Assessing Community Credit Needs: A Community Reinvestment Act (CRA) Guidebook

摘要

This guidebook is intended to help city officials and community organizations gather and analyze information on credit for housing purchases and improvements. It is designed to complement other guidebooks in this series on local reinvestment strategies and neighborhood - based reinvestment strategies. Topics discussed are sources of credit for home purchase and improvement, sources of information on housing credit and factors which influence housing credit, business credit, and step - by - step techniques for using data to select the most useful information for the particular situation. The described techniques for analyzing housing credit activity involve obtaining information through anecdotes and surveys, using information about the lending institutions from CRA statements and savings and loan underwriting criteria, analyzing housing credit data, analyzing neighborhood factors and credit flows, evaluating the performance of lending institutions and assessing loan characteristics, analyzing potential demand for housing credit, and using deposit data. Twenty references are provided.