If we have some loans at lower rates than usual for volunteer fire departments, would you consider this for CRA credit? The fire departments are NOT located in low-moderate income areas. Instead, the majority are located in an upper-middle income area. The purpose of the loans was for either purchasing a new ambulance or building a new department. I realized that they donít meet the exact definition of the regulation because they are located in higher income areas; however, ultimately, they are for community developments. Any thoughts? Has anyone had any similar situation with other types of institutions: hospital, nursing home, etc.