Posts about NCRC research.
NCRC member organizations pursue a range of missions that fit broadly under the umbrella of promoting economic equity for all Americans. The research team at NCRC supports those members in many ways, including providing assistance in quantifying the impact of our members’ efforts in their communities. One Houston, TX-based community development financial institution (CDFI) offers […]
The racial wealth gap remains one of the biggest economic inequity problems facing the United States today. With its origins in chattel enslavement of Black Americans, the gap remains a stark reminder of the societal costs of these insidious practices. Long after abolition, neighborhood redlining and instances of racial terror, such as the 1921 Tulsa
Business Ownership and Its Role in Maintaining the Racial Wealth Gap Read More »
In most American communities, one will see sleek, newly constructed luxury apartments, a variety of trendy eateries, carefully manicured shrubbery and the new well-to-do residents seemingly without a care in the world on one block. Then, one will see the bleak, dilapidated buildings, gaudy fast-food restaurants, tree-barren landscapes and the established residents that are struggling
A new analysis of gentrification and displacement since 1980 — with interactive maps.
Analysis of Topline Figures in the May BLS Report The economy added 177,000 jobs in April while the unemployment rate remained at 4.2%. The February and March job gains were revised down by 15,000 and 43,000, respectively. The April job gains came primarily in the healthcare and education (+58,000), transportation and warehousing (+29,000), and leisure
The Trump Administration’s trade war continues to roil both the financial markets and key economic indicators, such as consumer sentiment. The anxiety around the market has even spread to the US Treasury market, where the damage could cause borrowing costs for households to rise, especially for home mortgages. A bond is essentially a loan, either
How Tariffs Drive Up Mortgage Costs and Undermine Homeownership Read More »
Analysis of Topline Figures in the April BLS Report The economy added 228,000 jobs in March, while the unemployment rate increased to 4.2%. In the midst of a brewing trade war and talks of a potential recession, the job gains caught forecasters off guard. We should note that the reference period for the establishment survey
The Recessionary War on Workers: April 2025 Race, Jobs and the Economy Update Read More »
On March 31, 2025, the Consumer Financial Protection Bureau (CFPB) released the latest data on mortgage lending in the United States covering activity from 2024. This annual dataset is essential for advocates, regulators, policymakers at all levels and lenders who seek to understand lending trends and disparities. Despite political efforts to weaken the CFPB and
A First Look at the Intersection of Mortgage Lending and Race in 2024 Read More »
Analysis of Topline Figures in the March BLS Report In February, the economy added 151,000 jobs, while the unemployment rate ticked up to 4.1%. Although the topline figures are relatively solid, especially considering the current tumultuous political climate, the report does contain some concerning red flags. The government sector only added 11,000 jobs, while the
America tried a lot of different things to repair racial economic inequality over the past three decades. The racial wealth gap barely moved.
The Racial Wealth Gap 1992 to 2022 Read More »
A thorough and robust analysis of key housing market trends for racial economic equity and homeownership.
NCRC Mortgage Market Analysis Read More »
Detroit’s city limits are also an iron curtain between sharply contrasting mortgage lending patterns, dividing wealth-building opportunities along racial lines.
Neighboring Markets, Worlds Apart: Mortgage Lending In Detroit And Wayne County Read More »
The July jobs report hints at a softening economic picture — especially with household budgets continuing to feel the squeeze of inflation.
The May BLS jobs report is out. Nearly midway through 2024, what is the overall state of the US economy?
An Anxious Economy: A Mid-Year Race Jobs and the Economy Update Read More »
Flaws in key data have made it difficult to quantify the legacy of redlining and racial segregation – Until now.
Decades of Disinvestment: Historic Redlining and Mortgage Lending Since 1981 Read More »
