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PD&R Staff Working Papers

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PD&R staff working papers provide preliminary analyses and have not completed HUD’s clearance process or undergone peer review. Their final published version (in academic journals or elsewhere) may be significantly altered from the version posted on this website. The contents of these working papers are the views of the author and do not necessarily reflect the views or policies of the U.S. Department of Housing and Urban Development or the U.S. Government.



Working Paper Year Categories
The Benefits of Environmental Improvement: Estimates From Space-time Analysis
May 2010 - Working Paper (REP 10-02)
Author(s) - John I. Carruthers; David E. Clark; Robert N. Renner 		2010 Economic Development and Public Finance; Community and Economic Development
The Impact of Mortgage Disclosure Reform
February 2009 - Working Paper (REP 09-04)
Author(s) - Harold Bunce; Alastair McFarlane; William J. Reid; Kurt Usowski 		2009 Economic Development and Public Finance; Community and Economic Development
The American Way of Land Use: A Spatial Hazard Analysis of Changes Through Time
August 2010 - Working Paper (REP 09-03)
Author(s) - John I. Carruthers; Selma Lewis; Gerrit-Jan Knaap; Robert N. Renner 		2010 Economic Development and Public Finance; Community and Economic Development
Inclusionary Zoning and the Development of Urban Land
May 2009 - Working Paper (REP 09-02)
Author(s) - Alastair McFarlane 		2009 Economic Development and Public Finance; Community and Economic Development
The Plane of Living and the Pre-crisis Evolution of Housing Values in the United States
September 2010 - Working Paper (REP 09-01)
Author(s) - John I. Carruthers; Gordon F. Mulligan 		2010 Economic Development and Public Finance; Community and Economic Development
The Impact of HOPE for Homeowners Program Rule
October 2008 - Working Paper (REP 08-04)
Author(s) - Alastair W. McFarlane; Edward Szymanoski; Kurt G. Usowski 		2008 Economic Development and Public Finance; Community and Economic Development
Coming Undone: A Spatial Hazard Analysis of Urban Form in American Regions
October 2008 - Working Paper (REP 08-03)
Author(s) - John I. Carruthers; Selma Lewis; Gerrit-Jan Knaap; Robert N. Renner 		2008 Economic Development and Public Finance; Community and Economic Development
Does State Growth Management Change the Pattern of Urban Growth? Evidence from Florida
March 2009 - Working Paper (REP 07-02)
Author(s) - Marlon G. Boarnet; Ralph B. McLaughlin; John I. Carruthers 		2009 Economic Development and Public Finance; Community and Economic Development
Valuing Environmental Quality: A Space-based Strategy
May 2009 - Working Paper (REP 07-01)
Author(s) - John I. Carruthers; David E. Clark 		2009 Economic Development and Public Finance; Community and Economic Development
The Role of Geographic Proximity And Industrial Structure In Metropolitan Area Business Cycles
September 2003 - Working Paper (REP 06-01)
Author(s) - Michael Hollar; Anthony Pennington-Cross; Anthony Yezer 		2003 Economic Development and Public Finance; Community and Economic Development
Does “Smart Growth” Matter to Public Finance?
June 2007 - Working Paper (REP 06-02)
Author(s) - John I. Carruthers; Gudmundur F. Úlfarsson 		2007 Economic Development and Public Finance; Community and Economic Development
Industrial Diversity and Agglomeration Economies
August 2006 - Working Paper (REP 06-03)
Author(s) - Michael Hollar 		2006 Economic Development and Public Finance; Community and Economic Development
Human Capital, Quality of Life, and the Adjustment Process in American Metropolitan Areas
February 2007 - Working Paper (REP 06-04)
Author(s) - John I. Carruthers; Gordon F. Mulligan 		2007 Economic Development and Public Finance; Community and Economic Development
Growth and Convergence in the Space Economy: Evidence from the United States
April 2008 - Working Paper (REP 06-05)
Author(s) - John I. Carruthers; Michael K. Hollar; Gordon F. Mulligan 		2008 Economic Development and Public Finance; Community and Economic Development
Environmental Valuation: Connecting Theory, Evidence, and Public Policy
February 2006 - Working Paper (REP 05-01)
Author(s) - John I. Carruthers; Gordon F. Mulligan 		2006 Economic Development and Public Finance; Community and Economic Development
Redevelopment Agencies in California: History, Benefits, Excesses, and Closure
January 2014 - Working Paper (EMAD-2014-01)
Author(s) - Casey Blount; Wendy Ip; Ikuo Nakano; Elaine Ng 		2014 Economic & Market Analysis; Affordable Housing
Impact of Oil and Gas Exploration on Affordable Housing
March 2014 - Working Paper (EMAD-2014-02)
Author(s) - Stephen Komadina; Timothy McNally; Samuel Young 		2014 Economic & Market Analysis; Affordable Housing
Temporary Loan Limits as a Natural Experiment in FHA Insurance
May 2016 - Working Paper (HF-021)
Author(s) - Kevin A. Park 		2016 Housing Finance
Same-Sex Marriage Laws and Demand for Mortgage Credit
February 2016 - Working Paper (HF-020)
Author(s) - Joshua J. Miller; Kevin A. Park 		2016 Housing Finance
The FHA Single-Family Insurance Program: Performing a Needed Role in the Housing Finance Market
December 2012 - Working Paper (HF-019)
Author(s) - Edward Szymanoski; William Reeder; Padmasini Raman; John Comeau 		2012 Housing Finance
The GSEs’ Funding of Affordable Loans: A 2004-05 Update
June 2007 - Working Paper (HF-018)
Author(s) - Harold L. Bunce 		2007 Housing Finance
Goal Performance and Characteristics of Mortgages Purchased by Fannie Mae and Freddie Mac, 2001-2005
May 2007 - Working Paper (HF-017)
Author(s) - Paul B. Manchester 		2007 Housing Finance
Are Rejected Households Credit-Constrained Or Simply Less Creditworthy?
