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)