Changing Patterns

Blacks in Boston make up 21% of households but received only 4% of conventional home-purchase loans in the city, according to a new report on mortgage lending patterns by the Massachusetts Community & Banking Council (MCBC). Latinos made up 14% of Boston households but received only 3% of conventional home-purchase loans. However, positive impacts in the relative performance of licensed mortgage lenders were seen for the first time in 2013 from the implementation of the Mortgage Lender Community Investment regulation.

Changing Patterns XXI: Mortgage Lending to Traditionally Underserved Borrowers & Neighborhoods in Boston, Greater Boston and Massachusetts 2013, provides an analysis of area lending patterns, as well as data for each of the state's thirty-three largest cities and towns. Changing Patterns XXI was prepared for MCBC by Jim Campen, professor emeritus of economics at UMass Boston and longtime MAHA board member.

Past Year Reports:

Changing Patterns XX
Changing Patterns XIX
Changing Patterns XVIII
Changing Patterns XVII
Changing Patterns XVI
Changing Patterns XV
Changing Patterns XIV
Changing Patterns XIII


Massachusetts Affordable Housing Alliance
1803 Dorchester Avenue
Dorchester, MA 02124
By email:
By phone: 617-822-9100
By fax: 617-265-7503