Based on the legal definition, careful studies of loan denial rates, such as that done by the Federal Reserve Bank of Boston, represent an appropriate method for testing for discrimination by lenders.
Based on that study, it is quite clear that lenders discriminate.
Less attention has been paid to the supply side: the characteristics of lending institutions.
This article examines how mortgage loan approval rates for African-American applicants in one metropolitan area are affected by three lender characteristics: racial composition of the lender's work force, institution type (commercial bank or thrift), and size (number of employees and number of mortgage loans).
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Although borrowers are showing increasing preference for online channels, the option of connecting with a live human remains important to them.
All borrowers surveyed indicated at least some desire to speak with a loan officer in person, especially during the application phase.
Since scans are not currently available to screen readers, please contact JSTOR User Support for access. Debates over racial disparities in mortgage lending have intensified recently.
Most discussions have focused on the demand side: the characteristics of borrowers, the properties they intend to purchase, and the surrounding neighborhoods.
Comments Research Papers On Mortgage Lenders
Borrowers Increasingly Initiating Contact with Mortgage Lenders.
Aug 29, 2018. In the last year, 92% of borrowers conducted online research prior. compared with only 57% who took out mortgage loans between five and 10 years ago. with a lender that provided an online portal for sharing documents.…
How to Work with a Mortgage Broker
Feb 22, 2019. He/she may be an independent mortgage broker or work for a mortgage. can research loans and options on your own, you may prefer to work.…
No Pay Stub? No Problem. Unconventional Mortgages Make a.
Jan 23, 2019. Lenders issued $34 billion of these unconventional mortgages in the first. earlier, according to Inside Mortgage Finance, an industry research group. “It was scary because if it didn't work out then I would have had to give.…
How Judicial Foreclosure Can Help States Police Mortgage Lending
Jun 27, 2019. How States Can Help Police Mortgage-lending Practices. new research from Brian Feinstein, Wharton professor of legal studies and business.…
Shopping for a mortgage How many mortgage quotes do I need.
Nov 7, 2018. Obtaining multiple mortgage quotes from competing lenders is a proven. Peter Warden The Mortgage Reports editor. without hours of online research just accept the first offer their mortgage lender or broker makes?…
Mortgage Data and Research - Inside Mortgage Finance Publications
State-licensed mortgage lenders originated $239.70 billion of home mortgages. A selection of targeted data reports on specific market segments and players.…
The Relative Performance of Securitized and Retained Mortgage.
The views in this paper are solely the responsibility of the authors and should not be. Mortgage Loan Securitization and Relative Loan Performance. ∗. Shane Sherlund, and seminar participants at the Research Subcommittee of the Basel.…
Mortgage Lenders Research Online Property Buyers & Lenders.
Gives Mortgage Lenders the tools they need to perform a. Nationwide Deed & Mortgage Reports - Nationwide Grantor/Grantee Indexes.…
How to Find the Cheapest Mortgage - Consumer Reports
Mar 27, 2019. Consumer Reports explains how to find the cheapest mortgage. a mortgage from the big banks and online lenders, research smaller.…
How Mortgage Lenders Win with Data - DataTree
Mortgage lenders are using data to gain an edge in closing more high quality home loans. Or they can work with a property data provider who will match and append the. Lenders can also use these property research methods to market to.…