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The Color of Credit: Mortgage Discrimination, Research Methodology, and Fair-Lending Enforcement by Stephen L. Ross,

In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation credit loan low mortgage score and is viewed as critical for access to the most desirable communities credit loan low mortgage score and most comprehensive public services. Homeownership credit loan low mortgage score and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity.In this book Stephen Ross credit loan low mortgage score and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval credit loan low mortgage score and loan-performance data credit loan low mortgage score and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study credit loan low mortgage score and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), credit loan low mortgage score and insulates some discriminating lenders from investigation. Ross credit loan low mortgage score and Yinger devise new procedures to overcome these weaknesses credit loan low mortgage score and show how the procedures can also be applied todiscrimination in loan-pricing credit loan low mortgage score and credit-scoring.
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