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Biases in Tests for Redlining by Lenders
Michael Schill New York University School of Law
Clifford Rossi and Fred PhillipsPatrick Office of Thrift Supervision
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American Bankers Association areas Bankers Association 1995 Benston bias biased Bibliography for source Boston Fed study census tract characteristics credit history credit risk credit scoring creditworthiness default losses denial rates discrimination in mortgage discriminatory disparate impact disparate treatment economic effect ENDNOTES See Bibliography essays estimated evaluate examiners example factors fair lending Federal Reserve finding flaws Hispanic HMDA data Home Mortgage identify included income indicate individual institutions lenders lending decision lending discrimination loan applications loan approval loan files loan officers loan-to-value ratio measure minority applicants models of mortgage mortgage applications mortgage discrimination mortgage lending mortgage loans mortgage market non-minority applicants percent potential problems protected groups race racial composition racial discrimination racial redlining rejection rates reported rights reserved sample simple models simple statistical statistical analysis statistical model statistical tests statistically significant test for discrimination test for redlining underwriting underwriting standards variables white applicants Yezer