Research

NCRC releases a new report on fair lending performance of credit unions. The report analyzes several credit unions and compares them to bank service to working and minority communities. The study finds that credit unions lag behind banks on 64% of the fair lending indicators that were examined.” Click Here to View: NCRC’s Report “Credit […]

 Income is No Shield III: Gender/Race Disparities Report

 Click Here to view: NCRC’s Cover Letter  Click here to view: Politics and the subprime mortgage meltdown.  Click here to view: Black subprime disparity by congressional district.  Click here to view: Hispanic subprime disparity by congressional district.

 Income Is No Shield II

 Income Is No Shield II

 High Cost Lending on Indian Reservations – Watch Out if You Are Buying a Home

 The Broken Credit System: Discrimination and Unequal Access to Affordable Loans by Race and Age

 Homeownership and Wealth Building Impeded

 The 2004 Fair Lending Disparities: Stubborn and Persistent

 The 2005 Fair Lending Disparities: Stubborn and Persistent II

 Inequalities in Small Business Lending by Income and Race of Neighborhood

 The CRA and Fair Lending Performance of Major Banks in New Orleans

 CRA and Fair Lending Performance of Financial Institutions in Philadelphia 

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.

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