The Color of Credit: Mortgage Discrimination, Research Methodology, and Fair-Lending Enforcement

By Reynold F. Nesiba. 2003

288 citations recorded by the source corpus.

Subfields: Economics and Econometrics, Finance

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Citations in the corpus

A multidisciplinary survey on discrimination analysis (2013, background): “Among the possible contexts of racial profiling (e.g. by police, airport security, or income tax fraud investigators), vehicle stops have attracted the vast majority of research.”
Health Disparities due to Diminished Return among Black Americans: Public Policy Solutions (2018, background): “Another institution that systematically discriminates against Blacks is the banking system (Ross & Yinger, 2002).”
What’s in a Picture? (2011, background): “2 See Altonji and Blank (1999) and Blank, Dabady, and Citro (2004) for reviews of empirical work on assessing discrimination in labor markets, and Ross and Yinger (2002) for a similar review in credit markets with a focus on mortgage lending.”
The Impact of Jury Race in Criminal Trials (2012, background): “…compelling empirical research designs to estimate the effect of race in other areas include Bertrand and Mullainathan (2004) in employment; Ross and Yinger (2002) in mortgage lending; Knowles, Persico and Todd (2001), Anwar and Fang (2006), and Antonovics and Knight (2009) in motor…”
Handling Conditional Discrimination (2011, background): “The second group of studies concerns finding quantitative evidence of discrimination in decision making at an aggregated level [8]–[13].”
Stress, Marital Satisfaction, and Psychological Distress Among African Americans (2010, background): “…housing market, and those associated with obtaining credit remain serious concerns among African Americans despite the existence of protective legislation (Krieger et al., 2006; Stephen & Yinger, 2002; Turner, Stephen, Galster, & Yinger, 2002; U.S. Equal Employment Opportunity Commission, 2007).”
The Sociology of Discrimination: Racial Discrimination in Employment, Housing, Credit, and Consumer Markets. (2008, background): “…black testers are less likely to receive a quote for a loan than are white testers and that they are given less time with the loan officer, are quoted higher interest rates, and are given less coaching and less information than are comparable white applicants (for a review, see Ross & Yinger 2002).”
Discrimination in mortgage lending: Evidence from a correspondence experiment☆ (2016, background): “5 See Smith and Delair (1999) for a summary of early evidence on discrimination y mortgage lenders from a sample of enforcement-based in-person audits which overs five US cities.”
Racial Profiling, Insurance Style: Insurance Redlining and the Uneven Development of Metropolitan Areas (2003, background): “…have long been subject to research and public policy initiatives (Goering & Wienk, 1996; Haag, 2000; Munnell, Browne, McEneaney, & Tootell, 1996; Ross & Yinger, 2002; Stuart, 2003), equally pernicious, but less scrutinized, has been the behavior of the property insurance industry (Badain, 1980;…”
American home: predatory mortgage capital and neighbourhood spaces of race and class exploitation in the united states (2006, background): “…1 and 2).12 Most of the applicant variables follow the established conventions of the mortgage-lending literature (e.g. Harrison, 2000; Holloway, 1998; Ross and Yinger, 2002; Schill and Wachter, 1993), but several specialized measures capture the flows of capital that are central to our analysis.”