id	author	title	date	pages	extension	mime	words	sentences	flesch	summary	cache	txt
work_t5bzl2pdmfcaznbewbg3wchdtm	Richard A. Williams	Racial, Economic, and Institutional Differences in Home Mortgage Loans: St. Joseph County, Indiana	1997	32	.pdf	application/pdf	16961	4784	86	RACIAL, ECONOMIC, AND INSTITUTIONAL DIFFERENCES IN HOME MORTGAGE LOANS: St. Joseph County, Indiana of institution (e.g. commercial bank, credit union, savings and loan), local or nonlocal ownership, the size of a bank, and locations of bank branches are related to bank performance. lender targets areas and individuals ignored by others, while low denial rates are worth little if few lower income minorities apply. wide variation in denial rates and shares of loans to low income and minority neighborhoods exist, one must assume that these unmeasured influences have a larger effect on makes it possible to see whether, compared to other lenders in the area, a bank has relatively high or low denial rates. refer to the percentage of a lender's loans that g o to low income and minority neighborhoods and individuals as its community reinvestment market share.	./cache/work_t5bzl2pdmfcaznbewbg3wchdtm.pdf	./txt/work_t5bzl2pdmfcaznbewbg3wchdtm.txt