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A Model of Redlining

Citations

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Cited by:

  1. Saiz, Albert & Salazar-Miranda, Arianna, 2023. "Understanding Urban Economies, Land Use, and Social Dynamics in the City: Big Data and Measurement," IZA Discussion Papers 16501, Institute of Labor Economics (IZA).
  2. Ross, Stephen L. & Tootell, Geoffrey M. B., 2004. "Redlining, the Community Reinvestment Act, and private mortgage insurance," Journal of Urban Economics, Elsevier, vol. 55(2), pages 278-297, March.
  3. Alexander N. Bogin & Jessica Shui, 2018. "Appraisal Accuracy, Automated Valuation Models, And Credit Modeling in Rural Areas," FHFA Staff Working Papers 18-03, Federal Housing Finance Agency.
  4. Zenou, Yves, 2002. "How do firms redline workers?," Journal of Urban Economics, Elsevier, vol. 52(3), pages 391-408, November.
  5. Montalvo, José G. & Piolatto, Amedeo & Raya, Josep, 2020. "Transaction-tax evasion in the housing market," Regional Science and Urban Economics, Elsevier, vol. 81(C).
  6. Paul Calem & Jeanna Kenney & Lauren Lambie‐Hanson & Leonard Nakamura, 2021. "Appraising home purchase appraisals," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 49(S1), pages 134-168, March.
  7. Lin, Emily Y., 2001. "Information, Neighborhood Characteristics, and Home Mortgage Lending," Journal of Urban Economics, Elsevier, vol. 49(2), pages 337-355, March.
  8. Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1996. "Neighborhood information and home mortgage lending," Working Papers (Old Series) 9620, Federal Reserve Bank of Cleveland.
  9. Ethan Cohen-Cole, 2008. "Credit card redlining," Supervisory Research and Analysis Working Papers QAU08-1, Federal Reserve Bank of Boston.
  10. Calem, Paul S. & Firestone, Simon & Wachter, Susan M., 2010. "Credit impairment and housing tenure status," Journal of Housing Economics, Elsevier, vol. 19(3), pages 219-232, September.
  11. Avery, Robert B. & Beeson, Patricia E. & Sniderman, Mark S., 1999. "Neighborhood Information and Home Mortgage Lending," Journal of Urban Economics, Elsevier, vol. 45(2), pages 287-310, March.
  12. Collins, William J. & Margo, Robert A., 2001. "Race and Home Ownership: A Century-Long View," Explorations in Economic History, Elsevier, vol. 38(1), pages 68-92, January.
  13. Hugh Morris, 2012. "Financial Exclusion and Australian Domestic General Insurance: The Impact of Financial Services Reforms," PhD Thesis, Finance Discipline Group, UTS Business School, University of Technology, Sydney, number 33, July-Dece.
  14. Ozlem Akin & José Montalvo & Jaume García Villar & José-Luis Peydró & Josep Raya, 2014. "The real estate and credit bubble: evidence from Spain," SERIEs: Journal of the Spanish Economic Association, Springer;Spanish Economic Association, vol. 5(2), pages 223-243, August.
  15. David Nickerson & Robert Jones, 2017. "Collateral Risk and Demographic Discrimination in Mortgage Market Equilibria," Review of Economics & Finance, Better Advances Press, Canada, vol. 9, pages 13-28, August.
  16. Christopher Henderson, 2002. "Asymmetric Information in Community Banking and Its Relationship to Credit-Market Discrimination," American Economic Review, American Economic Association, vol. 92(2), pages 315-319, May.
  17. George H. Lentz & Ko Wang, 1998. "Residential Appraisal and the Lending Process: A Survey of Issues," Journal of Real Estate Research, American Real Estate Society, vol. 15(1), pages 11-40.
  18. Agarwal, Sumit & Ambrose, Brent W. & Yao, Vincent W., 2020. "Can regulation de-bias appraisers?," Journal of Financial Intermediation, Elsevier, vol. 44(C).
  19. Ghent, Andra C. & Hernández-Murillo, Rubén & Owyang, Michael T., 2014. "Differences in subprime loan pricing across races and neighborhoods," Regional Science and Urban Economics, Elsevier, vol. 48(C), pages 199-215.
  20. AKM Rezaul Hossain, 2005. "A Simple Model of Credit Rationing with Information Externalities," Working papers 2005-11, University of Connecticut, Department of Economics.
