Native Americans Struggle To Obtain Credit: A Close Analysis of Native American Mortgage Lending From 2018-2021
This data analysis of home lending patterns among Native American borrowers details just one element of the broader legacy of a genocide.
Research
Posts about NCRC research.
Racial Wealth Snapshot: Immigration And The Racial Wealth Divide
There has been a steady increase in foreign-born immigrants throughout the decades. In 1980, foreign-born immigrants accounted for only 5% of the US population. According to the 2020 Current Population Survey (CPS), immigrant parents and their US-born children make up 85.7 million of the US population, or around 26% of the US population.
Racial Wealth Snapshot: Immigration And The Racial Wealth Divide Read More »
Columbia at 55: Creeping Segregation and Lack of Affordable Housing Threatens A Legacy of Black/White Integration
Columbia represented case study in a new era of desegregation for American housing in the 1960s. These efforts at desegregation focused on easing the division of Black and White residential neighborhoods. While there has been exponential growth of the Asian and Hispanic communities of Columbia during the past three decades, this report focuses on the economic status of the Black community since development.
ABANDON SHIP: How Banks Closed Their Doors As US Economy Reopened
In 2022, banks continued closing branches at a breakneck pace – further impairing recovery in neglected communities.
ABANDON SHIP: How Banks Closed Their Doors As US Economy Reopened Read More »
REDLINED: KeyBank Continues to Fail Black America Despite Its Commitments to Improve
KeyBank disregarded commitments to improve lending to Black homeowners and potential homeowners. Federal data shows KeyBank now ranks at the bottom among the 50 largest mortgage lenders in the nation in the percentage of its borrowers who are Black, live in majority-minority or LMI neighborhoods and are people of color.
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Investing in Culturally-Significant Businesses and Community Growth
Arts and culture are an important component of overall quality of life for every person on earth. Access to cultural resources and connections – or the lack thereof – shapes many aspects of our nation’s society. It also influences economic outcomes, as economists who study the role of “human capital” in wealth-building and opportunity creation have identified.
Investing in Culturally-Significant Businesses and Community Growth Read More »
Faulty Foundations: Mystery-Shopper Testing In Home Appraisals Exposes Racial Bias Undermining Black Wealth
We asked black-white interracial couples to test home appraisers for bias. Here’s what they experienced.
2021 HMDA: The Year That Our Homes Became ATMs Again
Lending for home purchases and refinancing was already slowing down in 2021, when cash-out loans to home owners spiked.
2021 HMDA: The Year That Our Homes Became ATMs Again Read More »
The Critical Need to Address Missing Data in HMDA
A growing problem with HMDA homeownership data is blinding our ability to analyze housing equity.
The Critical Need to Address Missing Data in HMDA Read More »
Initial Analysis Of 2021 HMDA Data: The Year That Homes Became ATMs Again
Read NCRC’s preliminary analysis of the newly published HMDA data on mortgage lending in 2021.
Initial Analysis Of 2021 HMDA Data: The Year That Homes Became ATMs Again Read More »
The Community Reinvestment Act and Its Connections to Health Outcomes
America’s most powerful tool for fixing economic inequality is also key to fixing inequities in public health — because wealth and health are closely linked.
The Community Reinvestment Act and Its Connections to Health Outcomes Read More »
Racial Wealth Snapshot: Women, Men, and Racial Wealth Divide
This is one in a series of racial wealth snapshots. See more here. Download Infographic View Infographic Introduction Women have made great strides in the workplace, comprising nearly half of the workforce and surpassing men in higher education achievement. Yet women still earn less income, have less wealth and face greater economic instability than their
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Tracing the Legacy of Redlining: A New Method for Tracking the Origins of Housing Segregation
Eighty years after the Home Owners Loan Corporation (HOLC) formally drew its redlining maps, those neighborhoods are still high minority population areas with the highest rates of vacancy in their metropolitan areas.
The Great Consolidation of Banks and Acceleration of Branch Closures Across America
In the ten years from March 2010 through March 2020, there was a net loss of 11,820 branches in the US, an average of 98.5 per month. Since the pandemic reached our shores in March 2020, 4,025 branches have closed — an average of 201 branch closures per month. This was beyond our prediction and calls into question the future of bank branches as the principal conduit for access to financial services.
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Racial Wealth Snapshot: Native Americans
The United States has too often hindered Native American advancement, not advanced it. Through years of intentional governmental policies that removed lands and resources, American Indians have been separated from the wealth and assets that were rightfully theirs.
Racial Wealth Snapshot: Native Americans Read More »