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Author:Di, Wenhua 

Journal Article
Spotlight: Texas subprime mortgages: metros vary on risky loans--and delinquencies

The current financial crisis has brought a severe decline in subprime mortgage lending. Like the nation, Texas and its metros still have exposure to existing loans. Housing prices, unemployment and overall economic activity will play a significant part in determining how many of them run into trouble.
Southwest Economy , Issue Q1 , Pages 7

Journal Article
Parental Borrowing for College Comes with Repayment Issues

As the cost of college continues to rise, parents are increasingly taking out federally backed loans to help make ends meet for their children. Parents, while often more adept at managing debt, assume some of the financial risks of their offspring who are seeking higher education.
Southwest Economy , Issue Q3 , Pages 14-17

Journal Article
Texas sees postrecession turnaround in rental housing market

Banking and Community Perspectives , Issue 3 , Pages 3-5

Journal Article
Subprime Mortgage Performance by Metro Area

Dallas-Fort Worth-Arlington and Houston-Sugar Land-Baytown lead the state with the most securitized, owner-occupied subprime mortgages. These two metros also have a much larger number of problematic loans compared with other Texas metros.
e-Perspectives , Volume 8 , Issue 2

Journal Article
Spotlight: Educational opportunity: Does low-income housing tax credit hurt nearby schools?

The largest federal program designed to increase the rental housing supply for poor working families helps them find living space in decent neighborhoods with good schools. It also encounters frequent neighborhood opposition.
Southwest Economy , Issue Q1 , Pages 15

Journal Article
Federal COVID-19 Relief Aided Consumer Debt, Though Immigrant Texans Derived Less Benefit

U.S. and Texas residents shored up their household finances during the COVID-19 recession. The prevalence of various federal-level assistance programs helped boost savings and broadly reduce debt. Among mostly immigrant groups, this tendency was less pronounced, likely due to legal and socioeconomic barriers.
Southwest Economy , Issue Second Quarter

Discussion Paper
Student loans part 1: get the numbers right

Perspectives , Paper 10

Journal Article
Texas Housing and Mortgage Update

Texas and other areas in the Eleventh District did not experience a drastic home appreciation or expansion of exotic mortgages in the lead-up to the recent recession; therefore, the region did not get into a mortgage crisis as severe as in some other parts of the nation (Figure 1). However, the region has not been immune to the consequences of the financial system turmoil and the economic slowdown.
e-Perspectives , Volume 11 , Issue 2

Diverse, Resilient Houston Looking at Moving Beyond Traditional Energy Base

Dallas Fed President Lorie K. Logan met with Houston business and community leaders earlier this month in the first of 12 stops on her 360° in 365 Listening Tour.Di
Dallas Fed Economics

Journal Article
Texas enterprise zone benefits for poor prove elusive

The Texas Enterprise Zone Program does not appear to benefit the financial well-being of residents. An examination of the state program suggests that at best, there is a modest positive impact on the repayment of retail loans.
Southwest Economy , Issue Q3 , Pages 3-6

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