  21. Jeffrey M. Lacker, 1994. "Does adverse selection justify government intervention in loan markets?," Economic Quarterly, Federal Reserve Bank of Richmond, issue Win, pages 61-95.
  22. Neil Bhutta, 2009. "Regression discontinuity estimates of the effects of the GSE act of 1992," Finance and Economics Discussion Series 2009-03, Board of Governors of the Federal Reserve System (U.S.).
  23. Zenou, Yves & Boccard, Nicolas, 2000. "Racial Discrimination and Redlining in Cities," Journal of Urban Economics, Elsevier, vol. 48(2), pages 260-285, September.
  24. Alexis Direr, 2008. "Multiple Equilibria in Markets with Screening," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 40(4), pages 791-798, June.
  25. Moulton, Shawn, 2014. "Did affordable housing mandates cause the subprime mortgage crisis?," Journal of Housing Economics, Elsevier, vol. 24(C), pages 21-38.
  26. Collins, William J. & Margo, Robert A., 2003. "Race and the value of owner-occupied housing, 1940-1990," Regional Science and Urban Economics, Elsevier, vol. 33(3), pages 255-286, May.
  27. Neil Bhutta, 2011. "The Community Reinvestment Act and Mortgage Lending to Lower Income Borrowers and Neighborhoods," Journal of Law and Economics, University of Chicago Press, vol. 54(4), pages 953-983.
  28. devin michelle bunten & Stephan Weiler & Eric Thompson & Sammy Zahran, 2015. "Entrepreneurship, Information, And Growth," Journal of Regional Science, Wiley Blackwell, vol. 55(4), pages 560-584, September.
  29. Song Han, 2011. "Creditor Learning and Discrimination in Lending," Journal of Financial Services Research, Springer;Western Finance Association, vol. 40(1), pages 1-27, October.
  30. Neil Bhutta, 2012. "GSE Activity and Mortgage Supply in Lower-Income and Minority Neighborhoods: The Effect of the Affordable Housing Goals," The Journal of Real Estate Finance and Economics, Springer, vol. 45(1), pages 238-261, June.
  31. Lee, Hyojung & Bostic, Raphael W., 2020. "Bank adaptation to neighborhood change: Mortgage lending and the Community Reinvestment Act," Journal of Urban Economics, Elsevier, vol. 116(C).
  32. Petach, Luke & Weiler, Stephan & Conroy, Tessa, 2021. "It’s a wonderful loan: local financial composition, community banks, and economic resilience," Journal of Banking & Finance, Elsevier, vol. 126(C).
  33. Ling, David C. & Wachter, Susan M., 1998. "Information Externalities and Home Mortgage Underwriting," Journal of Urban Economics, Elsevier, vol. 44(3), pages 317-332, November.
  34. Ozgur Emre Ergungor, 2010. "Bank Branch Presence and Access to Credit in Low‐ to Moderate‐Income Neighborhoods," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 42(7), pages 1321-1349, October.
  35. Ben R. Craig & William E. Jackson III & James B. Thomson, 2007. "Small Firm Credit Market Discrimination, Small Business Administration Guaranteed Lending, and Local Market Economic Performance," The ANNALS of the American Academy of Political and Social Science, , vol. 613(1), pages 73-94, September.
  36. Eric Scorsone & Stephan Weiler, 2004. "New Markets as Informational Asymmetries," Economic Development Quarterly, , vol. 18(3), pages 303-313, August.
  37. Isabelle Agier & Ariane Szafarz, 2011. "Credit to Women Entrepreneurs: The Curse of the Trustworthier Sex," Working Papers CEB 11-005, ULB -- Universite Libre de Bruxelles.
  38. Amanda Carmignani & Guido de Blasio & Cristina Demma & Alessio D'Ignazio, 2021. "Urbanization and firm access to credit," Journal of Regional Science, Wiley Blackwell, vol. 61(3), pages 597-622, June.
  39. Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1993. "Accounting for racial differences in housing credit markets," Working Papers (Old Series) 9310, Federal Reserve Bank of Cleveland.
  40. Blackburn, McKinley & Vermilyea, Todd, 2007. "The role of information externalities and scale economies in home mortgage lending decisions," Journal of Urban Economics, Elsevier, vol. 61(1), pages 71-85, January.
  41. Harrison, David M., 2001. "The Importance of Lender Heterogeneity in Mortgage Lending," Journal of Urban Economics, Elsevier, vol. 49(2), pages 285-309, March.
