During the past decade, the housing finance system contributed to a boom-and-bust cycle that triggered the greatest economic crisis since the 1930s. A brief but…
Chris Herbert, Eric Belsky, William Apgar
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April 30, 2012
W12-2: This paper focuses on four critical policy challenges in the area of housing finance that were developed with input from the What Works Collaborative during the…
W09-1: Energy efficiency and environmental sustainability have benefited from increased media attention in recent years. Despite a proven record of improving the energy…
There are many causes to the collapse of the housing market and the recent financial turmoil, but the contribution of the CRA appears marginal. While banks did engage in…
W08-2: Research on the determinants of home improvement activity generally ignores the neighborhood context in which homeowners live. However the condition and trends of…
William Apgar, Amal Bendimerad, Ren Essene
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April 25, 2007
For decades “fair lending” issues have received attention in both public policy arenas and the popular press, but the release of 2004 Home Mortgage Disclosure Act (HMDA) data…
Over the last two decades, the rise of risk based pricing, the growing importance of the secondary mortgage market, and the emergence of mortgage brokers in the marketing and…
RR07-8: Nearly one-fifth of the rental housing stock is in smaller, multifamily apartment buildings with between 5 and 49 units. Even though relatively large shares of…
W06-2: Over the past 15 years, builder consolidation has dramatically changed the home building industry. In addition to improved financial performance, the adoption of…
W05-11: Efforts to promote equal access to mortgage capital by racial and ethnic minorities have historically been a key component of the civil rights agenda in the…