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Tag Archives: Urban Institute

Loan Denial Rates and Credit Scores

An analysis of HMDA data found that even though the rate of mortgages made to minorities is rebounding, the loan denial rates for this group remain high. Can alternative forms of credit scoring help them become homeowners?

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Loan Mods and Liquidation Decline

Loan modifications and liquidation continued to decline in the first quarter of 2018, according to a housing finance snapshot giving a breakdown of how defaults and delinquencies have performed. Here are some other findings of this report.

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The Challenges of Residential Instability

Homelessness is a critical issue facing the nation, but a new report examines the challenges of “housing instability,” and how communities can intervene to deal with the problem before it reaches the point of homelessness. That’s the topic of the ...

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Rental Payment History vs. Mortgage Delinquency Risk

Rental payment history is indicative of future mortgage loan performance and should be considered when individuals apply for mortgage loans, according to new research from the Urban Institute. “Access to mortgage credit remains overly tight in part because we are ...

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