Author: Kristen B. Crossney

Year of DDRG Award: 2004

Grantee University: State University of New Jersey

Dissertation Title: The Unintended Consequence of Predatory Lending: An Examination of Mortgage Lending in Philadelphia, Pennsylvania

Current Employment: Assistant Professor in Geography and Planning, West Chester University

Research Subject Areas: Housing and Mortgage Finance, Urban Redevelopment and Neighborhood Revitalization, Brownfields and Environmental Policy, Urban Planning and Policy, Spatial Analytical Methods

Biography:
Kristen B. Crossney has a 2006 Ph.D. in urban planning and policy development from Rutgers, the State University of New Jersey. She holds a master of arts degree in urban studies from Temple University, and a bachelor of science in geography and environmental systems from the University of Maryland-Baltimore County. Dr. Crossney’s research encompasses many facets of housing, in particular spatial patterns of predatory lending and the populations that are most at risk. Her work has been published in Housing Policy Debate, Urban Geography, The Environmentalist, Socioeconomic Planning Sciences, and The Professional Geographer. In her current research, Dr. Crossney focuses on the relationship between housing and mortgage opportunities in the urban landscape. This research is driven by two main lines of inquiry: the origins of the modern day mortgage; and predatory mortgage lending. Many of today’s mortgage market failures are extensions of the early mortgage market, as well as the unintended consequences of regulation that sought to minimize these issues. Dr. Crossney is interested in how access to capital affects both the social and economic opportunities for individuals, as well as the built environment.

