Do purchased and originated loans receive equal credit in a CRA Examination's Lending Test? Is there any official documentation supporting purchased loans' CRA Lending Test value? Thank you.

Both Small Business loans and HMDA reportable mortgages originated as well as purchased qualify under the Lending Test for CRA PE's. The originator of the loan and the purchaser both can get credit. This is why some banks will pay substantial premiums for small business loans or HMDA reportable mortgages originated by other lenders in LMI tracts. I've seen some NYC banks pay big premiums to Connecticut banks for mortgages in LMI tracts. There are many references to originated or purchased loans in the Q&A's and the examiners manuals. For example the OCC's Examiners Manual explains that the tables used in the Large Bank test include loans originated and loans purchased.