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Author:Sniderman, Mark S. 

Working Paper
Posted rates as signals in mortgage lending markets

A discussion of how mortgage lenders might use posted lending terms to signal both their eagerness to take new loan applications and their lending standards.
Working Papers (Old Series) , Paper 9419

Conference Paper
Lender consistency in housing credit markets

Proceedings , Paper 417

Working Paper
Underserved mortgage markets: evidence from HMDA data

A baseline evaluation of the variation in mortgage credit flows across different types of neighborhoods using HMDA data collected in 1990 and 1991.
Working Papers (Old Series) , Paper 9421

Working Paper
Accounting for racial differences in housing credit markets

A documentation of racial and neighborhood differences in home mortgage denial rates using data collected under the Home Mortgage Disclosure Act, exploring the extent to which objective lending criteria are responsible for observed differences. The authors find persistent variations in denial rates between white and minority applicants, but emphasize that the HMDA data do not contain enough relevant information to draw any firm conclusions regarding causation.
Working Papers (Old Series) , Paper 9310

Journal Article
Issues in CRA reform

An analysis of the prevailing community-lending environment, including a history of the implementation of the Community Reinvestment Act, a discussion of related research studies, and a recommendation of important economic considerations as policymakers attempt to reform the process of enhancing credit flows to disadvantaged communities.
Economic Commentary , Issue Mar

Journal Article
Collective bargaining and disinflation

A discussion of wage behavior over the business cycle and of the effect of deferred wage increases, cost-of-living adjustments, and current settlements on labor union rates, using the auto industry as an example.
Economic Commentary , Issue Feb

Journal Article
Home mortgage lending by the numbers

A look at some of the issues associated with reports that minority applicants for home mortgage loans are far more likely than whites to be denied credit. The authors raise the concern that simple comparisons of denial rates are not sufficient for grasping the complexities surrounding community-oriented lending.
Economic Commentary , Issue Feb

Journal Article
Generation recession? How the recession may change America

Nobody yet knows the ultimate footprint that the Great Recession will have on the nation. We do know that much of it depends on the choices that Americans make in response?everything from personal saving to labor force participation is in play. Ultimately, these choices will help determine how ?great? the recession really turns out to be.
Forefront , Issue Fall , Pages 1

Working Paper
Neighborhood information and home mortgage lending.

An examination of how information about a neighborhood affects the level of lending activity in it--specifically, whether lenders deny mortgage applications at higher rates in neighborhoods where they have little experience in evaluating applications and/or where the lending community in general lacks such experience.
Working Papers (Old Series) , Paper 9620

Journal Article
Cross-lender variation in home mortgage lending

An evaluation of the feasibility of using Home Mortgage Disclosure Act (HMDA) data to form quantitative measures of fair lending for use in enforcement. The authors find that cross-lender differences in minority and low-income originations primarily reflect differences in application rates, not in approval rates, and that most of the variation in lender behavior cannot be attributed to variance in applicant characteristics reported in the HMDA data or to differences in the geographic markets served by the lenders.
Economic Review , Volume 30 , Issue Q IV , Pages 12-29

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