Housing finance
Most Americans build wealth through homeownership, an opportunity fueled by a complicated residential mortgage finance system. Urban analyzes how this $39 trillion system affects families, communities, and the economy, and offers solutions for more equitable housing finance practices. Diverse stakeholders—from investors and mortgage lenders to consumer advocates and policymakers—turn to our data, tools, and analyses to inform how they foster a sound, efficient, and resilient housing finance system that benefits all families.  
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    • The Consumer Financial Protection Bureau can lower borrowers’ costs by streamlining refinancing options and increasing total mortgage cost transparency.
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