ABSTRACT
First published in 1997, this volume features a wealth of contributions discussing mortgage lending discrimination and the role of the FHA, fair lending enforcement and the Decatur case, along with the future of mortgage discrimination research. This key civil rights debate in the wake of the Fair Housing Act 25 years prior is evaluated and clarified through rigorous review of fair lending research, applied projects and enforcement activities to date. It argues forcefully that the right to take out a mortgage to buy a home should be conditioned only upon one’s credit worthiness and not on one’s race or ethnic group.
TABLE OF CONTENTS
part One|397 pages
Mortgage Lending Discrimination Research
chapter Chapter Six|37 pages
Race, Redlining, and Residential Mortgage Defaults: Evidence from The FHA-Insured Single-Family Loan Program
chapter Chapter Eight|8 pages
Comparing Loan Performance between Races as a Test for Discrimination: A Critique of the Berkovec et al. Study
part Two|278 pages
Fair Lending Enforcement
chapter Chapter Seventeen|12 pages
Comments and Response by Decatur Federal Savings and Loan Association
chapter Chapter Nineteen|25 pages
Methods for Identifying Lenders for Investigation under the Fair Housing Act
chapter Chapter Twenty|29 pages
Fair Lending Management: Using Influence Statistics to Identify Critical Mortgage Loan Applications
chapter Chapter Twenty-One|12 pages
A Practical Model for Investigating Mortgage Lending Discrimination by Financial Institutions
chapter Chapter Twenty-Three|22 pages
The Role of Private, Nonprofit Fair Housing Enforcement Organizations in Lending Testing
chapter Chapter Twenty-Four|12 pages
Preapplication Mortgage Lending Testing Program: Lender Testing by a Local Agency
chapter Chapter Twenty-Six|26 pages
Patterns of Residential Mortgage Activity in Philadelphia’s Low- and Mode Rate-Income Neighborhoods: 1990–91
part Three|40 pages
Future Directions