Residential security maps and neighborhood appraisals - The Home Owners' Loan Corporation and the case of Philadelphia
Residential security maps and neighborhood appraisals - The Home Owners' Loan Corporation and the case of Philadelphia
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DOI：
10.1215/01455532-29-2-207
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发表时间：
2005-06-01
影响因子：
0.8
通讯作者：
Hillier, AE
中科院分区：
文献类型：
--
作者：
Hillier, AE
应住房贷款银行委员会的要求，房主贷款公司（HOLC）为1935年至1940年期间的全国城市绘制了彩色编码地图，以表明长期真实的房地产投资的风险水平。参与这一城市调查计划标志着脱离了HOLC最初的使命，即在紧急情况下向在大萧条期间面临失去家园风险的房主提供新的抵押贷款。本文探讨了HOLC制作这些地图的原因，HOLC是如何创建这些地图的，以及地图上等级的基础是什么。地理信息系统和空间回归模型显示，种族组成是一个显着的预测地图等级，控制住房特征。
At the request of the Home Loan Bank Board, the Home Owners' Loan Corporation (HOLC) created color-coded maps for cities across the country between 1935 and 1940 that indicated risk levels for long-term real estate investment. Involvement in this City Survey Program marked a departure from the original mission of HOLC to provide new mortgages on an emergency basis to homeowners at risk of losing their homes during the Depression. This article considers why HOLC made these maps, how HOLC created them, and what the basis was for the grades on the maps. Geographic information systems and spatial regression models are used to show that racial composition was a significant predictor of map grades, controlling for housing characteristics.