Obstructing the American Dream
Homeownership Denied and Neighborhood Crime
Bibliographic Data
| ID | 21633656 |
|---|---|
| Authors | Eileen M Kirk (0000-0001-8968-9155, Northeastern University, corresponding author) |
| Year | 2023 |
| Volume | 33 |
| Issue | 2 |
| Pages | 358-378 |
| Publication date | 2023-03-04 |
| Peer Reviewed | Yes |
| Open Access | No |
| Type | ARTICLE |
| Venue | Housing Policy Debate (JOURNAL) |
| Journal identifiers | ISSN: 1051-1482 • E-ISSN: 2152-050X |
| Publisher | Informa UK Limited (PUBLISHER • GB) |
| DOI | 10.1080/10511482.2020.1793794 |
| OpenAlex | W3049374619 |
| Language | EN |
| Citations received | 5 |
| References cited | 62 |
A persistent goal of United States housing policy is homeownership, an achievement emblematic of the American Dream. Homeownership also plays an essential role in stabilizing communities and protecting neighborhoods from crime, as documented in the extensive communities and crime literature. For most Americans, homeownership is achieved via mortgage lending, but few studies examine the link between housing policy and crime. The present study investigates an unexplored aspect of mortgage lending which is concentrated in disadvantaged communities of color: mortgage denials. In this analysis of Boston, Massachusetts, neighborhoods, results demonstrate that mortgage denials have a positive relationship with neighborhood crime and that this relationship is partially explained by the impact of mortgage denials on community social problems. The concluding discussion proposes that mortgage denials contribute to neighborhood marginalization and estrangement. Policy implications address the Community Reinvestment Act and access to lenders, and areas of future research are also discussed
Civil rights · Collateralized mortgage obligation · Community Reinvestment Act · Criminology · Disadvantaged · Dream · Economic growth · Economics · Fair Housing Act · Foreclosure · General insurance · Insurance policy · Mortgage insurance · Political science · Shared appreciation mortgage · Sociology · Crime Patterns and Interventions · Homelessness and Social Issues · Law · Psychology · Urban, Neighborhood, and Segregation Studies · Finance
Effect of crime on housing tenure
Investment and crime on residential street segments
Zoning Out Robbery? An Empirical Study in Mexico City
Investigating the Influence of Associated Risks, Rewards, and External Intervention on Homeownership in Hong Kong, China
Guyanese Immigration, Homeownership, and Crime in Schenectady, NY
American Apartheid
Crime and the American Dream
Race for Profit
The Color of Money
Metropolitan Segregation and the Subprime Lending Crisis
Racial Dynamics of Subprime Mortgage Lending at the Peak
Mediation
A general approach to causal mediation analysis.
The color of law
Delinquent Boys
Social Structure and Anomie
Toward a Theory of Race, Crime, and Urban Inequality
The Color of Credit
Chasing the American Dream
Privileged Places
Block Crime and Fear
A General Strain Theory of Community Differences in Crime Rates
Making or Breaking Neighborhoods
Bank Lending to Minority and Low-Income Households and Neighborhoods
Deflating the Dream
Evicted. Poverty and profit in the American city
The Impact of Single-family Mortgage Foreclosures on Neighborhood Crime
Fear of Crime and Neighborhood Change
Color and Money
Foreclosure, vacancy and crime
Do foreclosures cause crime
On the Large-Sample Estimation of Regression Models with Spatial- Or Network-Effects Terms
A Multicity Neighborhood Analysis of Foreclosure and Crime
The Personal Costs of Subprime Lending and the Foreclosure Crisis
Racial Stratification and the Durable Tangle of Neighborhood Inequality
Neighborhood Housing Investments and Violent Crime in Seattle, 1981–2007
Foundation for a General Strain Theory of Crime and Delinquency
Directly Intervene or Call the Authorities? A Study of Forms of Neighborhood Social Control Within a Social Disorganization Framework
Neighborhood Inequality, Collective Efficacy, and the Spatial Dynamics of Urban Violence
The Political Economy of Neighbourhood Homicide in Chicago
Social Structure and Anomie
The American Mortgage in Historical and International Context
Labor Stratification and Violent Crime
The Racial Structuring of the Housing Market and Segregation in Suburban Areas
Racialization and the State
The Changing Face of Inequality in Home Mortgage Lending
Retaliatory Homicide
Differential Benefits
Disposable Ties and the Urban Poor
A Consumers' Republic
Foreclosures and crime
| Unique citing works | 5 |
|---|---|
| Citations per year | 1 |
| Citation span | 2021 - 2024 (4) |
| Citation velocity | recent |
| Highly cited | No |
| Citation types | Neutral: 3 |