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Reports and Research Library

Friday, March 24, 2017 10:15 AM

2017 Policy Agenda

Table of Contents

Who We Are
Investing in a Just Economy
Invest Local
Invest Forward
Invest Fair
Invest Period

Who We Are

Investing in a Just Economy

Invest Local

Invest Forward

Invest Fair

Invest Period

 


2017 Policy Agenda
(Download PDF


How CRA Can Promote Integration and Prevent Displacement in Gentrifying Neighborhoods
(Download PDF


Home Mortgage Lending in St. Louis, Milwaukee, Minneapolis, and Surrounding Areas
(Download PDF) 


The Community Reinvestment Act: Vital for Neighborhoods, the Country, and the Economy
(Download PDF) 

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


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


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


Protecting Duties to Serve and Responsible Next Steps for Reforming the Secondary Mortgage Market
(PDF Download)

Thursday, May 28, 2015 12:52 PM

CRA Grade Inflation Infographic

 How well are regulators evaluating banks under the Community Reinvestment Act? Check out a new infographic showing the inflation of CRA grades.

Download the infographic

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