Alexander Hermann, Whitney Airgood-Obrycki
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February 7, 2024
However defined, rural areas in the US face significant and unique economic and housing challenges. Yet there is no standard definition of rural used in federal policy and no…
Whitney Airgood-Obrycki, Bernadette Hanlon, Shannon Rieger
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April 3, 2020
Scholars conducting empirical research on U.S. suburbs must develop their own definition of suburbia. In this paper, we operationalize three suburban definitions commonly…
Decreasing federal resources since the 1980s, policy devolution to the local level, and expansion of market-based approaches for affordable housing delivery have resulted in…
Raphael Bostic, Arthur Alcolin
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February 27, 2018
This paper was originally presented at A Shared Future: Fostering Communities of Inclusion in an Era of Inequality, a national symposium hosted by the Harvard Joint…
HBTL-09: Dual mortgage markets are a direct descendent of key policy responses to the Great Depression. Prior to the Depression, nearly all mortgages were five-…
MF10-7: This year marks the thirty-fifth anniversary of the Home Mortgage Disclosure Act (HMDA), a law designed to discourage redlining in mortgage lending and to…
Raphael Bostic, Kathleen Engel, Patricia McCoy, Anthony Pennington-Cross, Susan Wachter
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February 1, 2008
UCC08-9: The subprime mortgage market, which consists of high-cost loans designed for borrowers with weak credit, has grown tremendously over the past ten years. Between…
BABC 04-9: This paper examines forces that are reshaping the mortgage banking industry and the ongoing efforts of community-based organizations (CBOs) to expand access…
Raphael Bostic, Paul Calem, Susan Wachter
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February 5, 2004
BABC 04-5: There is a broad consensus regarding the benefits of homeownership, which include wealth accumulation and improvements along social and personal dimensions.…