Description: Data Sources1) CRA Small Farm Lending (2022–2024)Source: CRA Disclosure / Aggregate reporting tables (Small Farm Loans – Originations; Table A2-1).Geography: Census tract (as reported in the CRA tables).Years included: 2022, 2023, 2024.2) Demographic context variables (latest ACS estimates)Source: Esri Living Atlas (ACS-based layers/variables).Variables used:Total population (ACS) at census tract level (B01001_001E), 2024Median household income (ACS) at census tract level (B19049_001E), 2024Unit of Analysis and GeographyThe unit of analysis is the census tract, identified by GEOID (11-digit tract identifier).CRA lending records were linked to tract geography using GEOID.Three-year aggregation (2022–2024)CRA metrics were combined across the three years (2022–2024) by summing values for each GEOID.Aggregation was performed at the GEOID level to create a single cumulative record per census tract for the 3-year period.Loan size categoriesCRA small farm lending is provided in standard loan-size categories, including:≤ $100,000$100,000–$250,000$250,000–$500,000Loan counts and amounts are provided for each category.Borrower revenue subsetThe CRA tables also include:Loans to businesses with gross annual revenues ≤ $1 million (count and amount)Important: This “revenue ≤ $1M” measure is a subset of total originations and overlaps the loan-size categories. It should be interpreted as a focused indicator of lending to smaller-revenue businesses, not an additional bucket to add to totals.Additional Derived FieldsTo improve interpretability, this layer includes normalized indicators using population context from ACS.1) Loans per 1,000 residentsField: LoansPer1000ResidentsFormula: TotalLoans / TotalPopulation * 10002) Average loan sizeField: AvgLoanSizeFormula: TotalLoanAmount / TotalLoans(If TotalLoanAmount is stored in $000s, AvgLoanSize reflects the same unit unless converted to dollars.)3) Share of loans ≤ $100K (count)Field: SmallLoanShareFormula: NumLoans_LT100k / TotalLoansInterpretation Notes and LimitationsCRA small farm lending tables reflect reported originations and are subject to CRA reporting rules and coverage.Values represent aggregate activity totals and do not include borrower-level details.“Revenue ≤ $1M” is a subset measure and should not be added to total loan counts/amounts.Demographic context variables (population and median household income) are from ACS estimates and include sampling uncertainty, especially in small geographies.Recommended UseThis layer is best used to:Compare relative lending intensity across tracts (e.g., loans per 1,000 residents)Identify areas where smaller loan activity (≤ $100K) represents a larger or smaller share of lending
Copyright Text: Data processed and published by the Eastern Shore Regional GIS Cooperative (ESRGC).
B19049_001E (type: esriFieldTypeDouble, alias: Median Household Income in past 12 months (inflation-adjusted dollars to last year of 5-year range), SQL Type: sqlTypeOther, nullable: true, editable: true)