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Research Reports Indepth analysis of persistent problems in the field of community development. Woodstock's research reports contribute to the body of knowledge used by policymakers and community development practitioners.
DocumentsDate added
Who's Buying Where? The Second of Two Reports on Home Buying and Neighborhood Change (Maps)
02/12/2002
Daniel Immergluck and Geoff Smith
Maps supplement to full report
Daniel Immergluck and Geoff Smith
The focus of this report is an analysis of changes in home buying in the Chicago area among different income groups. We compared buyers in 1993 and 1994 (combined) to those in 1999 and 2000 (combined).
Daniel Immergluck and Geoff Smith
Maps supplement to full report.
Daniel Immergluck and Geoff Smith
This report examines the extent to which neighborhoods within the Chicago area have obtained significant levels of income and racial diversity in home buying and maintained such diversity over the 1990s. To do so, we compared compositions of buyers in neighborhoods across the metro area in 1993 and 1994 (combined) to those in 1999 and 2000 (combined). 
Two Steps Back: The Dual Mortgage Market, Predatory Lending and the Undoing of Community Development
11/15/1999
Daniel Immergluck and Marti Wiles
This report analyzes home refinance lending in the Chicago area and documents the extreme segmentation of mortgage markets by race and neighborhood. In the last few years, mortgage lending abuses - often called predatory lending - have become an increasingly critical issue for those working to promote community reinvestment and development.
Malcolm Bush, Sharyl Hudson, and Katy Jacob
This analysis concludes that current programs reach a small fraction of the population of lower income people. While the variety of training programs currently offered could be improved in a number of ways, the greater challenge is to figure out how to reach significantly more people with more substantive training. 
There Goes the Neighborhood: The Effect of Single-Family Mortgage Foreclosures on Property Values
06/14/2005
Daniel Immergluck and Geoff Smith
This report shows that foreclosures have a significant negative effect on neighborhood property values. Although foreclosures have long been considered a problem associated with FHA loan programs, recent research has shown that the explosion in foreclosures that began in the 1990s was primarily driven by the growth of high-risk, conventional subprime lending. Dan Immergluck, Grand Valley State University Examines the impact of foreclosures of single-family mortgages – both conventional and government guaranteed – on levels of violent and property crime at the neighborhood level. Sarah Duda and Tom Feltner Analysis of Circuit Court of Cook County filings by one large payday lending showing the shift from short-term loans, cover by Payday Loan Reform Act consumer protections, to longer-term installment loans not covered by the act. The report also looks at the debt collection process.
Marva Williams and Kimbra Neiman
Demonstrates that banks with a commitment to reach unbanked or under-banked households can do so effectively and efficiently. The report profiles programs and services at Banco Popular de Puerto Rico, Union Bank of California, First Bank of the Americas in Chicago, First Interstate Bank in Montana and Wyoming, and Wells Fargo Bank Wisconsin. These banks provide affordable checking or lifeline accounts, innovative financial literacy programs, and creative outreach and marketing strategies. |
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