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Author : Michael LaCour-Little
Publisher :
ISBN 13 :
Total Pages : 500 pages
Book Rating : 4.:/5 (89 download)
Download or read book Identification of Discrimination in Mortgage Lending Markets written by Michael LaCour-Little and published by . This book was released on 1996 with total page 500 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Margery Austin Turner
Publisher : DIANE Publishing
ISBN 13 : 0788187945
Total Pages : 69 pages
Book Rating : 4.7/5 (881 download)
Download or read book What We Know About Mortgage Lending Discrimination in America written by Margery Austin Turner and published by DIANE Publishing. This book was released on 2000-07 with total page 69 pages. Available in PDF, EPUB and Kindle. Book excerpt: The U.S. Department of Housing and Human Development (HUD) presents the report "What We Know About Mortgage Lending Discrimination in America." The report outlines how discrimination can affect access to mortgage capital for minorities.
Author : John Goering
Publisher : Routledge
ISBN 13 : 0429827954
Total Pages : 665 pages
Book Rating : 4.4/5 (298 download)
Download or read book Mortgage Lending, Racial Discrimination and Federal Policy written by John Goering and published by Routledge. This book was released on 2018-12-20 with total page 665 pages. Available in PDF, EPUB and Kindle. Book excerpt: First published in 1997, this volume features a wealth of contributions discussing mortgage lending discrimination and the role of the FHA, fair lending enforcement and the Decatur case, along with the future of mortgage discrimination research. This key civil rights debate in the wake of the Fair Housing Act 25 years prior is evaluated and clarified through rigorous review of fair lending research, applied projects and enforcement activities to date. It argues forcefully that the right to take out a mortgage to buy a home should be conditioned only upon one’s credit worthiness and not on one’s race or ethnic group.
Author : Stephen L. Ross
Publisher : MIT Press
ISBN 13 : 9780262264334
Total Pages : 488 pages
Book Rating : 4.2/5 (643 download)
Download or read book The Color of Credit written by Stephen L. Ross and published by MIT Press. This book was released on 2002-11-08 with total page 488 pages. Available in PDF, EPUB and Kindle. Book excerpt: An analysis of current findings on mortgage-lending discrimination and suggestions for new procedures to improve its detection. In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity. In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied to discrimination in loan-pricing and credit-scoring.
Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer and Regulatory Affairs
Publisher :
ISBN 13 :
Total Pages : 370 pages
Book Rating : 4.F/5 ( download)
Download or read book Mortgage Discrimination written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer and Regulatory Affairs and published by . This book was released on 1990 with total page 370 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : R. Glenn Hubbard
Publisher :
ISBN 13 :
Total Pages : 47 pages
Book Rating : 4.:/5 (13 download)
Download or read book Analysis of Discrimination in Prime and Subprime Mortgage Markets written by R. Glenn Hubbard and published by . This book was released on 2015 with total page 47 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines evidence of lending discrimination in prime and subprime mortgage markets in New Jersey. Existing single-equation studies of race-based discrimination in mortgage lending assume race is uncorrelated with the disturbance term in the loan denial regression. At the individual loan-level, we show that race is correlated with both observable and unobservable risk variables, leading to biased coefficient estimates. To mitigate this problem, we specify a system of equations and use a full information maximum likelihood (FIML) method that does not need to identify instrumental variables for system identification. We find that minorities are less likely to be rejected than whites in the subprime market. The individual loan-level FIML results are robust to using two-stage least squares when we examine discrimination at the neighborhood-level. We also find that the reduction in rejection rates to minority neighborhoods from 1996 to 2008 cannot be fully justified by risk, suggesting a relaxation of lending standards to minority neighborhoods. Using the methodology of Mian and Sufi [2009], we also find evidence for strong credit supply effects.
