Posts about NCRC research.
After years of accelerating bank branch closures that doubled during the COVID-19 pandemic, America’s bank branch network appears to be approaching a new historic low despite a slowing rate of closures. The most recent data shows that 584 net branch closures occurred between 2024 and 2025. This is a dramatic slowdown from the 200 net […]
Bank Branch Closures Slow, But Shifting Demographics Cloud the Picture Read More »
The formal segregation of housing finance imposed by 20th century redlining was officially withdrawn decades ago. Yet, the lines of those old redlining maps remain etched into the landscape of many American cities. Recently, we’ve been told by skeptics, like some academics and banks, that redlining is ancient history. That the federal and banking industry
Historic Redlining’s Effects on Home Mortgages Today Read More »
The end of the longest government shutdown in American history means the resumption of the long-awaited monthly economic data releases from the Bureau of Labor Statistics (BLS). However, the November BLS jobs report and a number of other noteworthy economic data releases have been delayed for weeks. What we know about the state of the
No Christmas Miracle This Year: December 2025 Race, Jobs and Economy Update Read More »
2025 NCRC Mortgage Market Series PART 6: How Major Builders Serve Their Communities Spotlight on top performers delivering real community access—and others whose practices reinforce barriers to homeownership PART 6: How Major Builders Serve Their Communities Spotlight on top performers delivering real community access—and others whose practices reinforce barriers to homeownership Series Introduction Part 6
Mortgage Market Report Series – Part 6: How Major Builders Serve Their Communities Read More »
With the Stroke of a Pen: The Devastating Impacts of Executive Orders on Community & Economic Development Nonprofits December 2025 Timantha Goff, Managing Editor and Writer Jad Edlebi, GIS Data Engineer Key Takeaways 1 Nonprofit-driven economic development projects are being halted as a consequence of executive orders targeting the sector. Survey respondents report not only difficulties in
November is the second month that the Bureau of Labor Statistics has failed to produce a jobs report due to the recent government shutdown. What we do know about the economy comes from private sources, and they paint a mixed to negative picture. Revelio Labs found that the labor market lost 9,000 jobs last month
2025 NCRC Mortgage Market Series PART 5: Top 50 Home Purchase Lenders Analysis for 2024 What the top 50 lenders tell us about the limits of regulation and the future of fair housing PART 5: Top 50 Home Purchase Lenders Analysis for 2024 What the top 50 lenders tell us about the limits of regulation
Mortgage Market Report Series – Part 5: Top 50 Home Purchase Lenders Analysis for 2024 Read More »
With the federal government shutdown that began on October 1st ongoing, economic data releases from a plethora of federal agencies have ground to a halt. This also includes the jobs report issued by the Bureau of Labor Statistics. Despite the lack of official government data, several private sources that collect labor market data have produced
A flaw in the structure of SNAP benefits has serious unintended consequences for recipients working to rise up the economic ladder.
Trapped by Success: How Benefits Cliffs Undermine Economic Mobility for Single Mothers Read More »
Seven years after its creation, the federal Opportunity Zones program has manifested a troubling pattern: creating massive taxpayer-funded benefits for wealthy investors while failing to meaningfully help the communities they were designed to serve. With the wealthiest Americans receiving substantial tax benefits on over $100 billion in capital gains through this program, Opportunity Zones represent
Opportunity Zones: A Taxpayer-Funded Program That Primarily Benefits Wealthy Investors Read More »
It feels especially difficult to secure a job nowadays. The economy added only 22,000 jobs in August as job growth in nearly all industries has decreased or remained stagnant. The effects of what Mark Zandi, the chief economist at Moody’s Analytics, calls a “jobs recession” can be seen everywhere, from the rising length of time
The Jobs Recession Is Affecting the Entire Black Community Read More »
No one is hiring. That is the key finding from the Bureau of Labor Statistics’ (BLS) latest jobs report showing only 22,000 jobs were added in August with nearly all industries remaining stagnant or in decline. The goods-producing industries, including the construction and manufacturing sectors, lost 25,000 jobs. There were steep losses in the professional/business
The Labor Market is Frozen: September 2025 Race, Jobs and the Economy Update Read More »
The August BLS jobs report, along with other economic data released in the same week, provides a window into a labor market losing its resilience amid continued uncertainty. The economy added only 73,000 jobs while the unemployment rate increased to 4.2%. The most shocking finding from the report was the massive downward revision of May
An Inflection Point Has Been Reached: August 2025 Race, Jobs and the Economy Update Read More »
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2025 NCRC Mortgage Market Series PART 4: Mortgage Lending Across American Cities evolving lending practices are redrawing the map of who gets to own a home and where PART 4: Mortgage Lending Across American Cities evolving lending practices are redrawing the map of who gets to own a home and where Series Introduction Part 4:
Mortgage Market Report Series – Part 4: Mortgage Lending Across American Cities Read More »
