Changing Patterns

The black share of conventional home-purchase loans in Boston has fallen by over 40% in the last six years so that in 2014 they received only 3.6% of all loans in the city although they constitute 21.0% of all households. In seven of the city’s twenty major neighborhoods not a single home-purchase loan was made to a black borrower.

More positively, the implementation of the Massachusetts’s unique CRA for Mortgage Lenders law appears to have had a favorable impact on the relative performance of independent mortgage companies in serving traditionally underserved borrowers and neighborhoods in Boston, Greater Boston, and Massachusetts.

Changing Patterns XXII: Mortgage Lending to Traditionally Underserved Borrowers & Neighborhoods in Boston, Greater Boston and Massachusetts 2014, provides an analysis of area lending patterns. Changing Patterns XXII was prepared for MCBC by Jim Campen, professor emeritus of economics at UMass Boston and longtime MAHA board member.

Past Year Reports:

Changing Patterns XXI
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
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