An Analysis of Residential Lending Patterns in Benton Harbor and St. Joseph, Michigan

Daniel Immergluck and Marti Wiles

Examines home lending patterns in the Benton Harbor-St. Joseph area. Identifies possible lending disparities and community credit needs. Highlights ways to improve access to affordable mortgage credit for low-and moderate-income community residents, particularly those in Benton Harbor. Includes recommendations for local planning and action.