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Reports and Research Library

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

Monday, May 11, 2015 10:51 AM

Bank Branches in Baltimore, Maryland


Today, the National Community Reinvestment Coalition (NCRC) released a series of maps showing the locations of bank branches and "alternative financial services providers" in Baltimore, Maryland. The maps show bank branch and "alternative financial services provider" locations based on income level and percentage of minority population. The maps show 122 bank branches in Baltimore, Maryland and 166 "alternative financial services providers." NCRC created the maps for the Middle Class Prosperity Project, a collaborative effort by Senator Elizabeth Warren, Ranking Member of the Subcommittee on Economic Policy, and Rep. Elijah E. Cummings, Ranking Member of the House Committee on Oversight and Government Reform, to focus greater congressional and public attention on the challenges facing the middle class, and to formulate and implement concrete policy changes in order to address these challenges.

Download the maps

Geo-coding provided by Texas A&M University GeoServices.

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