10
Views
0
CrossRef citations to date
0
Altmetric
Original Articles

Concentrations of Subprime Lending Activities, Equity Risk Factors, and Bankruptcy Filings

Pages 43-62 | Published online: 09 Jun 2015

References

  • American Bankruptcy Institute. (2004a). Household per filing, rank. Retrieved June 23, 2006, from www.abiworld.org/statcharts/HouseRank.htm
  • American Bankruptcy Institute. (2004b). Report on the state of the American bankruptcy system. Retrieved June 23,2006, from www.abiworld.org/Content/ContentGroups/ News_Room1/Bankmptcy_Research_Center/Bankruptcy_Reports_Research_and_ Testimony/ABI/ABI_Reports_Research/REPORT_ON_THE_STATE.htm
  • Avery, R. В., Beeson, p. E., & Sniderman, M. S. (1999). Neighborhood information and home mortgage lending. Journal of Urban Economics, 45(2), 287-310.
  • Belsley, D. A., Kuh, E., & Welsch, R. E. (1980). Regression diagnostics: Identifying influential data and sources of collinearity. New York: Wiley.
  • Calem, P. S., Gillen, K., & Wachter, S. M. (2004). The neighborhood distribution of subprime mortgage lending. Journal of Real Estate Finance and Economics, 29(4), 393-410.
  • Calem, P. S., Hershaff, J. E., & Wachter, S. M. (2004). Neighborhood patterns of subprime lending: Evidence from disparate cities. Housing Policy Debate, 15(3), 603-622.
  • Center for Policy Alternatives. (2005). Predatory mortgage lending. Retrieved June 23, 2006, from www.stateaction.org/issues/issue.cfm/issue/ PredatoryMortgageLending.xml
  • Chomsisengphet, S., & Pennington-Cross, A. (2006). The evolution of the subprime mortgage lending market. Federal Reserve Bank of St. Louis Review, 88 (1), 31-56.
  • Colton, K. (2003). Housing in the twenty-first century: Achieving common ground. Cambridge, MA: Harvard University Press.
  • Engel, К. С, & McCoy, P. A. (2001). A tale of three markets: The law and economics of predatory lending. Texas Law Review, 80(6), 1255-1383.
  • Evans, D., & Lown, J. (2003). Chapter 13 bankruptcy: Successful versus unsuccessful debtors. Papers of Western Family Economics Association, 13, 33-40.
  • Fannie Mae Foundation - Knowledgeplex. (2006). Dataplace. Available at www.dataplace.org
  • Farris, J., & Richardson, C. A. (2004). The geography of subprime mortgage prepayment penalty patterns. Housing Policy Debate, 15(3), 687-714.
  • Federal Bureau of Investigation. (2005, May). Financial crimes report to the public. Retrieved June 23, 2006, from www.fbi.gov/publications/financial/ fcs_report052005/fcs_report052005.htm
  • FFIEC Census Report. (2003). Census Report CD [Computer software]. Washington, DC: U.S. Census Bureau.
  • Fishbein, A., & Woodall, P. (2005). Subprime cities: Patterns of geographic disparity in subprime lending. Retrieved June 23, 2006, from www. consumerfed.org/pdfs/Subprimecities090805.pdf
  • France, S. (1998). The foreclosure must go on. ABA Journal, 84(5), 32.
  • Howell, B. (2006). Exploiting race and space: Concentrated subprime lending and housing discrimination. California Law Review, 94(101), 101-147.
  • Immergluck, D., & Smith, G. (2005). Measuring the effect of subprime lending on neighborhood foreclosures. Evidence from Chicago. Urban Affairs Review, 40(3), 362-389.
  • Kim-Sung, K., & Hermanson, S. (2003, January). AARP research report: Experiences of older refinance mortgage loan borrowers: Broker- and lender- originated loans. Retrieved June 23, 2006, from www.aarp.org/ research/credit-debt/mortgages/experiences_of_older_refinance_mortgages/ experiences_of_older_refinance_mortgage_loan_borrow.html
  • Lax, H., Manti, M., Raca, R, & Zorn, R (2004). Subprime lending: An investigation of economic efficiency. Housing Policy Debate, 15(3), 533-571.
  • Lee, Y. G. (2005). Baby boomers and home equity borrowing. Financial Counseling and Planning, 16(2), 49-61.
  • Levine, H. I., & Wirbicki, R. C. (2000). Looking for shelter. American Bankruptcy Association Journal, 86(2), 61.
