CRA standards aren't lax. CRA loans are prime. You are either deliberately lying or deliberately misinformed.

CRA loans are by the definition of credit better quality than every other type of loan. This isn't politics, this is an objective fact. Again, for every year since the inception of the CRA, default rates for all pools of CRA loans are LOWER than every private market origination pool of the same year.

To assert that CRA loans are "bad" means that you are also stating that every other loan is worse.