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CRA Lending in a Changing Context: Evidence of Interaction with FHA and Subprime Originations

  • Jonathan Spader


  • Roberto Quercia


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    Article provided by Springer in its journal The Journal of Real Estate Finance and Economics.

    Volume (Year): 44 (2012)
    Issue (Month): 4 (May)
    Pages: 505-525

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    Handle: RePEc:kap:jrefec:v:44:y:2012:i:4:p:505-525
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    1. Paul S. Calem & Kevin Gillen & Susan Wachter, . "The Neighborhood Distribution of Subprime Mortgage Lending," Zell/Lurie Center Working Papers 404, Wharton School Samuel Zell and Robert Lurie Real Estate Center, University of Pennsylvania.
    2. Quercia, Roberto G. & McCarthy, George W. & Wachter, Susan M., 2003. "The impacts of affordable lending efforts on homeownership rates," Journal of Housing Economics, Elsevier, vol. 12(1), pages 29-59, March.
    3. Marsha J. Courchane & Brian J. Surette & Peter M. Zorn, 2004. "Subprime Borrowers: Mortgage Transitions and Outcomes," The Journal of Real Estate Finance and Economics, Springer, vol. 29(4), pages 365-392, December.
    4. Michael LaCour-Little, 2007. "The Home Purchase Mortgage Preferences of Low- and Moderate-Income Households," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 35(3), pages 265-290, 09.
    5. Anthony Pennington-Cross & Joseph Nichols, . "Credit History and the FHA-Conventional Choice," Zell/Lurie Center Working Papers 319, Wharton School Samuel Zell and Robert Lurie Real Estate Center, University of Pennsylvania.
    6. Hendershott, Patric H. & LaFayette, William C. & Haurin, Donald R., 1997. "Debt Usage and Mortgage Choice: The FHA-Conventional Decision," Journal of Urban Economics, Elsevier, vol. 41(2), pages 202-217, March.
    7. Xudong An & Raphael Bostic, 2008. "GSE Activity, FHA Feedback, and Implications for the Efficacy of the Affordable Housing Goals," The Journal of Real Estate Finance and Economics, Springer, vol. 36(2), pages 207-231, February.
    8. Xudong An & Raphael W. Bostic, 2009. "Policy incentives and the extension of mortgage credit: Increasing market discipline for subprime lending," Journal of Policy Analysis and Management, John Wiley & Sons, Ltd., vol. 28(3), pages 340-365.
    9. William C. Apgar & Mark Duda, 2003. "The twenty-fifth anniversary of the Community Reinvestment Act: past accomplishments and future regulatory challenges," Economic Policy Review, Federal Reserve Bank of New York, issue Jun, pages 169-191.
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