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Full-Text Articles in Social and Behavioral Sciences

Changing Patterns Xiv: Mortgage Lending To Traditionally Underseved Borrowers & Neighborhoods In Boston, Greater Boston And Massachusetts, 2006, Jim Campen Feb 2008

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 well as on data on population and income from the 2000 census and annual data on metropolitan area income levels from the Department of Housing and Urban Development. The report is restricted to first-lien loans for owneroccupied homes and gives particular attention to higher-cost loans, identified in HMDA data as having annual percentage rates (APRs) at least three percentage points higher than the current interest rate on long-term U.S. Treasury bonds; these loans are referred to in this report as high-APR loans, or HALs.

Readers interested in additional detail will want to investigate the forty-eight pages of tables that follow the body of the report; these may be particularly useful for those interested in lending patterns in a particular community or region of the state.


Cyberbullying & Bullying In Massachusetts: Frequency & Motivations, Elizabeth Englander Jan 2008

Cyberbullying & Bullying In Massachusetts: Frequency & Motivations, Elizabeth Englander

MARC Publications

This brief reports on the major findings of the studies conducted in the Massachusetts Aggression Reduction Center during the years 2006 to 2008. Detailed analyses are omitted but general findings are displayed and explained. The data deals primarily with cyberbullying, but some data related to bullying behaviors is reported. The findings are separated by study. Two studies are reported upon here: a survey of 334 college freshman and a survey of 178 K-12 educators from public schools across the Commonwealth. A third study, of 75 pediatricians in Massachusetts, will be discussed under separate cover. The findings from the two studies ...