Research

Posts about NCRC research.

Lending

Hispanic Mortgage Lending 2019 Analysis

The report revealed dramatic differences in the costs and lending patterns for different subgroups of Hispanic borrowers, such as Cuban, Mexican and Puerto Rican borrowers. It also found that most Latino borrowers get their mortgages from non-bank mortgage companies and not from banks

Racial and Ethnic Representation and Investment Framework

RERI

Racial and Ethnic Representationand Investment Framework  A Research Report and Recommendationsfor Beneficial State Foundation  — OVERVIEW Key steps to improve a bank’s racial and ethnic demographics within their internal workforce, and methods to improve a commitment to diversity, equity and inclusion. — Key Takeaways Although African Americans comprise over 13% of the national population, and …

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immigration feature

Racial Wealth Snapshot: Immigration and the Racial Wealth Divide

Download Infographic Introduction  The United States has more immigrants than any country in the world. In 2018, approximately 44.7 million immigrants lived in the United States, accounting for 13.7% of the country’s population. Although immigration has always played a key role in the history and the making of the United States, from the colonial era …

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Mortgage Lending in the Asian American and Pacific Islander Community

Key Findings Over 652,000 loan applications were reported in 2018 where the applicant identified as AAPI. Home purchase loans varied greatly within the AAPI community, with Asian Indians purchasing homes in 70% of cases, compared with Japanese borrowers that purchased a home just 45% of the time. There are substantial variations in the share of …

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NCRC Proposal for Underserved Tracts Would Increase Lending in Communities of Color by Billions of Dollars

Executive Summary NCRC proposes to add underserved census tracts as a criterion on component tests on CRA exams. NCRC identifies underserved tracts as those that receive low levels of lending per housing units and small businesses. A significant portion of these tracts are predominantly minority. NCRC estimated that adding these tracts on CRA exams would …

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Small Business

Lending Discrimination within the Paycheck Protection Program

Lending Discrimination within the Paycheck Protection Program Anneliese Lederer, Director of Fair Lending Sara Oros, Program Coordinator, Fair Housing/Fair Lending In collaboration with: Dr. Sterling Bone, Professor of Marketing, Utah State University Dr. Glenn Christensen, Associate Professor of Marketing, Brigham Young University Dr. Jerome Williams, Distinguished Professor and Prudential Chair in Business, Rutgers University Before …

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Same-Sex Couples and Mortgage Lending

Introduction The National Community Reinvestment Coalition has analyzed new data available to researchers for the first time to determine borrower patterns among same-sex couples, in comparison to different-sex couples. Our research question was, will same-sex couples pay higher closing costs and more interest on mortgage loans than different-sex couples? From our analysis of 2018 Home …

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Cover Image

Gentrification and Disinvestment 2020

Gentrification and Disinvestment 2020 COVID-19 struck a nation that was already mostly struggling. Do Opportunity Zones benefit or gentrify low-income neighborhoods? Jason Richardson, Director, Research & Evaluation, NCRC Bruce Mitchell, Ph.D., Senior Research Analyst, NCRC Jad Edlebi, GIS Specialist, NCRC June 2020 EXECUTIVE SUMMARY COVID-19 exposed deep economic and social fault lines nationwide, with profound implications …

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