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Data/Research - Community Development Resources


Rental Housing Affordability in the Southeast: Data from the Sixth District

In this paper, the authors provide a regional snapshot of housing affordability and the availability of affordable rental housing units at several scales for the Atlanta Fed's district, using data from the 2015 American Community Survey. The results demonstrate the widespread lack of affordable housing in large metropolitan areas, small and midsized regions, and nonmetro regions throughout the Southeast. The authors also show that extremely low- and very low-income households are disproportionately cost-burdened.

HMDA Data: A New Mortgage Lending Resource for Indian Country

Back in 2017, the Center for Indian Country Development (CICD) at the Federal Reserve Bank of Minneapolis released an online Reservation Profiles tool that provides demographic information about federally recognized American Indian tribes with populations of at least 2,500. In this CICD Blog post, read how the recent addition of Home Mortgage Disclosure Act data to the tool can enhance users' understanding of mortgage lending in Indian Country. 

Home Lending in Hamilton County Neighborhoods

A Cleveland Fed researcher used Home Mortgage Disclosure Act (HMDA) to examine trends in mortgage lending in Hamilton County, Ohio--home to Cincinnati--during a 27-year period beginning in 1990.

Home Lending in Franklin County Neighborhoods

A Cleveland Fed Policy Analyst used Home Mortgage Disclosure Act (HMDA) to examine trends in mortgage lending in Franklin County, Ohio--home to Columbus--during a 27-year period beginning in 1990.

Rust and Renewal: The Industrial Heartland from 1969 to the Present

Cleveland, Cincinnati, and Pittsburgh—once major centers of manufacturing. See how these metropolitan areas have fared during roughly the last half-century as manufacturing and other key sectors of their economies have evolved.

Home Lending in Fayette County Neighborhoods

The fourth in a series of reports that analyze Home Mortgage Disclosure Act data, Cleveland Fed researchers look at pre- and post-Great Recession mortgage lending in the county that is home to Lexington, Kentucky. Read their findings.

Informal Homeownership Issues: Tracking Contract for Deed Sales in the Southeast

Since the Great Recession, homeownership rates have dropped and the wealth divide has widened for low-income and racial and ethnic minority households. Homeownership is a significant contributor to household balance sheets and generator of household wealth, particularly for these populations. A contract for deed is a seller-financed real estate contract consisting of installment payments. For households that desire the financial and physical security of owning a home, contracts for deed may provide an inexpensive option. However, risks may exist. This discussion paper explores informal homeownership issues by tracking contract for deed sales in the Southeast. 

Developing Inclusive Communities: Challenges and Opportunities for Mixed-Income Housing

Over the past decade, housing costs have risen faster than incomes. The need for affordable rental housing has well outpaced the number of available units as well as funding allocations at the federal level. Local regulation and land use policies that increase the cost of subsidized, mixed-income housing construction and preservation have contributed to the affordability problem. This discussion paper explores new ideas about how affordable housing in an economically integrated, mixed-income community setting could be developed and operated in an environment of declining government subsidies.

Home Lending Reports Reveal that Home Loan Outcomes Vary by Race, Income, and County

This article from the Cleveland Fed examines trends in Cuyahoga and Allegheny counties and reveals differences for not only the counties, but also for borrowers of different races and incomes.

Home Lending in Allegheny County Neighborhoods

An analysis of Home Mortgage Disclosure Act (HMDA) data by two Cleveland Fed researchers finds differences in mortgage lending outcomes by race and income in Allegheny County (home of Pittsbugh, PA).

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