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Mortgages

Recent Articles

  • Homestead Program Is a Land Contract Success Story

    Land contracts, when appropriately administered, allow low-income individuals who might not qualify for conventional bank-financed mortgages a chance to become homeowners. Read More  

  • An Uneven Recovery: Home Lending in the Fourth District by Race and Income

    Focusing on seven counties across Ohio, Pennsylvania, and Kentucky, our researchers used Home Mortgage Disclosure Act data to examine application and origination activity by income and race during the past 27 years (1990–2016). In a 13-year span preceding and following the Great Recession (2004–2016), three trends were consistent across all seven counties. Read More  

  • Home Lending in Lucas County Neighborhoods

    Focusing on Lucas County, home to the city of Toledo, Ohio, begins with a broad look at application and origination activity during the past 27 years (1990–2016) and then delves into trends during the 13-year period from 2004 to 2016. Using maps and a series of figures and tables, we tell the story of mortgage lending during these periods from both the neighborhood and borrower perspectives. Read More  

  • Home Lending in Franklin County Neighborhoods

    Focusing on Franklin County, Ohio, home to the city of Columbus, our researchers examined application and origination activity during the past 27 years (1990–2016) and dove into trends during the 13-year period from 2004 to 2016. Using maps and a series of figures and tables, we tell the story of mortgage lending during these periods from both the neighborhood and borrower perspectives. Read More  

  • Home Lending in Hamilton County Neighborhoods

    Focusing on Hamilton County, Ohio, home to the city of Cincinnati, our researchers examined application and origination activity during the past 26 years (1990–2016) and dove into trends during the 13-year period from 2004 to 2016. Using maps and a series of figures and tables, we tell the story of mortgage lending during these periods from both the neighborhood and borrower perspectives. Read More