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Accounting for racial differences in housing credit markets

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Author Info
Robert B. Avery
Patricia E. Beeson
Mark S. Sniderman
Abstract

A documentation of racial and neighborhood differences in home mortgage denial rates using data collected under the Home Mortgage Disclosure Act, exploring the extent to which objective lending criteria are responsible for observed differences. The authors find persistent variations in denial rates between white and minority applicants, but emphasize that the HMDA data do not contain enough relevant information to draw any firm conclusions regarding causation.

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File URL: http://www.clevelandfed.org/Research/Workpaper/1993/wp9310.pdf
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Paper provided by Federal Reserve Bank of Cleveland in its series Working Paper with number 9310.

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Date of creation: 1993
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Handle: RePEc:fip:fedcwp:9310

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Related research
Keywords: Discrimination in mortgage loans Mortgages Home Mortgage Disclosure Act Community Reinvestment Act of 1977

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. Robert B. Avery, 1989. "Making judgments about mortgage lending patterns," Economic Commentary, Federal Reserve Bank of Cleveland, issue Dec 15.
  2. Glenn B. Canner & Charles A. Luckett, 1991. "Payment of household debts," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Apr, pages 218-229.
  3. Lang William W. & Nakamura Leonard I., 1993. "A Model of Redlining," Journal of Urban Economics, Elsevier, vol. 33(2), pages 223-234, March. [Downloadable!] (restricted)
  4. 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.
  5. Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1992. "Cross-lender variation in home mortgage lending," Working Paper 9219, Federal Reserve Bank of Cleveland. [Downloadable!]
  6. Alicia H. Munnell, 1992. "Mortgage lending in Boston: interpreting HMDA data," Working Papers 92-7, Federal Reserve Bank of Boston. [Downloadable!]
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  7. Paul S. Calem, 1992. "The Delaware Valley Mortgage Plan: an analysis using HMDA data," Working Papers 92-3, Federal Reserve Bank of Philadelphia.
  8. John V. Duca & Stuart S. Rosenthal, 1993. "Borrowing constraints, household debt, and racial discrimination in loan markets," Research Paper 9312, Federal Reserve Bank of Dallas.
    Other versions:
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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. Jeffrey M. Lacker, 1995. "Neighborhoods and banking," Economic Quarterly, Federal Reserve Bank of Richmond, issue Spr, pages 13-38. [Downloadable!]
  2. Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1994. "Underserved mortgage markets: evidence from HMDA data," Working Paper 9421, Federal Reserve Bank of Cleveland. [Downloadable!]
  3. Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1994. "Posted rates as signals in mortgage lending markets," Working Paper 9419, Federal Reserve Bank of Cleveland. [Downloadable!]
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