Debunking the Myth That Small-Dollar Mortgages are Riskier

Some believe small-dollar mortgages are riskier because potential buyers have worse credit profiles.

Concentration in Multifamily Lending Argues for Full Public Release of More HMDA Data

Why not use this information fully to promote transparency on multifamily CRA activity?

New Data Confirm the Urgency of Addressing the Expiration of the GSE Patch

The "GSE patch" disproportionately benefits minority and lower-income borrowers.

Living Longer with Parents Might Hurt Young Adults' Long-Term Financial Success

The number of young adults living with their parents has almost doubled since 2000.

A significantly improved appraisal process has reduced the riskiness of refinance mortgages

Historically, purchase mortgages have defaulted less often than refinance mortgages.

Most CRA-qualifying loans in low- and moderate-income areas go to middle- and upper-income borrowers

Banks get credit under the CRA for providing single-family mortgages to low- and moderate-income borrowers.

Three differences between black and white homeownership that add to the housing wealth gap

Black homebuyers buy less expensive first homes with more debt than white homebuyers.

While less plentiful, multifamily loans pack a bigger CRA punch than single-family loans

While multifamily lending is smaller than single-family lending, it has an outsize effect in meeting the needs of low- and moderate-income communities.

Four lessons on federal crisis response from ten years of foreclosure counseling

The National Foreclosure Mitigation Counseling program helped 2.14 million homeowners after the crisis of 2008.

A five-point strategy for reducing the black homeownership gap

In the past 15 years, black homeownership rates have declined to levels not seen since the 1960s.