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THE LEGISLATIVE RESPONSE
A REVIEW OF THE LITERATURE
MEASUREMENT OF DISCRIMINATION IN MORTGAGE LENDING
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analysis approval probability assumptions BFS data biased borderline borrower characteristics coefficient on race correlation credit history credit scoring creditworthiness cross-correlations data conditions default probability default rates dependent variable differences direct regression discrimination in mortgage discriminatory disparate treatment ECOA econometric empirical factors Fair Housing Act FHA loans GRANT0 Graph Hexp Hispanic HMDA data households housing expense income lender bias levels of lender loan amount loan demand loan terms loan-to-value ratio logit major credit problems method minority applicants minority loan applicants Minority Minority Minority Moreover mortgage choice mortgage credit mortgage discrimination mortgage lending process mortgage loan neighborhood NETW ODEBT omitted variable bias parameter payment pseudo data sets qualifications race effect racial redlining regulatory rejection probability model reverse regression estimates sample significant simulation single equation estimates statistical studies Table total debt Totdebt underwriting underwriting rules values vector white applicant whites and minorities Yezer Yinger zero