Each year, in order to help ensure that Low and Moderate income neighborhoods have access to financial services and loans, the U.S. Department of Housing and Urban Development (HUD) works with the Federal Financial Institutions Examination Council (FFIEC) to describe neighborhoods across the country by median family income. This data is used to determine the Income Level of each neighborhood relative to the MSA or non-MSA County in which it is located, represented by Census Tracts. These income levels are characterized as Low, Moderate, Middle and High income based on the income of a tract relative to the MSA or non-MSA county it is situated in, based on HUD annual estimates of income.
This shapefile created by RPM Consulting, LLC contains national coverage of census tracts using 2010 definitions and based upon full precision 2010 census tract boundaries, as defined by the United States Census Bureau. This detailed version of the file is appropriate for detailed customer relationship using point/polygon selections.
For general thematic mapping, we also offer a file generalized to 300 meter accuracy for a smaller size and faster screen drawing. Either shapefile can be used in any GIS to prepare paper and digital CRA maps and is particularly effective in conjunction with RPMs BranchInfo Banking Competitor Database, which allows branch locations to be analyzed relative to Low and Moderate income areas. Additional analysis of Service and Lending Test performance and performance context are all possible with CRA Boundaries and BranchInfo.