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Race, Ethnicity, And The Great Recession : A National Evaluation Of Mortgages And Subprime Lending, 2004-2010, Meghan M. O'Neil
Race, Ethnicity, And The Great Recession : A National Evaluation Of Mortgages And Subprime Lending, 2004-2010, Meghan M. O'Neil
Legacy Theses & Dissertations (2009 - 2024)
The dissertation analyzes multilevel models to predict mortgage origination and the allocation of subprime credit pre-and-post Great Recession. With representative samples from two full years of mortgage applications filed in the top 100 U.S. metropolitan areas, the dissertation uncovers evidence of persistent disparities by race and neighborhood minority concentration despite controls for socioeconomic, demographic, assimilation and housing variables. Mortgage outcomes varied by applicant race, neighborhood racial composition and neighborhood racial change. Findings suggest evidence of Fair Housing Act violations and disparate impacts towards minority homebuyers and minority neighborhoods. Results lend support for spatial assimilation theories in explaining much of the …
Three Methodological Innovations In Race And Ethnicity Research, Jeffrey Napierala
Three Methodological Innovations In Race And Ethnicity Research, Jeffrey Napierala
Legacy Theses & Dissertations (2009 - 2024)
This dissertation examines topics related to racial and ethnic diversity through three essays. Each essay takes a new perspective on a current issue in the literature and utilizes a unique statistical methodology to address that issue. The first essay uses the Monte Carlo Simulation Method to develop a measure of segregation for the ACS and uses it to assess whether the ACS is useful for measuring segregation in places with different sizes. The second essay considers whether a relatively unexplored factor, genetics, is correlated with migration. This perspective broadens our understanding of why migration occurs and is perpetuated over time. …