Tyler Haupert

The Department of City & Regional Planning and the Housing Initiative at Penn invite you to Tyler Haupert's lecture on "Land Use Restrictiveness and Mortgage Access: How Regulatory Environments Condition Racial and Income Disparities in Loan Approvals and Pricing".

Exclusionary zoning is known to constrain housing supply and reinforce segregation, yet its implications for mortgage lending outcomes remain poorly understood. Using over two million U.S. mortgage applications linked to measures of municipal land use regulation, this study shows that restrictive zoning reshapes inequality in mortgage access and pricing rather than simply intensifying it. Income-based advantages weaken in highly regulated jurisdictions, while racial approval gaps between Black and White applicants narrow, though do not disappear. The findings suggest that land use restrictions condition how mortgage credit is allocated across groups in complex and uneven ways.

Tyler Haupert is an Assistant Professor of Urban Studies at NYU Shanghai and a Faculty Affiliate of the NYU Furman Center. His research focuses on racial and socioeconomic inequality in housing and mortgage markets, neighborhood change, and the intersection of housing, technology, and climate-related risk. His work has been published in leading urban and housing journals and has been featured in the New York Times, Shelterforce, and Governing.

If you require any accessibility accommodation, such as live captioning, audio description, or a sign language interpreter, please email news@design.upenn.edu. Please note, we require at least five (5) business days’ notice.