scholarly journals Institutional Racism and Pregnancy Health: Using Home Mortgage Disclosure Act Data to Develop an Index for Mortgage Discrimination at the Community Level

2011 ◽  
Vol 126 (3_suppl) ◽  
pp. 102-114 ◽  
Author(s):  
Dara D. Mendez ◽  
Vijaya K. Hogan ◽  
Jennifer Culhane
2020 ◽  
Vol 38 (15_suppl) ◽  
pp. e13615-e13615
Author(s):  
Kirsten M. M. Beyer ◽  
Yuhong M. Zhou ◽  
Purushottam W. Laud ◽  
Emily McGinley ◽  
Tina W.F. Yen ◽  
...  

e13615 Background: Although racism and racial residential segregation are widely considered to contribute to health disparities, including in breast cancer, studies examining the impact of mortgage discrimination, a factor contributing to residential racial segregation, and breast cancer survival are limited. The objective of this study is to examine the relationship between redlining (mortgage discrimination based on property location) and survival among older women with breast cancer. Methods: Using the Home Mortgage Disclosure Act (HMDA) database, we estimated redlining for all census tracts in the Metropolitan Statistical Areas (MSAs) within 15 Surveillance Epidemiology and End Results (SEER) areas. This measure was linked by tract with a SEER-Medicare cohort of 27,516 women aged 66-90 years with an incident stage I-IV breast cancer in 2007-2009 and claims information through 2014. We used cox proportional hazards regression models with survival time as the outcome variable and a 4-level categorical logged redlining variable as the key predictor. We also modeled the hazard ratio using redlining as a continuous variable. Models were stratified by stage, ER/PR status, and age group and adjusted for comorbidity and MSA-level standard error. Results: At a median follow-up of 72 months, one-third of the cohort was deceased. The majority of the cohort had no comorbidities and had hormone receptor-positive, early stage (I/II) cancers. Redlining was associated with poorer survival. When redlining is discretized into four groups with approximate equal-sized intervals, the first and second highest redlining groups are significantly associated with all-cause mortality (HR = 1.226 [1.108, 1.355] for the highest group; HR = 1.159 [1.095, 1.228] for the second highest group). When redlining and its quadratic terms are included in the model, the original and square terms are significantly associated with all-cause mortality (HR = 1.177 [1.111, 1.248] for redlining; HR = 0.982 [0.973, 0.991] for squared redlining). Conclusions: The study suggests that redlining could negatively contribute to breast cancer survival. Persistent place-based mortgage discrimination, as a manifestation of institutional racism, could have long-term effects on people’s health, possibly by impacting health care access or exposing residents to harmful neighborhood conditions. Housing policies that seek to reduce or eliminate place-based mortgage discrimination could contribute to reducing breast cancer survival disparities.


2012 ◽  
Vol 98 (6) ◽  
pp. 0-0 ◽  
Author(s):  
Robert B. Avery ◽  
◽  
Neil Bhutta ◽  
Kenneth P. Brevoort ◽  
Glenn B. Canner

Author(s):  
Laurie Goodman ◽  
Wei Li ◽  
Jun Zhu

This paper presents a new approach to measuring affordable homeownership. Future changes in the homeownership rate will depend on the ability of today’s renters to become homeowners. Our proposed housing affordability for renters index (HARI) focuses on how affordable homeownership is for current renters. We look at the share of renters who reported the same or more income than those who recently purchased a home using a mortgage, in effect measuring how many renters have enough income to purchase a house. For each metropolitan statistical area (MSA), we construct a local area index that compares renters and borrowers in the same MSA and a national index that compares renters nationwide with homeowners in a specific MSA. We rely on the Administrative Data Research Facility to construct these indices. This database, constructed by the Urban Institute, aggregates American Community Survey variables and Home Mortgage Disclosure Act variables to common geographies. The new indices reveal that slightly more than a quarter of current US renters have incomes higher than those who recently became homeowners using a mortgage. The indices also reveal how housing affordability differs over time and across race/ethnicity groups and locations. We demonstrate the value of our new indices by showing that they are predictive of homeownership rates: MSAs that are deemed more affordable by our index have higher homeownership rates.


2021 ◽  
Author(s):  
Karl Schneider ◽  
Nicholas Schwartz ◽  
Jessica Russell ◽  
Eleanor O'Reilly ◽  
Nicolas Melton ◽  
...  

2010 ◽  
Vol 26 (5) ◽  
Author(s):  
Rakesh K. Gupta ◽  
Hari Sharma ◽  
Cheryl E. Mitchem

<p class="MsoNormal" style="text-align: justify; margin: 0in 0.5in 0pt; mso-pagination: none;"><span style="color: black; font-size: 10pt; mso-themecolor: text1;"><span style="font-family: Times New Roman;">This research paper focuses on the analysis of subprime lending activities in specific geographic area in the light of reporting requirements of the Home Mortgage Disclosure Act (HMDA). This cross sectional study has focused on the detailed analysis of mortgage data for the selected Metropolitan Statistical Areas (MSA) from a socio-economic perspective. The objective of this research is to assess the impact of predatory lending in selected geographic regions. Another dimension of the research focuses on the role of mortgage lending from a securitization point of view. The study reveals that private securitization (PSEC) mortgages grew dramatically not only by the number of loans but also significantly by the dollar amount due to subprime lending activities during the period of study. The growth in PSEC loans affected mortgage lending in several ways, such as, increasing subprime lending, boosting home prices, and undermining mortgage industry regulations. Additionally, Government-Sponsored Enterprises (GSEs) loan originations also increased the number of subprime loans because of relaxed reporting requirements which contributed to increased delinquencies and foreclosures for conforming loans. The study further reveals that HMDA reporting requirements allowed the mortgage industry to conceal the loans that had spreads above the prime rate of up to 3.5 points for Fixed Rate Mortgage or 5 points for Adjustable Rate Mortgage (ARM). The study of mortgage lending programs, products, and regulatory laws have also been examined to assess the impact of predatory lending on homeownership. </span></span></p>


1982 ◽  
Vol 1 (3) ◽  
pp. 283-296 ◽  
Author(s):  
Rebecca F. Guy ◽  
Louis G. Pol ◽  
Randy E. Ryker

2011 ◽  
Vol 97 (6) ◽  
pp. 0-0 ◽  
Author(s):  
Robert B. Avery ◽  
◽  
Neil Bhutta ◽  
Kenneth P. Brevoort ◽  
Glenn B. Canner

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