The Community Lending Fact Book provides residential lending data to the public in a form that enables neighborhood residents, community organizations, policymakers, and lenders to monitor and manage mortgage lending activity and to ensure that each neighborhood has access to affordable and responsible credit to help create and maintain a healthy economy.

The Community Lending Fact Book is made up of a set of area profiles that include information on mortgage lending and foreclosure trends; levels of higher cost, or subprime, mortgage lending; changes in the income-levels of local home buyers; and the activity of top lenders.

Tracking Changes in Chicago Region Mortgage Lending

The Community Lending Fact Book has analyzed single-family loan applications, denials, and originations by the race and ethnicity of applicant for over twenty years. As the mortgage industry continues to change, the Fact Book now provides a breakdown of "high cost" loans and overall changes in loan origination and foreclosure activity for the last six years.

Identifying Top Lenders in a Your Community

Whether you a community organization seeking to partner with a local lender, a homeowner looking to see what banks are active in your community, or a financial institution comparing market share neighborhood by neighborhood,  the Community Lending Fact Book's analysis of top neighborhood lenders can provide the information you are looking for.

Likewise, if you are concerned that high cost lenders have a disproportionate share of the market in your community, the Fact Book can give you the tools you need to advocate for change.

Tracking Neighborhood Change

The Fact Book gives users the ability to track changes in the income level of local area home buyers. This chart can be used by those interested in monitoring neighborhood change to track changes in the volume of home purchase lending and the income-level of home buyers moving into a community.