Study cites disparities in refinancing
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Black and Hispanic homeowners were more likely to receive refinancing loans aimed at borrowers with low credit ratings than were whites, according to a nationwide study released Wednesday by the Consumer Federation of America.
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The number of US mortgage refinancings fell sharply last week suggesting that the refinancing boom may have run its course even as rates eased, economists said.
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In 2002, three of the ten leading causes of death differed between blacks and whites in the US, reflecting disparities in health care, according researchers from the Centers for Disease Control and Prevention in Atlanta.
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Rising homeownership and higher-income  households have helped U.S. remodeling spending reach new  highs, a study by Harvard University found.
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U.S. mortgage applications fell last  week, reflecting a decline in home refinancing loans as  interest rates climbed, an industry trade group said on  Wednesday.
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Elderly and ill blacks in the United States are more likely to live in poor-quality nursing homes, researchers said on Tuesday in a study that shows clear patterns of segregation persist.
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An Associated Press analysis of new census data provides insight into the reasons for the slumping housing market: Since 1990, homeowners have faced a growing gap between their incomes and the price of their homes.
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Black Americans born between 1946 and 1964  "are no better off relative to whites than their parents and grandparents" were in terms of income, according to a new Duke University study.
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Americans are taking substantially less equity out of the value of their homes than a year ago, a sign consumer spending may be set to recede, data compiled by a Federal Reserve economist suggest.
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THERE WAS a time when purchasing a home was something only married couples did. However, increasingly, single, widowed, and divorced women with and without children are making the choice to purchase a home on their own. Yet, the economic and social consequences of subprime lending practices on them are subjects few are discussing.
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Mortgage refinancing is available ... for those who need it least.
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Investor's Business Daily - African-American and Latino borrowers are paying more than whites for home loans in six areas of the country, a report released at a Federal Reserve community advisory meeting suggested. In Los Angeles, New York, Chicago, Boston, Charlotte N.C., and Rochester, N.Y., African-American and Latino borrowers were almost four times more likely to get a higher-cost home loan. The report focuses on both prime and subprime lending by major financial services. Banks should eliminate discriminatory lending, the report said.
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Blacks, Latinos, and Asians in Massachusetts are having a tougher time than whites in juggling housing costs with other everyday expenses, according to a University of Massachusetts study that seeks to spur debate as the governor's office changes hands.
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The bill is part of a measure aimed at curbing what some consumer advocates say are deceptive lending practices aimed at people with low incomes or poor credit histories.
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Investor's Business Daily - Applications rose 2.4% in the week ended Sept. 14, the 3rd straight gain, the Mortgage Bankers Association said. Applications to refinance rose 4.6% as borrowers sought to prevent rate resets from boosting their monthly payments. Home purchase applications rose 0.9%. Fixed 30-year mortgage rates rose 4 basis points to 6.29%. The 1-year adjustable rate rose to 6.39% from 6.34%.
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The practice is compared to redlining in the mortgage industry, but some bankers defend it as a way to assess young borrowers with little credit history.
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News flash: Realtors may be biased toward real estate.