Social and Behavioral Sciences Commons^™

Changing Patterns Xiv: Mortgage Lending To Traditionally Underseved Borrowers & Neighborhoods In Boston, Greater Boston And Massachusetts, 2006, Jim Campen

Gastón Institute Publications

This is the fourteenth in the annual series of Changing Patterns reports prepared for the Massachusetts Community & Banking Council (MCBC) by the present author. This year’s report, for the first time, includes the analysis of subprime lending that was previously presented in a separate annual series of Borrowing Trouble reports. The report presents information for the city of Boston, for Greater Boston, and for Massachusetts, as well as for each of the state’s fourteen counties and each of its thirty-three largest cities and towns.

The analysis is based on federal Home Mortgage Disclosure Act (HMDA) data for 2006, as …

Investigating The Heart Of A Community: Archaeological Excavations At The African Meeting House, Boston, Massachusetts, David B. Landon, Teresa Dujnic, Kate Descoteaux, Susan Jacobucci, Darios Felix, Marisa Patalano, Ryan Kennedy, Diana Gallagher, Ashley Peles, Jonathan Patton, Heather Trigg, Allison Bain, Cheryl Laroche

Andrew Fiske Memorial Center for Archaeological Research Publications

In collaboration with the Museum of African American History, an archaeological research team from the University of Massachusetts Boston carried out a data recovery excavation at the African Meeting House on Beacon Hill. The African Meeting House was a powerful social institution for 19thcentury Boston’s free black community. The site played an important role in the abolition movement, the creation of educational opportunity, and other community action for social and political equality. The Meeting House was originally built in 1806, and renovations in preparation for the 2006 bi-centennial celebration prompted an investigation of areas of the property to be impacted …

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 …

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 …

Changing Patterns Xi: Mortgage Lending To Traditionally Underserved Borrowers & Neighborhoods In Greater Boston, 1990-2003, 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 t o include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In last year’s report, the 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. The …

Changing Patterns Xi: Mortgage Lending To Traditionally Underserved Borrowers And Neighborhoods In Greater Boston, 1990-2003, 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 t o include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In last year’s report, the 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. The …

Borrowing Trouble? Iv: Subprime Mortgage Refinance Lending In Greater Boston, 2000-2002, Jim Campen

Gastón Institute Publications

The present report is the fourth in the annual series begun by that initial study; it extends the time period covered through 2002, and expands the number of individual cities and towns for which data on subprime refinance lending are provided to 108.

Although motivated by a concern with predatory lending, this study and its predecessors – like all of the other quantitative studies of which I am aware – analyzes and reports on lending by subprime lenders. It is therefore important to emphasize that although all predatory loans are subprime, only a fraction of subprime loans are predatory. While …

Changing Patterns X: Mortgage Lending To Traditionally Underserved Borrowers And Neighborhoods In Greater Boston, 1990-2002, 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 this year’s report, the geographic coverage has been further expanded t o include a total of 108 communities.

This introduction is followed by ten pages of text that identify some of the most significant findings that emerge from the extensive set of tables and charts that constitute the …

The Tourist Experience In Boston, 1848-1910: American History, Middle-Class Leisure And The Development Of Urban Tourism, Hillary Corbett

American Studies Graduate Final Projects

This project analyzes a selection of representative guidebooks produced between 1848 and 1910, to illustrate the development of a tourist industry in Boston and to indicate how the changing nature of the city influenced a similar change in the tourist experience. It also provides the necessary context in which to place this narrative. Part I introduces two key elements essential to understanding the relevance of urban tourism in Boston: the city’s experiences with the national phenomena of electrification and urban planning in the mid- to late-nineteenth century, and Boston’s distinctive role in nineteenth-century America’s developing national identity and history. In …

Characteristics Of Homeless Individuals Accessing Massachusetts Emergency Shelters, 1999-2001, Tatjana Meschede, Michelle Kahan, Michelle Hayes, Donna Friedman

