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What Drives Racial and Ethnic Differences in High Cost Mortgages? The Role of High Risk Lenders

Bayer, Patrick - 2016

This paper examines racial and ethnic differences in high cost mortgage lending in seven diverse metropolitan areas from 2004-2007. Even after controlling for credit score and other key risk factors, African-American and Hispanic home buyers are 105 and 78 percent more likely to have high cost...

Persistent link: https://www.econbiz.de/10012456669

Race, Ethnicity and High-Cost Mortgage Lending

Bayer, Patrick - 2014

This paper examines how high cost mortgage lending varies by race and ethnicity. It uses a unique panel data that matches a representative sample of mortgages in seven large metropolitan markets between 2004 and 2008 to public records of housing transactions and proprietary credit reporting...

Persistent link: https://www.econbiz.de/10012457904

The Vulnerability of Minority Homeowners in the Housing Boom and Bust

Bayer, Patrick - 2013

This paper examines mortgage outcomes for a large, representative sample of individual home purchases and refinances linked to credit scores in seven major US markets in the recent housing boom and bust. Among those with similar credit scores and loan attributes, black and Hispanic homeowners...

Persistent link: https://www.econbiz.de/10012459643

Estimating Racial Price Differentials in the Housing Market

Bayer, Patrick - 2012

This paper uses unique panel data covering over two million repeat-sales housing transactions from four metropolitan areas to test for the presence of racial price differentials in the housing market. Drawing on the strengths of these data, our research design controls carefully for unobserved...

Persistent link: https://www.econbiz.de/10012460590

Race and Gender Pay Differentials

Blau, Francine D. - 1992

In this paper we review research findings from the 1980s and early 1990s on race and gender pay gaps. In addition. we present some evidence from the Current Population Surveys (1972, 1982 and 1989) regarding the impact of shifts in the industrial composition of employment and in interindustry...

Persistent link: https://www.econbiz.de/10012474853

Black-White Earnings Over the 1970s and 1980s : Gender Differences in Trends

Blau, Francine D. - 1991

This paper uses CPS data to analyze gender differences in black-white annual earnings trends over the 1970s and 1980s. We find that in at least two respects black women fared better than men over this period. First, due to decreasing relative annual time inputs for black males, but not black...

Persistent link: https://www.econbiz.de/10012475269

Black-White Differences in Wealth and Asset Composition

Blau, Francine D. - 1989

Using data from the 1976 and 1978 National Longitudinal. Surveys of young men and young women, this study examines racial differences in the magnitude and composition of wealth and the reasons for them. On average, young black families hold 18 percent of the wealth of young white families, and...

Persistent link: https://www.econbiz.de/10012476156

Women, Work, and Family

Blau, Francine D. - 2017

impact of home and family responsibilities, and constraints posed by workplace culture. We also consider the role that …This chapter focuses on women, work, and family, with a particular focus on differences by educational attainment …. First, we review long-term trends regarding family structure, participation in the labor market, and time spent in household …

Persistent link: https://www.econbiz.de/10012455038

Maternal Labor Supply and Children's Cognitive Development

Blau, Francine D. - 1990

This paper analyzes the relationship between maternal labor supply and children's cognitive development, using a sample of three- and four-year-old children of female respondents from the 1986 National Longitudinal Surveys Youth Cohort (NLSY). Respondents in the NLSY were aged 21 to 29 in 1986; thus...

Persistent link: https://www.econbiz.de/10012475498

The Role of the Family in Immigrants' Labor-Market Activity : Evidence from the United States

Blau, Francine D. - 2002

wives in the United States in a family context. Earlier research by Baker and Benjamin (1997) posits a family investment … family with liquidity during this period. Consistent with this model, they find for Canada that immigrant wives work longer …

Persistent link: https://www.econbiz.de/10012469662