Stories

The IRE Resource Center is a major research library containing more than 27,000 investigative stories.

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Search results for "hmda" ...

  • Broken Dreams

    This story utilized HMDA data, foreclosure reports and experts to explain how a wave of unstable mortgage loans were causing increasing numbers of uninformed borrowers to lose their homes. The investigation illustrated the problems faced by many people who, being unfamiliar with buying a home, ended up accepting very harsh terms on their loans and mortgages. Experts predict that this situation will lead to a rise in forclosures in the area.
  • Buying a Home

    Banks and mortgage companies still do relatively little business among minorities and in minority neighborhoods. That applies to even the biggest banks, which under law must serve the entire area where they take deposits. Lenders still reject minority mortgage applicants far more frequently than whites. Even high income minorities are rejected more frequently than whites with lower incomes. These patterns don't prove illegal discrimination. But taken with interviews with dozens of loan applicants, bankers, community activists, regulators and researchers, they show that barriers to minority homeownership still stand.
  • Unequal Opportunity

    Santa Rosa (Calif.) Press Democrat reveals a pattern of higher loan rejections for minorites than for whites in the Santa Rosa area; computer-assisted report finds that disparities between whites and minorities was even higher in high-income brackets.