Nativity Status

Existing research indicates that minority homeowners are more likely to experience a foreclosure than a white borrower, but despite the importance of immigrants to the owner-occupied housing market, no research has examined the relationship between nativity status and foreclosure. Using a unique data set and binomial logistic regression models, this article examines the relationship between race, ethnicity, nativity status, and foreclosure for a sample of households in Minneapolis, Minnesota. Research results indicate that the relationship between nativity status and foreclosure differs by the race and ethnicity of the household and whether the mortgage was refinanced or for a home purchase. Keywords foreclosure, immigrant, mortgage lending, race, subprime lending Minority and foreign-born households helped to fuel the increase in the homeownership rate in the United States dur-ing the 1990s and early 2000s (Herbert and Belsky 2008; Myers and Liu 2005). During this time minority homeown-ers, which presumably includes many of the foreign-born who became homeowners during this period, were signifi