The Social Structure of Mortgage Discrimination.

In the decade leading up to the U.S. housing crisis, black and Latino borrowers disproportionately received high-cost, high-risk mortgages-a lending disparity well documented by prior quantitative studies.

Riding the Stagecoach to Hell: A Qualitative Analysis of Racial Discrimination in Mortgage Lending.

Recent studies have used statistical methods to show that minorities were more likely than equally qualified whites to receive high cost, high risk loans during the U.S. housing boom, evidence taken to suggest widespread discrimination in the mortgage lending industry.

Race, Space, and Cumulative Disadvantage: A Case Study of the Subprime Lending Collapse.

In this article, we describe how residential segregation and individual racial disparities generate racialized patterns of subprime lending and lead to financial loss among black borrowers in segregated cities. We conceptualize race as a cumulative disadvantage because of its direct and indirect effects on socioeconomic status at the individual and neighborhood levels, with consequences that reverberate across a borrower's life and between generations. Using Baltimore, Maryland as a case study setting, we combine data from reports filed under the Home Mortgage Disclosure Act with additional loan-level data from mortgage-backed securities.

Segregation in Post-Civil Rights America: Stalled Integration or End of the Segregated Century?

In this paper we adjudicate between competing claims of persisting segregation and rapid integration by analyzing trends in residential dissimilarity and spatial isolation for African Americans, Hispanics, and Asians living in 287 consistently defined metropolitan areas from 1970 to 2010. On average, black segregation and isolation have fallen steadily but still remain very high in many areas, particularly those areas historically characterized by hypersegregation. In contrast, Hispanic segregation has increased slightly but Hispanic isolation has risen substantially owing to rapid population growth.

New evidence on racial and ethnic disparities in homeownership in the United States from 2001 to 2010.

Using 2001-2010 homeownership data for the United States we analyze changes in racial and ethnic disparities between whites and blacks, Asians, Mexicans, Cubans, Puerto Ricans and other Hispanics. We employ Integrated Public Use Microdata (IPUMS) combined with local credit scores and house price to income ratios. Controlling for demographic, income, wealth, employment, and housing characteristics, we find no significant differences between whites and Asians, Mexicans, or Cubans.

Racial Segregation and the American Foreclosure Crisis.

Although the rise in subprime lending and the ensuing wave of foreclosures was partly a result of market forces that have been well-identified in the literature, in the United States it was also a highly racialized process. We argue that residential segregation created a unique niche of poor minority clients who were differentially marketed risky subprime loans that were in great demand for use in mortgage-backed securities that could be sold on secondary markets. We test this argument by regressing foreclosure actions in the top 100 U.

The Geography of Undocumented Mexican Migration.

Using data from Mexico's Matrícula Consular program, we analyze the geographic organization of undocumented Mexican migration to the United States. We show that emigration has moved beyond its historical origins in west-central Mexico into the central region and, to a lesser extent, the southeast and border regions. In the United States, traditional gateways continue to dominate, but a variety of new destinations have emerged.