The Distribution and Social Impact of Mortgage Foreclosures in the United States

SES-0937219Andrew A.贝弗里奇埃琳娜VesselinovCUNY皇后学院“这个奖项是根据2009年美国复苏和再投资法案（公法111-5）资助。“这个项目的重点是了解丧失抵押品赎回权对美国社区的影响。 我们解决两组研究问题：1）哪些社区，社区和大都市地区受到止赎危机的打击最严重？社区的种族、民族和经济构成如何影响止赎的影响？三个理论模型可以帮助我们解释我们的研究结果：地方分层模型，空间同化模型和民族社区模型。 基于地方分层模型的预期是，非洲裔美国人的社区，以及其他肤色较深的少数民族，包括一些拉丁美洲人，来自加勒比海的移民和一些来自南亚的移民，将受到止赎危机的最严重打击。 根据空间同化模型，我们预计，社会经济地位较高的少数民族的社区将受到类似的社会经济地位的白人社区。最后，种族社区模型假定，富裕的少数民族社区将比可比的白人社区受到更少的影响。该项目基于为我们的特定目标构建的独特数据集，其中包含美国所有止赎的地理参考信息，这些信息将定义止赎模式。 为了分析这些数据，我们将止赎信息与2000年人口普查的数据、2005年至2008年美国社区调查的数据以及2000年至2008年《住房抵押贷款披露法》备案的数据相结合。这个项目的重要性和更广泛的影响是双重的。首先，我们将能够确定和检查社区的社会特征，已受到最严重的打击，在整个美国的丧失抵押品赎回权的危机。第二，我们将通过Social Explorer（www.socialexplorer.com）向公众提供止赎地图和一些止赎数据，Social Explorer是一个受欢迎的人口统计网站，去年访问者通过该网站制作了280多万张地图和25万多份报告。

SES-0937219Andrew A. BeveridgeElena VesselinovCUNY Queens College"This award is funded under the American Recovery and Reinvestment Act of 2009 (Public Law 111-5)."This project focuses on understanding the impact of foreclosures on neighborhoods in the United States. We address two sets of research questions: 1) Which neighborhoods, communities, and metropolitan areas have been hit hardest by the foreclosure crisis? and 2) How does neighborhood racial, ethnic and economic composition affect the impact of foreclosures? Three theoretical models will help us interpret the results of our research: the place stratification model; the spatial assimilation model; and the ethnic community model. The expectations based on the place stratification model are that the neighborhoods of African Americans, as well as other minorities who are darker complexioned, including some Latinos, immigrants from the Caribbean and some from South Asia, will be hit the hardest by the foreclosure crisis. Following the spatial assimilation model, we expect that the neighborhoods of minorities of higher socio-economic status will be as affected as neighborhoods of whites of similar socio-economic status. Finally, the ethnic community model posits that the neighborhoods of better off minorities will be less affected than the neighborhoods of comparable whites.The project is based on a unique dataset constructed for our specific aims, with georeferenced information for all foreclosures in the United States, which will define the foreclosure patterns. To analyze them we are combining the foreclosure information with data from the 2000 Census, as well as data from the 2005 through 2008 American Community Surveys, and data from the 2000 through 2008 Home Mortgage Disclosure Act filings. The significance and the broader impact of this project are two-fold. First, we will be able to determine and examine the social characteristics of neighborhoods that have been hardest hit by the foreclosure crisis throughout the United States. Second, we will make the foreclosure maps and some of the foreclosure data available to the public through Social Explorer (www.socialexplorer.com), a popular demographics website through which visitors made more than 2.8 million maps and over 250,000 reports in the last year.