In today’s Daily Download episode, HousingWire covers a 10-year study by QuestSoft that reveals since 2019, the percentage of “Outstanding” ratings on Community Reinvestment Act performance evaluations has dropped across the board.For some background on the story, here’s a summary of the article:A 10-year study by QuestSoft revealed that since 2019, the percentage of “Outstanding” ratings on Community Reinvestment Act performance evaluations dropped across the board for large, intermediate and small institutions.However, the decline was greatest for large institutions, which saw a 10.4% drop, compared to a 2.32% drop for intermediate institutions and a 4.44% drop for small institutions.The 2010 to 2020 study reviewed 14,765 CRA performance evaluations on large, intermediate and small institution exams from the Federal Reserve Bank, Federal Deposit Insurance Corporation, Office of the Thrift Supervision and Office of the Comptroller of the Currency with recently appointed acting head, Brian Brooks.Even with their 10% drop, the report revealed large institutions were more than three times as likely to receive an “Outstanding” rating on CRA performance evaluations when compared to small institutions.Large institutions were also more than twice as likely to receive an “Outstanding” rating compared to intermediate institutions, though nearly 79% of large institutions received a “Satisfactory” rating.Following the main story, HousingWire covers a report from Ellie Mae that claims the average FICO score rose across the board in June and data from the U.S Census Bureau that indicates new home construction continued to recover from April’s five-year low in June.The Daily Download examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd.HousingWire articles covered in this episode:It’s getting harder to get an “Outstanding” rating on CRA performance evaluationAverage FICO scores rise across the board, according to Ellie MaeNew home construction jumps 17.3% in June