Discriminating Risk : : The U.S. Mortgage Lending Industry in the Twentieth Century / / Guy Stuart.
The U.S. home mortgage industry first formalized risk criteria in the 1920s and 1930s to determine which applicants should receive funds. Over the past eighty years, these formulae have become more sophisticated. Guy Stuart demonstrates that the very concepts on which lenders base their decisions re...
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Superior document: | Title is part of eBook package: De Gruyter Cornell University Press Backlist 2000-2013 |
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Place / Publishing House: | Ithaca, NY : : Cornell University Press, , [2018] ©2003 |
Year of Publication: | 2018 |
Language: | English |
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Physical Description: | 1 online resource (272 p.) :; 6 charts/graphs, 4 maps, 2 halftones, 1 line drawing, 11 tables |
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Table of Contents:
- Frontmatter
- Contents
- Figures and Tables
- Acknowledgments
- Introduction
- 1. The Meaning of Value
- 2. Rules for Assessing the Borrower and Managing Behavioral Risk
- 3. The Loan Application Process
- 4. Constructing Housing Markets
- 5. Lending Discrimination
- 6. Constructing Risk
- 7. New Policy Approaches to Discrimination and Subprime Lending
- Appendix
- Abbreviations
- Notes
- References
- Index