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Since the beginning of the Covid-19 pandemic in early 2020, we have watched dramatic changes in housing markets, urban life, and residential patterns impact American cities…

The dramatic changes in residential patterns, housing markets, and urban life that have occurred since the onset of the Covid-19 pandemic have had deep and lasting impacts on…

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…

UCC08-1: Americans are no stranger to debt. In 2004, 76.4 percent of all households reported some form of borrowing. Fully 46.2 percent of all households had at least…

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…

Does homeownership affect the outcomes of resident children? Using a national data set, we observed that children of homeowners have better home environments, high cognitive…