Press Releases Urban Institute Housing Finance Policy Center Names New Leadership
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Urban Institute has named Janneke Ratcliffe to lead its Housing Finance Policy Center (HFPC). Laurie Goodman, the Center’s founder, will become HFPC’s first Institute Fellow and will continue to lead data-driven analyses of housing and housing finance issues. Two housing finance luminaries, Ted Tozer and Sarah Gerecke, have also joined HFPC as non-resident fellows.

“The housing finance system is facing a defining moment in American history,” said Urban Institute President Sarah Rosen Wartell. “The decisions we’re grappling with now will shape the life trajectories of generations to come. HFPC has taken the lessons of the past and are infusing evidence-based solutions to ensure all Americans can prosper in our economy today and in the future. The Center’s new leadership is the right team for the task.”

Ratcliffe joined Urban in 2020 as associate vice president of HFPC, extending a storied career in housing finance and policy with roles at the Consumer Finance Protection Bureau, Center for American Progress, the University of North Carolina, Self-Help, and GE’s mortgage insurance and mortgage companies. As she takes the helm as vice president, Ratcliffe will lead the Center’s prolific research agenda, policy priorities, and projects.

“We founded HFPC to democratize data and knowledge of housing finance and to improve housing policy decision-making in the wake of the Great Recession,” said Goodman. “It is near and dear to my heart, so it is deeply gratifying to step into my new role and pass the baton of HFPC leadership to Janneke Ratcliffe, a proven leader whom I admire and trust.”

Tozer and Gerecke join David Brickman, Jim Parrott, Vanessa Perry, Ellen Seidman, Michael Stegman, and Jun Zhu as HFPC non-resident fellows, who work to accelerate housing finance scholarship, build and connect networks, and mentor new housing research and policy leaders.

Tozer, former President and CEO of Ginnie Mae, joins Urban from the Milken Institute Center for Financial Markets, where he led housing finance reform work. He brings more than 30 years of experience in the mortgage, banking, and securities industries. He managed Ginnie Mae’s 1.7 trillion dollars of mortgage-backed security guarantees and more than $460 billion in annual issuance. He has been a frequent co-author of HFPC publications.

Gerecke is an adjunct professor of urban planning at NYU’s Robert F. Wagner School of Public Service, and the former Deputy Assistant Secretary for the Office of Housing Counseling at the U.S. Department of Housing and Urban Development. She brings four decades of experience designing program and policy responses to complex affordable housing and community development challenges.  She is already leading HFPC work on infill development as a potential solution to more equitable and affordable homeownership and informing HFPC research on rental counseling.

About the Urban Institute

The nonprofit Urban Institute is a leading research organization dedicated to developing evidence-based insights that improve people’s lives and strengthen communities. For 50 years, Urban has been the trusted source for rigorous analysis of complex social and economic issues; strategic advice to policymakers, philanthropists, and practitioners; and new, promising ideas that expand opportunities for all. Our work inspires effective decisions that advance fairness and enhance the well-being of people and places.

Research Areas Housing finance
Policy Centers Housing Finance Policy Center