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Mortgage Lending

Mortgage Lending

Home ownership has been the primary means for most American families to build and pass on inter-generational wealth. However, government-sanctioned racial discrimination in housing and mortgage finance markets robbed many families of this opportunity, and today’s racial homeownership gap is barely changed from the levels of more than 50 years ago. Closing the homeownership gap is essential to closing the racial wealth gap.  Additionally, predatory mortgage lending practices drained trillions in wealth from families, especially Black, Latino, low wealth and low-income Americans. CRL successfully advocated for the Dodd-Frank Wall Street Reform and Consumer Protection Act, which has made the mortgage market far safer for consumers. CRL is building on this progress by working to ensure that all credit-worthy borrowers have access to fair, affordable, and sustainable mortgages. And that policy makers and market participants develop solutions that are appropriate to respond to the scale of this housing crisis. 

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Andrews v. Chevy Chase, fsb (appeal)

Tuesday, May 8, 2007

Andrews v. Chevy Chase, fsb (appeal)

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Amicus Brief
Mortgage Lending

The Role of the Secondary Market in Subprime Mortgage Lending

Tuesday, May 8, 2007

The Role of the Secondary Market in Subprime Mortgage Lending

Testimony before the U.S. House Committee on Financial Services Subcommittee on Financial Institutions and Consumer Credit
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Testimony
Mortgage Lending

Comment: Proposed Interagency Statement on Subprime Mortgage Lending

Monday, May 7, 2007

Comment: Proposed Interagency Statement on Subprime Mortgage Lending

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Comment Letter
Mortgage Lending

Race, Ethnicity and Subprime Home Loan Pricing

Friday, March 30, 2007

Race, Ethnicity and Subprime Home Loan Pricing

This study (published in the March-April edition of the Journal of Economics and Business) examines whether borrowers’ race and ethnicity affect subprime loan pricing after accounting for objective determinants, including credit scores and loan-to-value ratios. The results show that African-American and Latino borrowers are more likely to receive higher-rate subprime home loans than non-Latino white borrowers. The authors are Debbie...
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Research
Mortgage Lending

Calhoun: Are Legislative Remedies to Limit Predatory Lending Really Remedies?

Thursday, March 29, 2007

Calhoun: Are Legislative Remedies to Limit Predatory Lending Really Remedies?

Federal Reserve System's Fifth Community Affairs Research Conference "Financing Community Development: Learning from the Past, Looking to the Future" The best outcomes for consumers require a competitive market, fair opportunities, and a policy framework that makes both possible. The optimization of a policy framework along these lines is often most limited by the quality of information available concerning market realities...
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Research
Mortgage Lending

Subprime Lending is a Drain on Home Ownership

Tuesday, March 27, 2007

Subprime Lending is a Drain on Home Ownership

"Yeah, people got bad mortgages. But others were able to finally buy a home" begins a recent article in a national magazine, repeating the common assumption that subprime mortgage lending has helped increase the overall level of homeownership. But a new CRL analysis shows that while the subprime market has produced more than $2 trillion in home loans over the...
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Research
Mortgage Lending

Testimony: Paul Leonard to California Senate Banking 03/26/2007

Monday, March 26, 2007

Testimony: Paul Leonard to California Senate Banking 03/26/2007

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Testimony
Mortgage Lending

Foreclosure, Predatory Mortgage and Payday Lending

Wednesday, March 21, 2007

Foreclosure, Predatory Mortgage and Payday Lending

Committe: U.S. House Committee on Oversight and Government Reform
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Testimony
Mortgage Lending

Case Study in Subprime Hybrid ARM Refinance Outcomes

Wednesday, February 21, 2007

Case Study in Subprime Hybrid ARM Refinance Outcomes

Research
Mortgage Lending

Preserving the American Dream: Predatory Lending Practices and Home Foreclosures

Wednesday, February 7, 2007

Preserving the American Dream: Predatory Lending Practices and Home Foreclosures

Committe: U.S. House Committee on Oversight and Government Reform
More
Testimony
Mortgage Lending

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Center for Responsible Lending 
302 West Main Street, 
Durham, NC 27701 
(919) 313-8500 

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(202) 349-1850 

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(510) 379-5500

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Building on Over 40 Years of Lending Experience

CRL’s expertise gives it trusted insight to evaluate the impact  of financial products and policies on the wealth and economic stability of Asian, Black, Latino, rural, women, military, low-wage, low-wealth, and early-career workers and communities.

CRL is an affiliate of Self-Help, one of the nation’s largest nonprofit community development financial institutions. Our work leverages the strength of partnerships with national and local consumer and civil rights organizations.

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