References
- Apgar, W., & Duda, M. (2004). Mortgage foreclosure trends in Los Angeles: Patterns and policy issues. Los Angeles: Neighborhood Housing Services.
- Apgar, W. C, Jr., & Herbert, C. E. (2005). Subprime lending and alternative financial services providers: A literature review and empirical analysis [Abt.Associates Inc., Contract # C-OPC-21895 Task Order 9]. Washington, DC: U.S. Department of Housing and Urban Development, PD & R.
- Baxter, V., & Lauria, M. (2000). Residential mortgage foreclosure and neighborhood change. Housing Policy Debate, 11, 675-699.
- Belsky, E. S., & Drew, R. B. (2007). Taking stock of the nations rental housing challenges and a half century of public policy responses [Prepared for Revisiting rental housing: A policy summit]. Cambridge, MA: The Joint Center for Housing Studies of Harvard University.
- Bocian, D. G., Ernst, K. S., & Li, W. (2008). Race, ethnicity and subprime home loan financing. Journal of Economics and Business, 60, 110-124
- Bostic, R. W., & Lee, K. O. (2008). Homeownership: America’s dream [National Poverty Center Policy Brief #15, November 2008]. Ann Arbor, MI: National Poverty Center, University of Michigan.
- Bradford, C. (2002). Risk or race? Racial disparities and the subprime refinance market.: Washington, DC: Neighborhood Revitalization Project of the Center for Community Change.
- Bunce, H. L., Gruenstein, D., Herbert, C. E., & Scheessele, R. M. (2001). Subprime foreclosures: The smoking gun of predatory lending? Washington, DC: U.S. Department of Housing and Urban Development.
- Calem, P. S., Hershaff, J. E., & Wachter, S. M. (2004). Neighborhood patterns of subprime lending: Evidence from disparate cities, Housing Policy Debate, 15(A), 603-622.
- Carr, J. (2007). Responding to the foreclosure crisis. Housing Policy Debate, 18, 837-860.
- Carter, W. H., Schill, M. H., & Wachter, S. M. (1998). Polarization, public housing, and racial minorities in U.S. cities. Urban Studies, 35, 1889-1911.
- Coleman, M. IV, LaCour-Little, M., & Vandell, K. D. (2008). Subprime lending and the housing bubble: Tail wags dog? Journal of Housing Economics, 17, 272-290.
- Cotterman, R. F. (2001). Neighborhood effects in mortgage default fisk. Washington, DC: Office of Policy Development and Research, U.S. Department of Housing and Urban Development.
- Coulson, N. E., & Bond, E. W. (1990). A hedonic approach to residential succession. The Review of Economics and Statistics, 72, 433-444.
- Courchane, M. J., Surette, B. J., & Zorn, P. M. (2004). Subprime borrowers: Mortgage transitions and outcomes. Journal of Real Estate Finance and Economics, 29(4), 365-392.
- Crump, J., Newman, K., Belsky, E. S., Ashton, P., Kaplan, D., Hammel, D., & Wyly, E. (2008). Cities destroyed (again) for cash: Forum on the U.S. foreclosure crisis. Urban Geography, 29(8), 745-784.
- Ding, L., Ratcliffe,J., Stegman,M. A., &Quercia, R. G. (2008). Neighborhood patterns of high-cost lending: The case of Atlanta. Journal of Affordable Housing, 17(3), 193-217.
- Duncan, D. (2006). Fourth general session: Economic/Housing outlook [PowerPoint slides]. Retrieved from http://www.mortgagebankers. org/files/Conferences/2006/93rdAnnualConvention/MBA_DougDuncan4thGeneralSession_final.pdf
- Foreclosure-Response.org. (2009). Home Mortgage Disclosure Act indicators. Retrieved from http://www.foreclosure-response.org/maps_and_data/ hmda_data.html
- Foreclosure-Response.org. (2011). Metropolitan delinquency and foreclosure data, December 2010. Released April 28, 2011. Retrieved from http:// www.foreclosure-response.org/maps_and_data/metro_delinquency_data_tables.html
- Galster, G. C, & Mincy, R. (1993). Understanding the changing fortunes of metropolitan neighborhoods. Housing Policy Debate, 4, 303-352.
- Galster, G. C, Mincy, R. B., & Tobin, M. S. (1997). The disparate racial neighborhood impacts of metropolitan economic restructuring. Urban Affairs Review, 32, 797-824.
- Goldstein, I. (2004). Bringing subprime mortgages to market and the effects on lower-income borrowers. Cambridge, MA: Harvard University Joint Center for Housing Studies.
- Goldstein, L, McCullough, M., Parker, A., & Urevick-Ackelsberg, D. (2005). Mortgage foreclosure filings in Pennsylvania. Philadelphia: Reinvestment Fund. Retrieved from http://www.trfund.com/policy/PA_Foreclosures.htm
- Gramlich, E. M. (2007). Subprime mortgages: Americas latest boom and bust. Washington, DC: Urban Institute Press.
