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Despite the Federal Housing Administration (FHA) and Veterans Administration (VA) programs accounting for up to 50% of all mortgages for some years during this period, systematic borrower-level data has been unavailable due to a lack of federal records and decentralized county recording systems. Using a new pipeline that deploys large language models to digitize scanned mortgages, we identify and extract information from FHA-insured and VA-guaranteed mortgages, geolocate properties, and link borrowers to full-count Census data from 1940 and 1950. This produces the first comprehensive address- and borrower-level dataset beyond 1940. We investigate the share of Black borrowers among FHA and VA mortgage recipients, characterize the spatial distribution of mortgages across neighborhoods that vary in racial composition and HOLC ratings, and examine the demographic and socioeconomic characteristics of borrowers. The analysis enhances our understanding of how federal housing policy shaped metropolitan development and racial inequality during the New Deal and Civil Rights eras.", "occurrence_notes":null, "guid":"150512-21909535@events.umich.edu", "permalink":"http:\/\/events.umich.edu\/event\/150512", "building_id":"1005177", "building_name":"North Quad", "campus_maps_id":"553", "room":"4325", "location_name":"North Quad", "has_livestream":0, "cost":"", "tags":["Economics","History","seminar"], "website":"https:\/\/lsa.umich.edu\/econ", "sponsors":[ { "group_name":"Department of Economics Seminars", "group_id":"3566", "website":"" } ], "image_url":"https:\/\/events.umich.edu\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "styled_images":{ "event_thumb":"https:\/\/events.umich.edu\/media\/cache\/event_thumb\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "event_large":"https:\/\/events.umich.edu\/media\/cache\/event_large\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "event_large_2x":"https:\/\/events.umich.edu\/media\/cache\/event_large_2x\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "event_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/event_large_lightbox\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "group_thumb":"https:\/\/events.umich.edu\/media\/cache\/group_thumb\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "group_thumb_square":"https:\/\/events.umich.edu\/media\/cache\/group_thumb_square\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "group_large":"https:\/\/events.umich.edu\/media\/cache\/group_large\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "group_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/group_large_lightbox\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "event_large_crop":"https:\/\/events.umich.edu\/media\/cache\/event_large_crop\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "event_list":"https:\/\/events.umich.edu\/media\/cache\/event_list\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "event_list_2x":"https:\/\/events.umich.edu\/media\/cache\/event_list_2x\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "event_grid":"https:\/\/events.umich.edu\/media\/cache\/event_grid\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "event_grid_2x":"https:\/\/events.umich.edu\/media\/cache\/event_grid_2x\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "event_feature_large":"https:\/\/events.umich.edu\/media\/cache\/event_feature_large\/media\/attachments\/2026\/09\/event_150512_original-2.avif", "event_feature_thumb":"https:\/\/events.umich.edu\/media\/cache\/event_feature_thumb\/media\/attachments\/2026\/09\/event_150512_original-2.avif" }, "occurrence_count":1, "first_occurrence":21909535 } , "151850-21912269": { "datetime_modified":"20261012T095405", "datetime_start":"20261023T100000", "datetime_end":"20261023T112000", "has_end_time":1, "date_start":"2026-10-23", "date_end":"2026-10-23", "time_start":"10:00:00", "time_end":"11:20:00", "time_zone":"America\/Detroit", "event_title":"Double Duty: A Subsidy Design for\\\\Quality Promotion and Price Discipline", "occurrence_title":"", "combined_title":"Double Duty: A Subsidy Design for\\\\Quality Promotion and Price Discipline: Ying Fan, University of Michigan", "event_subtitle":"Ying Fan, University of Michigan", "event_type":"Workshop \/ Seminar", "event_type_id":"21", "description":"This paper studies how the design of quality-linked subsidies shapes firm behavior in both quality choices and pricing decisions. 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A central finding is that a subsidy design that links product quality to both the subsidy level and the pass-through from firm prices to subsidized consumer prices can simultaneously raise quality and lower prices.", "occurrence_notes":null, "guid":"151850-21912269@events.umich.edu", "permalink":"http:\/\/events.umich.edu\/event\/151850", "building_id":"1005177", "building_name":"North Quad", "campus_maps_id":"553", "room":"4300", "location_name":"North Quad", "has_livestream":0, "cost":"", "tags":["Economics","Industrial Organization","seminar"], "website":"http:\/\/www.lsa.umich.edu\/econ", "sponsors":[ { "group_name":"Department of Economics Seminars", "group_id":"3566", "website":"" } ], "image_url":"https:\/\/events.umich.edu\/media\/attachments\/2026\/10\/event_151850_original-2.png", "styled_images":{ "event_thumb":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_thumb\/media\/attachments\/2026\/10\/event_151850_original-2.png", "event_large":"https:\/\/events.umich.edu\/media\/cache\/event_large\/media\/attachments\/2026\/10\/event_151850_original-2.png", "event_large_2x":"https:\/\/events.umich.edu\/media\/cache\/event_large_2x\/media\/attachments\/2026\/10\/event_151850_original-2.png", "event_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/event_large_lightbox\/media\/attachments\/2026\/10\/event_151850_original-2.png", "group_thumb":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_thumb\/media\/attachments\/2026\/10\/event_151850_original-2.png", "group_thumb_square":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_thumb_square\/media\/attachments\/2026\/10\/event_151850_original-2.png", "group_large":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_large\/media\/attachments\/2026\/10\/event_151850_original-2.png", "group_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