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How the Policymaking Environment Influences Implementation and Outcomes: Service-delivery Processes, Mortgage Lending Access, and Loan Performance in State Housing Agencies

Record, Matthew Christopher, Record
http://rave.ohiolink.edu/etdc/view?acc_num=osu1502816394549949

Abstract Details

2017, Doctor of Philosophy, Ohio State University, Public Policy and Management.
For many years, a growing concern in public administration, political science and economics has been the question of why public agencies pursue their goals through different means. Many studies compare agency operations across nations, states or provinces and largely focus on factors external to agency operations including the political climate in which the agency operates, the economic conditions and available resources in the jurisdiction, and diffusion from agencies in other jurisdictions. Other studies focus on factors internal to agencies operations like rules-in-use, policymaking tools, managerial behavior and the various organizational, administrative and institutional arrangements that characterize public agency operations. However, seldom does an analysis of agency performance perform a robust analysis of factors both internal and external to public agencies. By exploring the operations of single-family lending programs operated by state Housing Finance Agencies, the present dissertation attempts to do exactly that. Housing finance agencies (HFAs) are quasi-independent or independent state agencies that operate single-family lending programs to provide affordable mortgages to low and moderate-income first-time homebuyers. These agencies are similar or identical in many key areas of policymaking structure making them ideal for exploring both the internal and external factors that influence implementation. As such, this dissertation explores whether and how these internal and external factors are associated with differing service-delivery processes undertaken by these agencies. Then, this dissertation pivots to explore how those service-delivery processes, in turn, impact or fail to impact desired agency goals. Specifically, this analysis explores four service-delivery processes: make or buy decisions pertaining to direct servicing of loans in the HFA portfolio and HFA direct lending to potential borrowers as well as value-added services including homebuyer education and counseling and down payment assistance. After delineating a framework for public agency performance embedded in the policymaking environment, the first analysis of this dissertation explores how key factors internal to agencies and factors of the policymaking environment interact to influence the service-delivery processes chosen by HFAs. The second analysis explores whether the various service-delivery process are associated with higher levels of lending access among lower income and minority borrowers. Finally, this dissertation explores whether these various service-delivery processes are associated with individual loans that are less likely to go into serious delinquency and default when compared to a matched sample of similar, non-HFA first-time homebuyer loans. Findings highlight the nature of external determinants associated with implementation of a given service-delivery process as well as associations with improved access and performance. These findings illustrate the complexity HFAs must navigate to satisfy their so-called “double bottom line.” Both direct servicing of loans and homebuyer education and counseling, for instance are associated with better loan performance outcomes but diminished access for key groups of potential borrowers. Direct lending, on the other hand is associated with modest improvements to access among lower income borrowers but is not associated with any material increase in loan performance. This dissertation adds to the knowledge base regarding how institutional structures within non-federal organizations shape the influence of external, and specifically political, actors external to the organization. Moreover, this dissertation contributes to the contracting literature by highlighting service delivery processes that are nominally ideal candidates for contracting but, nonetheless, are provided more effectively by public agencies. Finally, this dissertation contributes to the knowledge base of how service-delivery processes influence affordable homeownership.
Stephanie Moulton (Committee Chair)
Jill Clark (Committee Member)
Rachel Kleit (Committee Member)
282 p.
Public Administration; Public Policy
Housing, implementation, political control of the bureaucracy, contracting, state government

Recommended Citations

Citations

  • Record, Record, M. C. (2017). How the Policymaking Environment Influences Implementation and Outcomes: Service-delivery Processes, Mortgage Lending Access, and Loan Performance in State Housing Agencies [Doctoral dissertation, Ohio State University]. OhioLINK Electronic Theses and Dissertations Center. http://rave.ohiolink.edu/etdc/view?acc_num=osu1502816394549949

    APA Style (7th edition)

  • Record, Record, Matthew. How the Policymaking Environment Influences Implementation and Outcomes: Service-delivery Processes, Mortgage Lending Access, and Loan Performance in State Housing Agencies. 2017. Ohio State University, Doctoral dissertation. OhioLINK Electronic Theses and Dissertations Center, http://rave.ohiolink.edu/etdc/view?acc_num=osu1502816394549949.

    MLA Style (8th edition)

  • Record, Record, Matthew. "How the Policymaking Environment Influences Implementation and Outcomes: Service-delivery Processes, Mortgage Lending Access, and Loan Performance in State Housing Agencies." Doctoral dissertation, Ohio State University, 2017. http://rave.ohiolink.edu/etdc/view?acc_num=osu1502816394549949

    Chicago Manual of Style (17th edition)

osu1502816394549949
423
© 2017, some rights reserved.Creative Commons License How the Policymaking Environment Influences Implementation and Outcomes: Service-delivery Processes, Mortgage Lending Access, and Loan Performance in State Housing Agencies by Matthew Christopher Record Record is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 3.0 Unported License. Based on a work at etd.ohiolink.edu.
This open access ETD is published by The Ohio State University and OhioLINK.