This project constructs a new dataset from county land-use records. The dataset includes information on land records from 20 counties spread across the United States over 40 years. It includes data on the Federal Housing Administration (FHA) insured and Veteran’s Administration (VA) guaranteed mortgages in these counties. The data will be publicly available to academics, decision makers, community organizations, and individuals who want to evaluate the impact of these two important federal programs. The team is also providing an initial analysis of these data to describe and analyze the spatial and demographic patterns of federal mortgage insurance. This analysis leverages individual-level borrower data and address-level property information to examine how these programs affected homeownership, wealth, and neighborhood outcomes in both urban and rural counties with different population characteristics. The research findings have the potential to improve the functioning of mortgage markets, thereby enhancing the well-being of U.S. households. The award is jointly funded by the NSF programs in Economics, Sociology, and Human-Environment and Geographical Sciences (HEGS). The project creates a new data resource that provides the most extensive and granular data on the demographic and spatial distributions of FHA-insured and VA-guaranteed mortgages to date. Because the data include information on issued mortgages, the data allow scientists to consider the results of enacted po