Research and Reports

NHRC Surveys/Reports

• 2020 Forbearance and Delinquency Survey Results
• 2016 Mortgage Servicing Report: Servicer Compliance with CFPB Servicing Regulations
• National Mortgage Settlement Servicing Standards and Noncompliance: Results of a National Housing Counselor Study (June 2013)
• Released by NCLR in collaboration with NHRC and several civil-rights and housing organizations: Making the Mortgage Market Work for America’s Families (2013)
• Impact of Reduced and Delayed Federal Funding for Housing Counseling (2012)
• Effects of the Housing Counseling Funding Reductions (2012)
• Mortgage Servicing Survey (2012)

Effectiveness of Homeownership Counseling and Financial Education

• The Effectiveness of Pre-Purchase Homeownership Counseling and Financial Management Skills (2014)
• The Benefits of Pre-Purchase Homeownership Counseling (2013)
• Pre-Purchase Counseling Impacts on Mortgage Performance: Empirical Analysis ofNeighborWorks®America’s Experience (2013)
• Has Foreclosure Counseling Helped Troubled Homeowners? (2012)
• The Effects of Foreclosure Counseling for Distressed Homeowners (2012)
• National Foreclosure Mitigation Counseling Program Evaluation (2011)
• Estimating the Effects of Foreclosure Counseling for Troubled Borrowers, (2011)
• Homeownership Education and Counseling: Do we know what works? (2011)
• The Impact of Consumer Credit Counseling on Distressed Mortgage Loan Losses (2011)
• Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis (2010)
• The Impacts of Community-based Foreclosure Prevention Programs (2008)
• Credit Counseling and Mortgage Termination by Income Households (2005)
• A Little Knowledge Is a Good Thing: Empirical Evidence of the Effectiveness of Pre-Purchase Homeownership Counseling (2001)

       From HUD

• Foreclosure Counseling, Outcome Study: Final Report (2012)
• Pre-purchase Counseling, Outcome Study: Research Brief (2012)
• The State of the Housing Counseling Industry (2008)

Financial Literacy and Credit

• Analysis of Differences between Consumer and Creditor-Purchased Credit Scores (2012)
• Council for Economic Education
• Corporation for Enterprise Development (CFED)
• Financial Capability Study (FINRA)
• Financial Literacy: An Overview of Practice, Research, and Policy (Federal Reserve)
• Goodbye to Complacency Financial Literacy Education in the U.S. 2000-2005
• National Endowment for Financial Education (NEFE)

Foreclosure

• Justice Unsettled: How the Foreclosure Shadow Docket & Discontinuances Prevent New Yorkers from Saving Their Homes (2012)
• Justice Deceived: How Large Foreclosure Firms Subvert State Regulations Protecting Homeowners (2011)

HAMP

• At a Crossroads: Lessons from the Home Affordable Modification Program (HAMP), (2013)

National Mortgage Settlement

Office of Mortgage Settlement Oversight (OMSO)

• Updated National Consumer Relief Data and Interactive Maps (May 2013) 
• Ongoing Implementation: A Report from the Monitor of the NMS (Feb. 2013)
• Archived Consumer Relief Maps (Updated 2013)
• Continued Progress Report(Nov. 2012)
• First Take Report (Aug. 2012)

National Foreclosure Mitigation Counseling Program Evaluation

• NFMC Program Congressional Update (2012)
• NFMC Program Evaluation: Final Report Rounds 1 & 2  (2011)
• NFMC Program Evaluation: Preliminary Analysis of Program Effects  (2009)

Racial Gap

Other Topics/Issues

• An Estimate of Housing Discrimination Against Same-Sex Couples (2013)
• Housing  American’s Future: New Directions for National Policy (2013)
• Pathways after Default: What Happens to Distressed Mortgage Borrowers and Their Homes? (2011)