Maxwell School, Syracuse University

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

 

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TABLE OF CONTENTS

 

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

 

Acknowledgments

vii

1

Introduction

1

2

The Mortgage Market and the Definition of Mortgage Lending Discrimination

15

3

A Conceptual Framework for Mortgage Lending

49

4

The Literature on Mortgage Lending Discrimination up to and Including the Boston Fed Study

95

5

Evaluating Criticisms of the Boston Fed Study

107

6

Accounting for Variation in Underwriting Standards across Lenders

169

7

Other Dimensions of Discrimination: Pricing, Redlining,
and Cultural Affinity

213

8

Using Performance Data to Study Mortgage Discrimination: Evaluating the Default Approach

235

9

Lending Behavior, Loan Performance, and Disparate-Impact Discrimination

273

10

Implications for Fair-Lending Enforcement

313

 

Appendixes

 

A

Technical Appendix

371

B

Data Appendix

387

 

Notes

389

 

References

425

 

Name Index

443

 

Subject Index

449

 

Trustee Professor of Public Administration and Economics