  • Lord, R. (2005). American nightmare: Predatory lending and the foreclosure of the American Dream. Monroe, ME: Common Courage.
  • Mitchell, L. (2003, May 23). Mortgage aids are attacked. Salt Lake Tribune, pp. El, E7.
  • Moreno, A. (1995). The cost-effectiveness of mortgage foreclosure prevention. Minneapolis, MN: Family Housing Fund.
  • Mortgage Bankers Association. (2006). Mortgage performance source. Mortgage Banking, 66(8), 140-144.
  • Newman, K, & Wyly, E. K. (2004). Geographies of mortgage market segmentation: The case of Essex County, New Jersey. Housing Studies, 19(1), 53-83.
  • Palmer, L. (2006). Exploring the relationship between bankruptcy and mortgage defaults in Georgia. Paper presented at the American Council on Consumer Interests, Baltimore, MD.
  • Perle, E. D., Lynch, К., & Horner, J. (1993). Model specification and local mortgage market behavior. Journal of Housing Research, 4(2), 225-243.
  • Phillips, R. A., & Rosenblatt, E. (1997). The legal environment and choice of default resolution alternatives: An empirical analysis. Journal of Real Estate Research, 13(2), 145-154.
  • Quercia, R. G., Stegman, M. A., & Davis, W. R. (2003). The impact of North Carolina’s anti-predatory lending law: A descriptive assessment. Chapel Hill, NC: Center for Community Capitalism.
  • Quercia, R. G., Stegman, M. A., & Davis, W. R. (2004). Assessing the impact of North Carolina’s predatory lending law. Housing Policy Debate, 15(3), 573-601.
  • Schill, M. H., & Wachter, S. M. (1994). Borrower and neighborhood racial and income characteristics and financial institution mortgage application screening. The Journal of Real Estate Finance and Economics, 9(3), 223-239.
  • Senate Committee on Banking. (2001). Regarding the increase in predatory lending and appropriate remedial actions. Retrieved June 23, 2006, from www.nclc.org/action_agenda/predatory_mortgage/sen_morg.shtml
  • Shepard, L. (1984). Accounting for the rise in consumer bankruptcy rates in the United States: A preliminary analysis of aggregate data (1945-1981). The Journal of Consumer Affairs, 18(2), 213.
  • Smith, G., & Immergluck, D. (2004). Risky business: An econometric analysis of the relationship between subprime lending and neighborhood foreclosures. Retrieved June 23, 2006, from http://woodstockinst.org/document/ riskybusiness.pdf
  • Stein, E. (2001). Quantifying the economic cost of predatory lending. Retrieved August 20, 2004, from www.responsiblelending.org
  • Sullivan, T. A., Warren, E., & Westbrook, J. L. (1989). As we forgive our debtors: Bankruptcy and consumer credit in America. New York: Oxford University Press.
  • Sullivan, T. A., Warren, E., & Westbrook, J. E. (2000). The fragile middle class: Americans in debt. New Haven, CT: Yale University Press.
  • Troxell, M. A., Mohamed, H., Albohali, M. H., & Boldin, R. (2001). Rural bankruptcy rates in Pennsylvania. Retrieved June 23, 2006, from www.ruralpa.org/Ruralbankruptcies.pdf
  • U.S. Department of Housing and Urban Development and U.S. Department of Treasury. (2000, June). Curbing predatory home mortgage lending. Washington, DC: HUD.
  • Wyly, E., Atia, M., Foscroft, H., Hammel, D. J., & Phillips-Watts, K. (2006). American home. Predatory mortgage capital and neighborhood spaces of race and class exploitation in the United States. Geographiska Annaler, 88B(1), 105-132.
  • Zimmerman, K., Wyly, E., & Botein, H. (2002). Predatory lending in New Jersey: The rising threat to low-income homeowners. Retrieved June 23, 2006, from www.njisj.org/reports/predatory_lending.pdf

Reprints and Corporate Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

To request a reprint or corporate permissions for this article, please click on the relevant link below:

Academic Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

Obtain permissions instantly via Rightslink by clicking on the button below:

If you are unable to obtain permissions via Rightslink, please complete and submit this Permissions form. For more information, please visit our Permissions help page.