Irvin Henderson
Trustee National Trust for Historic Preservation Henderson, NC
Maryellen J. Lewis
ChairMichigan Community Reinvestment Coalition Lansing, MI
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Bethany Sanchez, NCRC Immediate Past Chair
Director, Fair Lending
Metropolitan Milwaukee Fair Housing Council
Milwaukee, WI
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Pro Bono Data Analysis
NCRC provides a variety of data analysis services to its members.  Valued in the thousands of dollars, these analyses describe overall home and small business lending trends on the state, local and neighborhood levels. NCRC members also receive analyses of the lending performance of specific lenders.
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Studies for Public Sector Agencies
NCRC has conducted several in-depth studies for public sector clients.  For the City of Philadelphia, PA, NCRC assessed the extent to which banks receiving City deposits were making home and small business loans in minority and working-class communities. NCRC’s two studies for Philadelphia documented progress (an increase in home lending by the banks), identified stakeholders
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National Studies of Lending Trends
With new information in HMDA data concerning high-cost loans, NCRC has created a series of studies documenting that minorities, women and the elderly receive a disproportionate amount of high-cost or subprime loans. When a group of borrowers receives a disproportionate amount of such loans, excessive fees, interest rates and other unfair practices become more likely,
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Government Sponsored Enterprises Reform
Fannie Mae and Freddie Mac are known as Government-Sponsored Enterprises (GSEs) because of considerable benefits, such as tax exemptions, that they receive from the Federal government. The GSEs serve a critical function as they buy loans from banks, enabling banks to make more loans. With GSE reform as a major priority for Congress, NCRC will
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HMDA Data Enhancements
Enacted by Congress in 1975, the Home Mortgage Disclosure Act (HMDA) requires banks, savings and loan associations and other financial institutions to publicly report detailed data on their home lending activity. Over the years, community organizations and concerned citizens have used HMDA data as a tool to determine which banks are lending in their community.
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