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Marsha J. Courchane

Citations

Many of the citations below have been collected in an experimental project, CitEc, where a more detailed citation analysis can be found. These are citations from works listed in RePEc that could be analyzed mechanically. So far, only a minority of all works could be analyzed. See under "Corrections" how you can help improve the citation analysis.

Working papers

  1. Marsha Courchane & Rageev Darolia & Peter Zorn, 2012. "Broker compensation patterns and trends: 2005 - 2009," ERES eres2012_041, European Real Estate Society (ERES).

    Cited by:

    1. Marsha J. Courchane & Stephen L. Ross, 2018. "Evidence and Actions on Mortgage Market Disparities: Research, Fair lending Enforcement and Consumer Protection," Working papers 2018-14, University of Connecticut, Department of Economics.

  2. Marsha J. Courchane, 2005. "Consumer literacy and creditworthiness," Proceedings 950, Federal Reserve Bank of Chicago.

    Cited by:

    1. Elisabete Santos & Margarida Abreu, 2013. "Financial Literacy, Financial Behaviour and Individuals’ Over-indebtedness," Working Papers Department of Economics 2013/11, ISEG - Lisbon School of Economics and Management, Department of Economics, Universidade de Lisboa.
    2. M. A. Baqui Khalily, 2016. "Financial Inclusion, Financial Regulation, and Education in Bangladesh," ADBI Working Papers 621, Asian Development Bank Institute.
    3. Courchane, Marsha & Gailey, Adam & Zorn, Peter, 2008. "Consumer credit literacy: What price perception," Journal of Economics and Business, Elsevier, vol. 60(1-2), pages 125-138.
    4. Matthew Martin, 2007. "A literature review on the effectiveness of financial education," Working Paper 07-03, Federal Reserve Bank of Richmond.
    5. Sprenger, Julia, 2016. "Financial literacy: A barrier to seek financial advice but not a shield against following it," Ruhr Economic Papers 634, RWI - Leibniz-Institut für Wirtschaftsforschung, Ruhr-University Bochum, TU Dortmund University, University of Duisburg-Essen.

  3. Judith A. Clarke & Marsha J. Courchane & Nilanjana Roy, 2005. "On the Robustness of Racial Discrimination Findings in Mortgage Lending Studies," Econometrics Working Papers 0516, Department of Economics, University of Victoria.

    Cited by:

    1. David Nickerson, 2016. "Asset Price Volatility, Credit Rationing and Rational Lending Discrimination," International Journal of Economics and Finance, Canadian Center of Science and Education, vol. 8(10), pages 140-158, October.
    2. Anupam Nanda & Stephen L. Ross, 2008. "The Impact of Property Condition Disclosure Laws on Housing Prices: Evidence from an Event Study using Propensity Scores," Working papers 2008-39, University of Connecticut, Department of Economics.
    3. Darius Palia, 2016. "Differential Access to Capital from Financial Institutions by Minority Entrepreneurs," Journal of Empirical Legal Studies, John Wiley & Sons, vol. 13(4), pages 756-785, December.
    4. Ping Cheng & Zhenguo Lin & Yingchun Liu, 2015. "Racial Discrepancy in Mortgage Interest Rates," The Journal of Real Estate Finance and Economics, Springer, vol. 51(1), pages 101-120, July.

  4. Marsha J. Courchane & Judith A. Giles, 2002. "A Comparison of U.S. and Canadian Residential Mortgage Markets," Econometrics Working Papers 0201, Department of Economics, University of Victoria.

    Cited by:

    1. Cynthia Holmes & Michael LaCour-Little, 2007. "Multifamily Mortgage Lending: A Comparison of the U.S. and Canada," International Real Estate Review, Global Social Science Institute, vol. 10(1), pages 151-170.
    2. David Nickerson, 2016. "Asset Price Volatility, Credit Rationing and Rational Lending Discrimination," International Journal of Economics and Finance, Canadian Center of Science and Education, vol. 8(10), pages 140-158, October.
    3. Wouter J. Den Haan & Steven W. Sumner & Guy M. Yamashiro, 2009. "Bank loan portfolios and the Canadian monetary transmission mechanism," Canadian Journal of Economics/Revue canadienne d'économique, John Wiley & Sons, vol. 42(3), pages 1150-1175, August.

  5. Marsha J. Courchane & Judith A. Giles, 2002. "A Comparison of US and Canadian Residential Mortgage Markets," ERES eres2002_220, European Real Estate Society (ERES).

    Cited by:

    1. David Nickerson, 2016. "Asset Price Volatility, Credit Rationing and Rational Lending Discrimination," International Journal of Economics and Finance, Canadian Center of Science and Education, vol. 8(10), pages 140-158, October.
    2. Wouter J. Den Haan & Steven W. Sumner & Guy M. Yamashiro, 2009. "Bank loan portfolios and the Canadian monetary transmission mechanism," Canadian Journal of Economics/Revue canadienne d'économique, John Wiley & Sons, vol. 42(3), pages 1150-1175, August.

  6. Judith A. Giles & Marsha J. Courchane, 2000. "Stratified Sample Design for Fair Lending Binary Logit Models," Econometrics Working Papers 0007, Department of Economics, University of Victoria.

    Cited by:

    1. McKinley Blackburn & Todd Vermilyea, 2006. "A Comparison of Unexplained Racial Disparities in Bank-Level and Market-Level Models of Mortgage Lending," Journal of Financial Services Research, Springer;Western Finance Association, vol. 29(2), pages 125-147, April.
    2. Jason Dietrich, 2005. "The effects of sampling strategies on the small sample properties of the logit estimator," Journal of Applied Statistics, Taylor & Francis Journals, vol. 32(6), pages 543-554.
    3. Fotios Pasiouras & Chrysovalantis Gaganis, 2007. "Financial characteristics of banks involved in acquisitions: evidence from Asia," Applied Financial Economics, Taylor & Francis Journals, vol. 17(4), pages 329-341.

