First Mortgage State

In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity.In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied todiscrimination in loan-pricing and credit-scoring.

Pious Property: Islamic Mortgages in the United States

State University of New York State College of Optometry - The State University of New York State College of Optometry was established in 1971 as a result of a legislative mandate of New York State, USA. It is located in Manhattan, New York City.

Special state-to-state relations - In an interview with the German press in 1996, the president of the Republic of China on Taiwan, Lee Teng-hui, stated that the status between the ROC and People's Republic of China was that of "special state-to-state relations". The announcement, which referred directly to the controversial political status of Taiwan, angered the PRC officials and ultimately triggered the Third Taiwan Strait Crisis.

Secretary of State (U.S. state government) - Secretary of State is an official in the state governments of 47 of the 50 states of the United States. In Massachusetts, Pennsylvania, and Virginia, this official is called the Secretary of the Commonwealth.

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