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The Importance of Lender Heterogeneity in Mortgage Lending

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  • Harrison, David M.
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    Article provided by Elsevier in its journal Journal of Urban Economics.

    Volume (Year): 49 (2001)
    Issue (Month): 2 (March)
    Pages: 285-309

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    Handle: RePEc:eee:juecon:v:49:y:2001:i:2:p:285-309

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    Web page: http://www.elsevier.com/locate/inca/622905

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    References

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    1. 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.), Board of Governors of the Federal Reserve System (U.S.), issue Nov, pages 859-881.
    2. Paul S. Calem & Susan M. Wachter, 1999. "Community Reinvestment and Credit Risk: Evidence from an Affordable-Home-Loan Program," Real Estate Economics, American Real Estate and Urban Economics Association, American Real Estate and Urban Economics Association, vol. 27(1), pages 105-134.
    3. HAROLD Black & M. Collins & Ken Cyree, 1997. "Do Black-Owned Banks Discriminate against Black Borrowers?," Journal of Financial Services Research, Springer, Springer, vol. 11(1), pages 189-204, February.
    4. Charles W. Calomiris & Charles M. Kahn & Stanley D. Longhofer, 1994. "Housing-finance intervention and private incentives: helping minorities and the poor," Proceedings, Federal Reserve Bank of Cleveland, Federal Reserve Bank of Cleveland, pages 634-678.
    5. Moulton, Brent R, 1987. "Diagnostics for Group Effects in Regression Analysis," Journal of Business & Economic Statistics, American Statistical Association, American Statistical Association, vol. 5(2), pages 275-82, April.
    6. Glenn B. Canner & Wayne Passmore, 1994. "Residential lending to low-income and minority families: evidence from the 1992 HMDA data," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), Board of Governors of the Federal Reserve System (U.S.), issue Feb, pages 79-108.
    7. Jonathan A. Neuberger & Ronald H. Schmidt, 1990. "Costly information and the CRA," FRBSF Economic Letter, Federal Reserve Bank of San Francisco, Federal Reserve Bank of San Francisco, issue sep21.
    8. Calem, Paul S, 1996. "Mortgage Credit Availability in Low- and Moderate-Income Minority Neighborhoods: Are Information Externalities Critical?," The Journal of Real Estate Finance and Economics, Springer, Springer, vol. 13(1), pages 71-89, July.
    9. Moulton, Brent R., 1986. "Random group effects and the precision of regression estimates," Journal of Econometrics, Elsevier, Elsevier, vol. 32(3), pages 385-397, August.
    10. Tootell, Geoffrey M B, 1996. "Redlining in Boston: Do Mortgage Lenders Discriminate against Neighborhoods?," The Quarterly Journal of Economics, MIT Press, MIT Press, vol. 111(4), pages 1049-79, November.
    11. Schafer, Robert, 1979. "Racial discrimination in the Boston housing market," Journal of Urban Economics, Elsevier, Elsevier, vol. 6(2), pages 176-196, April.
    12. Ling, David C. & Wachter, Susan M., 1998. "Information Externalities and Home Mortgage Underwriting," Journal of Urban Economics, Elsevier, Elsevier, vol. 44(3), pages 317-332, November.
    13. Schill, Michael H & Wachter, Susan M, 1994. "Borrower and Neighborhood Racial and Income Characteristics and Financial Institution Mortgage Application Screening," The Journal of Real Estate Finance and Economics, Springer, Springer, vol. 9(3), pages 223-39, November.
    14. Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1993. "Lender consistency in housing credit markets," Working Paper, Federal Reserve Bank of Cleveland 9309, Federal Reserve Bank of Cleveland.
    15. Raphael W. Bostic & Glenn B. Canner, 1998. "Do minority-owned banks treat minorities better? an empirical test of the cultural affinity hypothesis," Proceedings, Federal Reserve Bank of Chicago 583, Federal Reserve Bank of Chicago.
    16. Masulis, Ronald W., 1982. "Government intervention in the mortgage market : A study of anti-redlining regulations," Journal of Monetary Economics, Elsevier, Elsevier, vol. 10(2), pages 191-213.
    17. Glenn B. Canner & Dolores S. Smith, 1992. "Expanded HMDA data on residential lending: one year later," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), Board of Governors of the Federal Reserve System (U.S.), issue Nov, pages 801-824.
    18. Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1994. "Cross-lender variation in home mortgage lending," Economic Review, Federal Reserve Bank of Cleveland, Federal Reserve Bank of Cleveland, issue Q IV, pages 12-29.
    19. Alicia H. Munnell, 1992. "Mortgage lending in Boston: interpreting HMDA data," Working Papers, Federal Reserve Bank of Boston 92-7, Federal Reserve Bank of Boston.
    20. Fred J. Phillips-Patrick & Clifford V. Rossi, 1996. "Statistical Evidence of Mortgage Redlining? A Cautionary Tale," Journal of Real Estate Research, American Real Estate Society, American Real Estate Society, vol. 11(1), pages 13-24.
    21. Avery, Robert B. & Beeson, Patricia E. & Sniderman, Mark S., 1999. "Neighborhood Information and Home Mortgage Lending," Journal of Urban Economics, Elsevier, Elsevier, vol. 45(2), pages 287-310, March.
    22. Gatzlaff Dean H. & Ling David C., 1994. "Measuring Changes in Local House Prices: An Empirical Investigation of Alternative Methodologies," Journal of Urban Economics, Elsevier, Elsevier, vol. 35(2), pages 221-244, March.
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    Cited by:
    1. Neil Bhutta, 2008. "Giving credit where credit is due? the Community Reinvestment Act and mortgage lending in lower-income neighborhoods," Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) 2008-61, Board of Governors of the Federal Reserve System (U.S.).
    2. Blackburn, McKinley & Vermilyea, Todd, 2007. "The role of information externalities and scale economies in home mortgage lending decisions," Journal of Urban Economics, Elsevier, Elsevier, vol. 61(1), pages 71-85, January.
    3. AKM Rezaul Hossain, 2005. "A Simple Model of Credit Rationing with Information Externalities," Working papers, University of Connecticut, Department of Economics 2005-11, University of Connecticut, Department of Economics.

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