DR. LUCY DELGADILLO
MORTGAGE DEFAULT / PREDATORY LENDING Alumni of the Graduate Program
Leslie Green (M.S., 2006) Luke Erickson (M.S., 2006) Camille Pedersen (M.S., 2006) Amber Gallagher (M.S., 2004) Theses and Dissertations
Green, L. An analysis of Mortgage Default Clients and Mortgage default counseling at the USU-Family Life Center (Master’s Thesis, 2006).
Erickson, L. Defining predatory lending in Utah: A professional’s perspective. (Master’s Thesis, 2006).
Pedersen, C. Mortgage default and neighborhoods: A case study of Weber County, Utah. (Master’s Thesis, 2006).
Gallagher, A. Borrower and Mortgage-related factors associated with FHA foreclosures. (Master’s Thesis, 2004).
Publications (* denotes graduate student/ **denotes undergraduate)
Erickson, L.V., Delgadillo, L.M, & Piercy, K.W. (2008). The need for predatory mortgage education: Expert views. Journal of Extension 46(5). Available at
http://www.joe.org
/joe/2008october/rb1.shtml
Delgadillo, L., Erickson, L.V., & Piercy K.W. (2008). Disentangling the differences between abusive and predatory lending: Professionals’ perspectives. Journal of Consumer Affairs, 4(3), 313-334.
**Delgadillo, L., & Kelley, C. (2008). Establishing a link between subprime lending, payday lending, and housing costs. Housing and Society, 34(2), 119-136. *Delgadillo, L., & Green-Pimental, L. (2007). An analysis of mortgage default clients
and mortgage default counseling. Financial Counseling and Planning Journal, 18(1), 31-39.
*Pedersen, C., & Delgadillo, L. (2007). Residential mortgage default in low and high minority census tracts. Family and Consumer Sciences Research Journal, 35(4), 374-391.
Publications (continued)
*Delgadillo, L., Erickson, L., & Coster, D. (2006). Concentrations of subprime lending activities, equity risk factors, and bankruptcy filings. Housing and Society, 33(2), 87-107.
*Delgadillo, L., & Erickson, L. (2006). Spatial analysis of mortgage default in a metropolitan county. Housing and Society, 33(1), 37-46.
*Delgadillo, L., & Gallagher, A. (2006). Borrower and mortgage related factors associated with FHA foreclosures. Family and Consumer Sciences Research Journal, 34(3), 204-222.
Delgadillo, L. Mortgage Default and Well-Being. International Encyclopedia of Housing. Delgadillo, L.M., Jewkes, M., & Erickson, L. (2008). Disentangling the differences
between abusive lending, predatory lending, and mortgage fraud as defined by different stake holders. Housing Education and Research Association
Conference Proceedings CD-Rom, Indianapolis, Indiana, October 7-10.
*/**Delgadillo, L., Jewkes, M.D., & Ingersoll, D. (2007). Who is going to help borrowers with non-traditional mortgages? Housing Education and Research Association Conference Proceedings, Charlotte, North Carolina, October 23-26, 41-46. **Delgadillo, L., & Kelley, C. (2007). Identifying associations between payday lending
and subprime lending. Housing Education and Research Association Conference Proceedings, Charlotte, North Carolina, October 23-26, 47-51.
*Green, L., & Delgadillo, L. (2006). An analysis of mortgage default client and mortgage default counseling at a housing financial counseling center. Housing Education and Research Association Conference Proceedings, Ithaca, New York, October 8-11, 37-41.
*Erickson, L., Delgadillo, L., & Piercy, K. (2006). Predatory mortgage lending: A professional perspective. Housing Education and Research Association Conference Proceedings, Ithaca, New York, October 8-11, 116-119.
*Green, L., & Delgadillo, L. (2005). Mapping the concentration of mortgage default in Weber County. Housing Education and Research Association Conference Proceedings, Denver, Colorado, 36-39.
*Pedersen, C., Nye, K., & Delgadillo, L. (2005). Demographics of borrowers and causes of default or residential mortgages in Northern Utah. Housing Education and Research Association Conference Proceedings, Denver, Colorado, 76-79. Delgadillo, L., McFadden, J., & Hawks, L.K. (2004). Spatial analysis of residential
foreclosures in Cache County, Utah. Housing Education and Research Association Conference Proceedings, Chicago, Illinois, 117-121.