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• A Comparison of Chicago's Scattered Site and Aggregate Public Housing Residents' Psychological Self-Evaluations
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• A New Understanding of Our Nation's Rising Homeless Rates and Low Rent Housing Vacancy Rates
• An Ethnographic Case Study Of The Organization Of Care In A Transitional Housing Project For Pregnant And Parenting Teens: Program And Policy Implications
• Decisionmaking Analysis of Household Mobility and Migration in the United States, 1985-89
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• Buying Into the Middle Class: Residential Segregation and Racial Formation in the United States, 1920-64
• Direct Measures of Poverty and Well-Being: A Theoretical Framework and an Application to Housing Poverty in the United States
• Emerging Patterns of Housing, Community, and Local Governance: The Case of Private Homeowners Associations
• Housing, Social Networks, and Access to Opportunity: The Impact of Living in Scattered-Site and Clustered Public Housing
• Housing Policy in the Local Political Economy: Understanding the Support for Affordable Housing Programs in Cities
• Housing the Poor
• Informal Housing: Shelter Strategies and Resources Among Low-Income Households
• Local Access, Non-Work Travel, and Survival Tactics In Low-Income Neighborhoods
• Local Politics and Housing Vouchers
• Mobilization as a Response to Risk Perceptions and Declines in Housing Values in Communities Around Superfund Sites
• Models of Homeownership: Immigrants'Assimilation, Structural Type, and Metropolitan Contextual Effects on Homeownership Attainment
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• Old Houses Never Die: Assesing the Effectiveness of Filtering as a Low-Income Housing Policy
• Pathways Off the Streets: Homeless People and Their Use of Resources
• Racial Differences in Housing Search Behavior
• Tenant Aging in Public and Publicly Assisted Multifamily Housing and Its Public Policy Implications for Housing and Long-Term Care
• The Effect of Minority Ownership of Financial Institutions on Mortgage Lending to Minority and Lower Income Home Seekers: A Cross-Section and Time-Series Analysis
• Linking National Policy Designs and Local Action: A Comparison of Fair Housing and Community Reinvestment Policies
• The Impact of Statewide Inclusionary Land Use Laws on the Supply and Distribution of Housing for Lower Income Households
• The Making of a Courtroom: Landlord-Tenant Trials in Philadelphia's Municipal Court
• Re-Use of Former Military Bases: An Evaluation of Four Converted Naval Bases
• The Role of Race in the Perpetuation of Inadequate Housing
• The Effect of the Mortgage Interest Deduction on Mortgage Debt and Housing Demand
• Unchallenged and Unmotivated: An Ethnographic Study of Sanctioned Welfare Reform Recipients in Federally Subsidized Housing
• Using Geo-Demographic Methods for Improving Small-Area Population and Housing Unit Estimates
• Is Smart Growth Smart for Low-Income Households: A Study of the Impact of Four Smart Growth Principles on the Supply of Affordable Housing
• A Theoretical and Empirical Investigation of the Effects of Impact Fees on the Affordability of Starter Homes
• From Exclusion to Destitution: Race, Affordable Housing, and Homelessness
• The Unintended Consequence of Predatory Lending: An Examination of Mortgage Lending in Philadelphia, Pennsylvania
• Redlining Revisited: Spatial Dependence and Neighborhood Effects in Mortgage Lending
• Essays in Taxation, Aging, and Residential Location
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• Bridges and Barriers to Housing for Homeless Street Dwellers: The Impact of Health and Substance Abuse Services on Housing Attainment
• Mortgage Contracts and the Definition Of and Demand For Housing Wealth
• Factors Affecting Homeless People's Perception and Use of Urban Space
• Physical Form and Neighborhood Satisfaction: Evidence From the American Housing Survey
• The Use of Redevelopment Housing Set-Aside Funds in Southern California: A New Look at Cities and Redistributive Spending
• Residential Redevelopment of Brownfields - Is Human Health Being Protected?
• Building Los Angeles: Urban Housing in the Suburban Metropolis, 1900-36
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• Distressed Public Housing and HOPE VI Revitalization: An Analysis of Park DuValle in Louisville, Kentucky
• Desire to Age in Place Among Korean American Elders in Minnesota
• Documenting the Use of Vehicles as Housing: Towards a More Permanent Solution
• Low Income Housing Tax Credits: Comparing Nonprofit Versus For-Profit Developments In Terms of Cost and Quality
• Access to Homeownership: Race-Ethnicity, Immigrant Status, and Changing Demographics
• A Study to Determine if HOPE VI Sites Influence Area Housing
• Hope or Harm: Deconcentration and the Welfare of Families in Public Housing
• Latina Immigrants in Public Housing: Race Relations, Social Networks, and Access to Services
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• Achieving the American Dream? A Longitudinal Analysis of the Homeownership Experiences of Low-Income Families
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• Mortality, Moveout, and Refinancing as Factors in HECM Reverse Mortgage Payoffs
• Moving Out: Section 8 and Public Housing Relocation in Chicago
• The Impact of Targeted Homeownership Tax Credit Program: Evidence From Washington, D.C.
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• A Structural Model of the Effects of Housing Vouchers on Housing Consumption and Labor Supply
• Shelters, Soup Kitchens, and Supportive Housing: An Open Systems Analysis of the Field of Homeless Assistance Organizations
• Transitioning Out of Homelessness in Two Global Cities: Los Angeles and Tokyo
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• Limited Attention, Asymmetric Information, and the Hedonic Model
• The Sorted City: San Francisco, Hope SF, and the Redevelopment of Public Housing
• Residential Mobility and the Section 8 Housing Choice Voucher Program: Factors Predicting Mobility and the Residential Decisionmaking Process of Recipients
• The Relational and Status Foundation of Gender Discrimination in Housing
• Policy, Perceptions, and Place: An Ethnography of the Complexities of Implementing a Federal Housing Program
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• Racial Financial Institutions, Credit Discrimination, and African-American Homeownership in Philadelphia, 1880-60
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• Communication Ecology and Urban Politics: The Case of Local Low-Income Housing Policy
• www.homeless.org/culture: A Cross-Level Analysis of the Relationship Between Organizational Culture and Technology Use Among Homeless Service Providers
• Defining "Choice" in the Housing Choice Voucher Program: The Role of Market Constraints and Household Preferences in Location Outcomes
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• The Political Economy of Inclusionary Zoning: Adoption, Implementation, and Neighborhood Effects
• Implications of Risk-Based Pricing for Affordable Homeownership and Community Reinvestment Goals
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• Estimating the Spatial Relationships Between Subsidized Housing and Crime
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• Voices From the Street: Exploring How Older Adults and Outreach Workers Define and Mitigate Problems Associated With Urban Elder Homelessness
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