Roberto Quercia, Michael Stegman, Walter Davis, Eric Stein
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October 1, 2001
The 1977 Community Reinvestment Act (CRA) was enacted to encourage banking institutions to meet the credit needs of their entire communities. In response, lenders have…
Despite an unprecedented boom in homeownership that added seven million net new owners between 1994 and 1999 and drove the homeownership rate nearly three percentage points…
W01-9: As metropolitan areas sprawl to greater and greater distances from traditional city centers, smart growth has captured the attention of the press, electorate, and…
Eric Belsky, Michael Schill, Anthony Yezer
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August 25, 2001
This analysis considers the extent to which the Community Reinvestment Act has led institutions under its authority to increase the number of home purchase mortgage loans to…
W01-6: This paper explores the relationship between housing and household wealth. Any such study encounters two challenges: measuring household wealth and tracing the…
W01-10: The multifamily mortgage market has changed dramatically over the last two decades. The relative importance of the thrifts—once the major source of financing for…
Harvard Joint Center for Housing Studies
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June 11, 2001
Housing markets stood up well in 2000 despite growing uncertainty about the direction of the economy. After years of rapidly rising rents and home prices, however, housing…
Harvard Joint Center for Housing Studies
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May 1, 2001
The Fannie Mae Foundation and the Joint Center for Housing Studies of Harvard University convened a series of Issues Forums during the fall and winter of 2000-2001 to provide…
Record numbers of foreign-born individuals and households currently reside in the United States, substantially affecting housing demand. As of 1998, the 11 million immigrant-…
W01-7: This paper studies the response of the housing market to immigration shocks. I find a positive association between immigrant flows and changes in rents in the…
