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Lucia Constantine


Lucia Constantine is a researcher at the Center for Responsible Lending focusing on mortgage lending and predatory debt practices. Prior to working with CRL, Lucia was a senior policy analyst at the North Carolina Housing Finance Agency, where she performed data analysis and research to understand gaps in affordable housing across the state and inform use of state and federal funds. Before her work in affordable housing, she spent her early career in nonprofits and higher education, focused on issues related to immigration, civic engagement and economic development.

She graduated with a B.A. in Human Biology from Stanford University and a Master’s in City and Regional Planning from the University of North Carolina-Chapel Hill, where she received the NC-APA Outstanding Student Award. She is on the board for the Durham Community Land Trust and the City of Durham’s Affordable Housing Implementation Committee. Outside of work, Lucia enjoys hiking with her dog, reading fiction and socializing.

Research & Policy

Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending.


November 1, 2022
WASHINGTON, D.C. – The high burden of student loan debt limits the future financial options of graduates of Historically Black Colleges and Universities (HBCU) and breaks the promise of a college...