Frequently Asked Questions

What does findCRA do?

findCRA was founded in 2013 and is headquartered in Louisville, Kentucky.  We work with banks and nonprofits throughout the nation to educate, equip and empower them for success under the requirements of the federal Community Reinvestment Act.

findCRA is a groundbreaking, unique way for banks to find CRA relationships in their communities and document the ones they already have. CRANIA, our Community Reinvestment Act Nonprofit Identification Algorithm, aggregates data from over 20 trusted government and industry sources including the IRS, FFIEC, CDFI Fund, HUD, Census Bureau and more.  We review nearly 1,400 datapoints to analyze every IRS-registered nonprofit for their alignment with the CRA.  Through our process, we are able to identify the less than 5% of nonprofits that are aligned with CRA requirements. We provide powerful search and review tools for banks to find these CRA-aligned nonprofits and reach out to them through our website while consistently documenting them for their internal records and examiners.

Simultaneously, we give nonprofits the ability to claim their nonprofit listing on our website for free and equip them to tell their CRA Story.  We offer an independent CRA Certification to nonprofits that further increases the ways for bank to find them with an enhanced findCRA profile, community needs listing and customized CRA tools for the nonprofit to use in building strong bank partnerships.

You can learn more about our company by visiting the following pages:

What is CRA?

The Community Reinvestment Act or CRA is a federal regulation that was enacted in 1977.  It is designed to encourage insured financial institutions to help meet the credit needs in all segments of the communities where they operate. The regulation arose out of discriminatory redlining practices conducted by some lenders against low-income borrowers or low-income neighborhoods.

The CRA requires banks to demonstrate sustained performance in meeting the needs of their communities.  Dependent on the bank’s size, banks are evaluated in three primary areas.  All banks are reviewed on their lending activity including mortgage, small business and community development loans.  Banks over a certain asset size must also show how they are meeting their communities’ needs through qualified investments and community development services.

Every insured financial institution is examined periodically by their federal regulator to measure their performance with the requirements of the CRA.  After the completion of this examination, the regulator issues a CRA Rating and a CRA Public Evaluation.  This rating can range between Outstanding, Satisfactory, Needs to Improve or Substantial Noncompliance.  It serves as a measure of how well the institution is meeting its communities’ needs.

To learn more about the CRA, visit the findCRA Learning Center Knowledge Base.

To keep up-to-date with changes in the CRA industry, visit our CRA Newswire.

What is low- and moderate-income?

“What is low- or moderate-income or LMI?” is one of the most common questions we hear at findCRA. Most people may have a general understanding of what it means to be low-income, but under the federal Community Reinvestment Act, defining low- and moderate-income can seem overly technical and confusing. More importantly, knowing what makes up low- and moderate-income groups and communities is key to understanding the purpose of CRA and which programs and activities may qualify for CRA support.

We’ve make it simple to know exactly what it means to be low- or moderate-income, as outlined in the CRA.  Read our full blog post about how to define low- and moderate-income here.

Download our helpful infographic below:

How does a bank work with findCRA?

Banks can work with findCRA to find the CRA-aligned nonprofit relationships and community needs they want to support as part of their CRA strategy and goals or research and document the nonprofits they’re already supporting.

Community Qualifier, our online community search tool, allows banks to identify CRA-aligned nonprofits in their assessment areas through searching by state, county, city or zip code. Banks can further refine their results with our online filters. We are continuing to add new communities to Community Qualifier.  Banks can review a detailed profile for each nonprofit containing over 70 data points from more than 20 trusted government and industry sources including the IRS, FFIEC, Census Bureau, CDFI Fund, HUD, and more.  Search CRA-qualified nonprofits now.

Our CRA Certified nonprofits also list detailed community needs that are available for banks to search for free.  Banks can search for community needs within their assessment areas and learn more about specific CRA programs and services that need bank support.  Each Community Need Listing includes information about the need itself, a CRA analysis prepared by our team and information about the nonprofit listing the need – all for free.  Search the current listing of CRA-qualified community needs now.

findCRA also offers a variety of CRA solutions and community building opportunities with our trusted partners.  Learn more about our these partnerships opportunities for your bank here.

We also provide CRA consulting services that can be customized to meet short-term and long-term objectives for your organization.  See more about our consulting services here.

How does a nonprofit work with findCRA?

Nonprofits work with findCRA to educate, equip and empower their organization to build new relationships with banks in their community.

At findCRA, we have developed CRANIA, our Community Reinvestment Act Nonprofit Identification Algorithm, which allows us to qualify IRS-registered nonprofits in comparison to the requirements of the Community Reinvestment Act.  Once we have qualified a nonprofit, we create a Nonprofit Profile for each nonprofit that is available for banks to review.

The next step for a nonprofit is claiming this profile.  When a nonprofit claims it profile, it can add information about its mission and focus areas, who its serves and contact details.  Claim your nonprofit listing now.

Once a nonprofit claims its profile, the next step is becoming CRA Certified.  findCRA independently certifies nonprofits based on their alignment with the Community Reinvestment Act.  CRA alignment is important information to share with banks when discussing nonprofit needs, requesting funding or creating a relationship.