Articles

  1. Marsha J. Courchane & Leonard C. Kiefer & Peter M. Zorn, 2015. "A Tale of Two Tensions: Balancing Access to Credit and Credit Risk in Mortgage Underwriting," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 43(4), pages 993-1034, November.

    Cited by:

    1. Xinglin Liu & Yu Chen & Yan Xiong & Yanlin Wu, 2024. "Interregional circulation of credit resources and company innovation," PLOS ONE, Public Library of Science, vol. 19(8), pages 1-24, August.
    2. Morris A. Davis & William D. Larson & Stephen D. Oliner & Benjamin Smith, 2019. "Mortgage Risk Since 1990," FHFA Staff Working Papers 19-02, Federal Housing Finance Agency.
    3. Begley, Jaclene & Fout, Hamilton & LaCour-Little, Michael & Mota, Nuno, 2020. "Home equity conversion mortgages: The secondary market investor experience," Journal of Housing Economics, Elsevier, vol. 47(C).
    4. Floros, Ioannis & White, Joshua T., 2016. "Qualified residential mortgages and default risk," Journal of Banking & Finance, Elsevier, vol. 70(C), pages 86-104.
    5. W. Scott Frame, 2015. "Introduction to Special Issue: Government Involvement in Residential Mortgage Markets," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 43(4), pages 807-819, November.
    6. Patrick S. Smith & Crocker H. Liu, 2020. "Institutional Investment, Asset Illiquidity and Post‐Crash Housing Market Dynamics," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 48(3), pages 673-709, September.
    7. Cichulska Aneta & Wisniewski Radosław, 2017. "Issue Of Risk In Literature," Real Estate Management and Valuation, Sciendo, vol. 25(3), pages 74-86, September.

  2. Courchane, Marsha & Darolia, Rajeev & Gailey, Adam, 2015. "Borrowers from a different shore: Asian outcomes in the U.S. mortgage market," Journal of Housing Economics, Elsevier, vol. 28(C), pages 76-90.

    Cited by:

    1. Yunju Nam & Eun Young Choi & Cho Rong Won & Hee Yun Lee, 2023. "The role of racial/ethnic discrimination in financial access and material hardship: Findings from Korean immigrants living in the deep south," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(4), pages 1547-1575, October.
    2. Chakrabarty, Durba & Osei, Michael J. & Winters, John V. & Zhao, Danyang, 2017. "Are Immigrant and Minority Homeownership Rates Gaining Ground in the US?," IZA Discussion Papers 10852, Institute of Labor Economics (IZA).

  3. Courchane, Marsha J. & Darolia, Rajeev & Zorn, Peter M., 2014. "The downs and ups of FHA lending: The government mortgage roller coaster ride," Journal of Housing Economics, Elsevier, vol. 24(C), pages 39-56.

    Cited by:

    1. Marsha J. Courchane & Leonard C. Kiefer & Peter M. Zorn, 2015. "A Tale of Two Tensions: Balancing Access to Credit and Credit Risk in Mortgage Underwriting," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 43(4), pages 993-1034, November.
    2. Bostic, Raphael & Ellen, Ingrid Gould, 2014. "Introduction: Special issue on housing policy in the United States," Journal of Housing Economics, Elsevier, vol. 24(C), pages 1-3.
    3. Zinovyeva, E. G. & Balynskaya, N. R. & Koptyakova, S. V. & Akhmetzianova, O.O., 2020. "Analysis of the residential mortgage market in the Ural Federal District," R-Economy, Ural Federal University, Graduate School of Economics and Management, vol. 6(1), pages 5-13.

  4. Marsha Courchane & Rajeev Darolia & Peter Zorn, 2012. "Broker Compensation Patterns and Trends: 2005–2009," Atlantic Economic Journal, Springer;International Atlantic Economic Society, vol. 40(3), pages 229-251, September.
    See citations under working paper version above.
  5. Marsha J. Courchane & Peter M. Zorn, 2012. "Differential Access to and Pricing of Home Mortgages: 2004 through 2009," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 40, pages 115-158, December.

    Cited by:

    1. Marsha J. Courchane & Leonard C. Kiefer & Peter M. Zorn, 2015. "A Tale of Two Tensions: Balancing Access to Credit and Credit Risk in Mortgage Underwriting," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 43(4), pages 993-1034, November.
    2. Courchane, Marsha J. & Darolia, Rajeev & Zorn, Peter M., 2014. "The downs and ups of FHA lending: The government mortgage roller coaster ride," Journal of Housing Economics, Elsevier, vol. 24(C), pages 39-56.

  6. Judith Clarke & Nilanjana Roy & Marsha Courchane, 2009. "On the robustness of racial discrimination findings in mortgage lending studies," Applied Economics, Taylor & Francis Journals, vol. 41(18), pages 2279-2297.
    See citations under working paper version above.
  7. Courchane, Marsha & Gailey, Adam & Zorn, Peter, 2008. "Consumer credit literacy: What price perception," Journal of Economics and Business, Elsevier, vol. 60(1-2), pages 125-138.

