Mortgage Finance

Research and analysis on what works in affordable homeownership, the economic and social impacts of homeownership on households and communities, and the policies and regulations needed to shape a vibrant and sustainable mortgage market


CRAServiceTest
Published Article – Peer Reviewed | Summer 2002
Toward a More Performance-Driven Service Test: Strengthening Basic Banking Services under the Community Reinvestment Act
Georgetown Journal on Poverty Law & Policy
Michael A. Stegman, Kelly Thompson Cochran, Robert Faris
Researchers find the Community Reinvestment Act (CRA) service test provides minimal incentive for banks to serve unbanked and underserved populations and recommends 10 reforms to strengthen CRA as a tool for helping more families enter the financial mainstream.

HousingPolicyDebate
Published Article – Peer Reviewed | May 2002
Does a High Tech Boom Worsen Housing Problems for Working Families?
Housing Policy Debate
Roberto G. Quercia, Michael A. Stegman, Walter R. Davis

CRAScorecard
Policy Brief | March 2002
Creating a Scorecard for the CRA Service Test: Strengthening Banking Services Under the Community Reinvestment Act
The Brookings Institution Policy Brief
Michael A. Stegman, Kelly Thompson Cochran, Robert Faris
The Community Reinvestment Act service test could provide important incentives for banks to serve the unbanked and underbanked populations.

BlueprintFall2000
Published Article | Fall 2000
Facing the New Suburban Housing Crunch
Blueprint: Ideas for a New Century
Roberto G. Quercia, Michael A. Stegman, George McCarthy

NewCenturyHousing
Published Article | June 2000
Housing America’s Working Families
New Century Housing
Michael A. Stegman, Roberto G. Quercia, George McCarthy

proj_ReducingSubprime
Data | 2000
North Carolina Foreclosure Data

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

 

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1700 Martin Luther King Blvd., Suite 129 • CB#3452, Chapel Hill NC 27599-3452 • 919.843.2140 • 877.783.2359 • communitycapital@unc.edu