{"id":260176,"date":"2025-08-26T15:33:17","date_gmt":"2025-08-26T19:33:17","guid":{"rendered":"https:\/\/ncrc.org\/?p=260176"},"modified":"2025-08-26T16:54:00","modified_gmt":"2025-08-26T20:54:00","slug":"nashvilles-unified-housing-strategy-addressing-housing-accessibility-in-americas-most-gentrified-city","status":"publish","type":"post","link":"https:\/\/ncrc.org\/nashvilles-unified-housing-strategy-addressing-housing-accessibility-in-americas-most-gentrified-city\/","title":{"rendered":"Nashville\u2019s Unified Housing Strategy: Addressing Housing Accessibility in America\u2019s Most Gentrified City"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"260176\" class=\"elementor elementor-260176\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9e70d28 elementor-section-height-min-height elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"9e70d28\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;b77f70d&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-86386e2\" data-id=\"86386e2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e265a0 elementor-widget elementor-widget-heading\" data-id=\"1e265a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Nashville\u2019s Unified Housing Strategy:<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d9e1be elementor-widget elementor-widget-heading\" data-id=\"6d9e1be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Addressing Housing Accessibility in America\u2019s Most Gentrified City<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f4a3a1 elementor-widget elementor-widget-text-editor\" data-id=\"7f4a3a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>August 2025<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c830523 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"c830523\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;703c909&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d9f731\" data-id=\"1d9f731\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-93297f6 elementor-widget elementor-widget-text-editor\" data-id=\"93297f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Photo: <a href=\"https:\/\/www.flickr.com\/photos\/tonygonzalez\/\" target=\"_blank\" rel=\"noopener\">Tony Gonzalez<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3813635 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3813635\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;63680be&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-99be109\" data-id=\"99be109\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f825b65 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f825b65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Doff_canvas%3Aopen%26settings%3DeyJpZCI6IjFiOTg2NzciLCJkaXNwbGF5TW9kZSI6Im9wZW4ifQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download Report<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b98677 elementor-widget elementor-widget-off-canvas\" data-id=\"1b98677\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;entrance_animation&quot;:&quot;slideInDown&quot;,&quot;exit_animation&quot;:&quot;slideInDown&quot;}\" data-widget_type=\"off-canvas.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div id=\"off-canvas-1b98677\" class=\"e-off-canvas\" role=\"dialog\" aria-hidden=\"true\" aria-label=\"Off-Canvas\" aria-modal=\"true\" inert=\"\" data-delay-child-handlers=\"true\">\n\t\t\t<div class=\"e-off-canvas__overlay\"><\/div>\n\t\t\t<div class=\"e-off-canvas__main\">\n\t\t\t\t<div class=\"e-off-canvas__content\">\n\t\t\t\t\t<div class=\"elementor-element elementor-element-eee3b6d e-con-full e-flex e-con e-child\" data-id=\"eee3b6d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4bef137 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"4bef137\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"#elementor-action%3Aaction%3Doff_canvas%3Aclose%26settings%3DeyJpZCI6IjFiOTg2NzciLCJkaXNwbGF5TW9kZSI6ImNsb3NlIn0%3D\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3632212 e-con-full e-flex e-con e-child\" data-id=\"3632212\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1829c8c elementor-widget elementor-widget-heading\" data-id=\"1829c8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Nashville\u2019s Unified Housing Strategy<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f456c0 elementor-widget elementor-widget-text-editor\" data-id=\"2f456c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tComplete the form to download <br>the full report:<\/br>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dd6195 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"9dd6195\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\" aria-label=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"260176\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"9dd6195\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Nashville\u2019s Unified Housing Strategy: Addressing Housing Accessibility in America\u2019s Most Gentrified City &raquo; NCRC\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"260176\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_d274b14 elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_d274b14]\" id=\"form-field-field_d274b14\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"First Name\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_37dc9cf elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_37dc9cf]\" id=\"form-field-field_37dc9cf\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Last Name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_31e3e7e elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_31e3e7e]\" id=\"form-field-field_31e3e7e\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Organization\/Company Name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_5e53299 elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_5e53299]\" id=\"form-field-field_5e53299\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Zip Code\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-field_6521488 elementor-col-100\">\n\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[field_6521488]\" id=\"form-field-field_6521488\" class=\"elementor-field elementor-size-sm  elementor-acceptance-field\" checked=\"checked\">\n\t\t\t\t<label for=\"form-field-field_6521488\">Yes, send me updates by email about NCRC research, events and news.