Publications (continued)
*Delgadillo, L., & Gallagher, A. (2004). Borrowers and mortgage related factors associated with foreclosures. Consumer Interest Annual 50. Available at http://www.consumerinterests.org/public/articles/index.html?cat=270 *Delgadillo, L., & Gallagher, A. (2003). Borrowers and mortgage related factors
associated with foreclosures. Western Family Economic Association Annual Conference Proceeding. Available at
http://www.csus.edu/indiv/a/andersenj/wr/index.html
Presentations (* denotes graduate student/ **denotes undergraduate)
Delgadillo, L. M., Jewkes, M., & Erickson, L. (2008). Disentangling the differences between abusive lending, predatory lending and mortgage fraud as defined by different stake holders. Paper presented at Housing Education and Research Association Conference, Indianapolis, Indiana, October 7-10.
Erickson, L.V., Delgadillo, L.M., & Piercy, K. (2008). Insights on predatory mortgage lending. Galaxy III poster session #2, Indianapolis, Indiana. September 17-20. *Erickson, L., Delgadillo, L., & Piercy K. (2007). Perspectives on predatory lending
education. Paper presented at the Association for Financial Counseling and Planning Education, Tampa, Florida, November 14-16.
**Delgadillo, L., & Kelley, C. (2007). Identifying associations between payday lending and subprime lending. Paper presented at the Housing Education and
Research Association Conference, Charlotte, NC, October 23-26.
*/**Delgadillo, L., Jewkes, M., & Ingersoll, D. (2007). Who is going to help borrowers with non-traditional mortgages. Paper presented at the Housing Education and Research Association Conference, Charlotte, NC, October 23-26.
*Pedersen, C., Delgadillo, L., & Johnson, J. (2007). Mortgage default and neighborhood. Paper presented at the Western Family and Economic Association Annual conference. Tucson, Arizona, January 24-27.
Delgadillo, L. (2006). Financial illness to be addressed in the future of housing:
Mortgage defaults and bankruptcies. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11.
Delgadillo, L. (2006). What does the future bring to Latino immigrants regarding housing issues? Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11.
Presentations (continued)
*Green, L., & Delgadillo, L. (2006). An analysis of mortgage default client and mortgage default counseling at a housing financial counseling center. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11.
*Erickson, L., Delgadillo, L., & Piercy, K. (2006). Predatory mortgage lending: A professional perspective. Poster presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11.
*Delgadillo, L., Erickson, L., & Coster, D. (2006). Geography of consumer bankruptcies and neighborhood characteristics. Paper presented at the American Council on Consumer Interest Conference, Baltimore, Maryland, March 15-17.
*Green, L., & Delgadillo, L. (2005). Mapping the concentration of mortgage default in Weber County. Paper presented at the Housing Education and Research Association Conference. Denver, Colorado, October 5-8.
*Petersen, C., Nye, K., & Delgadillo, L. (2005). Demographics of borrowers and causes of default or residential mortgages in Northern Utah. Paper presented at the Housing Education and Research Association Conference. Denver, Colorado, October 5-8.
Delgadillo, L., McFadden, J., & Hawks, L. (2004). Spatial analysis of residential
foreclosures in Cache County, Utah. Paper presented at the Housing Education and Research Association, Chicago, Illinois, October 20-22.
Hawks, L., & Delgadillo, L. (2004). Energy efficient lighting: An important topic for housing educators. Paper presented at the Housing Education and Research Association, Chicago, Illinois, October 20-22.
*Delgadillo, L., & Gallagher, A. (2004). Borrowers and mortgage related factors associated with foreclosures. Paper presented at the American Council of Consumer Interest. Washington, D.C., April.
Grants (* denotes graduate student)
*Co-Principal Investigator with Luke Erickson as Principal Investigator, on proposal titled, Definition of predatory lending. Submitted to the Utah Real Estate Division for $2000, funded in 2005.
Co-Principal Investigator with April Peery as Principal Investigator, on proposal titled, comprehensive housing counseling and predatory lending education. Submitted to the U.S. Department of Housing and Urban Development for $53,852, FY 2005-2006, not funded.
Grants (continued)
Principal Investigator with Jean Lown as Co-PI, on proposal titled, Geographic Distribution of Consumer Bankruptcy Filers in Utah. Submitted to the Utah Agricultural Experimental Station for $28,115, funded for FY2004-2005.
Co-PI with Tamara Hincks, on proposal titled, HUD Predatory Education and Prevention 2003-2004. Submitted to the U.S. Department of Housing and Urban
Development for $7,788, funded for FY 2003-2004.
Co-PI with Tamara Hincks, on proposal titled HUD Housing Counseling Project.
Submitted to the U.S. Department of Housing and Urban Development, with PI, Tamara Hincks for $65,999, funded for FY 2003-2004.
Principal Investigator, on proposal titled, Spatial Analysis of Residential Mortgage Foreclosures and Fringe Lending in the Salt Lake City Metropolitan Area. Submitted to the Department of Housing and Urban Development, Urban Scholars Program for $50,000, not funded for FY 2004.
