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.

Small business and community development lending are key to CRA compliance for most banks

The 1977 Community Reinvestment Act seeks to encourage banks to meet their communities’ credit needs.

Four financial challenges facing Hispanic Americans

Young Hispanic Americans are adding to their student loan debt but not to their savings.

If you’re struggling with mortgage payments because of the shutdown, here’s what to do

The housing finance industry is activating plans developed to respond to the 2008 housing crisis and natural disasters.

Enhancing the FHA’s loss mitigation toolkit can improve borrower outcomes

Some rules create a cumbersome loss mitigation process for borrowers and increase costs for servicers.