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Community Reinvestment: Publications

The Long Island Foreclosure Crisis: Stabilizing the communities most impacted by foreclosures in Nassau and Suffolk Counties
Study identifies hardest hit towns and strategies to keep families in their homes and limit damage to the local tax base. Read More

Paying More for the American Dream VI
This report examines systemic inequities in the mortgage market, as reflected in neighborhood lending patterns based on race and ethnicity. The authors analyzed 2010 Home Mortgage Disclosure Act (HMDA) data, and compared conventional and government-backed prime mortgage lending in seven U.S. cities, based on borrowers’ race and ethnicity and the racial and ethnic composition of neighborhoods. Read More

The River Runs Dry
This report documents a dramatic decrease in prime mortgage lending made between 2006 and 2008 in Rochester, NY, and highlights that low-income communities and neighborhoods of color were hardest hit by the drop-off in lending. Read More

Paying More for the American Dream IV
A report documenting a dramatic decrease in low-cost home loans and highlighting that communities of color were hardest hit by the drop-off in lending. Read More

Paying More for the American Dream III
Promoting Responsible Lending to Lower-Income Communities and Communities of Color Read More

Paying More for the American Dream II
The Subprime Shakeout and Its Impact on Lower-Income and Minority Communities Read More

Paying More for the American Dream I
A Multi-State Analysis of Higher Cost Home Purchase Lending Read More