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Abstract
In this pilot study, research was conducted to explore the application of GIS technology to residential mortgage default. The purpose of this study was to examine the relationship between foreclosure rates and neighborhood characteristics in a metropolitan county in Utah. Neighborhood was defined as a discrete spatial entity that contains households and housing structures with similar characteristics, and is equivalent to a census tract. Regression analysis indicated that characteristics such as proportion of household units with second mortgages and racial composition of census tracts explained 80% of the variance of foreclosure rates among the communities. The geo-mapping analysis of Cache County showed that foreclosure rates were spatially differentiated. Clusters of foreclosures were prominent in the southwestern portion of the county.
Additional information
Notes on contributors
Lucy Delgadillo
Lucy Delgadillo is Assistant Professor and Luke Erickson is a Graduate Student, Department of Family, Consumer and Human Development, Utah State University, Logan, UT.
Luke Erickson
Lucy Delgadillo is Assistant Professor and Luke Erickson is a Graduate Student, Department of Family, Consumer and Human Development, Utah State University, Logan, UT.
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