For a limited time, you can get a Jumbo Loan at an affordable 15- or 30-year conforming loan rate.
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The Community Reinvestment Act (CRA) encourages depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods, consistent with safe and sound operations.
The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account when federal regulators consider an institution's application for the expansion or reduction of facilities and other services.
In 2012, Central Pacific Bank was given the highest rating of "Outstanding" from the Federal Deposit Insurance Corporation (FDIC) for its efforts in meeting the needs of its community, including low- and moderate-income neighborhoods and minorities, from 2008-2011. The FDIC assessment comes from the Community Reinvestment Act (CRA) performance evaluation that measures how financial institutions support their communities in the areas of lending, investment and service. The complete CRA report can be viewed at any of the bank's branches statewide.
Central Pacific Bank is a leader in community development lending, originating over $268 million in community development loans over the last FDIC CRA examination period.
What is a community development loan?
Community development is defined as: