text: Wells Fargo recently announced a $60 billion lending commitment aimed at increasing homeownership rates among African-Americans.
  As part of the commitment, Wells Fargo has set a goal of creating at least 250,000 African-American homeowners by 2027.
  “The homeownership rate among African-Americans is 42% — lower than any other ethnic minority, and 20 points short of the national rate,” Wells Fargo Home Mortgage Regional Manager Tony Garcia said. “Wells Fargo believes passionately in the financial and social benefits of owning a home and we recognize we can do more to address the homeownership rates within the African-American community.”
  The commitment aims to lend the $60 billion to qualified African-American consumers for home purchases, increase diversity of the Wells Fargo home lending sales team and use $15 million to support a variety of initiatives that promote financial education and counseling over the next 10 years.
  According to the U.S. Census Bureau, by 2024 75 percent of the expected 14 million new households will be diverse, and 17 percent of the new households are expected to be African-American.
  In 2015, Wells Fargo made a similar announcement with a $125 billion lending goal to address the Hispanic homeownership rates as part of an effort with the National Association of Hispanic Real Estate Professionals Hispanic Wealth Program.
  “Since 2016, more than 44,000 families have become homeowners and more than $1 million has been invested in home buyer education and counseling incentives,” Garcia said. “In addition, we have seen a 16 percent growth in Hispanic home lending professionals on our team.”
  Wells Fargo has various programs to help prospective first-time homeowners. The “Your First Mortgage” program aims to reduce “loan application complexity” while offering a down payment as low as 3 percent, lower out-of-pocket costs, expanded credit criteria and more.
  “Wells Fargo is committed to helping all of our customers who are financially ready achieve sustainable homeownership, and we have the resources and partnerships to make it happen,” Garcia said. “We will continue to address home buying challenges and provide access to home buyer education and counseling to increase consumer confidence in the home buying process.”
explanation: The document is a news article discussing Wells Fargo's $60 billion lending commitment to increase African-American homeownership rates. It includes details about the goals, strategies, and previous initiatives related to Hispanic homeownership. The text does not contain any math questions or answers.
distilabel_metadata.content: Evaluate the user given text extract and determine if it contains a math question and optionally and answer to this question.
  
  Output rules:
  
  1. Briefly describe the document and mention if it contains a question or a question and answer.
  2. Finalize the output with: Label: no-question,question,question-and-answer,multiple-question,multiple-question-and-answer
distilabel_metadata.role: system
distilabel_metadata.content: Wells Fargo recently announced a $60 billion lending commitment aimed at increasing homeownership rates among African-Americans.
  As part of the commitment, Wells Fargo has set a goal of creating at least 250,000 African-American homeowners by 2027.
  “The homeownership rate among African-Americans is 42% — lower than any other ethnic minority, and 20 points short of the national rate,” Wells Fargo Home Mortgage Regional Manager Tony Garcia said. “Wells Fargo believes passionately in the financial and social benefits of owning a home and we recognize we can do more to address the homeownership rates within the African-American community.”
  The commitment aims to lend the $60 billion to qualified African-American consumers for home purchases, increase diversity of the Wells Fargo home lending sales team and use $15 million to support a variety of initiatives that promote financial education and counseling over the next 10 years.
  According to the U.S. Census Bureau, by 2024 75 percent of the expected 14 million new households will be diverse, and 17 percent of the new households are expected to be African-American.
  In 2015, Wells Fargo made a similar announcement with a $125 billion lending goal to address the Hispanic homeownership rates as part of an effort with the National Association of Hispanic Real Estate Professionals Hispanic Wealth Program.
  “Since 2016, more than 44,000 families have become homeowners and more than $1 million has been invested in home buyer education and counseling incentives,” Garcia said. “In addition, we have seen a 16 percent growth in Hispanic home lending professionals on our team.”
  Wells Fargo has various programs to help prospective first-time homeowners. The “Your First Mortgage” program aims to reduce “loan application complexity” while offering a down payment as low as 3 percent, lower out-of-pocket costs, expanded credit criteria and more.
  “Wells Fargo is committed to helping all of our customers who are financially ready achieve sustainable homeownership, and we have the resources and partnerships to make it happen,” Garcia said. “We will continue to address home buying challenges and provide access to home buyer education and counseling to increase consumer confidence in the home buying process.”
distilabel_metadata.role: user
distilabel_metadata.raw_output_q_a_detector_0: The document is a news article discussing Wells Fargo's $60 billion lending commitment to increase African-American homeownership rates. It includes details about the goals, strategies, and previous initiatives related to Hispanic homeownership. The text does not contain any math questions or answers.
  
  Label: no-question