Some responses to the crisis remain incomplete, while others have been too severe, contributing to new problems.
In 2016, the Federal Housing Administration insured approximately 9,507 mortgages for ineligible borrowers.
New research on existing low-cost single-family homes shows a lack of mortgage financing available to purchase them.
The Home Mortgage Disclosure Act makes it possible to track important trends in mortgage lending.
6.3 million borrowers who could have obtained loans under reasonable lending standards were not served from 2009 to 2015.
Traditional credit scoring does not account for borrowers who pay their rent on time month after month.
Well-intentioned efforts to improve credit availability can run into roadblocks, and need transparency to succeed.