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Race, Gender, and Familial Status: Discrimination in One US Mortgage Lending Market

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Author Info
Judith K. Robinson
Abstract

This paper, using data from the 1992 Boston Federal Reserve study of mortgage lending, reports preliminary evidence of patterns of gender and familial status discrimination that differ markedly by race in the US. White couples with children experienced familial status discrimination if the female partner was in the labor market, but not if she was at home raising her children. However, African-American or Hispanic couples with children suffered familial status discrimination if she stayed home to raise her children, but much less so, if at all, if she was in the labor market. This pattern of racial differentiation may reflect social norms dating back to slavery that have favored labor force participation for African-American and Hispanic mothers but not white mothers. On the other hand, it was true across racial groups that single women, more than single men, were disadvantaged in the mortgage market by children.

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Publisher Info
Article provided by Taylor and Francis Journals in its journal Feminist Economics.

Volume (Year): 8 (2002)
Issue (Month): 2 (July)
Pages: 63-85
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Handle: RePEc:taf:femeco:v:8:y:2002:i:2:p:63-85

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Related research
Keywords: Gender; Housing; Mortgage Lending Discrimination; Race;

References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:

  1. Deirdre N. McCloskey & Stephen T. Ziliak, 1996. "The Standard Error of Regressions," Journal of Economic Literature, American Economic Association, vol. 34(1), pages 97-114, March. [Downloadable!] (restricted)
  2. William C. Hunter & Mary Beth Walker, 1995. "The cultural affinity hypothesis and mortgage lending decisions," Working Paper Series, Issues in Financial Regulation 95-8, Federal Reserve Bank of Chicago.
  3. Geoffrey M.B. Tootell, 1993. "Defaults, denials, and discrimination in mortgage lending," New England Economic Review, Federal Reserve Bank of Boston, issue Sep, pages 45-51.
  4. James A. Berkovec & Glenn B. Canner & Stuart A. Gabriel & Timothy H. Hannan, 1998. "Discrimination, Competition, And Loan Performance In Fha Mortgage Lending," The Review of Economics and Statistics, MIT Press, vol. 80(2), pages 241-250, May. [Downloadable!] (restricted)
  5. Yezer, Anthony M J & Phillips, Robert F & Trost, Robert P, 1994. "Bias in Estimates of Discrimination and Default in Mortgage Lending: The Effects of Simultaneity and Self-Selection," The Journal of Real Estate Finance and Economics, Springer, vol. 9(3), pages 197-215, November.
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  6. Ladd, Helen F, 1982. "Equal Credit Opportunity: Women and Mortgage Credit," American Economic Review, American Economic Association, vol. 72(2), pages 166-70, May. [Downloadable!] (restricted)
  7. Munnell, Alicia H. & Geoffrey M. B. Tootell & Lynn E. Browne & James McEneaney, 1996. "Mortgage Lending in Boston: Interpreting HMDA Data," American Economic Review, American Economic Association, vol. 86(1), pages 25-53, March.
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  8. Glenn B. Canner & Dolores S. Smith, 1991. "Home Mortgage Disclosure Act: expanded data on residential lending," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Nov, pages 859-881.
  9. Julianne Malveaux, 1985. "The economic interests of black and white women: Are they similar?," The Review of Black Political Economy, Springer, vol. 14(1), pages 5-27, June. [Downloadable!] (restricted)
  10. Haurin, Donald R. & Kamara, Duewa A., 1992. "The homeownership decision of female-headed households," Journal of Housing Economics, Elsevier, vol. 2(4), pages 293-309, December. [Downloadable!] (restricted)
  11. Janet S. Netz, Jon D. Haveman, 1999. "All In The Family: Family, Income, And Labor Force Attachment," Feminist Economics, Taylor and Francis Journals, vol. 5(3), pages 85-106, November. [Downloadable!] (restricted)
  12. James A. Berkovec & Glenn B. Canner & Stuart A. Gabriel & Timothy H. Hannan, 1995. "Mortgage discrimination and FHA loan performance," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 218-237.
  13. Lynn Elaine Browne & Geoffrey M.B. Tootell, 1995. "Mortgage lending in Boston: a response to the critics," New England Economic Review, Federal Reserve Bank of Boston, issue Sep, pages 53-78. [Downloadable!]
  14. Glenn B. Canner & Dolores S. Smith, 1992. "Expanded HMDA data on residential lending: one year later," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Nov, pages 801-824.
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Cited by:
(explanations, Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.)

  1. Lucie Schmidt & Purvi Sevak, 2005. "Gender, Marriage, and Asset Accumulation in the United States," Working Papers wp109, University of Michigan, Michigan Retirement Research Center. [Downloadable!]
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