    Cited by:

    1. Maria C. Pereira & Filipe Coelho & Óscar Lourenço, 2017. "Who Feels Credit Constrained in Europe? The Role of Social Capital," Journal of Consumer Affairs, Wiley Blackwell, vol. 51(2), pages 380-405, July.
    2. Cliff A. Robb & Patryk Babiarz & Ann Woodyard & Martin C. Seay, 2015. "Bounded Rationality and Use of Alternative Financial Services," Journal of Consumer Affairs, Wiley Blackwell, vol. 49(2), pages 407-435, July.
    3. Calem, Paul S. & Firestone, Simon & Wachter, Susan M., 2010. "Credit impairment and housing tenure status," Journal of Housing Economics, Elsevier, vol. 19(3), pages 219-232, September.
    4. Stephanie Moulton & Cäzilia Loibl & Anya Samak & J. Michael Collins, 2013. "Borrowing Capacity and Financial Decisions of Low-to-Moderate Income First-Time Homebuyers," Journal of Consumer Affairs, Wiley Blackwell, vol. 47(3), pages 375-403, November.
    5. Sholevar, Maryam & Harris, Laurence, 2019. "Mind the gap: A discussion paper on Financial Literacy, Financial behaviour and Financial Education : Is there any Gender Gap?," OSF Preprints b7zd6, Center for Open Science.
    6. Benjamin Levinger & Marques Benton & Stephan Meier, 2011. "The Cost of Not Knowing the Score: Self-Estimated Credit Scores and Financial Outcomes," Journal of Family and Economic Issues, Springer, vol. 32(4), pages 566-585, December.
    7. Sam Allgood & William B. Walstad, 2011. "The Effects of Perceived and Actual Financial Knowledge on Credit Card Behavior," NFI Working Papers 2011-WP-15, Indiana State University, Scott College of Business, Networks Financial Institute.
    8. syrup, soul, 2023. "Alternative Personal Credit Scoring Tests without Financial History, A Novel Method, Credit Needs and Democracy," SocArXiv g4vjt, Center for Open Science.
    9. Jessica Schicks, 2012. "Over-Indebtedness in Microfinance – An Empirical Analysis of Related Factors on the Borrower Level," Working Papers CEB 12-017, ULB -- Universite Libre de Bruxelles.
    10. Donald R. Haurin & Hazel A. Morrow‐Jones, 2006. "The impact of real Estate Market knowledge on tenure choice: A comparison of black and white households," Housing Policy Debate, Taylor & Francis Journals, vol. 17(4), pages 625-653, January.
    11. Fan, Lu & Chatterjee, Swarn, 2018. "Application of situational stimuli for examining the effectiveness of financial education: A behavioral finance perspective," Journal of Behavioral and Experimental Finance, Elsevier, vol. 17(C), pages 68-75.
    12. J. Michael Collins & Sarah Halpern‐Meekin & Melody Harvey & Jill Hoiting, 2023. "“If I don't have credit, I don't have anything”: Perspectives on the credit scoring system among mothers with low incomes," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(4), pages 1605-1622, October.
    13. Collins, J. Michael, 2013. "The impacts of mandatory financial education: Evidence from a randomized field study," Journal of Economic Behavior & Organization, Elsevier, vol. 95(C), pages 146-158.
    14. Xu, Lisa & Zia, Bilal, 2012. "Financial literacy around the world : an overview of the evidence with practical suggestions for the way forward," Policy Research Working Paper Series 6107, The World Bank.
    15. Jae Min Lee & Narang Park & Wookjae Heo, 2019. "Importance of Subjective Financial Knowledge and Perceived Credit Score in Payday Loan Use," IJFS, MDPI, vol. 7(3), pages 1-21, September.
    16. Isha Chawla & Manouchehr Mokhtari, 2025. "Financial Overconfidence and High-Cost Borrowing: The Moderating Effect of Mobile Payments," FinTech, MDPI, vol. 4(1), pages 1-18, February.
    17. Daniel Ringo, 2019. "Parental Credit Constraints and Child College Attendance," Education Finance and Policy, MIT Press, vol. 14(4), pages 548-571, Fall.
    18. Madelaine L’Esperance, 2020. "Does Responsibility for Financial Tasks Influence Credit Knowledge and Behavior?: Evidence from a Panel of US Couples," Journal of Family and Economic Issues, Springer, vol. 41(2), pages 377-387, June.
    19. J. Michael Collins & Maximilian D. Schmeiser & Carly Urban, 2013. "Protecting Minority Homeowners: Race, Foreclosure Counseling and Mortgage Modifications," Journal of Consumer Affairs, Wiley Blackwell, vol. 47(2), pages 289-310, July.
    20. Domician Mate & Zsuzsanna Kiss & Viktor Laszlo Takacs & Vivien Molnar, 2016. "Measuring Financial Literacy: A Case Study Of Self-Assessment Among Undergraduate Students In Hungary," Annals of Faculty of Economics, University of Oradea, Faculty of Economics, vol. 1(1), pages 690-697, July.
    21. Rene Johannes & Dedy Dedy & Abdullah Muksin, 2018. "The Preparation of Banking Industry in Implementing IFRS 9 Financial Instruments (A Case Study of HSBC Holdings Plc Listed on London Stock Exchange of Year 2015 2017)," International Journal of Economics and Financial Issues, Econjournals, vol. 8(6), pages 124-136.

  8. Marsha J. Courchane, 2007. "The Pricing of Home Mortgage Loans to Minority Borrowers: How Much of the APR Differential Can We Explain?," Journal of Real Estate Research, American Real Estate Society, vol. 29(4), pages 399-440.

    Cited by:

