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Home / José Loya
Jose Loya
  • Real Estate Development, Urban Planning

José Loya

Faculty Director of Real Estate Development, Assistant Professor of Urban Planning; Faculty Associate in the Chicano Studies Research Center (CSRC)

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José Loya is an Assistant Professor in Urban Planning at UCLA’s Luskin School of Public Affairs and faculty affiliate with the Chicano Studies Research Center. His research addresses Latino issues in urban areas by connecting ethno-racial inequality and contextual forces at the neighborhood, metropolitan, and national levels. His research discusses several topics related to stratification in homeownership, including ethno-racial, gender, and Latino disparities in mortgage access. José received his PhD. at the University of Pennsylvania in Sociology and holds a master’s degree in Statistics from the Wharton School of Business at Penn. Prior to graduate school, José worked for several years in community development and affordable housing in South Florida.

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Educational Background

  • Ph.D., Sociology, University of Pennsylvania
  • M.A., Statistics, University of Pennsylvania
  • B.A., Economics and Urban Studies, Brown University

Areas of Expertise

  • Housing, Quantitative Analysis, Race and Ethnicity

Latest News

Los Angeles City Council Meeting on May 8, a speaker presents José Loya and Amada Armenta with their "impactful chicanos" award at City Hall.|Two photos next to each other, on the left is Jose Loya and Amada Armenta holding up their "Impactful Chicanos" awards inside City Hall, the photo on the right is of Jose and Amada standing next to a framed illustration of UCLA Latino Policy and Politics Institute.
Amada Armenta and José Loya Honored by Los Angeles City Council
May 15, 2026

Los Angeles City Council recognized Amada Armenta and José Loya during its “Impactful Chicanos in America” celebration.

Assistant Professor José Loya sits between the two hosts of PBS SoCal’s Won’t You Be My Gamer? during the show’s gameplay and discussion.|Landscape of New York City
PBS SoCal’s Won’t You Be My Gamer? Explores LA’s “Best” and “Worst” Cities With José Loya
February 5, 2026

Loya takes on the challenge of building the “best” and “worst” cities.

Latest News

Los Angeles City Council Meeting on May 8, a speaker presents José Loya and Amada Armenta with their "impactful chicanos" award at City Hall.|Two photos next to each other, on the left is Jose Loya and Amada Armenta holding up their "Impactful Chicanos" awards inside City Hall, the photo on the right is of Jose and Amada standing next to a framed illustration of UCLA Latino Policy and Politics Institute.

Amada Armenta and José Loya Honored by Los Angeles City Council

May 15, 2026

Los Angeles City Council recognized Amada Armenta and José Loya during its “Impactful Chicanos in America” celebration.

Assistant Professor José Loya sits between the two hosts of PBS SoCal’s Won’t You Be My Gamer? during the show’s gameplay and discussion.|Landscape of New York City

PBS SoCal’s Won’t You Be My Gamer? Explores LA’s “Best” and “Worst” Cities With José Loya

February 5, 2026

Loya takes on the challenge of building the “best” and “worst” cities.

male and female holding up a key to their new home standing in front of the house they just purchased.|Professor of Urban Planning Jose Loya Smiles, standing in front of Public Affairs building||Professor of Urban Planning Jose Loya Smiles, standing in front of Public Affairs building||Jose Loya smiles in front of the Meyer and Renee Luskin Public Affairs Building.|Jose Loya stands smiling in front of the Public Affairs building at UCLA.

U.S. Inequality Through the Housing Lens: A Conversation with José Loya

January 15, 2026

As housing costs rise faster than wages, José Loya explores how inequality persists in the U.S. housing market and what it means for future generations.

Loya on Building Wealth through Homeownership

November 17, 2025

As housing prices rise and uncertainty fills the job market, José Loya weighs in on whether or not homeownership really does help in building wealth.

Professor José Loya speaks to The Washington Post about how the fires are changing the Los Angeles housing market.

Wildfires Reshape Los Angeles’ Housing Market

March 19, 2025

Areas previously considered desirable are now seeing fluctuating demand, raising questions about resilience in fire-prone communities, says UCLA Luskin's José Loya.

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Contact Information

Email

joseloya@luskin.ucla.edu

Office Location

5361 Public Affairs

Media Contact

For media inquiries, contact Kate Shirley at kshirley@luskin.ucla.edu (email preferred) or 310-206-5252.

