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Measuring Mortgage Credit Accessibility (Research Report)
Wei Li, Laurie Goodman, Ellen Seidman, Jim Parrott, Jun Zhu, Bing Bai

This paper provides a method of measuring credit accessibility that addresses several shortcomings of traditional methods. Credit accessibility is measured by calculating the demand-to-origination progression rate for low-credit-profile consumers. Using this improved measure, we explore several issues critical to credit accessibility including differences among demographic groups, changes over time and credit cycles, and the impact of government support for the single-family owner-occupied mortgage market.

Posted to Web: November 03, 2014Publication Date: November 03, 2014

Designing a Home Visiting Framework for Families in Public and Mixed-Income Communities (Research Report)
Marla McDaniel, Caroline Heller, Gina Adams, Susan J. Popkin

Though young children in public and mixed-income housing are exposed to some of the deepest poverty and developmental and educational risks in the United States, they are usually out of reach of many interventions that might help. Home visiting programs hold promise for helping vulnerable families, but most are not designed to fully address the needs of public and mixed-income housing residents. This brief describes important issues that program planners and early childhood leaders should consider when designing appropriate and responsive home visiting programs that reach young children in these communities.

Posted to Web: October 30, 2014Publication Date: October 30, 2014

Housing Finance At A Glance: A Monthly Chartbook : October 2014 (Fact Sheet / Data at a Glance)
Laurie Goodman, Ellen Seidman, Jim Parrott, Sheryl Pardo, Jun Zhu, Wei Li, Bing Bai, Taz George, Maia Woluchem, Alison Rincon

The October edition of At A Glance, HFPC’s reference guide for mortgage and housing market data, includes updated indicators related to credit availability, the state of the GSE portfolios, and the latest mortgage origination and housing market projections.

Posted to Web: October 22, 2014Publication Date: October 22, 2014

Comment Letter on the CFPB's HMDA Mortgage Data Proposal (Document)
Ellen Seidman, Laurie Goodman, Wei Li, Carlos Martin, Jim Parrott, Kathryn L.S. Pettit, Peter A. Tatian

The Consumer Financial Protection Bureau’s (CFPB’s) comprehensive proposal to improve mortgage data collection under the Home Mortgage Disclosure Act (HMDA), released in July, 2014, is a critical first step to enhance public understanding of the mortgage market. A group of Urban Institute researchers clarifies the strengths and weaknesses of the proposal, makes suggestions for improvements, and urges fast action by the agency in this comment letter submitted to the CFPB in October, 2014.

Posted to Web: October 20, 2014Publication Date: October 20, 2014

Assessing the Proposed Housing Goals (Commentary)
Jim Parrott, Laurie Goodman, Wei Li, Ellen Seidman, Jun Zhu

By establishing annual housing goals for mortgages purchased by Fannie Mae or Freddie Mac, the Federal Housing Finance Agency (FHFA) seeks to encourage lending to creditworthy borrowers with low incomes and those in traditionally underserved communities. Setting these goals requires FHFA to walk a fine line to meaningfully expand lending to all qualified applicants without encouraging lending to borrowers who cannot sustain mortgage payments. This commentary critiques the goals proposed by FHFA for 2015 - 2017, examining three central issues: How do the goals interact with other policy issues; Should the FHFA apply both benchmark (prospective) and market (retrospective) goals; and Did the FHFA set its benchmark goals appropriately?

Posted to Web: October 20, 2014Publication Date: October 20, 2014

The $300 Billion Question: How Should We Budget for Federal Lending Programs? (Research Report)
Donald Marron

Student loans, mortgage guarantees, and other lending programs create special challenges for federal budgeting. Under official budget rules, these programs are projected to bring in $200 billion over the next decade. Under an alternative, favored by many analysts, they appear to lose $100 billion. That $300 billion disparity confuses policy deliberations. In this report, Donald Marron proposes a new budgeting approach, known as expected returns, that would eliminate this confusion. The report critically reviews today’s budgeting approaches, identifies their flaws, and demonstrates how expected returns would improve budgeting for federal lending.

Posted to Web: September 29, 2014Publication Date: September 29, 2014

A Better Way to Budget for Federal Lending Programs (Policy Briefs)
Donald Marron

Policy analysts have long debated how best to budget for student loans, mortgage guarantees, and other federal lending programs. Under official budget rules, these programs appear highly profitable; under an alternative, favored by many analysts, they appear to lose money. That discrepancy confuses policy deliberations. In this brief, Donald Marron proposes a new budgeting approach, known as expected returns, that would eliminate this confusion. Unlike existing approaches, expected returns accurately reports the fiscal effects of lending over time and provides a natural way to distinguish the fiscal gains from bearing financial risk from the subsidies given to borrowers.

Posted to Web: September 29, 2014Publication Date: September 29, 2014

What Happens to Housing Assistance Leavers? (Research Report)
Robin E. Smith, Susan J. Popkin, Taz George, Jennifer Comey

To assess whether federal housing assistance can encourage asset building and self-sufficiency, we need to know why families leave housing assistance and how they fare on their own. As a group, housing assistance leavers appear to be doing better than those still in public housing or receiving rent subsidies; they have higher incomes, are more likely to be married, and live in lower-poverty, safer communities. Dividing the unassisted highlights how those leaving assistance for negative reasons are worse off and how those leaving for positive reasons are struggling. Such findings suggest the need for targeted approaches to support both groups.

Posted to Web: September 22, 2014Publication Date: September 22, 2014

Housing Finance At A Glance: A Monthly Chartbook: September 2014 (Fact Sheet / Data at a Glance)
Laurie Goodman, Ellen Seidman, Jim Parrott, Sheryl Pardo, Jun Zhu, Wei Li, Bing Bai, Taz George, Maia Woluchem, Alison Rincon

The September edition of At A Glance, HFPC’s reference guide for mortgage and housing market data, includes updated indicators related to non-agency securitization, regional affordability and access to credit, and the latest GSE risk-sharing deals.

Posted to Web: September 16, 2014Publication Date: September 16, 2014

Examples of Promising Practices for Integrating and Coordinating Eligibility, Enrollment and Retention: Human Services and Health Programs Under the Affordable Care Act (Research Report)
Stan Dorn, Sarah Minton, Erika Huber

States and non-profit organizations have used three approaches to successfully integrate enrollment and retention of health and human services programs: 1. Streamlining one program's eligibility determination based on data from other programs. This approach has helped uninsured children receive and retain health coverage, helped low-income seniors obtain SNAP, and produced state administrative savings. 2. Coordinated administration of multiple programs. Administrative savings resulted when multiple programs integrated their systems for case records, data matching, eligibility rules engines, on-line applications, and benefit payment. 3. Coordinating enrollment. Community colleges exemplify sites for enrolling consumers into multiple health and human services at once.

Posted to Web: September 15, 2014Publication Date: July 21, 2014

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