Race and Default in Credit Markets: A Colloquy
A research & commentary on the critical policy issue of whether or not racial discrimination exists in the home mortgage lending industry. A collection of essays on this topic by experts such as John Yinger, Stephen Ross, & George Galster. Also includes commentaries on mortgage performance & housing market discrimination, default rates & their place in the controversy, & the role of FHA data in the lending discrimination discussion. Graphs, charts.
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African Americans assumption average BCGH model BCGH results BCGH study behavior Berkovec black borrowers Canner census tract Cityscape coefficient credit characteristics credit history creditworthiness crime critiques default approach default costs default probability default study Department of Housing Development and Research discrimination in mortgage Economics empirical fair lending Federal Housing Administration FHA lending FHA loans FHA Mortgage finding flaws foreclosure Gabriel Galster higher default rates highrises Hispanic Housing and Urban housing market HUD's issue Journal of Policy Large PHAs largest PHAs lender loss lending discrimination loan applications loan approval loan default lowrise marginal minority applicants minority borrowers minority loans Mortgage Discrimination Mortgage Lending mortgage loan mortgage market Munnell neighborhood nonminority omitted variable bias omitted-variable bias percent Policy Development problems public housing racial differences racially changing Real Estate residents Ross sample statistical discrimination test for discrimination tion Tootell U.S. Department unobserved characteristics Urban Development white borrowers Yezer Yinger
Page 24 - Race, Default Risk, and Mortgage Lending: A Study of the FHA and Conventional Loan Markets," Southern Economic Journal 58.
Page 22 - Section, Division of Research and Statistics, Board of Governors of the Federal Reserve System, Washington, DC 20551. Transaction category, or sector 1973 1974 1975 1976 1977 1978 19 76 19 77 19 7В 1 Total funds advanced in credit markets to HI H2 HI H2 HI...
Page 24 - Effects of the Racial Composition of Neighborhoods on Default and Implications for Racial Discrimination in Mortgage Markets.
Page 105 - ... of the Fair Housing Act, title VIII of the Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988, 42 USC 3601 et seq.
Page 22 - School of Business and the Graduate School of Business Administration of the University of Southern California at Los Angeles. Mr. Dockson has received the Human Relations Award of the American Jewish Committee and the Brotherhood Award of the National Conference of Christians and Jews. Anne G. Draper Washington, DC Ms.
Page 103 - Secretary and principal departmental staff on issues and policies affecting civil rights and equal opportunity in housing and related facilities, community development, employment, and business.
Page 1 - Wachter formerly assistant secretary for policy development and research at the US Department of Housing and Urban Development...
Page 63 - Paper prepared for the annual meeting of the American Real Estate and Urban Economics Association, New York, 1986.
Page 81 - It traces the role of FHA in neighborhood change and racial exploitation from the FHA inventory of almost 30,000 homes in Detroit to cities all across the country. In some cities like Detroit, Chicago or Cleveland, the devastation of FHA dealt a lethal blow to entire communities and undermined the vitality and viability of the entire city. In other places, FHA abuses were limited to a few neighborhoods.