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Concentration in Homebuilding Driven by a Few Large Builders

Gopal Ahluwalia, Kermit Baker, Kent Colton • April 19, 2022

The 100 largest home builders in the US now account for about half of all new single-family home sales, up from just over a third two decades ago. However, according to “…
Working Papers

The Financial Returns to Low-Income Homeownership

Eric Belsky, Nicolas Retsinas, Mark Duda • September 9, 2005

W05-9: Efforts to promote low-income homeownership have intensified over the past ten years. Under both regulatory and market pressures, the mortgage finance industry…
Working Papers

Past Accomplishments and Future Regulatory Challenges

William Apgar, Mark Duda • March 30, 2002

The U.S. Congress passed the Community Reinvestment Act (CRA) in 1977 to encourage depository institutions to meet the credit needs of lower income neighborhoods. The CRA was…
Working Papers

Federally Sponsored Rehabilitation Activity

Mark Duda • July 30, 2001

W01-8: Each year the federal government spends approximately $6 billion to rehabilitate the housing stock, which leverages a similar amount of spending from the private…