July 2002 - Working Paper (HF-016)
Author(s) - Darryl E. Getter 		2002 Housing Finance
Goal Performance and Characteristics of Mortgages Purchased by Fannie Mae and Freddie Mac, 1998-2000
May 2002 - Working Paper (HF-015)
Author(s) - Paul B. Manchester 		2002 Housing Finance
Black and White Disparities in Subprime Mortgage Refinance Lending
April 2002 - Working Paper (HF-014)
Author(s) - Randall M. Scheessele 		2002 Housing Finance
The GSEs’ Funding of Affordable Loans: A 2000 Update
April 2002 - Working Paper (HF-013)
Author(s) - Harold L. Bunce 		2002 Housing Finance
The GSEs' Funding of Affordable Loans: A 1999 Update
December 2000 - Working Paper (HF-012)
Author(s) - Harold L. Bunce 		2000 Housing Finance
An Analysis of GSE Purchasing of Mortgages for African-American Borrowers and their Neighborhoods
December 2000 - Working Paper (HF-011)
Author(s) - Harold L. Bunce 		2000 Housing Finance
The Property Owners and Managers Survey and the Multifamily Housing Finance System
September 2000 - Working Paper (HF-010)
Author(s) - William Segal 		2000 Housing Finance
1998 HMDA Highlights
October 1999 - Working Paper (HF-009)
Author(s) - Randall M. Scheessele 		1999 Housing Finance
Do FHA Multifamily Mortgage Insurance Programs Provide Affordable Housing and Serve Underserved Areas? An Analysis of FHA’s Fiscal Year 1997 Book of Business and Comparison with the GSEs
October 1999 - Working Paper (HF-008)
Author(s) - Edward J. Szymanoski; Susan J. Donahue 		1999 Housing Finance
HMDA Coverage of the Mortgage Market
July 1998 - Working Paper (HF-007)
Author(s) - Randall M. Scheessele 		1998 Housing Finance
Characteristics of Mortgages Purchased by Fannie Mae and Freddie Mac, 1996-97 Update
August 1998 - Working Paper (HF-006)
Author(s) - Paul B. Manchester 		1998 Housing Finance
The GSEs' Funding of Affordable Loans: A 1996 Update
July 1998 - Working Paper (HF-005)
Author(s) - Harold L. Bunce; Randall M. Scheessele 		1998 Housing Finance
The GSEs' Purchases of Single-Family Rental Property Mortgages
March 1998 - Working Paper (HF-004)
Author(s) - Theresa R. DiVenti 		1998 Housing Finance
Characteristics of Mortgages Purchased by Fannie Mae and Freddie Mac, 1993-95
March 1998 - Working Paper (HF-003)
Author(s) - Paul B. Manchester; Sue George Neal; Harold L. Bunce 		1998 Housing Finance
The Multifamily Secondary Mortgage Market: The Role of Government-Sponsored Enterprises
March 1997 - Working Paper (HF-002)
Author(s) - William Segal; Edward J. Szymanoski 		1997 Housing Finance
The GSEs' Funding of Affordable Loans
December 1996 - Working Paper (HF-001)
Author(s) - Harold L. Bunce; Randall M. Scheessele 		1996 Housing Finance
CHAS Affordability Analysis
Working Paper
Author(s) - Paul Joice 		N/A Program Evaluation Division; Affordable Housing
Markov Chain Model of Rent Burden in the Housing Choice Voucher Program
July 2010 - Working Paper
Author(s) - Brent D. Mast 		2010 Program Monitoring and Research Division; Affordable Housing
Bayesian Hierarchical Model Estimates of Local Crime Perceptions
August 2009 - Working Paper
Author(s) - Brent D. Mast 		2009 Program Monitoring and Research Division; Housing Market Characteristics
Measuring Neighborhood Quality with AHS and CSS Data: A Bayesian Approach
August 2009 - Working Paper
Author(s) - Brent D. Mast 		2009 Program Monitoring and Research Division; Housing Market Characteristics