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Cross-lender variation in home mortgage lending

Author

Listed:
  • Robert B. Avery
  • Patricia E. Beeson
  • Mark S. Sniderman

Abstract

A lender-specific analysis of differences in minority and low-income mortgage loan originations using new applicant-level data gathered under the Home Mortgage Disclosure Act of 1975.

Suggested Citation

  • Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1992. "Cross-lender variation in home mortgage lending," Working Papers (Old Series) 9219, Federal Reserve Bank of Cleveland.
    • Handle: RePEc:fip:fedcwp:9219
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    References listed on IDEAS

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    1. Glenn B. Canner & Charles A. Luckett, 1991. "Payment of household debts," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Apr, pages 218-229.
    2. Munnell, Alicia H. & Geoffrey M. B. Tootell & Lynn E. Browne & James McEneaney, 1996. "Mortgage Lending in Boston: Interpreting HMDA Data," American Economic Review, American Economic Association, vol. 86(1), pages 25-53, March.
    3. Duca John V. & Rosenthal Stuart S., 1993. "Borrowing Constraints, Household Debt, and Racial Discrimination in Loan Markets," Journal of Financial Intermediation, Elsevier, vol. 3(1), pages 77-103, October.
    4. Stuart A. Gabriel & Stuart S. Rosenthal, 1991. "Credit rationing, race, and the mortgage market," Journal of Urban Economics, Elsevier, vol. 29(3), pages 371-379, May.
    5. Paul S. Calem, 1992. "The Delaware Valley Mortgage Plan: an analysis using HMDA data," Working Papers 92-3, Federal Reserve Bank of Philadelphia.
    6. Robert B. Avery, 1989. "Making judgments about mortgage lending patterns," Economic Commentary, Federal Reserve Bank of Cleveland, issue Dec.
    7. Glenn B. Canner & Dolores S. Smith, 1991. "Home Mortgage Disclosure Act: expanded data on residential lending," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Nov, pages 859-881.
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    Citations

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    Cited by:

    1. Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1993. "Accounting for racial differences in housing credit markets," Working Papers (Old Series) 9310, Federal Reserve Bank of Cleveland.
    2. Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1993. "Lender consistency in housing credit markets," Working Papers (Old Series) 9309, Federal Reserve Bank of Cleveland.
    3. Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1993. "Home mortgage lending by the numbers," Economic Commentary, Federal Reserve Bank of Cleveland, issue Feb.
    4. Geoffrey M. B. Tootell, 1996. "Can studies of application denials and mortgage defaults uncover taste-based discrimination?," Working Papers 96-10, Federal Reserve Bank of Boston.

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