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Publication Date

August 2009


Hong Yu Ru, Roberto G. Quercia, Sarah Riley


Ford Foundation

The Community Advantage Program Database (CAPD) is a unique data source that researchers can use to study the housing experiences of low-to-moderate-income and minority households in the United States.

The CAPD includes data from a longitudinal panel survey of mortgage borrowers linked to monthly loan-level information and contemporaneous market valuation data and credit scores.

To date, the CAPD has been used to examine a wide variety of financial and social topics for this population, including wealth and asset accumulation, mobility, postpurchase counseling, loan prepayment, neighborhood satisfaction, community involvement, and parental attitudes.

After discussing the scope of the data, we compare the key demographics of the panel survey respondents with those of Current Population Survey respondents.

To the best of our knowledge, no other publicly available data source combines longitudinal borrower survey data with comprehensive loan performance information.

Topics(s): Affordable Homeownership, Community Advantage Program, Mortgage Finance, Other, Research Design