The Trump Administration’s trade war continues to roil both the financial markets and key economic indicators, such as consumer sentiment. The anxiety around the market has even spread to the US Treasury market, where the damage could cause borrowing costs for households to rise, especially for home mortgages. A bond is essentially a loan, either […]
How Tariffs Drive Up Mortgage Costs and Undermine Homeownership Read More »
On March 31, 2025, the Consumer Financial Protection Bureau (CFPB) released the latest data on mortgage lending in the United States covering activity from 2024. This annual dataset is essential for advocates, regulators, policymakers at all levels and lenders who seek to understand lending trends and disparities. Despite political efforts to weaken the CFPB and
A First Look at the Intersection of Mortgage Lending and Race in 2024 Read More »
A thorough and robust analysis of key housing market trends for racial economic equity and homeownership.
NCRC Mortgage Market Analysis Read More »
A new dataset will give researchers an unprecedented look at how long-term disinvestment and redlining affects public health.
New Dataset Empowers Researchers To Precisely Track The Effects Of Redlining Over Time Read More »
Flaws in key data have made it difficult to quantify the legacy of redlining and racial segregation – Until now.
Decades of Disinvestment: Historic Redlining and Mortgage Lending Since 1981 Read More »
How one man rooted out housing discrimination with a typewriter and a calculator — and how you can use our new digital HMDA tools to follow in his footsteps.
The Lone Wolf of Fair Lending in San Diego County Read More »
Home lending to non-wealthy borrowers plummeted, while those who missed out on pandemic-era refinancing scrambled to find other ways to capitalize their homes.
The Home Mortgage Disclosure Act (HMDA) data that the Consumer Financial Protection Bureau (CFPB) is required by law to gather does not allow borrowers to identify themselves by sexual orientation. However, the co-applicant data can be used to identify loans made to couples of the same gender.
Gender And Same-Sex Status in Home Mortgage Lending Read More »
A review of mortgage data from 2020 reveals how the private lending market continues to inadequately serve most households of color. This is despite government-backed mortgages designed to assist low- and moderate-income (LMI) households. To solve this ongoing and enduring failure, the National Community Reinvestment Coalition (NCRC) recommended a set of actions by federal bank regulators,
The Failure of the Private Mortgage Market Read More »
Since the inception of the mid-20th century Civil Rights era and the implementation of racially blind laws such as the Community Reinvestment Act, we can point to little progress in bridging wealth and homeownership disparities.
NCRC 2020 Home Mortgage Report: Examining Shifts During COVID Read More »
The CFPB’s request for information this week is a promising first step, but the agency should complete the work to implement the Congressionally-mandated requirements for a HMDA that will shed light on lending activity in all communities and with the robust data points that the public needs to investigate financial institutions for fair lending concerns.
personal wealth faster. But it was a bust for communities of color. Their share of refinance loans declined.
HMDA data reveals refi boom during pandemic, but not for Black and Hispanic homeowners Read More »
HMDA is a crucial tool for the public and local leaders to monitor the mortgage market and ensure lenders are not redlining in their communities.
2020 HMDA Preliminary Analysis Read More »
Latino borrowers paid substantially higher closing costs and interest rates for home purchase loans compared to non-Hispanic White borrowers, according to a new report from the National Community Reinvestment Coalition (NCRC) and UnidosUS.
Home lending data reveals discrepancies in Latino mortgage lending Read More »
The research, from the National Community Reinvestment Coalition (NCRC), sheds new light on the experience of several groups within the AAPI community that have long accused lenders of predatory practices and discrimination.
Mortgage data reveals disparities in Asian American and Pacific Islander lending Read More »
