We are a small bank and we have identified 25% of loans on our books are financing of multifamily apartment buildings which based on their rent roll fall under the HUD affordable rent for the county. Would you say this is a good amount of loans under that category?

In the absence of any performance context information I would say 25% of your loans in the multifamily affordable housing category would be impressive. Of course that could be one loan out of a total of four! But seriously, CRA evaluations depend heavily on performance context which pertains not only to your internal factors (such as size, strategy, business model, etc.) but to external factors (population income demographics, local housing demographics, local credit market data, etc.).

Is your bank located in an urban community with a lot of LMI tracts or a very large LMI population? Does the local housing market have a large incidence of renter-occupied housing? We have a bank client in California that focuses exclusively on multifamily mortgages. What is your bank's focus as it provides for the credit needs of your Assessment Area? These are only a few starter questions which need to be answered before forming a judgment about 25% of your loans being qualified as multifamily affordable housing - but it does sound like a good start!