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News & Events Data Dialogue: Assessing the Post-Pandemic State of Homeownership

Nov 16, 2023

On June 22, 2023, the JPMorgan Chase Institute & PolicyCenter held a Data Dialogue on Assessing the Post-Pandemic State of Homeownership. June was National Homeownership Month, providing a timely opportunity to discuss how a shortage of homes, high interest rates, the widening racial homeownership gap, and climate threats have created complex challenges for borrowers and lenders alike.

The panel included Tucker Bartlett, Executive Vice President of Self-Help; Janneke Ratcliffe, Vice President for Housing Finance Policy at the Urban Institute; and Lisa Rice, President and CEO of the National Fair Housing Alliance. Carolina Jannicelli, Head of Community Impact at JPMorgan Chase, moderated this discussion.

The speakers discussed a number of trends and challenges pertaining to homeownership, such as disparities in who was able to refinance their mortgage loan at a lower cost, a trend that was examined in-depth in recent Institute research, Measuring the gap: Refinancing trends and disparities during the COVID-19 pandemic.

In addition to shedding light on current issues, the speakers also uplifted potential solutions, such as encouraging lenders to explore alternatives to credit scores, which would make homeownership more accessible for lower-income communities and communities of color. A recent PolicyCenter brief—Advancing Affordable, Sustainable Homeownershipexpands upon these solutions and offers additional insights for ways to promote a more equitable and inclusive housing market.

Watch a recording of the full discussion below.


Panel Speakers

Carolina Jannicelli
Head of Community Impact
JPMorgan Chase


Tucker Bartlett       
Executive Vice President


Janneke Ratcliffe
Vice President       
for Housing Finance Policy
Urban Institute

Lisa Rice       
President and CEO
National Fair Housing Alliance