NCRC 2020 Home Mortgage Report: Examining Shifts During COVID-19

In this paper the National Community Reinvestment Coalition presents a broad and detailed analysis of 2020 Home Mortgage Disclosure Act (HMDA) data. Our analysis reveals how the private or conventional mortgage lending market is failing to serve economically insecure households of color. This re-enforces the racial divide in homeownership which is a pillar of the growing racial wealth divide.


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