{"id":36584,"date":"2024-09-18T19:53:47","date_gmt":"2024-09-18T19:53:47","guid":{"rendered":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/?page_id=36584"},"modified":"2024-09-19T20:13:25","modified_gmt":"2024-09-19T20:13:25","slug":"cra-public-file","status":"publish","type":"page","link":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/cra-public-file\/","title":{"rendered":"CRA Public File"},"content":{"rendered":"\n<section class=\"hero hero-position-1\">\n    <div class=\"container\">\n        <div class=\"hero-slider\">\n            <div class=\"hero-container blue\"><div class=\"content\">                                                        <img decoding=\"async\" src=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/themes\/alerus\/img\/swoosh.svg\" alt=\"alerus image accent\" class=\"hero-swoosh\">\n                            \n                        <h1>CRA Public File<\/h1>\n                                                <p>The Community Reinvestment Act (CRA) rules and regulations require Alerus to maintain a publicly accessible file, containing information listed below. This content is current as of April 1, 2024.<\/p>\n                         \n                    <\/div><\/div>        <\/div>\n            <\/div>\n<\/section>\n\n<section class=\"general one-column default\">\n    <div class=\"container\">\n        <div class=\"column\"><div class=\"module\"><p><a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/uploads\/2024\/09\/Alerus-Financial-NA_CRA-Performance-Evaluation_11.20.23-002.pdf\" target=\"_blank\" rel=\"noopener\">CRA Performance Evaluation<\/a><\/p>\n<p><strong>Facility-Based Assessment Areas (FBAA) and Corresponding Maps<\/strong><\/p>\n<ul>\n<li>\u2022 North Dakota\n<ul>\n<li>Maps:\u00a0<a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/uploads\/2024\/09\/2024-CRA-Assesment-Area-Income-Map-Grand-Forks.pdf\" target=\"_blank\" rel=\"noopener\">Grand Forks<\/a>,\u00a0<a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/uploads\/2024\/09\/2024-CRA-Assesment-Area-Income-Map-Fargo.pdf\" target=\"_blank\" rel=\"noopener\">Fargo<\/a><\/li>\n<li>Census Tracts:\u00a0<a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/uploads\/2024\/09\/Grand-Forks-Assessment-Area-List-of-Census-Tracts.pdf\" target=\"_blank\" rel=\"noopener\">Grand Forks<\/a>,\u00a0<a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/uploads\/2024\/09\/Fargo-Assessment-Areas-List-of-Census-Tracts.pdf\" target=\"_blank\" rel=\"noopener\">Fargo<\/a><\/li>\n<\/ul>\n<\/li>\n<li>\u2022 Minnesota (Minneapolis Area)\n<ul>\n<li><a href=\"https:\/\/www.alerus.com\/wp-content\/uploads\/2024\/03\/2024-CRA-Assesment-Area-Income-Map-Minneapolis.pdf\" target=\"_blank\" rel=\"noopener\">Maps<\/a><\/li>\n<li><a href=\"https:\/\/www.alerus.com\/wp-content\/uploads\/2024\/03\/Minneapolis-Assessment-Area-List-of-Census-Tracts.pdf\" target=\"_blank\" rel=\"noopener\">Census Tracts<\/a><\/li>\n<\/ul>\n<\/li>\n<li>\u2022 Arizona (Phoenix Area)\n<ul>\n<li><a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/uploads\/2024\/09\/2024-CRA-Assesment-Area-Income-Map-Minneapolis.pdf\" target=\"_blank\" rel=\"noopener\">Maps<\/a><\/li>\n<li><a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/uploads\/2024\/09\/Minneapolis-Assessment-Area-List-of-Census-Tracts.pdf\" target=\"_blank\" rel=\"noopener\">Census Tracts<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>CRA Disclosures<\/strong><\/p>\n<ul>\n<li>\u2022\u00a0<a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/uploads\/2024\/09\/2022-Institution-Disclosure-Statement-Alerus-Financial-NA.pdf\" target=\"_blank\" rel=\"noopener\">2022<\/a><\/li>\n<li>\u2022\u00a0<a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/uploads\/2024\/09\/2021-Institution-Disclosure-Statement-Alerus-Financial-NA.pdf\" target=\"_blank\" rel=\"noopener\">2021<\/a><\/li>\n<\/ul>\n<p>Alerus CRA Disclosure Statements are available for review at the Federal Financial Institution Examination Council (FFIEC) website. To view the Disclosure Statement, follow the link below, select the year you wish to review, and enter either the Respondent ID or Institution Name.<\/p>\n<p><strong><a class=\"external-link\" href=\"https:\/\/www.ffiec.gov\/craadweb\/DisRptMain.aspx\" target=\"_blank\" rel=\"noopener\">Alerus Financial NA reported data<\/a><\/strong><br \/>\nInstitution: Alerus Financial NA<br \/>\nRespondent ID: 0000013790<\/p>\n<p><strong>Home Mortgage Disclosure Act Notice<\/strong>\u00a0<strong>(HMDA)<\/strong><\/p>\n<p>HMDA disclosures can be located on the CFPB website by entering Alerus Financial in the Institution Name search box.<\/p>\n<p>The HMDA data about our residential mortgage lending are available online for review. The data show the geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau\u2019s Web site (<a class=\"external-link\" href=\"http:\/\/www.consumerfinance.gov\/hmda\" target=\"_blank\" rel=\"noopener\">www.consumerfinance.gov\/hmda<\/a>). HMDA data for many other financial institutions are also available on this website.<\/p>\n<p><strong>Products and Services<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/\">Personal products and services<\/a><\/li>\n<li><a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/business\/\">Business products and services<\/a><\/li>\n<\/ul>\n<p>Questions regarding transaction fees or the cost of services should be directed to your nearest\u00a0<a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/locations\/\">Alerus location<\/a>.<\/p>\n<p><strong>Branch Information<\/strong><br \/>\n<a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/uploads\/2024\/09\/2024-CRA-Locations-and-ATMs.pdf\" target=\"_blank\" rel=\"noopener\">Listing of Alerus Locations and Phone Numbers<\/a><br \/>\n<a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/uploads\/2024\/09\/Branches-Open-Close_2024-04-01.pdf\" target=\"_blank\" rel=\"noopener\">Opened and Closed Branches<\/a>\u00a0 \u2013 During the current year and the prior two calendar years<\/p>\n<p><strong>Written Comments from the Public<\/strong><br \/>\n<a href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/uploads\/2024\/09\/Comments.pdf\" target=\"_blank\" rel=\"noopener\">Comments for the current and prior two years<\/a><\/p>\n<p><b>CRA Public File Requests<br \/>\n<\/b>Alerus can provide hard copies of the CRA Public File. Requests can be sent to\u00a0<a href=\"mailto:CRA@alerus.com\">CRA@alerus.com<\/a>.<\/p>\n<\/div><\/div>    <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":9,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-36584","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/pages\/36584","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/comments?post=36584"}],"version-history":[{"count":10,"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/pages\/36584\/revisions"}],"predecessor-version":[{"id":36720,"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/pages\/36584\/revisions\/36720"}],"wp:attachment":[{"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/media?parent=36584"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}