Journal Article
Measuring pricing bias in mortgages
Longhofer, Stanley D. (1998-08)
Detecting and measuring discrimination in the pricing of mortgage loans present unique challenges for bank regulators. This Commentary outlines how loans are priced in the mortgage market and the difficulties involved in comparing the prices charged to different borrowers.
Economic Commentary , Issue Aug

Conference Paper
The importance of bank seniority for relationship lending
Longhofer, Stanley D.; Santos, Joao A. C. (1999)
Proceedings , Paper 620

Working Paper
Absolute priority rule violations, credit rationing, and efficiency
Longhofer, Stanley D. (1997)
A demonstration that violations of the absolute priority rule exacerbate credit rationing problems by reducing the payment lenders receive in default states.
Working Papers (Old Series) , Paper 9710

Conference Paper
Housing-finance intervention and private incentives: helping minorities and the poor
Longhofer, Stanley D.; Calomiris, Charles W.; Kahn, Charles M. (1994)
Proceedings

Journal Article
Mortgage brokers and fair lending
Calem, Paul S.; Longhofer, Stanley D. (1999-05)
Mortgage brokers play an important role in the housing finance market, but they also present unique challenges to regulators attempting to enforce fair lending laws. Should lenders be held responsible for the pricing decisions of brokers from whom they receive loan applications, or should fair lending laws instead be applied directly to the brokers themselves?
Economic Commentary , Issue May

Working Paper
A note on absolute priority rule violations, credit rationing, and efficiency
Longhofer, Stanley D. (1995)
An argument that APR violations exacerbate credit rationing problems by reducing the payment lenders receive in default states.
Working Papers (Old Series) , Paper 9513

Working Paper
The importance of bank seniority for relationship lending
Santos, João A. C.; Longhofer, Stanley D. (1998)
The authors examine two aspects of a bank's interaction with its borrowers--the relative priority of bank debt and the role of banks as "relationship lenders." They show that making the bank senior improves its incentives to build a relationship with the firm, thereby fulfilling an important function of intermediated debt.
Working Papers (Old Series) , Paper 9808

Journal Article
PMI reform: good intentions gone awry
Longhofer, Stanley D. (1997-03)
An argument that the legislation aimed at making private mortgage insurance more fair and affordable for homeowners could actually hurt the very borrowers it is intended to help by restricting the availability of mortgage loans and making them more costly.
Economic Commentary , Issue Mar

Journal Article
Mortgage scoring and the myth of overrides
Longhofer, Stanley D. (2002-10)
While many perceive a dark side to the use of overrides in the mortgage underwriting process, Stanley Longhofer of Wichita State University disagrees. This article concludes the five-part series on credit scoring and fair mortgage lending.
Communities and Banking , Issue Fall , Pages 18-21

Journal Article
Discrimination in mortgage lending: what have we learned?
Longhofer, Stanley D. (1996-08)
A retrospective on the debate over the presence of discrimination in the residential mortgage market, examining some of the evidence that's been gathered since the Federal Reserve Bank of Boston published its 1992 study concluding that minority applicants were over 50 percent more likely to be denied a loan than whites.
Economic Commentary , Issue Aug