Research

Posts about NCRC research.

Racial Wealth Snapshot: American Indians/ Native Americans

By / / Research / 4 minutes of reading

Native Americans and the Racial Wealth Divide 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 was rightfully theirs. Thus Native Americans, which refers to people from any of the […]

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Latinos, the Racial Wealth Divide and Rebuilding the American Middle Class

By / / Research / 3 minutes of reading

As National Hispanic Heritage Month comes to a close, the National Community Reinvestment Coalition (NCRC) developed a Latino Racial Wealth Snapshot to reflect on the diversity, culture and socioeconomic challenges facing the nation’s largest ethnic group of color. With a total of 58.8 million (foreign-born: 36%; native-born: 62%), the Latino community ranks at 18.1% of the U.S.

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Racial Wealth Snapshot: Latino Americans

By / / Research / 5 minutes of reading

Defining Hispanic and Latino  In census data, Hispanic is the term most often used to describe the ethnicity of the people in the United States from Spanish speaking countries. However, it is most often thought of as a person from or has ancestry in Latin America, excluding people from Spain. The term Latino, shorthand for

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Starved!: Significant Mortgage Lending Disparities Still Persist

By / / Research / 10 minutes of reading

Executive summary The National Community Reinvestment Coalition (NCRC) analyzed recent mortgage and small business lending activity in areas that were categorized and “redlined” by the Home Owner’s Loan Corporation (HOLC) during the 1930s. HOLC examiners were sent to over 200 cities 80 years ago to determine the risk associated with neighborhoods. This information was used

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The $90 Billion Bill We Pay Each Year for Non-Bank Mortgage Lenders

By / / Research / 4 minutes of reading

A $90 billion premium comes out of the equity that we all pay. Higher fees make it harder for renters to become homeowners. They erode the price a seller can expect to receive for their home. This is a bill that falls disproportionately on LMI and minority families, one the reinforces the growing racial and income wealth gaps.

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Tests show inferior treatment of minority business owners at banks, and data shows a steep decline in government-backed lending to black entrepreneurs

By / / Press Releases, Research / 6 minutes of reading

Better-qualified black and Hispanic testers who shopped for small business loans at Los Angeles area bank branches were treated worse than less qualified white testers, a new study found. The study, from the National Community Reinvestment Coalition (NCRC), also found steep declines in government-backed lending to black business owners between 2008 and 2016.

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Disinvestment, Discouragement and Inequity in Small Business Lending

By / / Research / 41 minutes of reading

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 Report Executive Summary Small businesses are vital to the

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2018 HMDA overview: Banks fell further behind, non-banks dominated home lending

By / / Research / 7 minutes of reading

While overall banks fell short of non-banks in lending to minority applicants or in LMI neighborhoods, the banks in the top 25 performed about as well as the top non-bank lenders. But even among the top banks, lending to LMI borrowers fell far behind the top non-banks.

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An evaluation of assessment areas and community development financing: Implications for CRA reform

By / / Views, Research / 41 minutes of reading

(Download) INTRODUCTION The Community Reinvestment Act (CRA) has leveraged trillions of dollars of loans, investments and services for low- and moderate-income (LMI) borrowers and communities. Since 1996, banks have made more than $1 trillion in community development loans, which finance affordable housing, economic development projects and community facilities for LMI communities. Likewise, banks have issued

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Bank branches are still essential for small business communities

By / / Research, Views / 3 minutes of reading

Bank branches matter. Countering the overwhelming messaging from many banks and even some regulators, the National Community Reinvestment Coalition (NCRC) has published several reports over the years that detail how much branches still matter for consumers and communities, even in 2019. Just look at the number of branches that banks opened in the last year, and it is clear that they also know the value of a physical outpost in the community they want to serve.

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Student loan debt impacts homeownership

By / / Research, Views / 4 minutes of reading

In 2019, the total student loan debt in America is about $1.5 trillion. According to the New York Consumer Credit Panel, adults under 40 hold 65% of the total student loan debt. Although there has been much said about this figure, the income enhancement offered by a college degree still far outweighs the cost of the debt.

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An examination of high-cost lending by banks, non-banks, credit unions

By / / Research / 4 minutes of reading

A previous NCRC analysis found that, overall, a higher percentage of banks made a higher percentage of home loans to low- and moderate-income (LMI) borrowers and communities than non-banks and credit unions. However, access to home loans is only half the battle. We also need to have information on the affordability of loans to get

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