Discriminating Risk: The U.S. Mortgage Lending Industry in the Twentieth Century
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...
Gespeichert in:
| 1. Verfasser: | |
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| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Ithaca, NY
Cornell University Press
[2018]
|
| Schlagworte: | |
| Online-Zugang: | FHA01 FKE01 FLA01 UPA01 UBG01 FAW01 FAB01 FCO01 Volltext |
| Zusammenfassung: | 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 reflect a set of social and political values about "who deserves what." Stuart examines the fine line between licit choice and illicit discrimination, arguing that lenders, while eradicating blatantly discriminatory practices, have ignored the racial and economic-class biases that remain encoded in their decision processes. He explains why African Americans and Latinos continue to be at a disadvantage in gaining access to loans: discrimination, he finds, results from the interaction between the way lenders make decisions and the way they shape the social structure of the mortgage and housing markets.Mortgage lenders, Stuart contends, are embedded in and shape a social context that can best be understood in terms of rules, networks, and the production of space. Stuart's history of lenders' risk criteria reveals that they were synthesized from rules of thumb, cultural norms, and untested theories. In addition, his interviews with real estate and lending professionals in the Chicago housing market show us how the criteria are implemented today. Drawing on census and Home Mortgage Disclosure Act data for quantitative support, Stuart concludes with concrete policy proposals that take into account the social structure in which lenders make decisions |
| Beschreibung: | Description based on online resource; title from PDF title page (publisher's Web site, viewed 23. Jan 2019) |
| Beschreibung: | 1 online resource 6 charts/graphs, 4 maps, 2 halftones, 1 line drawing, 11 tables |
| ISBN: | 9781501729966 |
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| 520 | |a 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 reflect a set of social and political values about "who deserves what." Stuart examines the fine line between licit choice and illicit discrimination, arguing that lenders, while eradicating blatantly discriminatory practices, have ignored the racial and economic-class biases that remain encoded in their decision processes. He explains why African Americans and Latinos continue to be at a disadvantage in gaining access to loans: discrimination, he finds, results from the interaction between the way lenders make decisions and the way they shape the social structure of the mortgage and housing markets.Mortgage lenders, Stuart contends, are embedded in and shape a social context that can best be understood in terms of rules, networks, and the production of space. Stuart's history of lenders' risk criteria reveals that they were synthesized from rules of thumb, cultural norms, and untested theories. In addition, his interviews with real estate and lending professionals in the Chicago housing market show us how the criteria are implemented today. Drawing on census and Home Mortgage Disclosure Act data for quantitative support, Stuart concludes with concrete policy proposals that take into account the social structure in which lenders make decisions | ||
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| author | Stuart, Guy |
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| spelling | Stuart, Guy Verfasser aut Discriminating Risk The U.S. Mortgage Lending Industry in the Twentieth Century Guy Stuart Ithaca, NY Cornell University Press [2018] © 2003 1 online resource 6 charts/graphs, 4 maps, 2 halftones, 1 line drawing, 11 tables txt rdacontent c rdamedia cr rdacarrier Description based on online resource; title from PDF title page (publisher's Web site, viewed 23. Jan 2019) 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 reflect a set of social and political values about "who deserves what." Stuart examines the fine line between licit choice and illicit discrimination, arguing that lenders, while eradicating blatantly discriminatory practices, have ignored the racial and economic-class biases that remain encoded in their decision processes. He explains why African Americans and Latinos continue to be at a disadvantage in gaining access to loans: discrimination, he finds, results from the interaction between the way lenders make decisions and the way they shape the social structure of the mortgage and housing markets.Mortgage lenders, Stuart contends, are embedded in and shape a social context that can best be understood in terms of rules, networks, and the production of space. Stuart's history of lenders' risk criteria reveals that they were synthesized from rules of thumb, cultural norms, and untested theories. In addition, his interviews with real estate and lending professionals in the Chicago housing market show us how the criteria are implemented today. Drawing on census and Home Mortgage Disclosure Act data for quantitative support, Stuart concludes with concrete policy proposals that take into account the social structure in which lenders make decisions In English Geschichte 1900-2000 gnd rswk-swf Discrimination in housing Illinois Chicago Discrimination in housing United States Mortgage loans United States Race discrimination United States Hypothekengeschäft (DE-588)4161149-4 gnd rswk-swf USA (DE-588)4078704-7 gnd rswk-swf USA (DE-588)4078704-7 g Hypothekengeschäft (DE-588)4161149-4 s Geschichte 1900-2000 z 1\p DE-604 https://www.degruyter.com/doi/book/10.7591/9781501729966 Verlag URL des Erstveröffentlichers Volltext 1\p cgwrk 20201028 DE-101 https://d-nb.info/provenance/plan#cgwrk |
| spellingShingle | Stuart, Guy Discriminating Risk The U.S. Mortgage Lending Industry in the Twentieth Century Discrimination in housing Illinois Chicago Discrimination in housing United States Mortgage loans United States Race discrimination United States Hypothekengeschäft (DE-588)4161149-4 gnd |
| subject_GND | (DE-588)4161149-4 (DE-588)4078704-7 |
| title | Discriminating Risk The U.S. Mortgage Lending Industry in the Twentieth Century |
| title_auth | Discriminating Risk The U.S. Mortgage Lending Industry in the Twentieth Century |
| title_exact_search | Discriminating Risk The U.S. Mortgage Lending Industry in the Twentieth Century |
| title_full | Discriminating Risk The U.S. Mortgage Lending Industry in the Twentieth Century Guy Stuart |
| title_fullStr | Discriminating Risk The U.S. Mortgage Lending Industry in the Twentieth Century Guy Stuart |
| title_full_unstemmed | Discriminating Risk The U.S. Mortgage Lending Industry in the Twentieth Century Guy Stuart |
| title_short | Discriminating Risk |
| title_sort | discriminating risk the u s mortgage lending industry in the twentieth century |
| title_sub | The U.S. Mortgage Lending Industry in the Twentieth Century |
| topic | Discrimination in housing Illinois Chicago Discrimination in housing United States Mortgage loans United States Race discrimination United States Hypothekengeschäft (DE-588)4161149-4 gnd |
| topic_facet | Discrimination in housing Illinois Chicago Discrimination in housing United States Mortgage loans United States Race discrimination United States Hypothekengeschäft USA |
| url | https://www.degruyter.com/doi/book/10.7591/9781501729966 |
| work_keys_str_mv | AT stuartguy discriminatingrisktheusmortgagelendingindustryinthetwentiethcentury |