    1. Marsha J. Courchane & Stephen L. Ross, 2018. "Evidence and Actions on Mortgage Market Disparities: Research, Fair lending Enforcement and Consumer Protection," Working papers 2018-14, University of Connecticut, Department of Economics.
    2. Jonathan Spader & Roberto Quercia, 2011. "Mortgage Brokers and the Refinancing Transaction: Evidence from CRA Borrowers," The Journal of Real Estate Finance and Economics, Springer, vol. 42(2), pages 181-210, February.
    3. Marvin Smith & Christy Hevener, 2014. "Subprime lending over time: the role of race," Journal of Economics and Finance, Springer;Academy of Economics and Finance, vol. 38(2), pages 321-344, April.
    4. Patrick Bayer & Fernando Ferreira & Stephen L. Ross, 2013. "The Vulnerability of Minority Homeowners in the Housing Boom and Bust," NBER Working Papers 19020, National Bureau of Economic Research, Inc.
    5. Díaz Serrano, Lluís & Raya, Josep Maria, 2011. "Is there Descriminatory Mortgage Pricing against Immigrants in the Spanish Lending Market?," Working Papers 2072/151811, Universitat Rovira i Virgili, Department of Economics.
    6. Donglin Wang & Don Hong & Qiang Wu, 2023. "Prediction of Loan Rate for Mortgage Data: Deep Learning Versus Robust Regression," Computational Economics, Springer;Society for Computational Economics, vol. 61(3), pages 1137-1150, March.
    7. Wheeler, Christopher H. & Olson, Luke M., 2015. "Racial differences in mortgage denials over the housing cycle: Evidence from U.S. metropolitan areas," Journal of Housing Economics, Elsevier, vol. 30(C), pages 33-49.
    8. Patrick Bayer & Fernando Ferreira & Stephen L. Ross, 2014. "Race, Ethnicity and High-Cost Mortgage Lending," NBER Working Papers 20762, National Bureau of Economic Research, Inc.
    9. Russell Kashian & Robert Drago, 2020. "Race in relation to bank depositors and mortgage applications," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 49(3), September.
    10. Liu, Zilong & Liang, Hongyan, 2025. "Are credit scores gender-neutral? Evidence of mis-calibration from alternative and traditional borrowing data," Journal of Behavioral and Experimental Finance, Elsevier, vol. 47(C).
    11. Diaz-Serrano, Luis & Raya, Josep M., 2014. "Mortgages, immigrants and discrimination: An analysis of the interest rates in Spain," Regional Science and Urban Economics, Elsevier, vol. 45(C), pages 22-32.
    12. Yan Zhang, 2018. "Assessing Fair Lending Risks Using Race/Ethnicity Proxies," Management Science, INFORMS, vol. 64(1), pages 178-197, January.
    13. Manthos D. Delis & Panagiotis Papadopoulos, 2019. "Mortgage Lending Discrimination Across the U.S.: New Methodology and New Evidence," Journal of Financial Services Research, Springer;Western Finance Association, vol. 56(3), pages 341-368, December.
    14. Patrick Bayer & Fernando V. Ferreira & Stephen L. Ross, 2016. "What Drives Racial and Ethnic Differences in High Cost Mortgages? The Role of High Risk Lenders," Working papers 2016-02, University of Connecticut, Department of Economics.
    15. Robert B. Avery & Kenneth P. Brevoort & Glenn Canner, 2012. "Does Credit Scoring Produce a Disparate Impact?," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 40, pages 65-114, December.
    16. Natalya Presman & Nitzan Tzur-Ilan, 2019. "Does Location Matter? Evidence on Differential Mortgage Pricing in Israel," Bank of Israel Working Papers 2019.14, Bank of Israel.
    17. Diaz-Serrano, Luis & Raya, Josep M., 2011. "Is there Discriminatory Mortgage Pricing against Immigrants in the Spanish Lending Market?," IZA Discussion Papers 5578, Institute of Labor Economics (IZA).
    18. Su, Qing, 2015. "Determinants of mortgage pricing: A quantile regression analysisAuthor-Name: Al-Bahrani, Abdullah," Journal of Housing Economics, Elsevier, vol. 30(C), pages 77-85.
    19. Tahsin, Salman, 2022. "Home price growth and minority access to mortgage credit," Journal of Economics and Business, Elsevier, vol. 120(C).
    20. Michael LaCour-Little, 2009. "The Pricing of Mortgages by Brokers: An Agency Problem?," Journal of Real Estate Research, American Real Estate Society, vol. 31(2), pages 235-264.
    21. Ping Cheng & Zhenguo Lin & Yingchun Liu, 2011. "Do Women Pay More for Mortgages?," The Journal of Real Estate Finance and Economics, Springer, vol. 43(4), pages 423-440, November.
    22. Sewin Chan & Andrew F. Haughwout & Joseph Tracy, 2015. "How mortgage finance affects the urban landscape," Staff Reports 713, Federal Reserve Bank of New York.
    23. Brent W. Ambrose & James N. Conklin, 2014. "Mortgage Brokers, Origination Fees, Price Transparency and Competition," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 42(2), pages 363-421, June.
    24. Natalya Bikmetova & Geoffrey K. Turnbull & Velma Zahirovic‐Herbert, 2023. "Ethnicity in housing markets: Buyers, sellers and agents," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 51(1), pages 196-232, January.
    25. Yan Zhang, 2013. "Fair Lending Analysis of Mortgage Pricing: Does Underwriting Matter?," The Journal of Real Estate Finance and Economics, Springer, vol. 46(1), pages 131-151, January.
    26. Courchane, Marsha J. & Darolia, Rajeev & Zorn, Peter M., 2014. "The downs and ups of FHA lending: The government mortgage roller coaster ride," Journal of Housing Economics, Elsevier, vol. 24(C), pages 39-56.
    27. Hany Guirguis & Glenn R. Mueller & Joshua Harris & Andrew G. Mueller, 2017. "Did Increased Large Bank Concentration of US Mortgage Loan Originations Explain Rising Originator Profits?," International Real Estate Review, Global Social Science Institute, vol. 20(3), pages 325-348.
    28. James B. Kau & Lu Fang & Henry J. Munneke, 2019. "An Unintended Consequence of Mortgage Financing Regulation – a Racial Disparity," The Journal of Real Estate Finance and Economics, Springer, vol. 59(4), pages 549-588, November.

  9. Judith Clarke & Marsha Courchane, 2004. "Implications of Stratified Sampling for Fair Lending Binary Logit Models," The Journal of Real Estate Finance and Economics, Springer, vol. 30(1), pages 5-31, October.

