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Mortgage Lending in Boston: A Reconsideration of the Evidence

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  • Harrison, Glenn W

Abstract

Is there statistical evidence of racial discrimination in home mortgage markets? The Boston Fed recently addressed this concern head-on by collecting all available data from loan applications in Boston. They find that the extent of discrimination is reduced after one accounts for all of the confounding variables measured in these applications but that it remains statistically significant. However, their strong conclusions are unwarranted due to the use of invalid statistical methods. Correctly evaluated, their data provide no significant evidence of racial discrimination in mortgage markets. Copyright 1998 by Oxford University Press.

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Bibliographic Info

Article provided by Western Economic Association International in its journal Economic Inquiry.

Volume (Year): 36 (1998)
Issue (Month): 1 (January)
Pages: 29-38

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Handle: RePEc:oup:ecinqu:v:36:y:1998:i:1:p:29-38

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Cited by:
  1. Judith A. Clarke & Marsha J. Courchane & Nilanjana Roy, 2005. "On the Robustness of Racial Discrimination Findings in Mortgage Lending Studies," Econometrics Working Papers 0516, Department of Economics, University of Victoria.
  2. Cullen Goenner, 2010. "Discrimination and Mortgage Lending in Boston: The Effects of Model Uncertainty," The Journal of Real Estate Finance and Economics, Springer, vol. 40(3), pages 260-285, April.
  3. Jason Dietrich, 2005. "Under-specified Models and Detection of Discrimination: A Case Study of Mortgage Lending," The Journal of Real Estate Finance and Economics, Springer, vol. 31(1), pages 83-105, August.
  4. Judith A. Giles & Marsha J. Courchane, 2000. "Stratified Sample Design for Fair Lending Binary Logit Models," Econometrics Working Papers 0007, Department of Economics, University of Victoria.
  5. David G. Blanchflower & Phillip B. Levine & David J. Zimmerman, 1998. "Discrimination in the Small Business Credit Market," NBER Working Papers 6840, National Bureau of Economic Research, Inc.
  6. Yan Zhang, 2013. "Fair Lending Analysis of Mortgage Pricing: Does Underwriting Matter?," The Journal of Real Estate Finance and Economics, Springer, vol. 46(1), pages 131-151, January.
  7. Block, Walter & Snow, Nicholas & Stringham, Edward, 2008. "Banks, insurance companies, and discrimination," MPRA Paper 26035, University Library of Munich, Germany.
  8. Judith Clarke & Marsha Courchane, 2004. "Implications of Stratified Sampling for Fair Lending Binary Logit Models," The Journal of Real Estate Finance and Economics, Springer, vol. 30(1), pages 5-31, October.

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