<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download Now<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f48c2b elementor-widget elementor-widget-text-editor\" data-id=\"9f48c2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\"><b>Jason Richardson, <\/b><i>Senior Director, Research<br \/><\/i><b>Joseph Dean, <\/b><i>Racial Economic Junior Research Specialist<br \/><\/i><strong><span lang=\"EN\">Greg Wilson, <\/span><\/strong><i><span lang=\"EN\">Senior Organizer<\/span><br \/><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea9818 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3ea9818\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39dc998 elementor-widget elementor-widget-spacer\" data-id=\"39dc998\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f122d9 elementor-widget elementor-widget-heading\" data-id=\"6f122d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key Takeaways<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-afc4530 e-grid e-con-boxed e-con e-parent\" data-id=\"afc4530\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-65b3de4 e-con-full e-flex e-con e-child\" data-id=\"65b3de4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-225c3ab e-con-full e-flex e-con e-child\" data-id=\"225c3ab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e08ebda elementor-widget elementor-widget-heading\" data-id=\"e08ebda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b9f1d4f e-con-full e-flex e-con e-child\" data-id=\"b9f1d4f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6ba75d elementor-widget elementor-widget-text-editor\" data-id=\"b6ba75d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Nashville is the most intensely gentrifying city in the nation as average homebuying costs have doubled since 2018, revealing the systematic exclusion of lower-income families from homeownership.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ddcded e-con-full e-flex e-con e-child\" data-id=\"5ddcded\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf5114c elementor-widget elementor-widget-heading\" data-id=\"bf5114c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0cfbf21 e-con-full e-flex e-con e-child\" data-id=\"0cfbf21\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-509b1dc elementor-widget elementor-widget-text-editor\" data-id=\"509b1dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Closing cost disparities have worsened dramatically, with Black borrowers paying $3,364 more than White borrowers in 2024, directly undermining Nashville&#8217;s Unified Housing Strategy (UHS) equity goals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b09b67 e-con-full e-flex e-con e-child\" data-id=\"7b09b67\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0fa3fc3 elementor-widget elementor-widget-heading\" data-id=\"0fa3fc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cfd6734 e-con-full e-flex e-con e-child\" data-id=\"cfd6734\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0924e6 elementor-widget elementor-widget-text-editor\" data-id=\"f0924e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Local banks outperformed national institutions in community lending, led by Pinnacle Bank&#8217;s exceptional 54.4% low-moderate income lending rate. Wider-reaching institutions should do more to provide equitable service to the Nashville area housing market.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fb775fe e-con-full e-flex e-con e-child\" data-id=\"fb775fe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f58ecbf elementor-widget elementor-widget-heading\" data-id=\"f58ecbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8e20bd1 e-con-full e-flex e-con e-child\" data-id=\"8e20bd1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1605f6d elementor-widget elementor-widget-text-editor\" data-id=\"1605f6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Fifth Third Bank&#8217;s $20 million North Nashville investment goal demonstrates their commitment to the community, but the 21.2% of their mortgage lending that goes to low- and moderate-income borrowers (LMIB) slightly lags behind the market average of 23.5% LMIB lending, showing the need to pair development investments with improved daily lending equity efforts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61934ef e-con-full e-flex e-con e-child\" data-id=\"61934ef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd63f03 elementor-widget elementor-widget-heading\" data-id=\"cd63f03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a7dea1 e-con-full e-flex e-con e-child\" data-id=\"7a7dea1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca7520f elementor-widget elementor-widget-text-editor\" data-id=\"ca7520f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\"><span lang=\"EN\">\u00a0<\/span><span lang=\"EN\">Regional displacement affects all 14 counties in the Nashville area, with Davidson County experiencing a 19.9% lending decline despite having a 20.9% population growth rate between 2010-2020.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-91f3144 e-con-full e-flex e-con e-child\" data-id=\"91f3144\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cfd5c2f elementor-widget elementor-widget-heading\" data-id=\"cfd5c2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eeaa2e6 e-con-full e-flex e-con e-child\" data-id=\"eeaa2e6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20a55e0 elementor-widget elementor-widget-text-editor\" data-id=\"20a55e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Rural counties became repositories for displaced families, with 70.1% of loans in rural Tennessee being made in Low- and Moderate-Income Census Tracts (LMICT).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-286a3bb e-con-full e-flex e-con e-child\" data-id=\"286a3bb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b3be09 elementor-widget elementor-widget-heading\" data-id=\"0b3be09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39d8bc3 e-con-full e-flex e-con e-child\" data-id=\"39d8bc3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-833d056 elementor-widget elementor-widget-text-editor\" data-id=\"833d056\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Income screening has replaced income growth, with families effectively excluded from mortgage lending if they make less than $134,000 a year, requiring immediate UHS intervention.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a47290b e-con-full e-flex e-con e-child\" data-id=\"a47290b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab77cae elementor-widget elementor-widget-heading\" data-id=\"ab77cae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">8<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-496ec68 e-con-full e-flex e-con e-child\" data-id=\"496ec68\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb44e61 elementor-widget elementor-widget-text-editor\" data-id=\"eb44e61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">The region&#8217;s rental crisis compounds existing homeownership barriers, with 128,488 renters spending more than 30% of their incomes in rent, creating an urgent need for coordinated mortgage lending reform if these cost-burdened renter households are ever to become homeowners.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-d992646 e-con-full e-flex e-con e-parent\" data-id=\"d992646\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-69ac972 e-con-full e-flex e-con e-child\" data-id=\"69ac972\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20687f5 elementor-widget elementor-widget-menu-anchor\" data-id=\"20687f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Summary\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e9fc848 e-con-full e-flex e-con e-child\" data-id=\"e9fc848\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;triangle&quot;,&quot;shape_divider_bottom_negative&quot;:&quot;yes&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"true\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M500.2,94.7L0,0v100h1000V0L500.2,94.7z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fb2457 elementor-widget elementor-widget-heading\" data-id=\"8fb2457\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Executive Summary<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c1856a elementor-widget elementor-widget-text-editor\" data-id=\"4c1856a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">This report provides critical context for implementing Nashville&#8217;s newly released Unified Housing Strategy (UHS). Nashville ranked as the most gentrified city in the United States during the 2010s, as NCRC revealed in our recent report<a href=\"https:\/\/ncrc.org\/displaced-by-design\/\">\u00a0<\/a>&#8220;<a href=\"https:\/\/ncrc.org\/displaced-by-design\/\">Displaced by Design<\/a>,&#8221; making the UHS and equitable mortgage lending programs and initiatives essential for the community\u2019s survival and realizing economic justice in the city writ large. This follow-up analysis examines mortgage lending patterns in the Nashville-Davidson-Murfreesboro-Franklin, TN Core-Based Statistical Area (the Nashville CBSA) from 2018 through 2024 to zero in on what local patterns may underlie Nashville\u2019s unenviable ranking atop the gentrification list and how local actors might tailor the new initiative to mitigate that pattern.<\/p><p style=\"font-weight: 400;\">The UHS builds on the foundation established by former Mayor John Cooper&#8217;s<a href=\"https:\/\/www.nashville.gov\/sites\/default\/files\/2021-06\/Affordable-Housing-Task-Force-Report-2021.pdf\" target=\"_blank\" rel=\"noopener\">\u00a0<\/a><a href=\"https:\/\/www.nashville.gov\/sites\/default\/files\/2021-06\/Affordable-Housing-Task-Force-Report-2021.pdf\" target=\"_blank\" rel=\"noopener\">2021 Affordable Housing Task Force Report<\/a>, which documented Nashville&#8217;s severe housing crisis. It found that 44% of renters were cost-burdened and projected the city would require 52,498 new affordable units by 2030. While the 2021 report focused primarily on rental affordability and subsidized housing production, this mortgage lending analysis addresses a critical gap in the conversation by examining how banking practices and homeownership barriers have further compounded the rental crisis identified in that foundational work.<\/p><p style=\"font-weight: 400;\">The Nashville metro area experienced a substantial population surge of over 20% between the 2010-2020 period while also facing a severe housing affordability crisis. The region is growing more diverse, with the metro\u2019s Hispanic population increasing by 78% over the past decade.<\/p><p style=\"font-weight: 400;\">Mayor Freddie O&#8217;Connell released\u00a0<a href=\"https:\/\/www.nashville.gov\/departments\/planning\/housing-division\/unified-housing-strategy\" target=\"_blank\" rel=\"noopener\">Nashville&#8217;s first Unified Housing Strategy<\/a>\u00a0in April 2025. It calls on &#8220;all Nashvillians \u2013 residents, employers, developers, financial institutions, philanthropists, Faith communities and community leaders \u2013 to join together and play an active role in implementing housing solutions for our city.&#8221;<\/p><p style=\"font-weight: 400;\">The UHS emphasizes coalition-building to address Nashville\u2019s housing crisis, as the city\u2019s press release announcing the UHS made clear.<\/p><p style=\"font-weight: 400;\">\u201cThe Community Foundation of Middle Tennessee [CFMT] is excited to lean in with our Metro partners to create a true community coalition united by a shared determination to make an impact on this issue that is foundational to our well-being as a community,\u201d said CFMT&#8217;s CEO Hal Cato, in the release.<\/p><p style=\"font-weight: 400;\">The diverse coalition of stakeholders envisioned in the UHS will include financial institutions themselves. This analysis will hopefully benefit the whole coalition by Illustrating how banks and lenders are currently serving Nashville&#8217;s diverse communities.<\/p><p style=\"font-weight: 400;\">The local mortgage market experienced dramatic changes from 2018 to 2024, with steady growth through 2021 giving way to a significant market contraction during the 2022-2023 period, which has shifted into a modest recovery in 2024 data.<\/p><p style=\"font-weight: 400;\">Understanding these patterns is crucial for UHS\u2019 success. Mortgage lending practices will determine whether the strategy achieves its goal of housing security for all Nashvillians or whether financial barriers will continue to exclude working families from homeownership.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6a46e7 elementor-widget elementor-widget-menu-anchor\" data-id=\"b6a46e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Regional\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eaeb5c elementor-widget elementor-widget-heading\" data-id=\"7eaeb5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Regional Context and Demographics<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bad98c elementor-widget elementor-widget-text-editor\" data-id=\"9bad98c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Population Growth and Housing Pressure<\/strong><\/p><p style=\"font-weight: 400;\">The Nashville metropolitan area experienced unprecedented population growth over the past decade, with more than one in five new residents moving to the region between 2010 and 2020. This growth surge wasn&#8217;t limited to Davidson County as surrounding counties like Williamson, Rutherford and Wilson saw even more dramatic population increases, with some counties\u2019 populations increasing by one-third. The widespread nature of this growth distributed housing pressure across the entire 14-county metropolitan region, validating the UHS\u2019 regional approach.<\/p><p style=\"font-weight: 400;\">The region also became significantly more diverse during this transformative decade. The Hispanic population nearly doubled in size, while Asian populations grew by two-thirds. These demographic changes occurred at the same time as the housing affordability crisis began to intensify, creating compounding challenges for communities of color seeking homeownership opportunities in the region.<\/p><p style=\"font-weight: 400;\">The UHS anticipates continued growth of approximately 175,000 new residents by 2034, requiring about 90,000 additional housing units in Davidson County alone.<a href=\"https:\/\/www.nashville.gov\/sites\/default\/files\/2025-04\/UHS-Appendix-B.pdf?ct=1745944839\" target=\"_blank\" rel=\"noopener\">\u00a0<\/a><a href=\"https:\/\/www.nashville.gov\/sites\/default\/files\/2025-04\/UHS-Appendix-B.pdf?ct=1745944839\" target=\"_blank\" rel=\"noopener\">Roughly half of these new units<\/a>\u00a0will need to serve aspiring homeowners, making mortgage lending accessibility critical to accommodating the region\u2019s future population growth.<\/p><p><strong>Income Distribution and Geographic Inequality<\/strong><\/p><p style=\"font-weight: 400;\">Household income distribution across the region reveals stark geographic disparities that mortgage lending patterns both reflect and reinforce. Family incomes vary greatly across Metro Nashville\u2019s counties, with median earnings ranging from $56,269 to $131,202. Williamson County leads the region with 43.4% of households earning $150,000 or more, while in neighboring Davidson County only 19.9% of households are at this income level. Rural counties have significantly lower median household incomes, with 9.1% of Cannon County residents earning above $150,000.<\/p><p style=\"font-weight: 400;\">In the maps below, we show how home purchase lending is distributed across the core counties of Metro Nashville compared with the average census tract incomes and the percent of minority residents:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a925ad elementor-widget elementor-widget-image\" data-id=\"9a925ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"924\" src=\"https:\/\/www.ncrc.org\/wp-content\/uploads\/2025\/08\/Nashville_HMDA_Income-v2-1024x924.jpg\" class=\"attachment-large size-large wp-image-260183\" alt=\"Nashville Income Level\" srcset=\"https:\/\/www.ncrc.org\/wp-content\/uploads\/2025\/08\/Nashville_HMDA_Income-v2-1024x924.jpg 1024w, https:\/\/www.ncrc.org\/wp-content\/uploads\/2025\/08\/Nashville_HMDA_Income-v2-300x271.jpg 300w, https:\/\/www.ncrc.org\/wp-content\/uploads\/2025\/08\/Nashville_HMDA_Income-v2-768x693.jpg 768w, https:\/\/www.ncrc.org\/wp-content\/uploads\/2025\/08\/Nashville_HMDA_Income-v2.jpg 1500w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be292be elementor-widget elementor-widget-image\" data-id=\"be292be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"924\" src=\"https:\/\/www.ncrc.org\/wp-content\/uploads\/2025\/08\/Nashville_HMDA_Minority-v2-1024x924.jpg\" class=\"attachment-large size-large wp-image-260184\" alt=\"\" srcset=\"https:\/\/www.ncrc.org\/wp-content\/uploads\/2025\/08\/Nashville_HMDA_Minority-v2-1024x924.jpg 1024w, https:\/\/www.ncrc.org\/wp-content\/uploads\/2025\/08\/Nashville_HMDA_Minority-v2-300x271.jpg 300w, https:\/\/www.ncrc.org\/wp-content\/uploads\/2025\/08\/Nashville_HMDA_Minority-v2-768x693.jpg 768w, https:\/\/www.ncrc.org\/wp-content\/uploads\/2025\/08\/Nashville_HMDA_Minority-v2.jpg 1500w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1271f9d elementor-widget elementor-widget-text-editor\" data-id=\"1271f9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">This pattern confirms the pressures of gentrification on buyers as they seek homes in LMI and majority-minority census tracts despite many lenders reporting low levels of lending to LMI or non-White people.<\/p><p style=\"font-weight: 400;\">These geographic income inequalities created a foundation for the displacement pressures documented in the mortgage lending data. Families unable to afford homeownership in majority high-income counties face pressure to move to more affordable rural areas or become part of the 34.6% of households that rent their homes, often becoming cost-burdened in the process.<\/p><p><strong>Rental Market Crisis<\/strong><\/p><p style=\"font-weight: 400;\">Understanding the region&#8217;s rental housing crisis provides the necessary context for understanding the persisting mortgage lending barriers communities face. With 275,233 households renting their homes, the rental market spans from studio apartments representing 30.4% of rental units to larger family accommodations. However, 128,488 renters are cost-burdened, with 24.9% earning less than $20,000 annually, demonstrating how rental costs prevent families from saving for mortgage down payments.<\/p><p style=\"font-weight: 400;\">The geographic distribution of rental\u00a0units\u00a0mirrors mortgage lending access patterns across the region. Davidson County has 142,532 rental units with 37.2% being studio or one-bedroom apartments, reflecting both its urban density and the reality that families are squeezing into smaller spaces due to affordability constraints. In contrast, rural counties often have higher levels of larger rental units, like Smith County with 49.2% of rentals consisting of three or more bedrooms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b7f1ee elementor-widget elementor-widget-menu-anchor\" data-id=\"8b7f1ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Mortgage\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44b8ab1 elementor-widget elementor-widget-heading\" data-id=\"44b8ab1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mortgage Lending Trends and Barriers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5c462a elementor-widget elementor-widget-text-editor\" data-id=\"b5c462a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Market Volatility and Access Patterns<\/strong><\/p><p>The Metro Nashville mortgage market underwent significant volatility during the analysis period, peaking at 31,875 loans in 2021 before contracting to 21,756 loans in 2023. This dramatic market contraction occurred during the region&#8217;s population boom, creating a mismatch between housing demand and credit access that exacerbated the affordability crisis the UHS aims to address. Data on home purchase loans specifically shows the impact of surging prices from 2018 to 2024, as loan amounts and incomes have skyrocketed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac46ca5 elementor-widget elementor-widget-menu-anchor\" data-id=\"ac46ca5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Fig01\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae87bef elementor-widget elementor-widget-html\" data-id=\"ae87bef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe title=\"Home Purchase Lending\" aria-label=\"Table\" id=\"datawrapper-chart-rbIKn\" src=\"https:\/\/datawrapper.dwcdn.net\/rbIKn\/2\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"444\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r,i=0;r=e[i];i++)if(r.contentWindow===a.source){var d=a.data[\"datawrapper-height\"][t]+\"px\";r.style.height=d}}})}();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df321a3 elementor-widget elementor-widget-text-editor\" data-id=\"df321a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The 59% increase in average loan amounts since 2018 reflects both rising property values and the exclusion of lower-income families from the market. Most concerning, closing costs more than doubled (from $4,796 to $11,141), creating substantial upfront barriers that prevent families from accessing homeownership even when they can afford the monthly payments.<\/p><p><strong>Demographic Access and Exclusion<\/strong><\/p><p>Mortgage lending access patterns reveal how different communities navigated the region\u2019s volatile market conditions. While non-Hispanic White and Black borrowers both reported receiving fewer loans, Hispanic and Asian home purchases have both increased dramatically.