    Cited by:

    1. Judith Clarke & Nilanjana Roy & Marsha Courchane, 2009. "On the robustness of racial discrimination findings in mortgage lending studies," Applied Economics, Taylor & Francis Journals, vol. 41(18), pages 2279-2297.
    2. Judith A. Clarke & Nilanjana Roy & Marsha J. Courchane, 2006. "On the Robustness of Racial Disrcimination Findings in Motgage Lending Studies," Econometrics Working Papers 0604, Department of Economics, University of Victoria.
    3. Yongheng Deng & Stuart Gabriel, 2005. "Are Underserved Borrowers Lower Risk? New Evidence on the Performance and Pricing of FHA-Insured Mortgages* (Revised)," Working Paper 8579, USC Lusk Center for Real Estate.

  10. 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.

    Cited by:

    1. John Karikari & Ioan Voicu & Irene Fang, 2011. "FHA vs. Subprime Mortgage Originations: Is FHA the Answer to Subprime Lending?," The Journal of Real Estate Finance and Economics, Springer, vol. 43(4), pages 441-458, November.
    2. Paul S. Willen & Adam Hale Shapiro & Kristopher Gerardi, 2008. "Subprime Outcomes: Risky Mortgages, Homeownership Experiences, and Foreclosures," 2008 Meeting Papers 345, Society for Economic Dynamics.
    3. Michael J. Seiler, 2014. "The Effect of Perceived Lender Characteristics and Market Conditions on Strategic Mortgage Defaults," Framed Field Experiments 00628, The Field Experiments Website.
    4. Calem, Paul S. & Firestone, Simon & Wachter, Susan M., 2010. "Credit impairment and housing tenure status," Journal of Housing Economics, Elsevier, vol. 19(3), pages 219-232, September.
    5. Jonathan S. Spader & Roberto G. Quercia, 2011. "Refinancing transitions and equity extraction among CRA mortgage borrowers," Housing Policy Debate, Taylor & Francis Journals, vol. 21(4), pages 627-645, July.
    6. Marvin Smith & Christy Hevener, 2014. "Subprime lending over time: the role of race," Journal of Economics and Finance, Springer;Academy of Economics and Finance, vol. 38(2), pages 321-344, April.
    7. Dror Parnes, 2023. "Typical States and Their Risks for Mortgage Loans," Journal of Quantitative Economics, Springer;The Indian Econometric Society (TIES), vol. 21(2), pages 395-415, June.
    8. Arthur Acolin & Xudong An & Susan M. Wachter, 2022. "Lending competition, regulation, and nontraditional mortgages," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 50(2), pages 340-365, June.
    9. Jonathan Spader, 2010. "Beyond Disparate Impact: Risk-based Pricing and Disparity in Consumer Credit History Scores," The Review of Black Political Economy, Springer;National Economic Association, vol. 37(2), pages 61-78, June.
    10. Patrick Bayer & Fernando Ferreira & Stephen L. Ross, 2014. "Race, Ethnicity and High-Cost Mortgage Lending," NBER Working Papers 20762, National Bureau of Economic Research, Inc.
    11. Brent C Smith & Kenneth N. Daniels, 2018. "Unintended Consequences of Risk Based Pricing: Racial Differences in Mortgage Costs," Journal of Financial Services Research, Springer;Western Finance Association, vol. 54(3), pages 323-343, December.
    12. Amy Cutts & Robert Order, 2004. "On the Economics of Subprime Lending," The Journal of Real Estate Finance and Economics, Springer, vol. 30(2), pages 167-196, November.
    13. Chandrasekhar Valluri & Sudhakar Raju & Vivek H. Patil, 2022. "Customer determinants of used auto loan churn: comparing predictive performance using machine learning techniques," Journal of Marketing Analytics, Palgrave Macmillan, vol. 10(3), pages 279-296, September.
    14. Marsha J. Courchane, 2007. "The Pricing of Home Mortgage Loans to Minority Borrowers: How Much of the APR Differential Can We Explain?," Journal of Real Estate Research, American Real Estate Society, vol. 29(4), pages 399-440.
    15. Patrick Bayer & Fernando V. Ferreira & Stephen L. Ross, 2016. "What Drives Racial and Ethnic Differences in High Cost Mortgages? The Role of High Risk Lenders," Working papers 2016-02, University of Connecticut, Department of Economics.
    16. Trang M. T. Phung & Quoc N. Tran & Phuong Nguyen‐Hoang & Nhut H. Nguyen & Tho H. Nguyen, 2023. "The role of learning motivation on financial knowledge among Vietnamese college students," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(1), pages 529-563, January.
    17. Courchane, Marsha & Darolia, Rajeev & Gailey, Adam, 2015. "Borrowers from a different shore: Asian outcomes in the U.S. mortgage market," Journal of Housing Economics, Elsevier, vol. 28(C), pages 76-90.
