This is an image of keys over a blueprint for a house
July 7, 2016

This report summarizes some of the successes of the work of the organizations that participated in the Regional Housing Partnership (RHP), which was supported by the Chicago Community Trust.

This is the title page of the report, it contains an image of a court room gavel.
June 2, 2016

This report examines the development, implementation, and modification of the Circuit Court of Cook County Mortgage Foreclosure Mediation Program as it related to the court process for handling foreclosure cases to learn lessons that may be applied to address the negative impacts of the next crisis.

This is the Title page from the report. It is of a dilapidated room.
March 31, 2016

This report examines data from the Chicago vacant building website, of which the vacant building registry is a part, and compares those data with vacant property address data from the United States Postal Service (USPS) and the Department of Housing and Urban Development (HUD).  This report also looks at extent to which the change to the City of Chicago vacant building registration requirements affected registrations overall and the income and racial composition of the census tracts in which the properties are located.

October 28, 2015

This study examines the auto title lending industry in Illinois. Auto title loans are a type of high-cost, small-dollar loan. They are similar to payday loans, but are secured by the title to the borrower's automobile. Title lenders operate in 25 states across the country, and each year an estimated two million American consumers take out title loans. This report examines data from two reports on the consumer lending industry released by the Illinois Department of Financial and Professional Regulations (IDFPR) and loan-level data from court records of collection cases filed in Cook County.

June 15, 2015

This study examines women’s access to mortgages in the Chicago six county region to determine whether female mortgage applicants may be disadvantaged in securing financing to either purchase a home or refinance one already owned. This research examines additional factors, beyond the race or ethnicity of the applicant, which may be contributing to the disparities in origination rates. Using HMDA data for the period 2011 to 2013, the research explores three factors that may be correlated with disparities in origination rates for female applicants: 1) the income level of the borrower; 2) the type of loan applied for; and 3) the geographic location of the property within the Chicago region. In addition, we analyzed data from all lenders that reported receiving at least one percent of all applications for the study period to see if there were differences in origination rates among the institutions.

May 11, 2015

This study analyzes the impact of postsecondary institution type and student characteristics on students’ decision whether to borrow and how much to borrow to finance their education. Using data from the National Postsecondary Student Aid Study from the 2011-2012 academic year, the study uses a two-stage regression model in order to estimate the impacts of student and institutional characteristics on the probability that a student would borrow and, for students who borrowed, their student debt burdens. The model controls for a number of financial resources available to students, institution characteristics, and student and family characteristics that could contribute to variations in debt between for-profit, nonprofit, and public colleges, including the total cost of attendance, amount of parental support, expected family contribution, and amount of grants received. 

August 19, 2014

This report examines geographic patterns of access to bank capital for businesses in the Chicago six county region, with a focus on smaller loans and other types of credit, amounts under $1 million, that are more likely to benefit smaller, local businesses that create economic opportunity within neighborhoods. For small neighborhood businesses to grow, they need to be able to access capital, and one common source of capital for small businesses are loans, lines of credit, and business credit cards (collectively, “small loans”) issued by banks and other financial institutions.


August 1, 2014

This report investigated whether large banks provide accurate and full information on overdraft products and services (“overdraft”); whether the information varied based on a person’s race, ethnicity, or gender, or based on neighborhood; and whether the information was provided without undue pressure or steering to costly products.


January 24, 2014
This report examines the extent to which servicers are walking away from foreclosures in Cook County, Illinois, creating zombie properties, and how that practice may vary by the characteristics of the neighborhood in which the property is located.
June 24, 2013
This report documents the information local governments currently collect about vacant buildings and finds the data being collected vary widely among the municipalities, with significant gaps.