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Foreclosure mitigation - Data/Research

Borrower Credit Access and Credit Performance After Loan Modifications

While the preventive effect of loan modifications on mortgage default has been well-documented, evidence on the broad consequences of modifications has been fairly limited. Based on two unique loan-level data sets with borrower credit profiles, the study Borrower Credit Access and Credit Performance After Loan Modifications reports novel empirical evidence on how homeowners manage their credit before and after receiving modifications.

Tenth District LMI Economic Conditions

This new Kansas City Fed publication is a consolidation of two existing publications: the LMI Survey and Tenth District LMI Labor Force Report, neither of which will be published separately in the future. The impetus for the change was a desire to provide information on economic conditions in the low- and moderate-income (LMI) community in a concise and complete publication. Each issue will continue to report results from the LMI Survey, and a labor market section will offer additional analysis of official labor market data relevant to LMI communities.

Housing Market Conditions Report

Housing market conditions continued to improve during the first quarter of 2015 across the seven states that comprise the Fed’s Eighth Federal Reserve District, according to the St. Louis Fed’s Housing Market Conditions report. The quarterly report provides a snapshot of conditions in the U.S. and in the Eighth District states and MSAs. This webpage features the latest report, and an archive of past reports.

Access to Affordable Housing now Ranks among Top Concerns

Affordable housing now ranks among the top concerns facing communities in the Fourth District. Jobs and vacant properties round out the top three. The Spring 2015 edition of Issues & Insights features analysis of results from the Cleveland Fed’s annual community issues survey of stakeholders, along with innovative approaches being tried in communities across the District, which comprises Ohio, western Pennsylvania, eastern Kentucky, and the panhandle of West Virginia.

The Rise of Single-Family Rentals in Arizona, California, and Nevada

This Research Brief from the San Francisco Fed examines trends in rental housing composition in Arizona, California and Nevada and takes a closer look at local areas that have seen the fastest growth in single-family rentals. These three states were hit particularly hard by the foreclosure crisis and have major markets that have been impacted by investor purchases.

The Pattern of Appraisal Bias in the Third District During the Housing Crisis

While appraisers have often been criticized for the inflated home values that were more prevalent during the housing boom, little research has been done to help understand how appraisal valuations respond to rapidly changing local market conditions and regulatory environments. In this discussion paper by the Philadelphia Fed’s Community Development Studies & Education department, researchers examine the pattern of appraisal bias in the Third Federal Reserve District during the housing crisis. Based on a unique transaction-level appraisal data set, this study evaluates how the lack of market activity, the concentration of foreclosures, and the increased use of appraisal management companies, as well as other factors, impact the incidence of low appraisals during the crisis. 


12th District County Profiles

The 12th District County Profiles, published by the San Francisco Fed, provide valuable information on the various labor-market, housing, and economic development issues impacting communities throughout the nine western states. More counties will be added in future rounds of profiles, so check back often to see if your community is featured!

Federal Reserve Community Development Perspectives

Ever wonder about the Federal Reserve’s involvement in the field of community development? Wonder no more. Released in June 2014, Federal Reserve Community Development Perspectives: A summary of activities, insights, and future opportunities answers the "what," "why" and "how" of the Fed's role in community development. The report highlights the Fed’s recent efforts to address barriers to economic growth, and promote fair and informed access to financial markets. Featuring brief summaries of its community development work organized into four focus areas--people, place, the policy and practice of community development, and small business--the report includes background information that helps to provide context for this work, a sampling of key research, outreach programs and other initiatives, as well as some ideas on future challenges, needs and opportunities.

Housing Market Recovery in the 12th District: Implications for Low- and Moderate-Income Communities

Following the aftermath of the Great Recession, national indicators are starting to show signs of improvement in the housing market, but these indicators mask the realities of what’s happening on the ground in low- and moderate-income (LMI) communities. Complicating matters is the unprecedented role of investors in the housing recovery. This Research Brief from the San Francisco Fed provides an overview of related issues and examines housing market recovery and investor activity in the Federal Reserve’s 12th District.

The Subprime Crisis in Suburbia: Exploring the Links between Foreclosures and Suburban Poverty

This working paper from the San Francisco Fed provides an overview of patterns of subprime lending, as well as trends in foreclosures and REOs, in suburban communities compared to inner-cities. It explores the relationship between foreclosures in suburban areas and the increased suburbanization of poverty.


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