Urban Institute

New research shows Federal Home Loan Bank liquidity doesn't just stabilize lenders — it translates directly into mortgage originations, small business loans, and community development funding

New data highlights a housing market of contrasts, with a growing share of mortgage-free homeowners, widening income disparities by state, luxury condo supply pressures, and rising insurance costs, among other vital stats

The Urban Institute says innovative mortgage products like assumable, portable, or 50-year loans may improve mobility at the margins, but will not meaningfully improve affordability

Rising student loan delinquencies — now back to pre-pandemic levels with six million borrowers past due — are dragging down credit scores and making it harder for many people to qualify for mortgages, tightening affordability and access to homeownership

The Urban Institute examines data to see how policymakers at the local, state, and federal levels are expanding manufactured housing options to help solve the market’s affordability and housing supply issues

Applications analysis reveals systemic disparities in lending — here’s how the industry should respond