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Housing - Policy Related Reports

The Lingering Storm: Mortgage Lending Disparities on Long Island
The Lingering Storm: Mortgage Lending Disparities on Long Island examines mortgage lending, denial rates, and denial disparities in 2013. In an effort to combat our nation’s discriminatory housing policies, we offer several recommendations for policy makers at all levels of government. Read More

The River Runs Dry II: The Persistent Mortgage Drought in Rochester’s Communities of Color
"The River Runs Dry II: The Persistent Mortgage Drought in Rochester’s Communities of Color” analyzes home purchase lending in the Rochester metro area and the City of Rochester. Read More

In the Eye of the Storm: Why the Threat of Foreclosure Damage Continues
Empire Justice Center's comprehensive analysis of five years of foreclosure data in Rochester, NY, with recommendations for changes in state and federal policy. 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

Paying More for the American Dream V
Access to mortgage refinance loans sharply declined in communities of color – and increased substantially in predominantly white neighborhoods, according to a report released today by a multistate collaboration of regional research, policy and advocacy organizations, including Empire Justice Center.... Read More

The Mortgage Meltdown II
New York's continuing foreclosure crisis and the need to help homeowners avoid the loss of their homes Read More

The Self-Sufficiency Standard for New York State 2010
This report measures the income and earnings necessary for families to be self-sufficient in every county of the state. 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

How Fair Is New York’s FAIR Plan?
An Examination of NYPIUA’s Residential FAIR Plan Policies. Read More

Curbing the Mortgage Meltdown
The Impact of Foreclosures on New York’s Economy and Communities Read More

Homeowners Insurance Gap
How race and neighborhood composition explain cost and access disparities in Rochester and Monroe County, New York. Read More