PCRG's 21st Annual Mortgage Lending StudyResearch and analysis are core PCRG activities. Since its inception in 1988, PCRG has kept the community up to date with the latest trends in local and national lending and financial regulations.

PCRG uses the Community Reinvestment Act (CRA) of 1977 and the Home Mortgage Disclosure Act (HMDA) of 1975 to spur the flow of capital to our region’s communities. By analyzing CRA and HMDA data, PCRG can provide a snapshot of the lending landscape in Allegheny County. This analysis takes form in PCRG’s Annual Mortgage Lending Study which serves as a tool for PCRG members and partners to identify gaps in services, to work collaboratively with local financial institutions, and to create opportunities for new financial products and more equitable lending.

2016 Mortgage Lending Study

Coming soon!

Previous Years’ Mortgage Lending Study

Rue, R. (2015). PCRG’s 21st Annual Mortgage Lending Study. Pittsburgh, PA: Pittsburgh Community Reinvestment Group.

Click below for additional details, charts, and graphs:

You can download a copy of the Press Release here:

Rue, R. (2014). PCRG’s 20th Annual Mortgage Lending Study. Pittsburgh, PA: Pittsburgh Community Reinvestment Group.

Rue, R. & Benitez, D.J. (2013). PCRG’s 19th Annual Mortgage Lending Study (body). Pittsburgh, PA: Pittsburgh Community Reinvestment Group.

Rue, R. & Benitez, D.J. (2013). PCRG’s 19th Annual Mortgage Lending Study (foldout). Pittsburgh, PA: Pittsburgh Community Reinvestment Group.

Benitez, D.J., Davidson B.E. (2012). PCRG’s 18th Annual Mortgage Lending Study. Pittsburgh, PA: Pittsburgh Community Reinvestment Group.

For our reports prior to 2012, please contact Rachel Rue, PCRG’s Research Analyst, at rrue@pcrg.org or (412) 391-6732 ext. 202.

External Research

Publications citing PCRG as a case study are denoted with *.

  • Community Organizing

Squires, G.D. (Ed.). (1992). From redlining to reinvestment: Community responses to urban disinvestmentPhiladelphia, PA: Temple University Press.*

Squires, G.D. (Ed.). (2003). Organizing access to capital: Advocacy and the democratization of financial institutionsPhiladelphia, PA: Temple University Press.*

Watkins, P.M. & Cunningham, J.V. (2003). Organizing for community-controlled development: Renewing civil societyThousand Oaks, CA: Sage Publications.*

  • Community Revitalization

Bright, E.M.B. (2003). Reviving America’s forgotten neighborhoods: An investigation of inner-city revitalization efforts. New York, NY: Routledge.*

Brookings Institution (2003). Back to prosperity: A competitive agenda for renewing Pennsylvania. Washington, DC: Brookings Press.

Imbroscio, D.L. (1997). Reconstructing city politics: Alternative economic development and urban regimesThousand Oaks, CA: Sage Publications.*

The Reinvestment Fund. Policy publications.

  • Predatory Lending

Lord, R. (2008). American nightmare: Predatory lending and the foreclosure of the American dream. Monroe, ME: Common Courage Press.*

  • Vacant Property Recycling

Mallach, A. (2006). Bringing buildings back: From abandoned properties to community assets: A guidebook for policymakers and practitioners. Montclair, NJ: National Housing Institute.*

National Vacant Properties Campaign. Partner reports.

  • Other

Lubove, R. (1996). Twentieth-century Pittsburgh: The post-steel era. Pittsburgh, PA: University of Pittsburgh Press.*

National Community Reinvestment Coalition. (2008). Income is no shield against racial differences in lending II: A comparison of high-cost lending in America’s metropolitan and rural areas. Washington, DC: National Community Reinvestment Coalition.

(Sept. 11 2008) Federal Reserve Bulletin for 2007 HMDA Data  available here.

(May 30, 2008) FFEIC’s list of 2008 Distressed or Underserved Nonmetropolitan Middle-Income Geographies downloadable documents available here.

(August 8, 2008) Minority homeowners continue to shoulder a disproportionate share of poorly underwritten high cost loans according to a new study just released by the National Community Investment Network (NCRC) and now posted on the CIN.

Did you know? 

Did you know that PCRG members and bank partners have access to our research department? If you have a research question, you can contact PCRG’s Research Analyst, Alix Levy, at alevy@pcrg.org or (412) 391-6732 ext. 202. As a PCRG member, your organization can request a neighborhood data consultation, and our research team can walk you through some key data sets that you can use to write grants and obtain funding! Find out more about becoming a PCRG member here.