_large_lightbox\/media\/attachments\/2026\/10\/event_151850_original-2.png", "event_large_crop":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_large_crop\/media\/attachments\/2026\/10\/event_151850_original-2.png", "event_list":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_list\/media\/attachments\/2026\/10\/event_151850_original-2.png", "event_list_2x":"https:\/\/events.umich.edu\/media\/cache\/event_list_2x\/media\/attachments\/2026\/10\/event_151850_original-2.png", "event_grid":"https:\/\/events.umich.edu\/media\/cache\/event_grid\/media\/attachments\/2026\/10\/event_151850_original-2.png", "event_grid_2x":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_grid_2x\/media\/attachments\/2026\/10\/event_151850_original-2.png", "event_feature_large":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_feature_large\/media\/attachments\/2026\/10\/event_151850_original-2.png", "event_feature_thumb":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_feature_thumb\/media\/attachments\/2026\/10\/event_151850_original-2.png" }, "occurrence_count":1, "first_occurrence":21912269 } , "149331-21906240": { "datetime_modified":"20261012T112125", "datetime_start":"20261026T160000", "datetime_end":"20261026T172000", "has_end_time":1, "date_start":"2026-10-26", "date_end":"2026-10-26", "time_start":"16:00:00", "time_end":"17:20:00", "time_zone":"America\/Detroit", "event_title":"Consumption, Savings, and Earnings Responses to Financial Windfalls (joint with Rajashri Chakrabarti, Philippe d\u2019Astous, Sheisha Kulkarni, Vyacheslav Mikhed, Matthew J. 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We then examine how these responses vary across the income distribution. We find that high-income individuals allocated a larger share of lottery winnings to savings and leisure, while low-income individuals spent a larger share on consumption. We illustrate the policy relevance of these heterogeneous responses through three applications: designing fiscal stimulus programs, evaluating a Universal Basic Income (UBI), and determining optimal top tax rates on wage earnings and savings.", "occurrence_notes":"For those not familiar with the academic and residential towers of North Quad, please refer to this link for wayfindng guidance: https:\/\/lsa.umich.edu\/content\/dam\/econ-assets\/Econdocs\/NQ%20Econ%20Department%20Directions.pdf", "guid":"149331-21906240@events.umich.edu", "permalink":"http:\/\/events.umich.edu\/event\/149331", "building_id":"1005177", "building_name":"North Quad", "campus_maps_id":"553", "room":"4325", "location_name":"North Quad", "has_livestream":0, "cost":"", "tags":["Economics","Public Finance","seminar"], "website":"http:\/\/www.lsa.umich.edu\/econ", "sponsors":[ { "group_name":"Department of Economics Seminars", "group_id":"3566", "website":"" } ], "image_url":"https:\/\/events.umich.edu\/media\/attachments\/2026\/07\/event_149331_original-1.png", "styled_images":{ "event_thumb":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_thumb\/media\/attachments\/2026\/07\/event_149331_original-1.png", "event_large":"https:\/\/events.umich.edu\/media\/cache\/event_large\/media\/attachments\/2026\/07\/event_149331_original-1.png", "event_large_2x":"https:\/\/events.umich.edu\/media\/cache\/event_large_2x\/media\/attachments\/2026\/07\/event_149331_original-1.png", "event_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/event_large_lightbox\/media\/attachments\/2026\/07\/event_149331_original-1.png", "group_thumb":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_thumb\/media\/attachments\/2026\/07\/event_149331_original-1.png", "group_thumb_square":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_thumb_square\/media\/attachments\/2026\/07\/event_149331_original-1.png", "group_large":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_large\/media\/attachments\/2026\/07\/event_149331_original-1.png", "group_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_large_lightbox\/media\/attachments\/2026\/07\/event_149331_original-1.png", "event_large_crop":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_large_crop\/media\/attachments\/2026\/07\/event_149331_original-1.png", "event_list":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_list\/media\/attachments\/2026\/07\/event_149331_original-1.png", "event_list_2x":"https:\/\/events.umich.edu\/media\/cache\/event_list_2x\/media\/attachments\/2026\/07\/event_149331_original-1.png", "event_grid":"https:\/\/events.umich.edu\/media\/cache\/event_grid\/media\/attachments\/2026\/07\/event_149331_original-1.png", "event_grid_2x":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_grid_2x\/media\/attachments\/2026\/07\/event_149331_original-1.png", "event_feature_large":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_feature_large\/media\/attachments\/2026\/07\/event_149331_original-1.png", "event_feature_thumb":"https:\/\/events.umich.edu\/media\/cache\/event_feature_thumb\/media\/attachments\/2026\/07\/event_149331_original-1.png" }, "occurrence_count":1, "first_occurrence":21906240 } , "149567-21906712": { "datetime_modified":"20260901T135721", "datetime_start":"20261027T113000", "datetime_end":"20261027T125000", "has_end_time":1, "date_start":"2026-10-27", "date_end":"2026-10-27", "time_start":"11:30:00", "time_end":"12:50:00", "time_zone":"America\/Detroit", "event_title":"The Devil is in the Tail: Macroeconomic Tail Risk Expectations of Firms", "occurrence_title":"", "combined_title":"The Devil is in the Tail: Macroeconomic Tail Risk Expectations of Firms: Manuel Menkhoff, University of Copenhagen", "event_subtitle":"Manuel Menkhoff, University of Copenhagen", "event_type":"Workshop \/ Seminar", "event_type_id":"21", "description":"This paper examines novel survey evidence on firms\u2019 beliefs about macroeconomic tail risk and their role in investment decisions. In a large survey of firms, I elicit the subjective probability of a severe macroeconomic downturn and firms\u2019 exposure to such events. Using observational and experimental variation, I find that a higher probability of a severe macroeconomic downturn substantially lowers investment, particularly for more exposed firms, beyond what can be explained by changes in firms\u2019 subjective first and second moments. 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