    18. Boudewijn Bruin, 2013. "Epistemic Virtues in Business," Journal of Business Ethics, Springer, vol. 113(4), pages 583-595, April.
    19. Chan, Sewin & Gedal, Michael & Been, Vicki & Haughwout, Andrew, 2011. "The role of neighborhood characteristics in mortgage default risk: evidence from New York City," MPRA Paper 33941, University Library of Munich, Germany.
    20. Antje Berndt & Burton Hollifield & Patrik Sandås, 2021. "What Broker Charges Reveal About Subprime Mortgage Credit Risk," The Journal of Real Estate Finance and Economics, Springer, vol. 63(2), pages 280-326, August.
    21. Giang Ho & Anthony Pennington-Cross, 2005. "The impact of local predatory lending laws," Working Papers 2005-049, Federal Reserve Bank of St. Louis.
    22. Wang, Fan, 2007. "Risk-Based Pricing of High Loan-To-Value Mortgage," MPRA Paper 4788, University Library of Munich, Germany.
    23. 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.
    24. Sewin Chan & Andrew F. Haughwout & Joseph Tracy, 2015. "How mortgage finance affects the urban landscape," Staff Reports 713, Federal Reserve Bank of New York.
    25. Xudong An & Raphael W. Bostic, 2006. "Have the Affordable Housing Goals been a Shield against Subprime? Regulatory Incentives and the Extension of Mortgage Credit," Working Paper 8572, USC Lusk Center for Real Estate.
    26. Metaxatos, Paul & Dijohn, Joseph & Soot, Siim, 2009. "Transportation and the Housing Crisis: Are They Related?," 50th Annual Transportation Research Forum, Portland, Oregon, March 16-18, 2009 207606, Transportation Research Forum.
    27. Lanot, Gauthier & Leece, David, 2010. "The Performance of UK Securitized Subprime Mortgage Debt: ‘Idiosyncratic’ Behaviour or Mortgage Design?," MPRA Paper 27137, University Library of Munich, Germany.
    28. Agarwal, Sumit & Chang, Yan & Yavas, Abdullah, 2012. "Adverse selection in mortgage securitization," Journal of Financial Economics, Elsevier, vol. 105(3), pages 640-660.
    29. Michelle A. Danis & Anthony Pennington-Cross, 2005. "A dynamic look at subprime loan performance," Working Papers 2005-029, Federal Reserve Bank of St. Louis.
    30. Kusum Mundra, 2020. "Immigrant and Minority Homeownership Experience: Evidence from the 2009 American Housing Survey," Eastern Economic Journal, Palgrave Macmillan;Eastern Economic Association, vol. 46(1), pages 53-81, January.
    31. Mundra, Kusum, 2013. "Minority and Immigrant Homeownership Experience: Evidence from the 2009 American Housing Survey," IZA Discussion Papers 7131, Institute of Labor Economics (IZA).
    32. Michelle A. Danis & Anthony Pennington-Cross, 2005. "The delinquency of subprime mortgages," Working Papers 2005-022, Federal Reserve Bank of St. Louis.
    33. Steinbuks, Jevgenijs, 2015. "Effects of prepayment regulations on termination of subprime mortgages," Journal of Banking & Finance, Elsevier, vol. 59(C), pages 445-456.
    34. Jevgenijs Steinbuks & Gregory Elliehausen, 2014. "The Economic Effects of Legal Restrictions on High-Cost Mortgages," The Journal of Real Estate Finance and Economics, Springer, vol. 49(1), pages 47-72, July.
    35. Kelly D. Edmiston, 2009. "Characteristics of high foreclosure neighborhoods in the Tenth District," Economic Review, Federal Reserve Bank of Kansas City, vol. 94(Q II), pages 51-75.
    36. Brian Bucks & Karen M. Pence, 2006. "Do homeowners know their house values and mortgage terms?," Finance and Economics Discussion Series 2006-03, Board of Governors of the Federal Reserve System (U.S.).
    37. Bhardwaj, Geetesh & Sengupta, Rajdeep, 2014. "Subprime cohorts and loan performance," Journal of Banking & Finance, Elsevier, vol. 41(C), pages 236-252.
    38. Mundra, Kusum & Uwaifo Oyelere, Ruth, 2013. "Determinants of Immigrant Homeownership: Examining their Changing Role during the Great Recession and Beyond," IZA Discussion Papers 7468, Institute of Labor Economics (IZA).
    39. Raphael W. Bostic & Brian J. Surette, 2004. "Market Forces or CRA-induced Externalities: What Accounts for the Increase in Mortgage Lending to Lower-Income Communities?," Working Paper 8592, USC Lusk Center for Real Estate.
    40. Jonathan Spader & Roberto Quercia, 2012. "CRA Lending in a Changing Context: Evidence of Interaction with FHA and Subprime Originations," The Journal of Real Estate Finance and Economics, Springer, vol. 44(4), pages 505-525, May.