Center for Social Policy Publications

The Center for Social Policy (CSP) at the McCormack Institute, University of Massachusetts Boston oversees the Connection, Service, and Partnership through Technology (CSPTech) project. CSPTech operates a homeless management information system being implemented throughout the Commonwealth. Founded in 1995, this project is a networked computerized record-keeping system that allows homeless service providers across Massachusetts to collect uniform client information over time. This information is aggregated in a database used by service providers, advocates, government officials, researchers, and people experiencing homelessness. Analysis of this information is critical to efforts to understand the extent of this problem in Massachusetts in an attempt …

A Snapshot Of Individuals And Families Accessing Boston's Emergency Homeless Shelters, 1997, Donna Friedman, Michelle Hayes, John Mcgah, Anthony Roman

Center for Social Policy Publications

This document summarizes key findings from a survey conducted on March 19, 1997 with 338 homeless individuals and 94 families sheltered or served by 33 of 40 shelter programs in the City of Boston. The data presented in this report were collected at one point in time. Point in time data results in an overrepresentation of the "longer term" homeless, and offers limited insight regarding the structural dynamics underlying movement from homelessness to residential stability (Culhane, Lee, Wachter, 1996; White, 1996). However, it does provide a snapshot of the men, women, and children who were spending the night in a …

Shelter Poverty: Housing Affordability Among Asian Americans, Michael E. Stone

Institute for Asian American Studies Publications

Relatively little research has been conducted that focuses on the housing situation of Asian and Pacific Islander Americans (hereafter generally referred to as Asian Americans), especially on the national level. From a review of about 30 articles and reports over the past decade that examine racial/ethnic housing situations nationally, only one specifically addressed housing problems of Asian Americans (Hansen, 1986) while two others included Asian Americans along with other populations of color. Of the remaining articles, most used the terms race, racial discrimination, or segregation in their titles, yet did not include Asian Americans in the studies. Of particular note, …

Commonwealth's Choice: Results From The Massachusetts Public Opinion Survey, Barry Bluestone, Mary Ellen Colten, Thomas Ferguson

John M. McCormack Graduate School of Policy and Global Studies Publications

From November 11 through December 4, 1989, the Center for Survey Research of the University of Massachusetts at Boston conducted a random digit dial survey of adults aged 18 and over in Massachusetts. A total of 423 individuals were interviewed in a sampling procedure that yielded a 63 percent response rate. In contrast to most media polls, this survey was carried out over a period of four weeks permitting extensive efforts at locating and interviewing difficult-to-reach, reluctant, or less interested respondents. This survey is likely to be more representative of the true population of Massachusetts than most state polls.

Black And White Perceptions Of Quality Of Life In Boston, Floyd J. Fowler Jr.

Center for Survey Research Publications

It is difficult, probably impossible, to compare objectively the seriousness of racial problems and tensions in Boston with those in other cities. However, there can be little doubt that there is a widespread perception that relationships between blacks and whites in Boston constitute a serious problem. Specifically, one image is that Boston is a community in which blacks are not welcome and in which they are treated with unusual hostility and abuse. Another image is that whites in Boston are unfairly maligned as racists and bigots.

In 1980, following several race-related incidents, The Boston Committee was formed. The purpose of …

Job Satisfaction Of Home Care Case Managers: An Evaluative Look At One Home Care Corporation, Scott A. Bass, Richard Rowland

Gerontology Faculty Publication Series

Senior Home Care Services — Boston III, Inc. is a six year old private non-profit corporation with an annual budget of nearly $5 million. The agency currently delivers services to approximately 2,500 functionally impaired senior citizens per month in the Boston neighborhoods of South Boston, East Dorchester/Mattapan, East Boston, Beacon Hill, West End, North End, Charlestown, and South Cove. Over 5 7% of the case management staff has worked at the agency less than one year and 92.9% of the case management staff has worked at SHC for less than two years. The high turnover rate is well known to …