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Mortgage Finance


Community Advantage Program Study
Mortgage Finance
Research funded by Ford Foundation

The UNC Center for Community Capital has conducted a long-term study of the nearly 50,000 low- and moderate-income (LMI) and minority homeowners to identify specific lending practices and policies that enable or inhibit successful homeownership.

JP Morgan Chase logo

Research and Evaluation of Emerging Practice in Affordable Housing and Financial Capability
Affordable Homeownership, Homeownership Counseling, Asset-Building & Savings, Consumer Debt & Credit, Financial Capability & Education, Financial Services Industry
Research funded by JPMorgan Chase

The center will create an “Opportunity Index” and develop new models for increasing financial capability and innovative technologies to deliver financial services.


Ohio Foreclosure Prevention Program Evaluation
Mortgage Finance, Mortgage Default & Foreclosure, Regulation & Reform
Research funded by John D. and Catherine T. MacArthur Foundation

The center has teamed with Ohio Housing Finance Agency’s Office of Affordable Housing Research and Strategic Planning on a John D. and Catherine T. MacArthur Foundation grant-funded project to evaluate the effectiveness of federally funded mortgage payment assistance for unemployed homeowners.


The Mortgage Performance of Energy Efficient Homes
Mortgage Finance
Research funded by Institute for Market Transformation

The center assesses whether mortgages obtained for energy-efficient homes perform better than home loans obtained for standard homes.

2015 Latino Housing Study cover

Latino Housing Needs in North Carolina
Mortgage Finance, Affordable Homeownership, Regulation & Reform
Research funded by Latino Community Development Center, Latino Community Credit Union, State Employees Credit Union, Z. Smith Reynolds Foundation

Center researchers conduct a comprehensive study of the housing needs of Latinos in North Carolina for the Latino Community Development Center and Latino Community Credit Union.


Community Impact Evaluation of Habitat's Neighborhood Stabilization Program
Mortgage Finance
Research funded by Habitat for Humanity

The center and Habitat for Humanity International evaluate the impact of the nonprofit developer's federally funded Neighborhood Stabilization Program work in seven diverse U.S. communities to understand the effectiveness of this approach to neighborhood recovery.

HUD logo

Pre-Purchase Homeownership Counseling Demonstration and Impact Evaluation
Mortgage Finance, Homeownership Counseling, Financial Capability & Education
Research funded by Abt Associates and the U.S. Department of Housing and Urban Development

Center researchers are participating in a study to measure the impact of pre-purchase housing counseling on a range of outcomes for first-time homebuyers.

Ford Foundation logo

Future of Mortgage Finance
Mortgage Finance, Affordable Homeownership, Mortgage Default & Foreclosure, Regulation & Reform
Research funded by Ford Foundation

Researchers examines two key issues related to mortgage finance -- the effect of servicers on loan performance and projections for future home ownership based on various mortgage credit access scenarios.

Enterprise logo

Obstacles to Low-income Communities Accessing Mortgage Capital
Mortgage Finance
Research funded by Enterprise Community Partners

Center researchers examined the obstacles low-income and minority communities face in accessing mortgage capital, particularly those targeted by the U.S Department of Housing and Urban Development's Neighborhood Stabilization Program.


Community-Based Interventions for Foreclosure Prevention and Mitigation
Mortgage Finance
Research funded by Genworth Foundation

Center researchers evaluate the impact of four nonprofit organizations that received funding from the Genworth Foundation to implement foreclosure prevention and mitigation programs.


Understanding Mortgage Loss and Foreclosure
Mortgage Finance
Research funded by State Foreclosure Prevention Working Group

Center researchers analyze data from 13 of the largest subprime mortgage services in the country to recommend ways to alleviate the foreclosure crisis.


The Housing Crisis and Latino Families
Mortgage Finance
Research funded by Atlantic Philanthropies

Center researchers and the National Council of La Raza examined the impact of the subprime foreclosure crisis on Latino families and recommend policy interventions to stabilize households and help families rebuild lost wealth.


Reducing Subprime Foreclosures and Improving Consumer Financial Services in North Carolina
Mortgage Finance
Research funded by North Carolina Commissioner of Banks

Researchers track monthly foreclosure starts by county in the center's home state of North Carolina.


Predatory Lending and Preemption Legislation
Consumer Financial Services, Mortgage Finance
Research funded by National State Attorneys General Program

Two companion reports examine the effect of the federal government's preemption of state anti-predatory lending legislation for national banks in 2004.

The UNC Center for Community Capital conducts research and policy analysis on ways to make financial services work better for more people and communities.


© 2017 UNC Center for Community Capital
1700 Martin Luther King Blvd., Suite 129 • CB#3452, Chapel Hill NC 27599-3452 • 919.843.2140 • 877.783.2359 •