donate_join_now

Office Space for Lease

The Center for Economic Justice has office space for rent in downtown Washington, DC.

Resources

Research and publications

The National Community Reinvestment Coalition (NCRC) provides tools and resources for organizations and policymakers seeking to understand how financial services impact communities nationwide.

Resources and topics addressed include: the Community Reinvestment Act, the Home Mortgage Disclosure Act, predatory and abusive lending, foreclosure, neighborhood stabilization and lending disparities.

Pro Bono Data Analysis
NCRC provides data services for its members. These analyses describe overall home and small business lending trends on the state, local and neighborhood level.

Public Sector Consulting
NCRC has conducted numerous in-depth studies for public sector clients, including Department of Housing and Urban Development, the Appalachia Regional Commission, the City of Philadelphia, and other cities.

Contact the research department today to find our more: 202-628-8866.

Tuesday, April 26, 2016 02:13 PM

CRA Performance Context Paper


CRA Performance Context Paper
(Download PDF

Friday, April 15, 2016 08:26 AM

2016 NCRC Policy Agenda


2016 NCRC Policy Agenda
(Download PDF

Letter on the Proposed Rule to Implement the Duty to Serve Requirements Imposed on the GSEs
(PDF Download


Performance Evaluation: Facilitating Public Input on CRA via Federal Agency Websites
(Download PDF

NCRC Testimony on the Economic Growth and Regulatory Paperwork Reduction Act
(PDF Download

Letter Calling on Financial Regulatory Agencies to Declare Flint, MI a Disaster Area
(PDF Download

Letter to Federal Housing Finance Agency on Affordable Housing Goals
(PDF Download

Letter on the Common Securitization Platform and Guarantee Fees
(PDF Download

Letter to Leaders of the U.S. House and Senate Opposing Policy Riders on the Year-End Spending Bill
(PDF Download


Home Mortgage and Small Business Lending in Baltimore and Surrounding Areas
(Download PDF) 

This report, Home Mortgage and Small Business Lending in Baltimore and Surrounding Areas, details lenders' abandonment of neighborhoods in Baltimore based upon the race of members of those neighborhoods and the preferences of lenders for white borrowers and majority white neighborhoods. Using maps, statistical analyses, and public data, NCRC presents an alarming picture of Baltimore. 

Key findings of the report:

· There are very different patterns of lending in Baltimore City and the surrounding counties, with disinvestment in most of the city and affluence in the suburbs.

· In Baltimore City, race matters most in mortgage lending. Lending is greater in neighborhoods with larger white than African American populations, and there are tremendous disparities in home lending for African American and white residents.

· In the surrounding suburban counties, economic factors are the most useful in predicting home purchase lending activity.

· It is very difficult for borrowers of any income to be approved for mortgage loans in Baltimore City, where low- to moderate-income (LMI) census tracts are the majority. An LMI applicant is more likely to receive a mortgage loan in wealthier neighborhoods in Baltimore County.

Geo-coding provided by Texas A&M University GeoServices

Page 1 of 12