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A Reconsideration Of Discrimination In Mortgage Underwriting With Data From A National Mortgage Bank

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  • Eric Rosenblatt
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    File URL: http://hdl.handle.net/10.1023/A:1007935308560
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    Bibliographic Info

    Article provided by Springer in its journal Journal of Financial Services Research.

    Volume (Year): 11 (1997)
    Issue (Month): 1 (February)
    Pages: 109-131

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    Handle: RePEc:kap:jfsres:v:11:y:1997:i:1:p:109-131

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    Web page: http://www.springerlink.com/link.asp?id=102934

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    Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
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    1. 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, vol. 9(3), pages 223-39, November.
    2. Yezer, Anthony M J & Phillips, Robert F & Trost, Robert P, 1994. "Bias in Estimates of Discrimination and Default in Mortgage Lending: The Effects of Simultaneity and Self-Selection," The Journal of Real Estate Finance and Economics, Springer, vol. 9(3), pages 197-215, November.
    3. Rosenblatt, Eric & Vanderhoff, James, 1992. "The Closing Rate on Residential Mortgage Commitments: An Econometric Analysis," The Journal of Real Estate Finance and Economics, Springer, vol. 5(1), pages 85-98, March.
    4. Barth, James R & Cordes, Joseph J & Yezer, Anthony M J, 1983. "An Analysis of Informational Restrictions on the Lending Decisions of Financial Institutions," Economic Inquiry, Western Economic Association International, vol. 21(3), pages 349-60, July.
    5. Becker, Gary S., 1971. "The Economics of Discrimination," University of Chicago Press Economics Books, University of Chicago Press, edition 1, number 9780226041162, July.
    6. 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.
    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.
    8. William B. Shear & Anthony M. J. Yezer, 1985. "Discrimination in Urban Housing Finance: An Empirical Study across Cities," Land Economics, University of Wisconsin Press, vol. 64(3), pages 292-302.
    9. 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.), issue Nov, pages 801-824.
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    Cited by:
    1. David Horne, 1997. "Mortgage Lending, Race, and Model Specification," Journal of Financial Services Research, Springer, vol. 11(1), pages 43-68, February.
    2. Jana Bruder & Doris Neuberger & Solvig Raethke-Doeppner, 2007. "Financial Constraints of Ethnic Entrepreneurship: Evidence from Germany," Thuenen-Series of Applied Economic Theory 84, University of Rostock, Institute of Economics, Germany.
    3. Black, Harold A. & Boehm, Thomas P. & DeGennaro, Ramon P., 2003. "Is there discrimination in mortgage pricing? The case of overages," Journal of Banking & Finance, Elsevier, vol. 27(6), pages 1139-1165, June.
    4. Paul S. Calem & Stanley D. Longhofer, 2000. "Anatomy of a fair-lending exam: the uses and limitations of statistics," Finance and Economics Discussion Series 2000-15, Board of Governors of the Federal Reserve System (U.S.).
    5. Douglas D. Evanoff & Lewis M. Segal, 1996. "CRA and fair lending regulations: resulting trends in mortgage lending," Economic Perspectives, Federal Reserve Bank of Chicago, issue Nov, pages 19-46.
    6. Dawkins, Mark C., 2002. "Simultaneity bias in mortgage lending: A test of simultaneous equations models on bank-specific data," Journal of Banking & Finance, Elsevier, vol. 26(8), pages 1593-1613, August.
    7. Stanley D. Longhofer & Stephen R. Peters, 1998. "Self-selection and discrimination in credit markets," Working Paper 9809, Federal Reserve Bank of Cleveland.
    8. Paul S. Calem & Stanley D. Longhofer, 2000. "Anatomy of a fair-lending exam: the uses and limitations of statistics," Working Paper 0003R, Federal Reserve Bank of Cleveland.

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