Research & Analysis

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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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  • The Impact of Dodd-Frank's Home Mortgage Reforms
    Published: Jul 11 2012      Issue: Mortgage Lending

    CRL Senior Vice President Eric Stein emphasized the importance of defining "Qualified Mortgage" broadly to avoid shutting out creditworthy borrowers from the mortgage market. He recommended that QM...

  • Expanding, Streamlining Mortgage Refinances
    Published: Jun 27 2012      Issue: Mortgage Lending

    The Boxer-Menendez bill to expand refinances offers a bipartisan opportunity to help homeowners and boost the economy. The bill would more than double the number of homeowners who could refinance...

  • California Foreclosure Statistics: The Crisis is Not Over
    Published: Apr 26 2012      Issue: Mortgage Lending

    Compilation of California foreclosure statistics through 2011 from a variety of sources, including Center for Responsible Lending, DataQuick and the Mortgage Bankers Association.

  • Summary of National Mortgage Settlement
    Published: Mar 14 2012      Issue: Mortgage Lending

    Forty-nine state attorneys generals and two government agencies have reached a $25 billion agreement with the nation's five largest mortgage servicers to address mortgage loan servicing and...

  • Balancing Risk and Access: Underwriting Standards for Qualified Residential Mortgages
    Published: Jan 18 2012      Issue: Mortgage Lending

    Mandatory down payments on mortgages would put fairly-priced loans out of reach for millions of creditworthy families.

  • Foreclosure Counseling: Areas of Greatest Need in 2011
    Published: Dec 1 2011      Issue: Mortgage Lending

    Which areas of the U.S. have been hardest hit by the foreclosure crisis in 2011? Which areas have the greatest need for foreclosure counselors? This report analyzes 366 metropolitan and 577...

  • Facing the Foreclosure Crisis:
    Four Urgent Needs to Address Now.

    Published: Nov 29 2011      Issue: Mortgage Lending

    This 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...

  • Disparities in Mortgage Lending and Foreclosures: Maps and Data
    Published: Nov 17 2011      Issue: Mortgage Lending

    Click 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.

  • Lost Ground, 2011: Disparities in Mortgage Lending and Foreclosures
    Published: Nov 17 2011      Issue: Mortgage Lending

    CRL's research shows we're not even halfway through the foreclosure crisis. "Lost Ground" covers the scope of the crisis, the impact by race and ethnicity, and foreclosures and serious...

  • Coalition Urges Strong Servicing Settlement that Holds Banks Accountable
    Published: Aug 24 2011      Issue: Mortgage Lending

    As state Attorneys General wrap up their robo-signing investigation, CRL joins Americans for Financial Reform in urging AGs to produce a strong settlement for homeowners that prevents unnecessary...

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