\u00a0 The chart below tracks the shifting home purchase lending by race:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1ee176 elementor-widget elementor-widget-menu-anchor\" data-id=\"c1ee176\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Fig02\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b76c79 elementor-widget elementor-widget-html\" data-id=\"6b76c79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe title=\"Home Purchase Lending by Race\" aria-label=\"Table\" id=\"datawrapper-chart-UjR6G\" src=\"https:\/\/datawrapper.dwcdn.net\/UjR6G\/5\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"316\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r,i=0;r=e[i];i++)if(r.contentWindow===a.source){var d=a.data[\"datawrapper-height\"][t]+\"px\";r.style.height=d}}})}();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51f6591 elementor-widget elementor-widget-text-editor\" data-id=\"51f6591\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Table 2. <\/strong>Total population changes by race\/ethnicity nationally in gentrifying and non-gentrifying neighborhoods. (Source: Calculation of central city census tracts via <a href=\"https:\/\/s4.ad.brown.edu\/projects\/diversity\/Researcher\/LTBDDload\/DataList.aspx\" target=\"_blank\" rel=\"noopener\">Brown University\u2019s Longitudinal Tract Database<\/a> (LTDB) population data)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25ea9be elementor-widget elementor-widget-text-editor\" data-id=\"25ea9be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This pattern mirrors the national trends as well. In 2024, Hispanic adults accounted for about 16.8% of all Americans and <a href=\"https:\/\/ncrc.org\/mortgage-market-report-series-part-2-lending-trends-by-borrower-and-neighborhood-characteristics\/?_ppp=3189950320\">17.7% of homebuyers<\/a>. Meanwhile, 7% of the adult population are Asian and they received 9.4% of home purchase loans in 2024.<\/p><p>The 73.7% increase in Hispanic borrowers demonstrates that progress is being made in expanding housing access to this particular community. This corresponds with the Hispanic community&#8217;s 78.2% regional population growth. However, this progress is being undermined by persistent income gaps and closing cost disparities that create systematic financial barriers for communities of color.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-924d156 elementor-widget elementor-widget-menu-anchor\" data-id=\"924d156\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Closing\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a631e1a elementor-widget elementor-widget-heading\" data-id=\"a631e1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Closing Cost Disparities Undermining UHS Goals<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-925bf49 elementor-widget elementor-widget-text-editor\" data-id=\"925bf49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Worsening Cost Barriers<\/strong><\/p><p>The most alarming trend in the data is the rise in closing cost disparities between demographic groups. Closing costs are often the biggest barrier that a first time homebuyer must overcome. Their enormous increases signal greater pressure than ever on families that want to become homeowners:<\/p><p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b135100 elementor-widget elementor-widget-menu-anchor\" data-id=\"b135100\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Fig03\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbb8f0d elementor-widget elementor-widget-html\" data-id=\"bbb8f0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe title=\"Home Purchase Closing Costs by Race\" aria-label=\"Table\" id=\"datawrapper-chart-UqHYq\" src=\"https:\/\/datawrapper.dwcdn.net\/UqHYq\/3\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"261\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r,i=0;r=e[i];i++)if(r.contentWindow===a.source){var d=a.data[\"datawrapper-height\"][t]+\"px\";r.style.height=d}}})}();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f48bad elementor-widget elementor-widget-text-editor\" data-id=\"2f48bad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The $3,364 gap in closing costs for Black and White borrowers represents a 146% increase from the 2018 gap of $1,365. For a Black family earning $134,121, this additional cost represents 2.5% of their annual income \u2013 money that could otherwise support down payment savings or emergency reserves.<\/p><p>These disparities directly undermine the UHS\u2019 goal to &#8220;increase access to housing for all protected classes by addressing long-standing housing inequities. When combined with the rental market crisis, where 24.9% of cost-burdened renters earn less than $20,000 annually, these upfront barriers effectively lock families out of homeownership pathways.<\/p><p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01221bd elementor-widget elementor-widget-menu-anchor\" data-id=\"01221bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Geographic\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d548e9 elementor-widget elementor-widget-heading\" data-id=\"2d548e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Geographic Displacement Patterns<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da9e721 elementor-widget elementor-widget-text-editor\" data-id=\"da9e721\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>County-Level Analysis<\/strong><\/p><p>County-level mortgage lending patterns confirm the UHS\u2019 focus on regional coordination by revealing displacement pressures affecting all 14 counties. Population increases in the Nashville area have not translated into more equitable owner-occupied home purchase lending outcomes, as illustrated in the chart below.<\/p><p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f7e183 elementor-widget elementor-widget-menu-anchor\" data-id=\"6f7e183\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Fig04\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-963cf1b elementor-widget elementor-widget-html\" data-id=\"963cf1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe title=\"Home Purchase Lending by County\" aria-label=\"Table\" id=\"datawrapper-chart-i04sn\" src=\"https:\/\/datawrapper.dwcdn.net\/i04sn\/4\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"316\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r,i=0;r=e[i];i++)if(r.contentWindow===a.source){var d=a.data[\"datawrapper-height\"][t]+\"px\";r.style.height=d}}})}();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83ea00f elementor-widget elementor-widget-text-editor\" data-id=\"83ea00f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The contrast between population growth and the ongoing lending decline in Davidson County demonstrates continuing displacement pressures. The even more striking figures for Williamson County, where the decline in lending and rise in population each exceeded 35%, suggesting that cash purchases are increasing and moderate-income families are being excluded from borrowing. More than 70% of mortgage loans in rural counties were made in low- and moderate-income census tracts, indicating these communities are effectively serving as destinations for families priced out of urban and suburban markets.