Within the first few months of the pandemic, news reports began to describe the serious impacts of the coronavirus on older adults, especially those living in congregate…
These Issue Briefs, authored by Rachel Bratt, a Senior Research Fellow at the Joint Center for Housing Studies and former visiting scholar at the Federal Reserve Bank of…
Although federal guidelines allow foreclosed homes to be sold with occupants, in a recently published article in Housing Policy Debate, I report that the guidelines are…
Despite the private for-profit sector's importance in affordable housing development, there has been relatively little research on the sector. This working paper explores one…
Despite the private for-profit sector’s importance in affordable housing development, there has been relatively little research on the sector. Many researchers working on…
Last December, the Massachusetts Department of Housing and Community Development released the latest figures on the percentage of affordable housing in each of the state’s…
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…
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…