Race, Ethnicity and Mortgage Lending inthe FHLBSF Cooperative

J Loya, S Koh
Bank Investment Patterns in the FHLBSF Cooperative

J Loya, R Chen
House Rich, Poor Access: Ethno-Racial and Creditworthiness Inequality in the US Refinance Mortgage Market

J Loya
Sociological Perspectives, 07311214261468362
Ethno-racial disparities in adverse experiences at mortgage closing: Evidence from the national survey of mortgage originations

J Loya
Housing Policy Debate 34 (6), 834-850
Ethno-racial and credit worthiness disparities in access to mortgage credit

J Loya
Social Forces 103 (1), 87-108
Ethnic, Racial, and Neighborhood Mortgage Inequality: The Case of Los Angeles, Fresno

K Greenler, J Loya, A Briones
How age shapes ethno-racial disparities in accessing mortgage credit

J Loya
The Sociological Quarterly 65 (2), 157-181
Ethno-racial stratification in the refinanced mortgage market

J Loya
Sociology of Race and Ethnicity 10 (1), 51-70
Ethno-racial and down payment disparities in mortgage credit access

J Loya
Race and Social Problems 15 (4), 376-394
Gender and ethno‐racial disparities in access to mortgage credit

J Loya
Social Science Quarterly 104 (4), 793-815
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Graduate Programs
  • Master of Public Policy (MPP)
  • Master of Real Estate Development (MRED)
  • Master of Social Welfare (MSW)
  • Master of Urban and Regional Planning (MURP)
  • PhD in Social Welfare
  • PhD in Urban Planning
  • Master of Public Policy (MPP)
  • Master of Real Estate Development (MRED)
  • Master of Social Welfare (MSW)
  • Master of Urban and Regional Planning (MURP)
  • PhD in Social Welfare
  • PhD in Urban Planning
Undergraduate Programs
  • BA in Public Affairs
  • Minor in Urban and Regional Studies
  • Minor in Gerontology
  • Minor in Public Affairs
  • BA in Public Affairs
  • Minor in Urban and Regional Studies
  • Minor in Gerontology
  • Minor in Public Affairs
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  • Data Analytics Certificate
  • Data Analytics Certificate
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Program Specific Admissions
  • Public Policy
  • Real Estate Development
  • Social Welfare
  • Urban Planning
  • Undergraduate Program
  • Public Policy
  • Real Estate Development
  • Social Welfare
  • Urban Planning
  • Undergraduate Program
Faculty
Our Faculty
  • All Faculty
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  • All Faculty
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Leadership
  • Our Dean
  • Board of Advisors
  • Faculty Executive Committee
  • Our Dean
  • Board of Advisors
  • Faculty Executive Committee
Research Centers
  • Agile Visual Analytics Lab (AVAL)

    Empowers stakeholders with data to make informed decisions for children, families, and communities.

  • Berggruen Governance Index

    Evaluates the quality of political governance and democracy worldwide.

  • Center for Neighborhood Knowledge (CNK)

    Specializes in spatial analysis of socioeconomic disparities in neighborhoods.

  • Center for Policy Research on Aging (CPRA)

    Explores the societal and policy implications of an aging population.

  • Agile Visual Analytics Lab (AVAL)

    Empowers stakeholders with data to make informed decisions for children, families, and communities.

  • Berggruen Governance Index

    Evaluates the quality of political governance and democracy worldwide.

  • Center for Neighborhood Knowledge (CNK)

    Specializes in spatial analysis of socioeconomic disparities in neighborhoods.

  • Center for Policy Research on Aging (CPRA)

    Explores the societal and policy implications of an aging population.

  • Institute of Transportation Studies (ITS)

    Advances research, education, and meaningful civic engagement on transportation issues.

  • Institute on Inequality and Democracy

    Advances scholarship that confronts threats to democracy in America and around the world.

  • Latin American Cities Initiative

    Connects urban planning and policy networks across the Americas.

  • Latino Policy & Politics Institute (LPPI)

    Addresses policy challenges facing Latinos and communities of color.

  • Institute of Transportation Studies (ITS)

    Advances research, education, and meaningful civic engagement on transportation issues.

  • Institute on Inequality and Democracy

    Advances scholarship that confronts threats to democracy in America and around the world.

  • Latin American Cities Initiative

    Connects urban planning and policy networks across the Americas.

  • Latino Policy & Politics Institute (LPPI)

    Addresses policy challenges facing Latinos and communities of color.

  • Lewis Center for Regional Policy Studies

    Studying housing affordability and transportation equity in the L.A. region.

  • Los Angeles Education Research Institute (LAERI)

    Collaborates with schools to improve educational outcomes for L.A. students.

  • Luskin Center for Innovation

    Informing effective and equitable environmental policy that improves lives.

  • UCLA Voting Rights Project

    The flagship project for voting rights litigation and policy research.

  • Lewis Center for Regional Policy Studies

    Studying housing affordability and transportation equity in the L.A. region.

  • Los Angeles Education Research Institute (LAERI)

    Collaborates with schools to improve educational outcomes for L.A. students.

  • Luskin Center for Innovation

    Informing effective and equitable environmental policy that improves lives.

  • UCLA Voting Rights Project

    The flagship project for voting rights litigation and policy research.

All Research Centers
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