fbpx

Research_Report

Business loan image

Relationships Matter: Small Business and Bank Branch Locations

Relationships Matter: Small Business and Bank Branch Locations — Key Takeaways The number of banks and bank branches has declined significantly since 2009. Local branches are still crucial to small business lending. Small business lending is increasingly dominated by the largest lending institutions. Smaller institutions are disappearing as they merge or are bought out by …

Relationships Matter: Small Business and Bank Branch Locations Read More »

60% image

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

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 …

60% Black Homeownership: A Radical Goal for Black Wealth Development Read More »

Lending

Hispanic Mortgage Lending 2019 Analysis

The report revealed dramatic differences in the costs and lending patterns for different subgroups of Hispanic borrowers, such as Cuban, Mexican and Puerto Rican borrowers. It also found that most Latino borrowers get their mortgages from non-bank mortgage companies and not from banks

Racial and Ethnic Representation and Investment Framework

RERI

Racial and Ethnic Representationand Investment Framework  A Research Report and Recommendationsfor 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 population, and …

RERI Read More »

Small Business

Lending Discrimination within the Paycheck Protection Program

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 …

Lending Discrimination within the Paycheck Protection Program Read More »

Cover Image

Gentrification and Disinvestment 2020

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 …

Gentrification and Disinvestment 2020 Read More »

Disinvestment

Disinvestment, Discouragement and Inequity in Small Business Lending

Disinvestment, Discouragement and Inequity In Small Business Lending Amber Lee, Fair Lending Manager, NCRCBruce Mitchell, PhD., Senior Research Analyst, NCRCAnneliese Lederer, Director of Fair Lending & Consumer Protection, NCRC In cooperation with:Jerome Williams, Rutgers University; Sterling Bone, Utah State University; Glenn Christensen, Brigham Young University (Download) [lwptoc] Executive Summary Small businesses are vital to the …

Disinvestment, Discouragement and Inequity in Small Business Lending Read More »