Precision. Compliance. Confidence.
We are a FINRA-registered broker-dealer and CRA-specialist trading desk with decades of experience in the fixed income markets. Our sole focus is helping banks navigate the complexities of Community Reinvestment Act (CRA) investment requirements—particularly in the mortgage-backed securities space.
Our team combines deep experience in institutional bond trading with a specialized background in CRA compliance, giving us a unique ability to identify, analyze, and deliver investments that meet both credit and regulatory objectives. We blend this dual expertise with proprietary CRA data tools to deliver property-level insight into CRA-eligible investments backed by Ginnie Mae, Fannie Mae, and Freddie Mac.
We don’t just sell securities—we simplify compliance and empower investment committees with transparency, defensible research, and exam-ready documentation.
While most CRA trading desks provide broad lists of "qualifying" CUSIPs based on ZIP codes or general issuer types, we go several levels deeper. Our platform integrates public, proprietary, and geospatial data to identify actual CRA-relevant attributes—at the property level.
We then package that research into a clear, well-documented format that your CRA committee and internal compliance teams can rely on—designed to meet regulatory expectations for documentation, performance context, and geographic targeting as outlined by OCC and FDIC CRA examination procedures.
Our research and trading desk covers:
We work exclusively in government-backed securities, giving you the assurance of agency credit quality combined with verifiable CRA impact.
| Feature | Description |
|---|---|
| CRA-Enhanced Bond Screening | We don’t guess at CRA eligibility—we analyze every property, tenant base, rent structure, subsidy status, and geographic overlay. |
| Due Diligence Reports | Trade packages include loan-level data, maps, and links to federal and state databases (HUD, LIHTC, Section 8/202, FFIEC, etc.). |
| Assessment Area Alignment | Our geo-mapping tools allow us to match bond collateral with your bank’s specific CRA assessment areas. |
| Audit-Ready Documentation | Each transaction includes compliance backup materials designed to meet OCC, FDIC, and Fed examiner expectations. |
Our leadership team brings decades of experience in trading, structuring, and CRA-focused investing to every transaction. We’ve worked with community banks of all sizes to craft investment strategies that are not only compliant, but aligned with broader lending and risk objectives.
We understand what examiners are looking for, and we know how to turn complexity into clarity for your investment team.
Our CRA trading desk is ready to help you identify and execute the right opportunities for your institution. Whether you're planning ahead for an upcoming exam or looking to deploy CRA-eligible capital, we’ll work with you to find securities that align with your regulatory goals and risk parameters.
To get started, your dedicated CRA account representative will work with you to gather the following:
Once we understand your objectives, we’ll curate a selection of qualifying securities, deliver full CRA-backed research packages, and handle execution and post-trade support.
Contact us today to discuss how we can help your institution achieve and maintain strong CRA performance while making a positive impact in your communities.
Ready to discuss your CRA needs? Contact us using the form below.