<\/p><p>These patterns coincide with the UHS\u2019 regional approach and also highlight the urgency of implementing distinct, place-tailored action mechanisms in coordinated fashion through the coalitions the UHS will convene. Without intervention, current trends will continue pushing working families into rural counties with limited employment opportunities and less transportation access, while urban cores become increasingly exclusive.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f1d465 elementor-widget elementor-widget-menu-anchor\" data-id=\"5f1d465\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Financial\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a08845 elementor-widget elementor-widget-heading\" data-id=\"1a08845\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Institution Performance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3950d96 elementor-widget elementor-widget-text-editor\" data-id=\"3950d96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Local versus National Bank Performance<\/strong><\/p><p>The analysis of bank performance reveals significant variations in community lending across banking institutions, with local institutions consistently outperforming national banks. While Pinnacle Bank demonstrated a high level of home lending to low- to moderate-income borrowers, several other major area lenders fell short. This chart of the ten banks that made the most home purchase loans in the Metro Nashville area in 2024 reveals different patterns of lending with some lenders excelling at making home purchase loans to specific borrowers or communities far more than other banks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-966781f elementor-widget elementor-widget-menu-anchor\" data-id=\"966781f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Fig05\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed53db5 elementor-widget elementor-widget-html\" data-id=\"ed53db5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe title=\"2024 Home Purchase Lending\" aria-label=\"Table\" id=\"datawrapper-chart-UOLUK\" src=\"https:\/\/datawrapper.dwcdn.net\/UOLUK\/3\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"561\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r,i=0;r=e[i];i++)if(r.contentWindow===a.source){var d=a.data[\"datawrapper-height\"][t]+\"px\";r.style.height=d}}})}();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30b7893 elementor-widget elementor-widget-text-editor\" data-id=\"30b7893\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pinnacle Bank&#8217;s 54.4% low- to moderate-income lending rate demonstrates that equitable lending is achievable at scale, providing a benchmark for UHS\u2019 future partnerships with financial institutions. Nashville-based Pinnacle Bank recently announced their\u00a0<a href=\"https:\/\/nashvillebanner.com\/2025\/07\/25\/pinnacle-synovus-merger-deal\/\" target=\"_blank\" rel=\"noopener\">intention to merge with Synovus bank<\/a>. The merger with Synovus is an opportunity for Nashville to engage with Pinnacle Bank towards ensuring this equitable pattern of lending continues.<\/p><p><strong>Community Investment Opportunities<\/strong><\/p><p>Fifth Third Bank&#8217;s June 2025 announcement of a <a href=\"https:\/\/www.53.com\/content\/fifth-third\/en\/media-center\/press-releases\/2025\/press-release-2025-06-20.html\" target=\"_blank\" rel=\"noopener\">$20 million investment in North Nashville<\/a> represents the type of financial institution leadership the UHS hopes to see become more widespread throughout the area.<\/p><p>The local relationships that philanthropic commitment fosters should also help Fifth Third to strengthen their mortgage lending to disadvantaged borrowers, which slightly lags behind the local market average of 23.5%. The bank\u2019s 21.2% LMIB mortgage lending share in Nashville showcases an opportunity to further align their community development investments with their role in expanding homeownership opportunities.<\/p><p>Nashville stakeholders could create a model for enhanced accountability where banks making high-profile community investments regularly demonstrate improvement in CRA lending metrics within 12-18 months, ensuring comprehensive community investment outcomes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31ae587 elementor-widget elementor-widget-menu-anchor\" data-id=\"31ae587\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Policy\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd3a062 elementor-widget elementor-widget-heading\" data-id=\"cd3a062\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Policy Recommendations for UHS Implementation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f0c63c elementor-widget elementor-widget-text-editor\" data-id=\"0f0c63c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Financial Institution Partnership Framework<\/strong><\/p><p>To more effectively achieve UHS\u2019 goals, certain accountability mechanisms should be established that are unique to the local context:<\/p><ol><li><strong><u>Performance Standards<\/u>:<\/strong> Banks participating in the UHS program implementation process must meet specific lending targets for low- to moderate-income borrowers and communities of color, with Pinnacle Bank&#8217;s 54.4% LMIB performance being utilized as a benchmark.<\/li><li><strong><u>Closing Cost Equity Requirements<\/u>:<\/strong> Eliminate the maximum number of allowable disparities in closing costs across demographic groups along with penalties for systematic discrimination that prevents families from accessing homeownership.<\/li><li><strong><u>Community Investment Integration<\/u>:<\/strong> Banks should make community development investments that demonstrate corresponding improvements in daily lending equity, with the Fifth Third Bank model being used as a possible benchmark in addition to enhanced performance requirements.<\/li><\/ol><p><strong>Regional Coordination Mechanisms<\/strong><\/p><p>The following recommendations could better assist key regional stakeholders, such as the Greater Nashville Regional Council, to leverage county-level data towards more effective UHS regional coordination:<\/p><ol><li><strong><u>Multi-County Housing Trust Fund<\/u>:<\/strong> Pool resources across all 14 counties to address displacement pressures affecting the entire region by way of funding provided through Community Reinvestment Act obligations and community benefits agreements.<\/li><li><strong><u>Growth Management Coordination<\/u>:<\/strong> Balance development across counties to reduce concentration pressures that force 128,488 renters to become cost-burdened when seeking homeownership alternatives to urban and suburban corridors.<\/li><li><strong><u>Invest in Transportation and Infrastructure<\/u>:<\/strong> Ensure families displaced to rural counties maintain access to urban employment opportunities recognizing that 70.1% of rural lending serves low- to moderate-income census tracts.