Individual and neighborhood effects on FHA mortgage activity: evidence from HMDA data
Please cite this item using this persistent URLhttp://hdl.handle.net/11693/11079
Journal of Housing Economics
- Department of Management 
The effects of individual and neighborhood characteristics on relative FHA-insured mortgage applications and originations are examined. A sample of low- and moderate-income households drawn from the 1990 and 1991 Home Mortgage Disclosure Act is analyzed using census tract data. Although the relationship between relative FHA-insured mortgage activity and minority composition in a census tract is not significant, there is a negative relationship between median family income and FHA-insured mortgage activity controlling for individual characteristics of borrowers and some census tract characteristics. Individual and Neighborhood Effects on FHA Mortgage Activity: Evidence from HMDA Data. Available from: http://www.researchgate.net/publication/4800822_Individual_and_Neighborhood_Effects_on_FHA_Mortgage_Activity_Evidence_from_HMDA_Data [accessed Aug 26, 2015].
Önder, Z. (1998). Individual and neighborhood effects on FHA mortgage activity: Evidence from HMDA data. Journal of Housing Economics, 7(4), 343-376.