…..at a new bank. Here, they consistently use the farmer's home address for geocoding purposes, even if the farmer doesn't live "on the farm." For example, the farmer lives in a nearby town or city, the location (and coding) of which, is completely different than the land upon which he/she farms.

Is this OK?

It would be the location of the farm.

228.12(o) Loan location. A loan is located as follows:

(1) A consumer loan is located in the geography where the borrower resides;

(2) A home mortgage loan is located in the geography where the property to which the loan relates is located; and

(3) A small business or small farm loan is located in the geography where the main business facility or farm is located or where the loan proceeds otherwise will be applied, as indicated by the borrower.

Thanks, Randy. I haven't looked at CRA data since 2011.

Ah, but you'll be digging in again in 2021!