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3426605 elementor-widget elementor-widget-menu-anchor\" data-id=\"3426605\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Measuring\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ecb911 elementor-widget elementor-widget-heading\" data-id=\"5ecb911\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Measuring UHS Success<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eebdae8 elementor-widget elementor-widget-text-editor\" data-id=\"eebdae8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Establishing Accountability Through Data-Driven Measurement<\/strong><\/p><p>Nashville&#8217;s Unified Housing Strategy will only succeed if measurable progress occurs in making housing more accessible for all residents. The UHS requires a measurement framework that captures both access barriers and systemic lending patterns that undermine equitable housing outcomes.<\/p><p>The housing crisis in Nashville stems from interconnected factors: rising costs, discriminatory lending practices and geographic displacement patterns that concentrate affordable housing in areas with limited economic opportunity. To address these problems effectively, tracking the right indicators and holding all stakeholders accountable for real change is essential.<\/p><p><strong>Key Housing Barriers to Track<\/strong><\/p><p>The suggested success measurements below focus on the barriers that prevent families from accessing homeownership and the lending patterns that either help or harm different communities. These indicators will determine whether Nashville becomes more inclusive or whether existing problems persist under new policy frameworks.<\/p><p><strong>Financial Obstacles Preventing Equal Access<\/strong>:<\/p><ul><li>Black families pay $3,364 more in closing costs than White families, with this additional cost creating substantial barriers to homeownership even when families can afford monthly payments.<\/li><li>Families earning less than $119,029 are largely excluded from homeownership. This income threshold demonstrates how expensive Nashville&#8217;s housing market has become.<\/li><li>Rural counties account for 70.1% of lending to lower-income areas while wealthy suburbs only account for 2.1%. Families priced out of expensive areas face displacement to locations further away from employment centers.<\/li><\/ul><p><strong>Lending Volume and Demographic Participation<\/strong>:<\/p><ul><li>Only 26,725 families received home loans in 2024 (only 1.3% of all households in the region), demonstrating the limited scale of homeownership opportunities relative to the regional population.<\/li><li>Hispanic families received 10.5% of loans, Black families received 8.2% and Asian families received 5.8%. These percentages are an accurate indicator for whether lending patterns reflect the region\u2019s demographic diversity.<\/li><li>Only 23.5% of all loans served low- to moderate-income families, showing that most lending serves higher-income households.<\/li><\/ul><p><strong>Five-Year UHS Success Targets <\/strong><\/p><p>The following success targets represent achievable improvements that families will experience directly. Each goal includes specific deadlines and accountability mechanisms to ensure the UHS delivers concrete benefits rather than purely aspirational statements:<\/p><ul><li>Reduce closing cost gaps by 50% to eliminate systematic financial barriers for historically underrepresented communities.<\/li><li>Increase low- to moderate-income lending to 30% for all financial institutions.<\/li><li>Achieve proportional demographic representation in lending reflecting regional population trends.<\/li><li>Reduce cost-burdened renters from 128,488 to under 100,000 through improved homeownership access efforts.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bccd323 elementor-widget elementor-widget-menu-anchor\" data-id=\"bccd323\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Conclusion\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc1998f elementor-widget elementor-widget-heading\" data-id=\"dc1998f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05dd1bc elementor-widget elementor-widget-text-editor\" data-id=\"05dd1bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This Nashville CBSA mortgage lending analysis confirms the need for UHS\u2019 regional approach while highlighting the specific barriers that must be addressed to fully realize the strategy\u2019s ultimate success. The combination of explosive population growth (20.9% during the 2010-2020 period), demographic diversification and persistent lending disparities creates both urgent challenges and clear opportunities for intervention.<\/p><p>Fifth Third Bank&#8217;s $20 million North Nashville investment demonstrates promising community commitments from financial institutions, but it should be paired with improved day-to-day lending equity to create a comprehensive model for financial institution partnerships with communities. The strong performance of institutions like Pinnacle Bank shows that equitable lending is achievable at scale and provides useful benchmarks for UHS\u2019 program implementation process.<\/p><p>The regional displacement patterns confirm that the Metropolitan Nashville area&#8217;s housing crisis affects all 14 counties, requiring coordinated action across all stakeholder groups. Only comprehensive action that addresses both development investment and systematic lending barriers will accomplish the goals detailed in the UHS. NCRC\u2019s recent report on national gentrification trends (\u201c<a href=\"https:\/\/ncrc.org\/displaced-by-design\/\">Displaced by Design<\/a>\u201d) notes cities where displacement has been kept in check.<\/p><p>For the UHS to succeed in creating a city where &#8220;all Nashvillians have access to a safe, stable and affordable place to call home,&#8221; addressing mortgage lending barriers must be an immediate priority. The strategy&#8217;s affordable housing goals cannot be achieved while financial institutions continue excluding families through discriminatory practices and excessive closing costs that have more than doubled since 2018.<\/p><p>The path forward requires implementing the UHS with strong financial institution accountability measures, addressing the systematic lending barriers revealed in this analysis and accurately measuring progress through demographic and geographic equity indicators.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65aa15e elementor-widget elementor-widget-menu-anchor\" data-id=\"65aa15e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Methods\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2f4073 elementor-widget elementor-widget-heading\" data-id=\"c2f4073\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Methods and Data Sources<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64129b0 elementor-widget elementor-widget-text-editor\" data-id=\"64129b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This analysis utilized Nashville CBSA\u2019s HMDA data for the 2018-2024 period combined with demographic data from PolicyMap\u2019s community profile reports and<a href=\"https:\/\/ffiec.cfpb.gov\/\" target=\"_blank\" rel=\"noopener\"> the <\/a><a href=\"https:\/\/ffiec.cfpb.gov\/\" target=\"_blank\" rel=\"noopener\">US Census Bureau\u2019s reporting sources<\/a>. The analysis was designed to support the implementation of <a href=\"https:\/\/www.nashville.gov\/UHS\" target=\"_blank\" rel=\"noopener\">Nashville&#8217;s Unified Housing Strategy<\/a> released in April 2025.