- Grover, M., Smith, L., & Todd, R. M. (2008). Targeting foreclosure interventions: An analysis of neighborhood characteristics associated with high foreclosure rates in two Minnesota Counties. Journal of Economics and Business, 60, 91-109.
- Guest, A. M. (1974). Neighborhood life cycles and social status. Economic Geography, 50, 228-243.
- Herzog, J. P., & Earley, J. S. (1970). Home mortgage delinquency and foreclosure. New York, NY: National Bureau of Economic Research.
- Immergluck, D. (2008). From the subprime to the exotic: Excessive mortgage market risk and implications for metropolitan communities and neighborhoods. Journal of the American Planning Association, 74, 59-76.
- Immergluck, D., & Smith, G. (2005). Measuring the effect of subprime lending on neighborhood foreclosures: Evidence from Chicago. Urban Affairs Review, 40(3), 362-389.
- Immergluck, D., & Smith, G. (2006). The external costs of foreclosure: The impact of single-family foreclosures on property values. Housing Policy Debate, 17(1), 57’-79.
- Kaplan, D. H., & Sommers, G. G. (2009). An analysis of the relationship between housing foreclosures, lending practices, and neighborhood ecology: Evidence from a distressed county. Professional Geographer, 61(1), 101-120.
- Keys, B. J., Mukherjee,T, Seru, A., & Vig, V. (2008). Did securitization lead to lax screening? Evidence from subprime loans 2001-2006. Retrieved from http://www.moodyskmv.com/conf08/papers/secur_lax_screening.pdf
- Kingsley, G. T, & Pettit, K. L. S. (2009). High-cost and investor mortgages: Neighborhood patterns. Washington, DC: Metropolitan Housing and Communities Center, Urban Institute.
- Koven, S. G., & Shelley II, M. C. (1989). Public policy effects on net urban migration. Policy Studies Journal, 17(4), 705-718
- Krivo, L. J., Peterson, R. D., Rizzo, H., & Reynolds, J. R. (1998). Race, segregation, and the concentration of disadvantage: 1980-1990. Social Problems, 45(1), 61-80.
- LaCour-Little, M. (2004). Equity dilution: An alternative perspective on mortgage default. Real Estate Economics, 32, 359-384.
- Lauria, M. (1998). A new model of neighborhood change: Reconsidering the role of white flight. Housing Policy Debate, 9, 395-424.
- Lauria, M., & Baxter, V. (1999). Residential mortgage foreclosure and racial transition in New Orleans. Urban Affairs Review, 34, 757-786.
- National Association of Realtors, Research Division. (2004). Rising foreclosure rates in Indiana: An explanatory analysis of contributingfactors. Retrieved from http://www.mibor.com/_pdfs/ForeclosureStudy2004.pdf
- Newman, K., & Wyly, E. K. (2004). Geographies of mortgage market segmentation: The case of Essex County, New Jersey. Housing Studies, 19(1), 53-83.
- Nichols, J., Pennington-Cross, A., & Yezer, A. (2005). Borrower self-selection, underwriting costs, and subprime mortgage credit supply. Journal of Real Estate Finance and Economics, 30(2), 197-219.
- Quercia, R., Stegman, M., & Davis, W. (2005). The impact of predatory loan terms on subprime foreclosures: The special case of prepayment penalties and balloon payments. Chapel Hill, NC: University of North Carolina-Chapel Hill, Center for Community Capitalism.
- RealtyTrac. (2008). Detroit, Stockton, Las Vegas post highest2007 metro foreclosure rates. February, 14, 2008. Retrieved from http://www.realtytrac.com/content/press-releases/detroit-stockton-las-vegas-post-highest-2007-metro-foreclosure-rates-3691
- Scheessele, R. M. (2002). Black and White disparities in subprime mortgage refinance lending. Housing Finance Working Paper Series, HF-014. Washington, DC: U.S. Department of Housing and Urban Development.
- Temkin, K., Johnson, J. E. H., & Levy, D. (2002). Subprime markets, the role of GSEs, and risk-based pricing. Prepared for the U.S. Department of Housing and Urban Development, Office of Policy Development and Research.
- The Columbus Dispatch. (2011). Historical annual unemployment rates 1967- 2010. Retrieved from http://www.dispatch.com/live/content/ databases/ community/unemployment.html
- U.S. Census Bureau. (2011). Cuyahoga County, Ohio QuickFacts. Retrieved from http://quickfacts.census.gov/qfd/states/39/39035.htmlU.S. Census Bureau. (2011). Franklin County, Ohio QuickFacts. Retrieved from http://quickfacts.census.gov/qfd/states/39/39049.html
- U.S. Department of Housing and Urban Development and the U.S. Department of the Treasury. (2000). Curbing predatory home mortgage lending. Washington, DC: Authors.
- Vandell, K. D. (1981). The effects of racial composition on neighborhood succession. Urban Studies, 18, 315-333.
- Wyly, E. K. (2002). Mortgaged metropolis: Evolving urban geographies of residential lending. Urban Geography, 23(1), 3-30.