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Dr. Herbert was honored to testify in a Senate Banking, Housing, and Urban Affairs hearing, "The State of Housing 2023." In his testimony, he highlighted the nation’s…

With interest rates ticking upward in 2018 and the prospect of further rate increases to come, the era of historically-low mortgage rates may be ending. While many homeowners…

Residential segregation by race and ethnicity is a longstanding challenge in the United States, with the racial and economic geography of communities throughout the nation…

NOTE: Since the publication of this report, JCHS Household Growth Projections have been updated with new projections that supersede those found in the paper below.…

There are many causes to the collapse of the housing market and the recent financial turmoil, but the contribution of the CRA appears marginal. While banks did engage in…

For decades, real estate and housing professionals have thought of the typical home buyer as a married couple, with or without children, either purchasing their first home or…

The dream of equal, fair, and expanded access to credit in low-income communities was never more within the nation’s grasp. Three decades ago credit for home mortgages and…

In 2001, there were over 5.7 million foreign-born1 homeowners living in the United States, with $1.2 trillion in aggregate house value and $876 billion in home equity. More…

This analysis considers the extent to which the Community Reinvestment Act has led institutions under its authority to increase the number of home purchase mortgage loans to…

Record numbers of foreign-born individuals and households currently reside in the United States, substantially affecting housing demand. As of 1998, the 11 million immigrant-…