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Tag Archives: The Urban Institute

A Closer Look at Hispanic Homeownership

In this video spotlight, expert panels share their perspectives on the challenges faced by Hispanic Americans in areas of homeownership, savings and investments, and entrepreneurial opportunities.

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Negative Equity and Serious Delinquencies Slide

The market is recovering, and delinquencies are poised to drop again after a spike in the first quarter of the year, according to a report. Here's a breakdown of the quarter over quarter performance of delinquencies and foreclosure rates.

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Urban Institute: GSEs Underserve Weaker Credit Mortgage Applicants

2015 HUD

Recently, Dave Stevens, head of the Mortgage Bankers Association, revealed a shocking statistic—the GSEs denied 56 percent of African American mortgage applicants. Many, including Fannie Mae, responded that the MBA's numbers overestimated the denial rate for minorities. A new blog post from the Urban Institute commented that the MBA’s denial rate wasn't too high; rather, it was much too low.

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Have Lower Lending Standards Pushed Credit Scores Down?

After years of too-loose and then too-tight credit access, average FICO scores are now slowly floating down, and the market looks a little more open for low-score borrowers. But do these steady declines really indicate a loosening in standards among lenders? “Afraid not,” say researchers at the Urban Institute’s (UI) Housing Finance Policy Center.

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Were Mortgages Lost from Tight Credit Restrictions?

A study by the Urban Institute calls for "expanding the credit box" in order to promote not only a housing recovery, but an overall economic recovery. The report estimated, "1.22 million fewer purchase mortgages were made in 2012 than would have been the case had credit availability remained at 2001 levels."

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