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mortgage lending

Chicago Neighborhood Fact Book- houses with snow

Woodstock plans two new Fact Books in 2021

Coming in 2021, two new Fact Books: one features 2020 Dodd-Frank Data, the other will aggregate the data from 34 years of Fact Book data to analyze long-term trends Fact Books, A Valuable Resource Woodstock Institute’s Community Lending Fact...

February 7, 2021 at 11:52 am read more

Need help with the new HMDA Data Browser? We’ve got you covered.

To better assess whether financial institutions meet the lending needs of communities, the Consumer Financial Protection Bureau (CFPB) changed rules governing data collected under the Home Mortgage Disclosure Act (HMDA) in 2015. For the first time in September 2019,...

January 30, 2020 at 12:26 pm read more

Women far less likely to be approved for mortgage in Chicago area (Chicago Tribune)

The study, which controlled for applicants’ income and the size of the loan sought, found that female applicants in the six-county Chicago area were 14.5 percent less likely to receive a home purchase loan than men. A woman whose...

June 17, 2015 at 8:46 pm read more

Report: Women more likely to be denied for mortgages than men

Download the report RSVP for 6/19 forum on barriers to asset-building for women “Homeownership is one of the primary ways that people build wealth,” said Spencer Cowan, Vice President of Research at Woodstock Institute. “It is concerning that women have...

June 17, 2015 at 2:55 pm read more

Comment Letter to the Federal Housing Finance Agency Urging Them to Strengthen 2015-2017 Affordable Housing Goals

141028_woodstock_fhfa.pdfThis letter to the Federal Housing Finance Agency affirms the importance of creating strong affordable housing goals for Fannie Mae and Freddie Mac to promote access to mortgage credit for lower-wealth borrowers. It urges the FHFA to strengthen the...

October 28, 2014 at 9:28 pm read more

Mortgages, credit cards top Illinoisans’ financial gripes to feds (Chicago Tribune)

Bad experiences with mortgages and credit cards topped the list of grievances that Illinois residents have filed with the U.S. Consumer Financial Protection Bureau's online complaint portal, a new study shows. The bureau was born out of the 2010...

October 24, 2013 at 3:17 pm read more

Mortgage, credit card issues top concerns for Illinois consumers, policy brief shows

CHICAGO—Issues with mortgages and credit cards were the top complaints Illinois consumers submitted to the Consumer Financial Protection Bureau (CFPB)’s consumer complaint database, a new policy brief from Woodstock Institute shows. The policy brief examines data from the CFPB’s...

October 23, 2013 at 6:46 pm read more
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Unequal Opportunity: Disparities in Mortgage Lending to Women in the Chicago Region

Presentation for the 2013 National Community Reinvestment Coalition Conference in Washington, D.C. Spencer Cowan presented on Woodstock Institute’s “Unequal Opportunity” report, which identified disparities in lending for women in the Chicago six-county region.

March 20, 2013 at 12:00 pm read more

New research finds disparities in mortgage lending to women

Female mortgage applicants are less likely to have their loans originated than are male mortgage applicants, Woodstock Institute finds in a new fact sheet.
Continue reading New research finds disparities in mortgage lending to women

March 12, 2013 at 8:00 am read more
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Unequal Opportunity: Disparate Mortgage Origination Patterns for Women in the Chicago Area

Unequal Opportunity Fact Sheet, March 2013 Using available Home Mortgage Disclosure Act (HMDA) data and controlling for loan-to-income ratios, we find significant disparities in access by women across racial and ethnic groups to mortgages for purchasing and refinancing their...

March 11, 2013 at 7:45 pm read more
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