Cuyahoga County Foreclosure Project

State of Fair Housing in Northeast Ohio: April 2008
In April of 2008, the Housing Center published an updated State of Fair Housing in Northeast Ohio report. Click here to download the report.

Continued Growth in Payday Lending Report - March 2008
This report provides updated information on payday lending and check cash lending locations in Ohio and nationwide that have exploded in the past decade. These shops offer short-term, high-interest loans against a future paycheck. Fees in Ohio are usually $15 for every $100 borrowed for a two-week period, which amounts to an annual percentage rate of 391 percent. This study from the Housing Research & Advocacy Center and Policy Matters Ohio analyzed data on Ohio payday lending locations from the Ohio Department of Commerce. Click here to view the full report.

Continued Racial and Ethnic Disparities in Ohio Mortgage Lending - March 2008
This report examines mortgage lending applications and originations for the State of Ohio and its seven largest metropolitan statistical areas (MSAs) – the Akron, Cincinnati, Cleveland, Columbus, Dayton, Toledo, and Youngstown MSAs – to determine if there are racial and/or ethnic disparities in who is denied mortgage loans and, for those who obtain loans, who receives “high-cost” loans. The data reveal disparities in mortgage lending based on both race and ethnicity. Moreover, an examination of the income levels of applicants reveals that these disparities exist regardless of income. Click here to view this report.

Local Occupancy Codes in Northeast Ohio - November 2007
In November of 2007, the Housing Center published a report that provides basic information on occupancy codes in every city and village in the 6 county region of Northeast Ohio. Click here to view the report.

City of Cleveland Community Lending Factbook - July 2007
In July of 2007, the Housing Center published a report that provides basic information on home mortgage lending in the City of Cleveland and each of the 36 Statistical Planning Areas of the City.
Click here to view the report. Click here to view the Power Point presentation from our August 14, 2007 Cleveland Lending Factbook Briefing.

Cuyahoga County Community Lending Factbook - May 2007
In 2006, the Housing Center received funding from the Board of Cuyahoga County Commissioners to produce a report that provides basic information on home mortgage lending in the County and each of the 58 cities and villages that make up Cuyahoga County, Ohio. Click here to view the report.

State of Fair Housing in Northeast Ohio: April 2007
In April of 2007, the Housing Center published an updated State of Fair Housing in Northeast Ohio report. Click here to download the report.

Trapped in Debt: The Growth of Payday Lending in Ohio - February 2007
The number of payday lending or check cash lending locations in Ohio and nationwide has exploded in the past decade. These shops offer short-term, high-interest loans against a future paycheck. Fees in Ohio are usually $15 for every $100 borrowed for a two-week period, which amounts to an annual percentage rate of 391 percent. This study from the Housing Research & Advocacy Center and Policy Matters Ohio analyzed data on Ohio payday lending locations from the Ohio Department of Commerce. Click here to view the full report.

Racial and Ethnic Disparities in Ohio Mortgage Lending - November 2006
This report examines mortgage lending applications and originations for the State of Ohio and its seven largest metropolitan statistical areas (MSAs) – the Akron, Cincinnati, Cleveland, Columbus, Dayton, Toledo, and Youngstown MSAs – to determine if there are racial and/or ethnic disparities in who is denied mortgage loans and, for those who obtain loans, who receives “high-cost” loans. The data reveal disparities in mortgage lending based on both race and ethnicity. Moreover, an examination of the income levels of applicants reveals that these disparities exist regardless of income. Click here to view this report.

State of Fair Housing in Northeast Ohio: April 2006
There are over 33,000 instances of housing discrimination a year against African Americans, Hispanics/Latinos, and Asian and Pacific Islanders in Northeast Ohio. This report further provides a comprehensive analysis of local fair housing ordinances, housing segregation, and offers recommendations for improvement. Click here for more information.

The City of Cleveland Report - November 2004
The Housing Center was subcontracted through Housing Advocates, Inc. to complete a lending analysis for the City of Cleveland, through the Home Ownership Assistance Project funded by Cleveland City Council. Download a Copy of the Analysis of the Lending Patterns in The City of Cleveland

The Southeast Suburbs Report - June 2004
As part of a contract with Cuyahoga County Department of Development, the Housing Center was commissioned to complete an analysis of the lending patterns in the Southeast Suburbs of Cuyahoga County. The Housing Center examined the bank deposits at all depository institutions physically located in Bedford, Bedford Heights, Maple Heights, Garfield Heights, Warrensville Heights, North Randall and Orange Village. The report also examines the market share and origination rates of the top ten home purchase and refinancing lenders in the region. Download a Copy of the Analysis of the Lending Patterns in Southeast Suburbs

Cuyahoga County Foreclosure Project - December 2003
In April of 2002, Housing Research & Advocacy Center began to do a comprehensive study of foreclosure filings in Cuyahoga County beginning with the year 1997. In Cuyahoga County, all foreclosures are handled at the Cuyahoga County Court of Common Pleas through the Magistrates Department. In 1997, 3,867 cases were referred to the Magistrates Department and by 2001, 7,161 cases were referred to the Department (85% to 90% of cases referred are foreclosures). The years in between reflect a steady increase with an enormous expansion by 2001. For this study, we will be looking at a sample of the files in 1997, 1999 and 2001. Our sample data will include: prime/subprime loan, interest rate, location of property, number of times refinanced, amount financed, presence of balloon payment, and disposition of the property.

By looking at this type of data we hope to identify the effect of deregulation in the financial services industry is having on Cuyahoga County. We would be able to compare the proportion of prime and subprime foreclosures and hopefully, be able to isolate some predatory lending practices from the prime and subprime loans. With our mapping capabilities we will be able to illustrate the data in a meaningful way, showing the location of foreclosures throughout the county. Once this data has been collected and analyzed, The Housing Center hopes to use the information to better educate the public, elected officials and community organizations on issues related to lending patterns and access to credit. In addition, we hope to maximize our efforts in promoting equal access to credit and educating consumers on how best to finance their homeownership needs. Download a Copy of The Foreclosure Report