Journal Article
Home Mortgage Disclosure Act: new pricing data
Reade, Julia (2006-04)
In fall 2005, the Board of Governors of the Federal Reserve System published its first study of the new Home Mortgage Disclosure Act (HMDA) interest-rate data. The study included extensive national analyses of mortgage pricing patterns across racial and ethnic groups. The findings confirmed a commonly held belief about mortgage prices: Traditionally underserved minority groups were more likely than other populations to pay higher prices for mortgages. In general, the findings hold for New England.
Communities and Banking , Issue Spr , Pages 24-26

Journal Article
Taking stock of the Community Reinvestment Act
Reade, Julia (2002-10)
Over the past 25 years, the Community Reinvestment Act has been found to expand access to mortgage credit. But the banking world keeps evolving. Lending gains were strong during the 1990s, yet disparities still exist. This article provides highlights of an important paper that was produced by Harvard University on CRA's silver anniversary.
Communities and Banking , Issue Fall , Pages 14-17

Discussion Paper
Understanding foreclosures in Massachusetts
Borgos, Ricardo; Chakrabarti, Prabal; Reade, Julia (2007)
Recent increases in foreclosure rates in New England and other parts of the United States are raising concerns. Distressful for individual borrowers and potentially destabilizing for their communities, the negative effects of foreclosures flow beyond the impact on housing markets and the financial consequences for creditors. Public officials, lenders, current and potential homeowners, community organizations, and other stakeholders are paying careful attention. ; In low- and moderate-income communities in New England, community leaders view current trends as especially worrisome. Among ...
Public and Community Affairs Discussion Papers , Paper 2007-1

Journal Article
Testing for housing discrimination: findings from a HUD study of real estate agents
Reade, Julia (2003-04)
Working with a real-estate agent is typically one of the first steps people take when looking to rent an apartment or buy a home. To determine whether people of certain races and ethnicities are treated differently during this process, HUD sponsored a nationwide Housing Discrimination Study. Julia Reade highlights findings.
Communities and Banking , Issue Spr , Pages 10-15

Journal Article
Massachusetts mortgage summit issues recommendations
Reade, Julia (2007)
In April 2007, the Massachusetts Division of Banks reported on the recommendations of its mortgage summit. The summit brought together a wide range of stakeholders to develop concrete responses to the problem of rising foreclosures. This article describes the collaborative process used in the mortgage summit and the recommendations issued. These recommendations illustrate a number of possible remedies to limit foreclosures and their impact on consumers and communities.
New England Community Developments

Journal Article
Mapping New England: the caregiver crunch
Reade, Julia (2007-07)
The numbers of people over 85 are growing faster than the numbers of typical caregivers (women aged 25 to 44) and may mean a shortage of caregivers in some regions.
Communities and Banking , Issue Sum , Pages 8

Discussion Paper
Home Mortgage Disclosure Act (HMDA) home purchase data: summary for New England, 2003
Reade, Julia (2006)
This paper provides summary statistics for home purchase data collected under the Home Mortgage Disclosure Act in 2003. In addition to aggregate totals, patterns by income and race / ethnicity are also described. These analyses of HMDA data have been conducted to examine access to home purchase loans, while focusing on traditionally underserved populations ? low- and moderate- income (LMI) households and minorities. Overall lending activity has risen in recent years in New England, driven mainly by increasing volumes of applications from LMI and minority households. Although higher income ...
Public and Community Affairs Discussion Papers , Paper 2006-1

Journal Article
Mapping New England : largest immigrant groups in southern New England counties
Reade, Julia (2007-10)
Among Southern New England immigrants, the largest populations are from Portugal and Canada (each with about 100,000), followed by the Dominican Republic and Italy, with about 70,000 and 60,000, respectively.
Communities and Banking , Issue Fall , Pages 9