CRA LMI Census Tract Screener: FFIEC income level by address, lat/lon or tract

Paste US addresses, coordinates, or 11-digit tract GEOIDs. You get one row per input with the FFIEC CRA tract income level (Low / Moderate / Middle / Upper), an LMI flag, tract median family income as a % of the MSA/MD (or statewide non-MSA) MFI, the MSA/MD code and name, the minority % of the tract population and a majority-minority flag.

Who it's for: community banks, credit unions, CDFIs, mortgage and small-business lenders, fintech underwriting, and CRA/fair-lending consultants who need to tag loan files, branch sites or marketing lists by LMI tract. Also useful in AI-agent and Apify pipelines where signing up for another API key is a hassle.

Why use it

• No API key and no signup. Addresses go through the free US Census Bureau batch geocoder. Everything else is built into the Actor.
• Follows the FFIEC rule, including FFIEC's truncation to 2 decimals (49.996% counts as Low, not 50%).
• QA'd against FFIEC. All 85,396 US + DC + PR tracts were checked against an FFIEC 2025 reference. 99.998% of income levels agree. Both tracts that disagree are flagged boundary_ambiguous.
• Transparent confidence: exact (54,852 tracts), interval (30,515 tracts in MSAs redrawn by OMB in 2023; the area MFI is pinned to a few dollars), or boundary_ambiguous (29 tracts; check these on the FFIEC geocoder).
• Pay only for classified rows. No-match addresses, nonresidential tracts with unknown income, and invalid inputs come back as free rows that say why.

Input

Field	Example
addresses	350 5th Ave, New York, NY 10118
coordinates	34.0522,-118.2437
tractGeoids	06037576403
You can mix the three types. A run accepts up to 10,000 inputs.

Output (example)

{"input":"06037576403","status":"classified","tract_geoid":"06037576403","income_level":"Low","income_level_code":1,"is_lmi":true,
 "tract_mfi_pct":49.99,"tract_mfi":40156,"area_mfi":80317,"msa_md_code":"31084","msa_md_name":"Los Angeles-Long Beach-Glendale, CA",
 "minority_pct":90.93,"majority_minority":true,"tract_population":4830,"confidence":"exact"}

status is one of classified (charged), income_unknown, no_match, invalid_coordinates, invalid_geoid, tract_not_covered or geocoder_error (all free).

Data sources (all official, public domain)

• Tract median family income: ACS 2016–2020 5-year Summary File, table B19113 (US Census Bureau). FFIEC uses this same vintage for its 2022–2026 files.
• MSA/MD delineation: OMB Bulletin 23-01 (July 2023), from the Census list1_2023.xlsx.
• MSA/MD and statewide non-MSA denominators, minority %, population: CFPB/FFIEC HMDA 2025 public loan-level data, using its tract fields. These pin the denominators of areas that OMB redrew after 2020.
• Geocoding: US Census Bureau Geocoder (Public_AR_Current / Current_Current). The data basis is FFIEC 2025. FFIEC states that its 2026 tract list, including income levels, is identical to 2025.

Limits

• This version does not include CRA distressed/underserved flags or Opportunity Zones (the OZ map changes on Jan 1, 2027).
• Territories other than Puerto Rico are not covered, because ACS 5-year tract income isn't published for them.
• The data needs a refresh when FFIEC publishes its 2027 file with new ACS income.
• This Actor is not legal or compliance advice. Confirm exam-critical rows on the FFIEC Geocoding System.
• Rows with confidence: boundary_ambiguous sit on an income-level boundary; in QA 2 of these 29 tracts differed from FFIEC. Always verify them on the FFIEC Geocoding System.
• Tract minority % and the majority-minority flag are provided for CRA/HMDA geographic and fair-lending analysis only. Do not use them (or any tract demographics) as a factor in individual credit decisions.

Disclaimer, data vintage and privacy

• Not an official FFIEC, CFPB or Census Bureau product. This Actor is independent and is not affiliated with, endorsed by or certified by the FFIEC, its member agencies, the CFPB or the US Census Bureau. It independently reproduces the published FFIEC tract income-level rule from public data.
• Data vintage: FFIEC 2025 tract income levels (FFIEC states its 2026 list is identical), ACS 2016–2020 5-year tract income, OMB Bulletin 23-01 (July 2023) delineations, CFPB HMDA 2025 public data. Every output row carries a data_vintage field.
• This product uses the Census Bureau Data API (Census Geocoder) but is not endorsed or certified by the Census Bureau.
• Privacy: address and coordinate inputs are sent to the public US Census Bureau Geocoder to find the census tract; tract GEOID inputs are looked up entirely inside the Actor. Do not send borrower names or other personal data; only the address line is needed. Your inputs and results are stored only in your own Apify run storage.

Pricing

Pay per event: $0.002 per classified row, plus Apify's standard Actor start event. Rows that aren't classified are free.