Posts about NCRC research.
NCRC has conducted several in-depth studies for public sector clients.  For the City of Philadelphia, PA, NCRC assessed the extent to which banks receiving City deposits were making home and small business loans in minority and working-class communities. NCRC’s two studies for Philadelphia documented progress (an increase in home lending by the banks), identified stakeholders …
With new information in HMDA data concerning high-cost loans, NCRC has created a series of studies documenting that minorities, women and the elderly receive a disproportionate amount of high-cost or subprime loans. When a group of borrowers receives a disproportionate amount of such loans, excessive fees, interest rates and other unfair practices become more likely, …
 Asset Preservation: Trends and Interventions in Asset Stripping Services and ProductsÂ
NCRC’s research analyses provide powerful tools for organizations seeking to understand and address patterns of lending in their communities. Analyses can determine how well a particular bank is serving the community with home mortgage or small business loans, and determine the number of high-cost/subprime loans received by minorities or low- and moderate-income borrowers as compared …
Pursue Research on Industry Trends, Challenges and Best Practices Read More »
Income is no Shield Against Racial Differences in Lending: A Comparison of High-Cost Lending in America’s Metropolitan Areas
Fair Lending Helps Community Prosperity: An Analysis of Fair Lending Disparities In the Baton Rouge Metro Area.
 Closing the Credit Gap and Expanding the Credit Opportunity: The CRA and Fair Lending Performance of Financial Institutions in the City of Cincinatti
Access to Capital and Credit For Small Businesses in Appalachia
 Are Banks on the Map? An Analysis of Bank Branch Location in Working Class and Minority Neighborhoods.
 The CRA and Fair Lending Performance of PhiliadelphiaÂ
