In this article, we describe how residential segregation and individual racial disparities
generate racialized patterns of subprime lending and lead to financial loss among black …

Having historically been avoided by institutional financial investors, US single-family
housing—that is, free-standing residential property—received large investment inflows after …

US house prices fell nearly 30% between 2006 and 2012. Meanwhile, homeownership rates
declined as mortgage credit supply tightened and investors bought up properties. Although …

In the decade leading up to the US housing crisis, black and Latino borrowers
disproportionately received high-cost, high-risk mortgages—a lending disparity well …

The impacts of the foreclosure crisis have been widespread, catalyzing the worst economic
downturn since the Great Depression and leading to dramatic declines in housing equity …

After 2007, many US households suffered significant financial losses when their mortgages
were foreclosed upon and homes repossessed. Much of this lost value ended up in the …

Some have questioned the financial wisdom of homeownership and, especially, Black
homeownership. This is understandable because the mortgage crisis dealt heavy blows to …

Ten years after the mortgage crisis, the US housing market has rebounded significantly with
house prices now near the peak achieved during the boom. Homeownership rates, on the …

In this paper, we investigate the influential factors of Federal Housing Administration (FHA)
mortgage loans, focusing our research interest on peer-to-peer (P2P) lending, the most …

This report examines the availability of small-dollar mortgages (up to $70,000) for home
purchases, refinances, and improvements. 1 We find evidence of a substantial number of …