Document Type

Research Report

Publication Date



The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded to include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In this year’s report, the geographic coverage has been further expanded t o include a total of 108 communities.

This introduction is followed by ten pages of text that identify some of the most significant findings that emerge from the extensive set of tables and charts that constitute the bulk of the report. The first of the two major parts of the textual portion of the report, together with Tables 1–11 and their associated charts, provides an analysis of lending in the city of Boston from 1990 through 2002. This analysis is subdivided into three sections which focus, in turn, on total lending within the city, on lending by major types of lenders, and on lending under four targeted mortgage programs.

The second major part of the text, together with Tables 12–20, examines detailed information on mortgage lending patterns in 108 individual communities – all 101 cities and towns in the Metropolitan Area Planning Commission (MAPC) Region plus the seven largest Massachusetts cities outside that region – as well as in four progressively larger geographic areas: the MAPC Region as a whole, the Boston Metropolitan Statistical Area (MSA) which has 127 cities and towns, the newly-defined Boston-Cambridge-Quincy New England Metropolitan City and Town Area (Boston NECTA) which has 155 cities and towns, and the entire state (351 cities and towns). Table 12 is preceded by maps of the MAPC Region, the Boston MSA, and the Boston NECTA.


Prepared by the Gaston Institute at the University of Massachusetts Boston for the Massachusetts Community and Banking Council (MCBC).



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