This study examines the effect of neighborhood characteristics on the default of FHA mortgages. The analysis includes both neighborhood characteristics and characteristics of the individual loan and borrower, so that the effects of the neighborhood can be distinguished from those of the individual loan. In particular, the analysis seeks to distinguish the effects of neighborhood race, ethnicity, and income from the effects of the individual borrower's status. Research on the effects of neighborhood characteristics on default has been somewhat limited in the past, and this study's contribution to the literature is the inclusion of credit history data. The analysis finds that lower tract income and higher tract black composition are associated with higher rates of default, whereas individual borrower race or income are unrelated to default.
This study examines the effect of neighborhood characteristics on the default of FHA mortgages. The analysis includes both neighborhood characteristics and characteristics of the individual loan and borrower, so that the effects of the neighborhood can be distinguished from those of the individual loan. In particular, the analysis seeks to distinguish the effects of neighborhood race, ethnicity, and income from the effects of the individual borrower's status. Research on the effects of neighborhood characteristics on default has been somewhat limited in the past, and this study's contribution to the literature is the inclusion of credit history data. The analysis finds that lower tract income and higher tract black composition are associated with higher rates of default, whereas individual borrower race or income are unrelated to default.
This study was undertaken to address concerns raised about concentrations of FHA defaults in neighborhoods and among lenders in a 1997 study by the National Training Information Center (NTIC). This...
The traditional method for testing for lender discrimination has involved the estimation of a mortgage rejection equation to determine whether there is an independent race effect, after controlling...
Why are certain regions of the world mired in conflict? And how did some regions in Eurasia emerge from the Cold War as peaceful and resilient? Why do conflicts ignite in Bosnia, Donbas, and...
The BiblioGov Project is an effort to expand awareness of the public documents and records of the U.S. Government via print publications. In broadening the public understanding of government and its...
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