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Author:Black, Harold A. 

Conference Paper
Overages in mortgage pricing

Proceedings , Paper 651

Conference Paper
Discussion of market information dissemination

Proceedings , Paper 53

Discussion Paper
An analysis of the behavior of mature black-owned commercial banks

Research Papers in Banking and Financial Economics , Paper 42

Working Paper
Changes in interstate banking laws: the impact on shareholder wealth

Working Papers , Paper 88-16

Working Paper
Is there discrimination in mortgage pricing? the case of overages

We conduct an empirical investigation to explain observed differentials in mortgage overage pricing. Our analysis makes several contributions. First, we study an area of mortgage pricing that is little understood by consumers and has received little scrutiny in the literature. Second, we consider the impact of the market power of individual loan officers on overages paid by borrowers, particularly minorities. Third, we include a number of borrower and lender characteristics not available in previous analysis. ; Importantly, we introduce a new direct measure of the market power of individual ...
FRB Atlanta Working Paper , Paper 2001-4