Digital Commons Network^™

Changing Patterns Xiii: Mortgage Lending To Traditionally Underserved Borrowers And Neighborhoods In Greater Boston, 1990-2005, Jim Campen

Gastón Institute Publications

The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded to include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In 2003, the report’s geographic coverage was further expanded to include a total of 108 communities. This year’s report extends coverage to all counties, regional planning areas, and federally-defined metropolitan areas in Massachusetts.

The text that follows this introduction highlights some of the most significant findings that emerge from …

Latino Shelter Poverty In Massachusetts, Michael E. Stone

Gastón Institute Publications

There were about 121,000 Latino-headed households in Massachusetts in 2000 – nearly 5% of all households, an increase from 3.5% in 1990. The median annual income for Latino-headed households was $27,400 in 2000. About one-third of Latino households had annual incomes of less than $15,000; one-third had between $15,000 and 40,000; and one-third had incomes of $40,000 or more. The median Latino household size was 3 persons. 78% of Latino-headed households rented housing, and only 22% were homeowners.

Trends In Enrollment And Outcomes For Latino Children In Massachusetts Public Schools, Miren Uriarte, Nicole Lavan

Gastón Institute Publications

Looks at enrollment data related to Latino students in Massachusetts Public Schools since 1988.

Latinos In Massachusetts: A Mid-Decade Status Report, Jennifer Shea, Charles Jones

Gastón Institute Publications

This research report provides an updated socioeconomic profile of Latinos in Massachusetts. Using data from the 2000 Census, the 2004 American Community Survey, and the 2002 Economic Census and Survey of Business Owners, it provides a comprehensive, comparative overview of a variety of statistical indicators – including population, national origin, age, gender, education, employment, poverty, income, and household composition. This information should prove useful to a range of individuals and organizations concerned with issues that impact the Latino community: policy-makers, advocates, community-based organizations, businesses, and the media. The report focuses primarily on Latinos as a group in Massachusetts, though where …

Springfield, Mandira Kala, Charles Jones

Gastón Institute Publications

This fact sheet presents various economic, social, and demographic indicators pertaining to the Latino population in the Springfield Metropolitan Statistical Area (MSA) and, when required, compares the Springfield MSA with the state of Massachusetts overall and with the other main areas of large Latino concentration, namely, the Boston, Lawrence, and Worcester Primary Metropolitan Statistical Areas (PMSAs). In this fact sheet the term “Springfield” refers to the complete MSA and not just the city of Springfield. The information for this fact sheet comes from the U.S. Census Bureau’s American Community Survey of 2004.

Boston, Mandira Kala, Charles Jones

Gastón Institute Publications

This fact sheet presents various economic, social, and demographic indicators pertaining to the Latino population in the Boston Primary Metropolitan Statistical Area (PMSA) and, when required, compares the Boston PMSA with the state of Massachusetts overall and with the other main areas of large Latino concentration, namely, the Lawrence and Worcester PMSAs and the Springfield Metropolitan Statistical Area (MSA).1 In this fact sheet the term “Boston” refers to the complete PMSA and not just the city of Boston. The information for this fact sheet comes from the U.S. Census Bureau’s American Community Survey of 2004.

Lawrence, Mandira Kala, Charles Jones

Gastón Institute Publications

This fact sheet presents various economic, social, and demographic indicators pertaining to the Latino population in the Lawrence Primary Metropolitan Statistical Area (PMSA) and, when required, compares the Lawrence PMSA with the state of Massachusetts overall and with the other main areas of large Latino concentration, namely, the Boston and Worcester PMSAs and the Springfield Metropolitan Statistical Area (MSA). In this fact sheet the term “Lawrence” refers to the complete PMSA and not just the city of Lawrence. The information for this fact sheet comes from the U.S. Census Bureau’s American Community Survey of 2004.

Latinos In Massachusetts: Selected Economic Indicators, Ramon Borges-Mendez, Nicole Lavan, Charles Jones

Gastón Institute Publications

This brief presents an analysis of various economic indicators pertaining to the Latino population in metropolitan areas of high Latino concentration in Massachusetts. It includes information on and comparisons of the Primary Metropolitan Areas of Boston and the Metropolitan Statistical Area of Springfield and when available the Primary Metropolitan Area of Lawrence. The information comes from the U.S. Census Bureau’s American Community Survey of 2004.

Worcester, Mandira Kala, Charles Jones

Gastón Institute Publications

This fact sheet presents various economic, social, and demographic indicators pertaining to the Latino population in the Worcester Primary Metropolitan Statistical Area (PMSA) and, when required, compares the Worcester PMSA with the state of Massachusetts overall and with the other main areas of large Latino concentration, namely, the Boston and Lawrence PMSAs and the Springfield Metropolitan Statistical Area (MSA). In this fact sheet the term “Worcester” refers to the complete PMSA and not just the city of Worcester. The information for this fact sheet comes from the U.S. Census Bureau’s American Community Survey of 2004.

Latino Business Owners In East Boston, Ramon Borges-Mendez, Brandynn Holgate, Carlos Maynard, Robin Reale, Jennifer Shea

Gastón Institute Publications

The main objective of this research was to investigative the contribution of Latino immigrant business owners (or entrepreneurs) in East Boston. Twelve Latino business owners in East Boston were interviewed and supplementary interviews with public officials and other key informants served to further document the contribution of Latino entrepreneurs. The main finding of the report is that Latino business owners have made, and continue, to make extremely important contributions to East Boston’s economy and neighborhoods.

Borrowing Trouble? Vi: High-Cost Mortgage Lending In Greater Boston, 2004, Jim Campen

Gastón Institute Publications

Five years ago, in response to numerous reports of the growth of predatory lending, both locally and nationwide, the Massachusetts Community & Banking Council (MCBC) – whose Board of Directors has an equal number of bank and community representatives – commissioned a study of subprime refinance lending in the city of Boston and surrounding communities. The resulting report, Borrowing Trouble? Subprime Mortgage Lending in Greater Boston, 1999, was the first detailed look at subprime lending in the city of Boston and in twenty-seven surrounding communities.

This is the sixth report in the annual series begun by that initial study. …

Changing Patterns Xii: Mortgage Lending To Traditionally Underserved Borrowers And Neighborhoods In Greater Boston, 1990-2004, Jim Campen

Gastón Institute Publications

The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded to include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In 2003, the report’s geographic coverage was further expanded to include a total of 108 communities.

The text that follows this introduction highlights some of the most significant findings that emerge from the extensive set of tables and charts that constitute the bulk of the report. Part I, together …