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Research

Posts about NCRC research.

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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Preliminary Analysis of 2019 HMDA Mortgage Lending Data

By / / Research / 10 minutes of reading

The Consumer Financial Protection Bureau (CFPB) released the 2019 Home Mortgage Disclosure Act (HMDA) data on June 24, 2020, detailing mortgage lending information from nearly all lenders in the United States. HMDA offers details on 9.3 million originations resulting from over 17.5 million applications.

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Same-Sex Couples and Mortgage Lending

By / / Research / 16 minutes of reading

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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Study: Before COVID-19, a small number of booming cities struggled with gentrification. The rest simply struggled.

By / / Press Releases, Research / 4 minutes of reading

San Francisco was the most intensely gentrified city in America from 2013 to 2017, a new study found. But the emergence of COVID-19 exposed deep economic and social fault lines nationwide. While a small number of cities were booming, most were not.

Study: Before COVID-19, a small number of booming cities struggled with gentrification. The rest simply struggled. Read More »

Gentrification and Disinvestment 2020

By / / Research / 23 minutes of reading

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, NCRCBruce Mitchell, Ph.D., Senior Research Analyst, NCRCJad Edlebi, GIS Specialist, NCRC June 2020 EXECUTIVE SUMMARY COVID-19 exposed deep economic and social fault lines nationwide, with profound implications for

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Do CRA Ratings Reflect Differences in Performance: An Examination Using Federal Reserve Data

By / / Research / 20 minutes of reading

Key Findings Better outcomes on the retail lending test usually corresponded to higher ratings but the differences in performance were not as wide as expected Performance measures used to assess community loans and investments tended to indicate greater differences in bank performance across ratings categories This paper suggests the need for refining performance measures and

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Summary Fact Sheet on the OCC’s Final CRA Rule

By / / Research / 8 minutes of reading

The Office of the Comptroller of the Currency’s (OCC) final Community Reinvestment Act (CRA) rule released on May 20 would lessen the public accountability of banks to their communities by enacting performance measures on CRA exams that would be complex and opaque while at the same time over-simplifying how to measure bank’s responsiveness to local needs.

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Racial Wealth Snapshot: Asian Americans and the Racial Wealth Divide

By / / Research / 8 minutes of reading

Download Infographic Introduction Asian Americans are the fastest growing racial group in the United States, and are predicted to be the nation’s largest immigrant group in 50 years.[1] Asian American is a racial category that includes Americans who are from or whose relatives are from a diverse group of countries: China, Korea, Japan, India, Pakistan,

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Mortgages and Older Adults after COVID-19

By / / Research / 10 minutes of reading

Key Findings 30% of mortgages in 2018 went to older adults. 67% of older adults who took out mortgages were refinancing their homes and 68% of those used the mortgage to access the equity in their homes. Older borrowers were Whiter than younger borrowers. As with younger borrowers, there are racial disparities in interest rates

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CFPB, FHFA Establish New Borrower Protection Program to Respond to COVID-19 Pandemic

By / / Research / 2 minutes of reading

This month, the Consumer Financial Protection Bureau (CFPB) and the Federal Housing Finance Agency (FHFA) announced the new Borrower Protection Program that streamlines consumer protection oversight of mortgage servicers through new data and information sharing between the program sponsors as they respond to the coronavirus pandemic.

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