  11. Courchane, Marsha & Nickerson, David & Sullivan, Richard, 2002. "Investment in internet banking as a real option: theory and tests," Journal of Multinational Financial Management, Elsevier, vol. 12(4-5), pages 347-363.

    Cited by:

    1. Jackowicz, Krzysztof & Kozłowski, Łukasz & Wnuczak, Paweł, 2021. "Which local markets do banks desert first? evidence from poland," Finance Research Letters, Elsevier, vol. 38(C).
    2. Wilson, John O.S. & Casu, Barbara & Girardone, Claudia & Molyneux, Philip, 2010. "Emerging themes in banking: Recent literature and directions for future research," The British Accounting Review, Elsevier, vol. 42(3), pages 153-169.
    3. Chia-Chi Lu & Weifeng Hung & Jyh-Jian Sheu & Pai-Ta Shih, 2011. "Investment with network externality under uncertainty," Review of Quantitative Finance and Accounting, Springer, vol. 36(4), pages 555-564, May.
    4. Taasim, Shairil & Yusoff, Remali, 2017. "An Instruments to Develop Cashless in Malaysia," MPRA Paper 80735, University Library of Munich, Germany.
    5. Allen N. Berger & Astrid A. Dick & Lawrence G. Goldberg & Lawrence White, 2005. "The Effects of Competition from Large, Multimarket Firms on the Performance of Small, Single-Market Firms: Evidence from the Banking Industry," Working Papers 05-02, New York University, Leonard N. Stern School of Business, Department of Economics.
    6. Allen N. Berger & Astrid A. Dick & Lawrence G. Goldberg & Lawrence J. White, 2007. "Competition from Large, Multimarket Firms and the Performance of Small, Single‐Market Firms: Evidence from the Banking Industry," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 39(2‐3), pages 331-368, March.
    7. Richard J. Sullivan & Zhu Wang, 2020. "Technology Diffusion: The Case of Internet Banking," Economic Quarterly, Federal Reserve Bank of Richmond, issue 1Q, pages 19-40.
    8. Sujeeth Ungratwar & Dipasha Sharma & Satish Kumar, 2025. "Mapping the digital banking landscape: a multi-dimensional exploration of fintech, digital payments, and e-wallets, with insights into current scenarios and future research," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 12(1), pages 1-22, December.
    9. W. Scott Frame & Lawrence J. White, 2009. "Technological change, financial innovation, and diffusion in banking," FRB Atlanta Working Paper 2009-10, Federal Reserve Bank of Atlanta.
    10. He, Dongwei & Ho, Chun-Yu & Xu, Li, 2020. "Risk and return of online channel adoption in the banking industry," Pacific-Basin Finance Journal, Elsevier, vol. 60(C).
    11. James J. McAndrews & Zhu Wang, 2006. "Microfoundations of two-sided markets: the payment card example," Payments System Research Working Paper PSR WP 06-01, Federal Reserve Bank of Kansas City.
    12. Richard J. Sullivan & Zhu Wang, 2013. "Internet banking: an exploration in technology diffusion and impact," Working Paper 13-10, Federal Reserve Bank of Richmond.
    13. Donal G. MCKILLOP & Barry QUINN, 2015. "Web Adoption By Irish Credit Unions: Performance Implications," Annals of Public and Cooperative Economics, Wiley Blackwell, vol. 86(3), pages 421-443, September.
    14. Payam Hanafizadeh & Seyedali Marjaie, 2020. "Trends and turning points of banking: a timespan view," Review of Managerial Science, Springer, vol. 14(6), pages 1183-1219, December.
    15. John Goddard & Donal McKillop & John Wilson, 2009. "Which Credit Unions are Acquired?," Journal of Financial Services Research, Springer;Western Finance Association, vol. 36(2), pages 231-252, December.
    16. Krishnan Dandapani & Edward R. Lawrence & Jodonnis Rodriguez, 2018. "Determinants of Transactional Internet Banking," Journal of Financial Services Research, Springer;Western Finance Association, vol. 54(2), pages 243-267, October.
    17. Corrocher, Nicoletta, 2006. "Internet adoption in Italian banks: An empirical investigation," Research Policy, Elsevier, vol. 35(4), pages 533-544, May.
    18. Mo Chen & Xuhua Hu & Jijian Zhang & Zhe Xu & Guang Yang & Zenan Sun, 2023. "Are Firms More Willing to Seek Green Technology Innovation in the Context of Economic Policy Uncertainty? —Evidence from China," Sustainability, MDPI, vol. 15(19), pages 1-24, September.
    19. Damar Evren & Hunnicutt Lynn, 2010. "Credit Union Membership and Use of Internet Banking Technology," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 10(1), pages 1-32, May.
    20. Iwa Kuchciak & Justyna Wiktorowicz, 2021. "Empowering Financial Education by Banks—Social Media as a Modern Channel," JRFM, MDPI, vol. 14(3), pages 1-22, March.
    21. Elisabeta Pana & Sascha Vitzthum & David Willis, 2015. "The impact of internet-based services on credit unions: a propensity score matching approach," Review of Quantitative Finance and Accounting, Springer, vol. 44(2), pages 329-352, February.

  12. Marsha Courchane & David Nickerson, 1997. "Discrimination Resulting from Overage Practices," Journal of Financial Services Research, Springer;Western Finance Association, vol. 11(1), pages 133-151, February.

    Cited by:

