Research & Analysis
HIGHLIGHT
Back in 2001, we estimated that predatory mortgage lending cost consumers $9.1 billion every year. Since then, the market for subprime home loans surged, then exploded, and it has become painfully clear that the total cost of bad lending practices is almost incalculable. Still, we keep trying. In recent years our research has focused on topics such as trends in the subprime market, racial disparities in lending, and an assessment of predatory lending laws in the states. Visit us often to stay up-to-date on our latest findings, including periodic assessments of reports issued by lenders and regulatory agencies.
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- Balancing Risk and Access: Underwriting Standards for Qualified Residential Mortgages
January 18, 2012Mandatory down payments on mortgages would put fairly-priced loans out of reach for millions of creditworthy families.
- Qualified Residential Mortgages: Down Payment Rules Threaten Home Buyers—and the Economy
January 17, 2012The housing market of the future can drive economic growth without shutting out responsible home buyers. Find reports, data and other resources on Qualified Residential Mortgages.
- Foreclosure Counseling: Areas of Greatest Need
December 1, 2011Which areas of the U.S. have been hardest hit by the foreclosure crisis? Which areas have the greatest need for foreclosure counselors? This report analyzes 366 metropolitan and 577 micropolitan areas to help answer these questions.
- Facing the Foreclosure Crisis:
Four Urgent Needs to Address Now.
November 29, 2011This policy brief is a companion piece to CRL's foreclosure research, "Lost Ground, 2011." Here we discuss practical policies that would help stop the foreclosure epidemic and restore confidence in the housing market.
- Disparities in Mortgage Lending and Foreclosures: Maps and Data
November 17, 2011Click on a state to view foreclosures and serious delinquencies by state and metropolitan area. Also: see 8 charts that break the information down further by demographics and income.
