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Research

Promo for 3-28 Fact Book lunch and learn

2021: As Non-CRA-Regulated Mortgage Lending Increases, Black, Latino, and Lower-Income Groups Receive Higher Cost Loans

Our March 28 webinar presented findings, plans for the next generation of the Community Lending Fact Book & Data Portal, and highlights from article 1 of our new series on reframing the racial wealth gap, a look at...

March 28, 2023 at 6:57 pm read more
Director of Research, Amber S. Hendley, presenting to the Chicago Community Trust’s Advancing Equity: Closing Homeownership Gap cohort. Pictured comparing 2021 mortgage lending differences between Black and White homebuyers in Folded Map™ twin communities of Greater Englewood and Edgewater.

Reframing the Racial Wealth Gap

This is the start of a solutions-focused series designed to reframe homeownership’s role in closing the Black-White wealth gap. The topic of article one is: Homeownership Alone Will Not Close the Racial Wealth Gap: On Income Inequality and Systemic...

March 24, 2023 at 1:40 pm read more
image of a customer inside a bank

2021 data show increase in banked households & growth in mobile banking

This fact sheet highlights that across the nation, the rate of banked households has grown since 2019, according to the latest biennial FDIC survey data release.

February 7, 2023 at 9:23 pm read more
Image of a clipboard spells out Community Reinvestment Act

Cal Bradford: The CRA Prohibits Race Discrimination

Here we share a 2022 article by longtime CRA expert Cal Bradford showing that race is central to the Community Reinvestment Act.

January 21, 2023 at 9:46 am read more
text on a purple backdrop Violating Your Way to an Outstanding Rating

Violating Your Way to an Outstanding CRA Rating

Federal laws that were supposed to help bank regulators overcome racial discrimination didn't work, Cal Bradford shows in this article

January 21, 2023 at 9:12 am read more
Report over with Pawn shop image and report title

Pawn Loans and the Wealth Gap in Illinois

Households that do not have a bank account are nearly five times as likely to be pawnshop borrowers as households with a bank account. Over 80% of pawnshop loan borrowers are unbanked, which is one reason consumers turn to...

January 9, 2023 at 11:02 pm read more
Green block with report title and CFA + Woodstock logos

Alternatives to High-Cost Loans and Policy Solutions to Expand Affordable Options Report co-published with CFA

We're proud to work with Consumer Federation of America to publish this report detailing alternatives to high cost loans and policy solutions to expand affordable options.

December 20, 2022 at 7:26 pm read more
Fact Book 22 Lunch & Learn

Lender Backsliding: Increased Loan Disparities in 2020 lunch and learn

Our new analysis found lending disparities grew in the Chicago region in 2020. Overall, we found, loan volume increased mostly due to refinance loans. Research Associate Natalie Cheng led our presentation on findings and demonstrated the latest iteration of...

September 20, 2022 at 5:44 pm read more
Community Lending Fact Book 2020 Edition

Refis up in 2020: Highlights from Community Lending Fact Book 2020 Data Edition

Each year we analyze home and small business lending data for Chicago and the metro region and share it on our Data Portal. In 2020, we found that lending disparities grew in the Chicago region, while overall loan volume...

August 1, 2022 at 8:49 am read more
CRA CBAs brown bag promo with panelist headshots

Bank / Community Benefits Agreements – Game Changer or Consolation Prize?

Join banking, regulatory, legal, fair housing, advocacy and policy experts for a conversation on the community-lender discussions spurred by CRA requirements around mergers and the agreements that often come from these conversations.

May 19, 2022 at 1:13 pm read more
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