    1. James Kau & Donald Keenan & Henry Munneke, 2012. "Racial Discrimination and Mortgage Lending," The Journal of Real Estate Finance and Economics, Springer, vol. 45(2), pages 289-304, August.
    2. Jason Allen & Robert Clark & Jean-François Houde, 2014. "Price Dispersion in Mortgage Markets," Journal of Industrial Economics, Wiley Blackwell, vol. 62(3), pages 377-416, September.
    3. Alper Kara & Philip Molyneux, 2017. "Household Access to Mortgages in the UK," Journal of Financial Services Research, Springer;Western Finance Association, vol. 52(3), pages 253-275, December.
    4. Paolo Emilio Mistrulli & Md Taslim Uddin & Alberto Zazzaro, 2023. "Discrimination Of Immigrants In Mortgage Pricing And Approval: Evidence From Italy," Mo.Fi.R. Working Papers 180, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
    5. Bartlett, Robert & Morse, Adair & Stanton, Richard & Wallace, Nancy, 2022. "Consumer-lending discrimination in the FinTech Era," Journal of Financial Economics, Elsevier, vol. 143(1), pages 30-56.
    6. Matteo Crosignani & Hanh Le, 2023. "Stakeholders’ Aversion to Inequality and Bank Lending to Minorities," Staff Reports 1079, Federal Reserve Bank of New York.
    7. David Hao Zhang & Paul S. Willen, 2021. "Do Lenders Still Discriminate? A Robust Approach for Assessing Differences in Menus," NBER Working Papers 29142, National Bureau of Economic Research, Inc.
    8. Díaz Serrano, Lluís & Raya, Josep Maria, 2011. "Is there Descriminatory Mortgage Pricing against Immigrants in the Spanish Lending Market?," Working Papers 2072/151811, Universitat Rovira i Virgili, Department of Economics.
    9. Wheeler, Christopher H. & Olson, Luke M., 2015. "Racial differences in mortgage denials over the housing cycle: Evidence from U.S. metropolitan areas," Journal of Housing Economics, Elsevier, vol. 30(C), pages 33-49.
    10. Bin Wei & Feng Zhao, 2022. "Racial Disparities in Mortgage Lending: New Evidence Based on Processing Time," FRB Atlanta Working Paper 2022-1, Federal Reserve Bank of Atlanta.
    11. Patrick Bayer & Fernando Ferreira & Stephen L. Ross, 2014. "Race, Ethnicity and High-Cost Mortgage Lending," NBER Working Papers 20762, National Bureau of Economic Research, Inc.
    12. Harold Black & Thomas Boehm & Ramon DeGennaro, 2004. "Is discretionary pricing discretionary?: The case of overages in mortgage lending," The Review of Black Political Economy, Springer;National Economic Association, vol. 31(4), pages 59-68, June.
    13. Stephen L. Ross, 2005. "The Continuing Practice and Impact of Discrimination," Working papers 2005-19, University of Connecticut, Department of Economics, revised Jul 2006.
    14. Diaz-Serrano, Luis & Raya, Josep M., 2014. "Mortgages, immigrants and discrimination: An analysis of the interest rates in Spain," Regional Science and Urban Economics, Elsevier, vol. 45(C), pages 22-32.
    15. Yan Zhang, 2018. "Assessing Fair Lending Risks Using Race/Ethnicity Proxies," Management Science, INFORMS, vol. 64(1), pages 178-197, January.
    16. Solomon Y. Deku & Alper Kara & Philip Molyneux, 2016. "Access to consumer credit in the UK," The European Journal of Finance, Taylor & Francis Journals, vol. 22(10), pages 941-964, August.
    17. David Nickerson, 2016. "Asset Price Volatility, Credit Rationing and Rational Lending Discrimination," International Journal of Economics and Finance, Canadian Center of Science and Education, vol. 8(10), pages 140-158, October.
    18. Blanchard, Lloyd & Zhao, Bo & Yinger, John, 2008. "Do lenders discriminate against minority and woman entrepreneurs?," Journal of Urban Economics, Elsevier, vol. 63(2), pages 467-497, March.
    19. Patrick Bayer & Fernando V. Ferreira & Stephen L. Ross, 2016. "What Drives Racial and Ethnic Differences in High Cost Mortgages? The Role of High Risk Lenders," Working papers 2016-02, University of Connecticut, Department of Economics.
    20. Susan E. Woodward & Robert E. Hall, 2012. "Diagnosing Consumer Confusion and Sub-optimal Shopping Effort: Theory and Mortgage-Market Evidence," American Economic Review, American Economic Association, vol. 102(7), pages 3249-3276, December.
    21. H. Young Baek & David D. Cho, 2023. "Are Minorities Still Paying Higher Mortgage Interest Rates?," International Advances in Economic Research, Springer;International Atlantic Economic Society, vol. 29(1), pages 31-47, May.
    22. Natalya Presman & Nitzan Tzur-Ilan, 2019. "Does Location Matter? Evidence on Differential Mortgage Pricing in Israel," Bank of Israel Working Papers 2019.14, Bank of Israel.
    23. Stephen L. Ross, 2003. "What Is Known about Testing for Discrimination: Lessons Learned by Comparing across Different Markets," Working papers 2003-21, University of Connecticut, Department of Economics, revised Nov 2003.
    24. Wendy Edelberg, 2007. "Racial dispersion in consumer credit interest rates," Finance and Economics Discussion Series 2007-28, Board of Governors of the Federal Reserve System (U.S.).
    25. Lloyd Blanchard & Bo Zhao & John Yinger, 2005. "Do Credit Market Barriers Exist for Minority and Women Entrepreneurs?," Center for Policy Research Working Papers 74, Center for Policy Research, Maxwell School, Syracuse University.
    26. Diaz-Serrano, Luis & Raya, Josep M., 2011. "Is there Discriminatory Mortgage Pricing against Immigrants in the Spanish Lending Market?," IZA Discussion Papers 5578, Institute of Labor Economics (IZA).
    27. Su, Qing, 2015. "Determinants of mortgage pricing: A quantile regression analysisAuthor-Name: Al-Bahrani, Abdullah," Journal of Housing Economics, Elsevier, vol. 30(C), pages 77-85.
    28. Bruder, Jana & Neuberger, Doris & Räthke-Döppner, Solvig, 2008. "Financial constraints of ethnic entrepreneurship: Evidence from Germany," Thuenen-Series of Applied Economic Theory 84, University of Rostock, Institute of Economics.
    29. Song Han, 2002. "On the economics of discrimination in credit markets," Finance and Economics Discussion Series 2002-2, Board of Governors of the Federal Reserve System (U.S.).
    30. Song Han, 2004. "Discrimination in Lending: Theory and Evidence," The Journal of Real Estate Finance and Economics, Springer, vol. 29(1), pages 5-46, July.
    31. 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.
    32. Tian, Geran & Wu, Weixing, 2023. "Big data pricing in marketplace lending and price discrimination against repeat borrowers: Evidence from China," China Economic Review, Elsevier, vol. 78(C).
    33. Yan Zhang, 2013. "Fair Lending Analysis of Mortgage Pricing: Does Underwriting Matter?," The Journal of Real Estate Finance and Economics, Springer, vol. 46(1), pages 131-151, January.
    34. Nothaft, Frank E. & Perry, Vanessa G., 2002. "Do mortgage rates vary by neighborhood? Implications for loan pricing and redlining," Journal of Housing Economics, Elsevier, vol. 11(3), pages 244-265, September.
    35. Song Han, 2011. "Creditor Learning and Discrimination in Lending," Journal of Financial Services Research, Springer;Western Finance Association, vol. 40(1), pages 1-27, October.
    36. Ping Cheng & Zhenguo Lin & Yingchun Liu, 2015. "Racial Discrepancy in Mortgage Interest Rates," The Journal of Real Estate Finance and Economics, Springer, vol. 51(1), pages 101-120, July.

Books

  1. Robert B. Avery & Marsha J. Courchane & Peter Zorn, 2009. "The CRA within a changing financial landscape," Monograph, Federal Reserve Bank of San Francisco, number 2009tcwacf.

    Cited by:

    1. Carolina Reid, 2010. "Sought or sold? Social embeddedness and consumer decisions in the mortgage market," Community Development Working Paper 2010-09, Federal Reserve Bank of San Francisco.
    2. Robert B. Avery & Kenneth P. Brevoort, 2011. "The subprime crisis: Is government housing policy to blame?," Finance and Economics Discussion Series 2011-36, Board of Governors of the Federal Reserve System (U.S.).

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