Topics
Banking
We look at trends and current conditions in the district’s banking and financial services industry.
Recent Articles
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Homestead Program Is a Land Contract Success Story
Land contracts, when appropriately administered, allow low-income individuals who might not qualify for conventional bank-financed mortgages a chance to become homeowners. Read More
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The Community Reinvestment Act (CRA) for Smaller Communities and Rural Regions
What’s one key element to drive funding to low-income areas of the country? Meaningful and productive partnerships between banks and community-based organizations (CBOs). Read More
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2018 Small Business Credit Survey Report on Nonemployer Firms
The 2017 SBCS provides insights on business conditions and access to financing for nonemployer firms—those with no employees other than the owner(s). Findings show these firms often rely on their owners' personal finances to secure credit, address financial challenges, and fund their business operations. Read more.
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An Uneven Recovery: Home Lending in the Fourth District by Race and Income
Focusing on seven counties across Ohio, Pennsylvania, and Kentucky, our researchers used Home Mortgage Disclosure Act data to examine application and origination activity by income and race during the past 27 years (1990–2016). In a 13-year span preceding and following the Great Recession (2004–2016), three trends were consistent across all seven counties. Read More
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Defining the Challenge: Promoting Economic Mobility and Resilience
To promote economic mobility and resilience among the underserved, an organization must first decide how it defines these terms. The definitions played a prominent role at a recent community development conference. Read how. Read More