  42. Natalya Presman & Nitzan Tzur-Ilan, 2019. "Does Location Matter? Evidence on Differential Mortgage Pricing in Israel," Bank of Israel Working Papers 2019.14, Bank of Israel.
  43. Jeffrey M. Lacker, 1995. "Neighborhoods and banking," Economic Quarterly, Federal Reserve Bank of Richmond, issue Spr, pages 13-38.
  44. David Harrison & Michael Seiler, 2015. "The Paradox of Judicial Foreclosure: Collateral Value Uncertainty and Mortgage Rates," The Journal of Real Estate Finance and Economics, Springer, vol. 50(3), pages 377-411, April.
  45. Daniel Immergluck & Erin Mullen, 1998. "The Intrametropolitan Distribution of Economic Development Financing: An Analysis of SBA 504 Lending Patterns," Economic Development Quarterly, , vol. 12(4), pages 372-384, November.
  46. Angela E. Chang & Shubham Chaudhuri & Jith Jayaratne, 1997. "Rational herding and the spatial clustering of bank branches: an empirical analysis," Research Paper 9724, Federal Reserve Bank of New York.
  47. Michael Trouw & Stephan Weiler & Jesse Silverstein, 2020. "Brownfield Development: Uncertainty, Asymmetric Information, and Risk Premia," Sustainability, MDPI, vol. 12(5), pages 1-18, March.
  48. James Conklin & N. Edward Coulson & Moussa Diop & Thao Le, 2020. "Competition and Appraisal Inflation," The Journal of Real Estate Finance and Economics, Springer, vol. 61(1), pages 1-38, June.
  49. Susan White HAAG, 2002. "Community Reinvestment: A Review of Urban Outcomes and Challenges," International Regional Science Review, , vol. 25(3), pages 252-275, July.
  50. Hugh Morris, 2012. "Financial Exclusion and Australian Domestic General Insurance: The Impact of Financial Services Reforms," PhD Thesis, Finance Discipline Group, UTS Business School, University of Technology, Sydney, number 3-2012, January-A.
  51. Amanda Carmignani & Guido de Blasio & Cristina Demma & Alessio D'Ignazio, 2019. "Urban agglomerations and firm access to credit," Temi di discussione (Economic working papers) 1222, Bank of Italy, Economic Research and International Relations Area.
  52. Alexander N. Bogin & Jessica Shui, 2020. "Appraisal Accuracy and Automated Valuation Models in Rural Areas," The Journal of Real Estate Finance and Economics, Springer, vol. 60(1), pages 40-52, February.
  53. Bostic, Raphael W. & Gabriel, Stuart A., 2006. "Do the GSEs matter to low-income housing markets? An assessment of the effects of the GSE loan purchase goals on California housing outcomes," Journal of Urban Economics, Elsevier, vol. 59(3), pages 458-475, May.
  54. Ben R. Craig & William E. Jackson & James B. Thomson, 2006. "Small firm credit market discrimination, SBA-guaranteed lending, and local market economic performance," Working Papers (Old Series) 0613, Federal Reserve Bank of Cleveland.
  55. Zenou, Yves, 2007. "Why do Black Workers Search Less? A Transport-Mode Based Theory," CEPR Discussion Papers 6155, C.E.P.R. Discussion Papers.
  56. Daniel R. Ringo, 2020. ""Revitalize or Stabilize": Does Community Development Financing Work?," Finance and Economics Discussion Series 2020-029, Board of Governors of the Federal Reserve System (U.S.).
  57. David Nickerson, 2022. "Credit Risk, Regulatory Costs and Lending Discrimination in Efficient Residential Mortgage Markets," JRFM, MDPI, vol. 15(5), pages 1-17, April.
  58. Raphael Bostic, 2002. "Do CRA Agreements Influence Lending Patterns?," Working Paper 8623, USC Lusk Center for Real Estate.
  59. Sudipta Basu & Justin Vitanza & Wei Wang & Xiaoyu Ross Zhu, 2022. "Walking the walk? Bank ESG disclosures and home mortgage lending," Review of Accounting Studies, Springer, vol. 27(3), pages 779-821, September.
  60. Leonard I. Nakamura, 2010. "How much is that home really worth? Appraisal bias and house-price uncertainty," Business Review, Federal Reserve Bank of Philadelphia, issue Q1, pages 11-22.
  61. Neil Bhutta, 2008. "Giving credit where credit is due? the Community Reinvestment Act and mortgage lending in lower-income neighborhoods," Finance and Economics Discussion Series 2008-61, Board of Governors of the Federal Reserve System (U.S.).
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