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Research

Posts about NCRC research.

60% Black Homeownership: A Radical Goal for Black Wealth Development

By / / Research / 17 minutes of reading

DOWNLOAD Overview: A radical increase in Black homeownership is needed to see progress in bridging Black and White homeownership and wealth inequality. One of the defining factors of economic well-being for individuals and families is household net worth or wealth, but not all families are equal. Decades of racial injustice and economic inequality have led […]

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COVID-19 Small Business Resource

By / / Research / 16 minutes of reading

COVID-19 Small Business Resource The coronavirus has quickly spread into a global pandemic. Governments have taken drastic measures to encourage social distancing. Along with anxieties about contracting and spreading disease, millions of people who were already struggling or living paycheck-to-paycheck face new uncertainties about their financial security. Many organizations and governments have responded with resources

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Racial and Ethnic Representation and Investment Framework

By / / Research / 2 minutes of reading

Racial and Ethnic Representation and Investment Framework A Research Report and Recommendations for 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

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Mortgage Lending in the Asian American and Pacific Islander Community

By / / Research / 13 minutes of reading

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

By / / Research / 9 minutes of reading

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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Lending Discrimination within the Paycheck Protection Program

By / / Research / 23 minutes of reading

Lending Discrimination within the Paycheck Protection Program Anneliese Lederer, Director of Fair LendingSara Oros, Program Coordinator, Fair Housing/Fair Lending In collaboration with:Dr. Sterling Bone, Professor of Marketing, Utah State UniversityDr. Glenn Christensen, Associate Professor of Marketing, Brigham Young UniversityDr. Jerome Williams, Distinguished Professor and Prudential Chair in Business, Rutgers University Before COVID-19, tests revealed better

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