Author : Jason Dietrich
Publisher :
ISBN 13 :
Total Pages : 28 pages
Book Rating : 4.:/5 (318 download)
Download or read book Searching for Age and Gender Discrimination in Mortgage Lending written by Jason Dietrich and published by . This book was released on 2005 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Mitchell Stengel
Publisher :
ISBN 13 :
Total Pages : 46 pages
Book Rating : 4.E/5 ( download)
Download or read book Evaluating Statistical Models of Mortgage Lending Discrimination written by Mitchell Stengel and published by . This book was released on 1995 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Kira T. Zender
Publisher :
ISBN 13 :
Total Pages : 150 pages
Book Rating : 4.3/5 (129 download)
Download or read book An Analysis of the Community Reinvestment Act and the Home Mortgage Disclosure Act in Identifying Home Mortgage Discrimination and Promoting Community Development Lending written by Kira T. Zender and published by . This book was released on 1994 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States Commission on Civil Rights
Publisher :
ISBN 13 :
Total Pages : 48 pages
Book Rating : 4.F/5 ( download)
Download or read book Mortgage Money, who Gets It? written by United States Commission on Civil Rights and published by . This book was released on 1974 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Orice M. Williams
Publisher : DIANE Publishing
ISBN 13 : 1437908055
Total Pages : 21 pages
Book Rating : 4.4/5 (379 download)
Download or read book Fair Lending: Race and Gender Data Are Limited for Non-Mortgage Lending written by Orice M. Williams and published by DIANE Publishing. This book was released on 2009 with total page 21 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Fed. Reserve Board¿s (FRB) Regulation B prohibits lenders from collecting certain data from loan applicants, such as their race or gender, for non-mortgage loans (e.g., small business loans). This provision minimized the chances that lenders would use such data in an unlawful and discriminatory manner. However, others argue that the prohibition limits the capacity of researchers and regulators to identify possible discrimination in non-mortgage lending. This testimony discusses an analysis of: (1) studies on possible discrimination in non-mortgage lending and the data used in them; (2) FRB¿s 2003 decision to retain the prohibition of voluntary data collection; and (3) the benefits and costs of a data collection and reporting requirement.
Author : National Research Council
Publisher : National Academies Press
ISBN 13 : 0309133335
Total Pages : 334 pages
Book Rating : 4.3/5 (91 download)
Download or read book Measuring Racial Discrimination written by National Research Council and published by National Academies Press. This book was released on 2004-06-24 with total page 334 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many racial and ethnic groups in the United States, including blacks, Hispanics, Asians, American Indians, and others, have historically faced severe discriminationâ€"pervasive and open denial of civil, social, political, educational, and economic opportunities. Today, large differences among racial and ethnic groups continue to exist in employment, income and wealth, housing, education, criminal justice, health, and other areas. While many factors may contribute to such differences, their size and extent suggest that various forms of discriminatory treatment persist in U.S. society and serve to undercut the achievement of equal opportunity. Measuring Racial Discrimination considers the definition of race and racial discrimination, reviews the existing techniques used to measure racial discrimination, and identifies new tools and areas for future research. The book conducts a thorough evaluation of current methodologies for a wide range of circumstances in which racial discrimination may occur, and makes recommendations on how to better assess the presence and effects of discrimination.
Author : William C. Apgar
Publisher :
ISBN 13 :
Total Pages : 36 pages
Book Rating : 4.F/5 ( download)
Download or read book The Dual Mortgage Market written by William C. Apgar and published by . This book was released on 2005 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Mortgage Discrimination written by and published by . This book was released on 1994 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Michael A. Stegman
Publisher : DIANE Publishing
ISBN 13 : 0788131311
Total Pages : 135 pages
Book Rating : 4.7/5 (881 download)
Download or read book Race and Default in Credit Markets written by Michael A. Stegman and published by DIANE Publishing. This book was released on 1996-07 with total page 135 pages. Available in PDF, EPUB and Kindle. Book excerpt: A research & commentary on the critical policy issue of whether or not racial discrimination exists in the home mortgage lending industry. A collection of essays on this topic by experts such as John Yinger, Stephen Ross, & George Galster. Also includes commentaries on mortgage performance & housing market discrimination, default rates & their place in the controversy, & the role of FHA data in the lending discrimination discussion. Graphs, charts.
Author :
Publisher :
ISBN 13 :
Total Pages : 38 pages
Book Rating : 4.:/5 (2 download)
Download or read book Under-specified Models and Detection of Discrimination in Mortgage Lending written by and published by . This book was released on 2003 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Most empirical studies of discrimination in mortgage lending can be criticized for omitted variable bias. With access to data and policy guidelines typically unavailable to researchers, the OCC is in a unique position to assess the importance of omitted variables on fair lending models. This study examines how variables available to the OCC, but often unavailable to researchers, affect estimates from statistical models and identification of outliers for manual review. The results show that omitted variables have an important impact on both the estimate of the effect of race and on the identification of outliers for review. Further, there appears to be no consistent patterns to the direction of these impacts. This suggests that it is inappropriate to make generalizations about the potential direction of bias based on assumptions about the correlations between omitted variables and race"--Office of the Comptroller of the Currency web site.
Author : Michael LaCour-Little
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (129 download)
Download or read book Discrimination in Mortgage Lending written by Michael LaCour-Little and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper surveys the literature on racial disparities in mortgage lending over the past twenty five years, including a discussion of the theoretical models, empirical methods, and data used to test for discrimination. Weaknesses in the models, methods, and data typically used together with results from simulation studies cast serious doubt on many of the claims made about discrimination in mortgage lending markets. In its conclusion the paper offers some proposals for new directions in research to better understand racial differences in mortgage usage.
