TABLE 2—
Results of Multivariable Analysis Predicting the Development of Significant Depressive Symptoms Between Wave 1 (2005–2006) and Wave 2 (2010–2011), Using 3 Stages in the Foreclosure Process: National Social Life, Health, and Aging Project, United States
| Variable | Notices of Default, OR (95% CI) | Auctions, OR (95% CI) | REO, OR (95% CI) |
| Annual % foreclosure | |||
| Decrease | 1.24 (0.78, 1.97) | 1.00 (0.61, 1.64) | 1.32 (0.83, 2.13) |
| No change or small increase (Ref) | 1.00 | 1.00 | 1.00 |
| Large increase | 1.75* (1.14, 2.67) | 1.45 (0.96, 2.19) | 1.62* (1.06, 2.47) |
| Judicial foreclosure process | 1.04 (0.66, 1.65) | 1.13 (0.70, 1.83) | 1.14 (0.70, 1.84) |
| Change in tract % poor | 1.11 (0.96, 1.28) | 1.09 (0.94, 1.25) | 1.09 (0.94, 1.26) |
| Change in neighborhood disorder | 0.99 (0.82, 1.21) | 0.99 (0.81, 1.20) | 0.99 (0.81, 1.21) |
| Female | 1.23 (0.87, 1.73) | 1.21 (0.86, 1.71) | 1.23 (0.87, 1.73) |
| Race/ethnicity | |||
| White (Ref) | 1.00 | 1.00 | 1.00 |
| Non-Hispanic Black | 1.12 (0.64, 1.95) | 1.11 (0.63, 1.96) | 1.12 (0.64, 1.95) |
| Hispanic | 1.09 (0.55, 2.16) | 1.06 (0.50, 2.23) | 1.09 (0.55, 2.16) |
| Age at W1, y | |||
| 63–69 (Ref) | 1.00 | 1.00 | 1.00 |
| 70–79 | 1.43 (0.98, 2.08) | 1.44 (0.99, 2.09) | 1.45 (1.00, 2.09) |
| 80–90 | 1.81* (1.13, 2.90) | 1.82* (1.14, 2.91) | 1.84* (1.16, 2.92) |
| Education | |||
| < high school (Ref) | 1.00 | 1.00 | 1.00 |
| High school | 0.95 (0.53, 1.71) | 0.96 (0.52, 1.75) | 0.99 (0.54, 1.80) |
| Some college | 0.64 (0.38, 1.08) | 0.65 (0.38, 1.10) | 0.65 (0.39, 1.09) |
| ≥ bachelor’s degree | 0.44* (0.22, 0.90) | 0.41* (0.20, 0.84) | 0.42* (0.21, 0.83) |
| Change in log of assets | 1.01 (0.92, 1.11) | 1.01 (0.92, 1.11) | 1.01 (0.92, 1.11) |
| Unemployed (W2) | 1.40 (0.32, 6.02) | 1.46 (0.34, 6.26) | 1.46 (0.33, 6.43) |
| Moved between W1 and W2 | 1.21 (0.75, 1.94) | 1.17 (0.74, 1.86) | 1.15 (0.72, 1.85) |
| Partner transitions between W1 and W2 | |||
| Stayed partnered (Ref) | 1.00 | 1.00 | 1.00 |
| Gained partner | 0.63 (0.14, 2.78) | 0.69 (0.15, 3.10) | 0.67 (0.15, 3.07) |
| Lost partner | 1.61 (0.90, 2.89) | 1.59 (0.89, 2.84) | 1.61 (0.89, 2.91) |
| Stayed unpartnered | 1.29 (0.82, 2.02) | 1.33 (0.85, 2.09) | 1.36 (0.87, 2.11) |
| Transitions in ADL limitations | |||
| None, W1 and W2 (Ref) | 1.00 | 1.00 | 1.00 |
| W1 and W2 | 1.01 (0.30, 3.47) | 0.96 (0.28, 3.34) | 0.98 (0.28, 3.44) |
| New limitations in W2 | 1.86** (1.20, 2.90) | 1.84** (1.17, 2.88) | 1.85** (1.18, 2.90) |
| Constant | 0.06** (0.03, 0.12) | 0.07** (0.03, 0.13) | 0.06** (0.03, 0.12) |
Note. ADL = activities of daily living; CI = confidence interval; OR = odds ratio; REO = real-estate–owned; W1 = wave 1; W2 = wave 2. All continuous variables were standardized. The estimation sample was n = 1883.
*P < .05; **P < .01.