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Data/Research - Community Development Resources

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).

Home Lending in Cuyahoga County Neighborhoods

Two Cleveland Fed researchers use Home Mortgage Disclosure Act (HMDA) data to examine trends in mortgage lending and find differing outcomes by race and income in Cuyahoga County (home of Cleveland, OH).

A new lending gap?

An analysis shows that since the housing crash, mortgage denial rates in the Ninth Federal Reserve District are higher in rural areas than in urban areas. From Community Dividend, a publication of the Minneapolis Fed.

Housing Market Perspectives (Issue 4 March 2017)

In the March 2017 edition of Housing Market Perspectives, St. Louis Fed economist Bill Emmons examines whether the U.S. housing market could be facing conditions like those of 2013, when rising mortgage rates associated with the so-called “taper tantrum” started to pressure the housing markets.

Looking for Progress in America's Smaller Legacy Cities: A Report for Place-Based Funders

Place-based funders can play an important role for connecting economic growth to economic opportunity. Looking for Progress in America's Smaller Legacy Cities: A Report for Place-Based Funders describes a study tour undertaken by representatives from four Federal Reserve Banks and more than two dozen place-based funders, under the auspices of the Funders' Network-Federal Reserve Philanthropy Initiative.


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