NCRC Statement on Trump Administration Raising FHA Mortgage Premiums

Washington, DC – Today, in reaction to the Trump Administration’s action to raise Federal Housing Administration (FHA) mortgage premiums, NCRC President and CEO John Taylor made the following statement:

“This move makes mortgages more expensive for working class people. It will further dampen the housing market, where already there are many responsible creditworthy borrowers who are needlessly locked out from homeownership opportunity. Raising Federal Housing Administration (FHA) premiums throws up more barriers to economic mobility, and blocks working families from attaining the American dream.”



About NCRC:
NCRC and its grassroots member organizations create opportunities for people to build wealth. We work with community leaders, policymakers and financial institutions to champion fairness in banking, housing and business development.

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Redlining and Neighborhood Health

Before the pandemic devastated minority communities, banks and government officials starved them of capital.

Lower-income and minority neighborhoods that were intentionally cut off from lending and investment decades ago today suffer not only from reduced wealth and greater poverty, but from lower life expectancy and higher prevalence of chronic diseases that are risk factors for poor outcomes from COVID-19, a new study shows.

The new study, from the National Community Reinvestment Coalition (NCRC) with researchers from the University of Wisconsin–Milwaukee Joseph J. Zilber School of Public Health and the University of Richmond’s Digital Scholarship Lab, compared 1930’s maps of government-sanctioned lending discrimination zones with current census and public health data.

Table of Content

  • Executive Summary
  • Introduction
  • Redlining, the HOLC Maps and Segregation
  • Segregation, Public Health and COVID-19
  • Methods
  • Results
  • Discussion
  • Conclusion and Policy Recommendations
  • Citations
  • Appendix

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