As I understand it, especially from FDIC Atlanta, organic lending is preferred to ensure that the assessment area is taken care of. Purchase loans count, but are second tier. (They help, cannot hurt.)
Pricing, on one side of the coin, your bank did not make the loan, and should not be criticized in any way. That being said, IMHO. a regulator "could" interpret this as facilitating high priced lenders.
One thing yo might do, is determine the types of products that are being offered. Is the rate higher due to more predatory products, or the additional credit risks? Are the lenders prominent because of their ties to the community, proximity to the area or other reasons?
Lastly, you might also give your CRA Liaison a call, and ask their opinion.
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Integrity. With it, nothing else matters. Without it, nothing else matters.