With thousands of nonprofits vying for a bank’s time and attention, CRA Certification provides your nonprofit with the tools and resources to confidently start the bank relationships your organization needs.  We’ll prepare you to talk about how your nonprofit aligns with the CRA and give you the personalized tools to do it.  We’ll ensure that you’re educated and equipped to tell your CRA Story and empower you to build lasting, productive partnerships.  Start the CRA Certification process now.

Where is findCRA available?

findCRA is available to banks and nonprofits in all 50 states and any U.S. territory.  Banks and nonprofits located throughout the nation can sign-up to use our services.

Community Qualifier, our online community search tool, is available to banks of any size.  We continue to add CRA-aligned nonprofits to our database and periodically updating existing nonprofit profiles as new data becomes available.  As of today, we have added nonprofits in 5,866 communities in 40 states and D.C.  That means that we currently have nearly 43,000 CRA-qualified nonprofits listed on our website.  We are on the path to qualify every community in the United States as illustrated below.

In addition to our Community Qualifier, banks can also search listed community needs throughout the nation.  Search the current listing of community needs.

Any IRS-registered nonprofit can apply for CRA Certification through our simple online process.  The nonprofit only needs to be located in the United States. Learn more about CRA Certification.

How does findCRA qualify nonprofits?

At findCRA, we have created CRANIA, the Community Reinvestment Act Nonprofit Identification Algorithm.  This proprietary tool aggregates data from multiple sources to qualify our nonprofits.  We know that banks and CRA professionals rely on trusted government and industry resources to measure CRA performance.  That’s why we’ve compiled key data from over 20 sources including the Internal Revenue Service (IRS), the U.S. Census Bureau, the Federal Financial Institutions Examination Council (FFIEC), the Community Development Financial Institutions Fund (CDFI Fund), the Department of Housing and Urban Development (HUD), and more.

Using these sources, we aggregate nearly 1,400 data points and incorporate key data points into our nonprofit qualification process. Each nonprofit must be registered with the IRS and be current with their tax filing requirements.  Using CRANIA, we narrow the list of nonprofits down to the ones that are closely aligned with CRA.

From there, our CRA experts further curate the results.  We also ensure that each nonprofit’s information is accurate to assist in a bank’s research.

Once a nonprofit has passed our review, we create a Nonprofit Profile for each CRA-aligned nonprofit on our website.  Each CRA-aligned nonprofit’s profile includes over 70 key data points from the same trusted sources as well as our own analysis, highlighting exactly how each is CRA-aligned.

Search for CRA-qualified nonprofits in your assessment area now.

What is CRA Certification?

CRA Certification is a great way for a nonprofit to build the knowledge and confidence to tell their CRA Story.

With thousands of nonprofits vying for a bank’s time and attention, findCRA provides the tools and resources to confidently start the bank relationships a nonprofit needs.  CRA Certification ensures that a nonprofit is educated and equipped to tell its CRA Story and empowered to form lasting, productive bank partnerships.

findCRA also offers an independent certification for nonprofit organizations who meet the requirements of the CRA.  CRA alignment is important information to share with banks when talking about a nonprofit’s programs, requesting funding or developing a relationship.

Our CRA Certification process starts with an online application that must be completed by the nonprofit.  We ask some a variety of questions about the organization including information about the nonprofit’s management, programs, services, financials, board, volunteers and more. Once a nonprofit has completed the application and submitted payment, our CRA experts review it to determine if the nonprofit meets the requirements for CRA Certification.

When a nonprofit becomes CRA Certified, it receives great benefits including additional information added to its Nonprofit Profile and the ability to list community needs on  In addition, it receives helpful, customized tools including a CRA Story document, a CRA Strategy document, a CRA Certified Nonprofit badge to use online or in marketing and a CRA Certified Nonprofit certificate.

Apply for CRA Certification now.

How do I get started?

To get started, all you have to do is sign up and provide your personal and organization information.

For Banks, simply follow the registration steps to complete your personal information, add information about your bank and select a user license, if you’d like.  You can learn more about ours services for banks here.

For Nonprofits, start by claiming your nonprofit.  Once you’ve claimed your nonprofit, the next step is to complete the CRA Certification application to become a CRA Certified Nonprofit.  You can learn more about our services for nonprofits here.

How much does it cost to use?

We offer a variety of ways that banks and nonprofits can work with findCRA.  Costs vary depending on the options you choose.

For Banks, we offer three plans, dependent on the size of the bank. To learn more about our services for banks, visit the findCRA for Banks page.

  • Our Small Bank plan is designed for banks operating in a single county in a single state and starts at $1,250 a year for 1 user license.
  • Our Community Bank plan is designed for banks with up to $3 billion in assets and starts at $2,500 a year which includes 2 user licenses.
  • Our Large Bank plan is designed for banks with over $3 billion in assets and starts at $5,000 a year which includes 4 user licenses.
  • In each plan, additional user licenses are available starting at $1,000 each per year.

Nonprofits can claim their findCRA Nonprofit Profile for free and can apply for CRA Certification for $300.  Each year after that, it costs $150 to maintain an active CRA Certification.  To learn more about our services for nonprofits, visit the findCRA for Nonprofits page.


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