Performance Scorecard
See where you stand against peers and the market. Compare custom and standard data points across every test type.
Meet CRAi™
Your CRA Analyst.
Based on 80,000+ Community Reinvestment Act performance evaluations and a growing set of 25+ public data sources. You ask the questions. CRAi returns consumable, relevant, evidenced results.
Key views for CRA and community development teams.
Every view works under today’s CRA rules and can be configured for the new proposed rules.
See CRAi in action.
Pick a bank to see a preview of assessment areas, sample LMI lending metrics, and peer comparisons. The free index covers banks that reported 2024 HMDA mortgage data; the platform covers every FDIC-insured bank. This is a small subset of the data CRAi holds about each bank and market.
Enhance your insights by combining structured public data with your private data.
CRAi starts with an expansive set of public data sources, already combined and analyzed. Layer in your own data and workflows when you’re ready.
Public Baseline
Start with publicly available, comprehensive, analyzed data
- Every public evaluation on record in one searchable index
- Performance views across lending, service, investment, and community development
- Peer sets, opportunities, and rating context drawn from more than 35 years of exams
Private Data
Update with your data to add trends and insights
- Benchmarks run on your own data across lending, deposits, investments, and branches
- Goals set against peer and market evidence or on your own terms
- Progress measured against those goals on whatever schedule you choose
Your data is your data. It is used only for your analyses, it is never used to train models, and it sits in your own isolated instance under SOC 2 Type 2 controls. How do we protect your data?
Customization
Add custom attributes and workflows to answer deeper questions
- New attributes added to your data and new views built around them
- Strategic-plan measures tracked in the same views
- Every view keeps its evidence trail
Coming soonDescribe the question and CRAi assembles the workflow: it identifies the data it needs, asks you for what only you have, and sources the rest from the market.
How we protect your data
- Your data is your data
- Anything you provide is used solely to deliver your CRA analytics. FairPlay does not sell it, share it, or use it for anything else.
- No model training
- Your data is not used to train general-purpose or third-party models. Ours or anyone else's.
- Isolated storage
- Your data loads into your own isolated AWS instance. It is never pooled with other institutions' data.
- Certified controls
- FairPlay is SOC 2 Type 2 certified, with role-based access controls and data lineage, so who touched what, and when, is always on record.
Working through a vendor or security review? We support governance and architecture reviews. Talk to us.
We analyzed 80,000+ CRA exam records across more than 35 years. Here’s what we found.
We took the public CRA record back to 1990 and joined it to component scores and bank financials. Across the findings, one pattern recurs: CRA outcomes are shaped not only by what a bank does, but by its size, its market, and how deliberately it directs and documents qualifying activity.
The CRAi Insights Report · 2026
01 · The largest banks are ten times as likely to be rated Outstanding.
Share of exams rated Outstanding · asset bands in $B, plus SP/W-LP exam types · exams since 2017
Outstanding rate by asset bandstrategic-plan and wholesale exams
A small bank reaches Outstanding about 7% of the time. Over $100B: about 77%. Strategic-plan and wholesale banks run their own track: 48%.
The CRAi Insights Report · 2026
02 · Lower-income borrowers face the largest lending disparities in expensive urban markets, along the southern border, and in the farm valleys. The gaps are smallest across much of the Midwest.
Lending to lower-income borrowers vs. the share of lower-income families · every US county · 2024 mortgage originations
more than 10 points wider than the median3 to 10 points wider than the medianwithin 3 points of the median3 to 10 points narrower than the medianmore than 10 points narrower than the mediantoo few loans to measure (under 25)
Nationally, 39% of American families are lower-income, but only about 25% of 2024 mortgage originations went to a lower-income borrower—a 14-point gap. In the median county, lending to lower-income borrowers runs about 12 percentage points below their share of local families.
These insights are based on public data sets which may contain errors. If you notice an error or would like to send us feedback, please email CRAi@fairplay.ai.