<\/p><p>Another primary source used in this report was Home Mortgage Disclosure Act (HMDA) Loan Application Register data covering home purchase loan originations for site-built, 1-4 unit, owner-occupied homes for all financial institutions operating in the Nashville CBSA. Individual lender performance data reflects 2024 originations only, while county-level lending patterns and loan cost analyses span the full 2018-2024 period. Additional sources include the City of Nashville\u2019s Unified Housing Strategy supporting documents and the US Census Bureau\u2019s demographic and rental housing data for Nashville&#8217;s 14-county region.<\/p><p>The analysis methodology aligns with UHS\u2019 implementation needs by establishing baseline metrics for measuring progress and evaluating bank performance against UHS\u2019 goals for financial institution partnerships.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0597cf7 e-flex e-con-boxed e-con e-child\" data-id=\"0597cf7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;5b90c5d&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8e7eec7 elementor-hidden-mobile e-flex e-con-boxed e-con e-child\" data-id=\"8e7eec7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_offset&quot;:125,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83e7094 elementor-widget elementor-widget-heading\" data-id=\"83e7094\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">TABLE OF CONTENTS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4339cc elementor-widget elementor-widget-heading\" data-id=\"c4339cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#Summary\">Executive Summary<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9481eb elementor-widget elementor-widget-heading\" data-id=\"b9481eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#Regional\">Regional Context and Demographics<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6acd875 elementor-widget elementor-widget-heading\" data-id=\"6acd875\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#Mortgage\">Mortgage Lending Trends and Barriers<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69c50b7 elementor-widget elementor-widget-heading\" data-id=\"69c50b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#Closing\">Closing Cost Disparities Undermining UHS Goals<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-659bd26 elementor-widget elementor-widget-heading\" data-id=\"659bd26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#Geographic\">Geographic Displacement Patterns<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd1d65b elementor-widget elementor-widget-heading\" data-id=\"fd1d65b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#Financial\">Financial Institution Performance<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25f07c7 elementor-widget elementor-widget-heading\" data-id=\"25f07c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#Policy\">Policy Recommendations<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3a81df elementor-widget elementor-widget-heading\" data-id=\"b3a81df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#Measuring\">Measuring UHS Success<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cf8604 elementor-widget elementor-widget-heading\" data-id=\"0cf8604\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#Conclusion\">Conclusion<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7982a7c elementor-widget elementor-widget-heading\" data-id=\"7982a7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#Methods\">Methods<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55ee814 elementor-widget elementor-widget-heading\" data-id=\"55ee814\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Subscribe<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d49a73d elementor-widget elementor-widget-text-editor\" data-id=\"d49a73d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Get NCRC news and <br \/>alerts by email.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cab220e elementor-widget elementor-widget-html\" data-id=\"cab220e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/embed\/v2.js\"><\/script>\n<script>\n  hbspt.forms.create({\n    region: \"na1\",\n    portalId: \"22325826\",\n    formId: \"38ff3e48-e6b5-461d-938c-365275aa6273\"\n  });\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Excerpt needed<\/p>\n","protected":false},"author":932,"featured_media":260241,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"_angie_page":false,"content-type":"","_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"page_builder":"","footnotes":""},"categories":[1327],"tags":[1746,3077,1147,2481,3249],"class_list":["post-260176","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-research","tag-fair-lending","tag-feature","tag-featured","tag-gentrification","tag-research_report"],"acf":[],"uagb_featured_image_src":{"full":["https:\/\/ncrc.org\/wp-content\/uploads\/2025\/08\/Feature-Nashville-v1-crop.jpg",1276,653,false],"thumbnail":["https:\/\/ncrc.org\/wp-content\/uploads\/2025\/08\/Feature-Nashville-v1-crop-150x100.jpg",150,100,true],"medium":["https:\/\/ncrc.org\/wp-content\/uploads\/2025\/08\/Feature-Nashville-v1-crop-300x154.jpg",300,154,true],"medium_large":["https:\/\/ncrc.org\/wp-content\/uploads\/2025\/08\/Feature-Nashville-v1-crop-768x393.jpg",768,393,true],"large":["https:\/\/ncrc.org\/wp-content\/uploads\/2025\/08\/Feature-Nashville-v1-crop-1024x524.jpg",1024,524,true],"1536x1536":["https:\/\/ncrc.org\/wp-content\/uploads\/2025\/08\/Feature-Nashville-v1-crop.jpg",1276,653,false],"2048x2048":["https:\/\/ncrc.org\/wp-content\/uploads\/2025\/08\/Feature-Nashville-v1-crop.jpg",1276,653,false]},"uagb_author_info":{"display_name":"Jason Richardson, Joseph Dean and Greg Wilson","author_link":""},"uagb_comment_info":0,"uagb_excerpt":"Excerpt needed","_links":{"self":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts\/260176","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/users\/932"}],"replies":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/comments?post=260176"}],"version-history":[{"count":0,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts\/260176\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/media\/260241"}],"wp:attachment":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/media?parent=260176"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/categories?post=260176"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/tags?post=260176"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}