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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    • Rising interest rates have curbed both supply and demand in the housing market, disproportionately affecting the ability of borrowers with lower incomes to buy a home.
    Policy Centers Housing Finance Policy Center
    Tags Housing finance data and tools Housing Finance at a Glance: A Monthly Chartbook Housing finance reform Impact of crises on housing Racial homeownership gap Community Reinvestment Act
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