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Mortgage Pricing Differentials Across Hispanic, Black, and White Households: Evidence from the American Housing Survey

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HUD – PD&R
Abstract

This analysis uses recent metropolitan area samples of the American Housing Survey (AHS) for 1998, 2002, and 2004 to investigate differences in the terms, conditions, and use of mortgage financing alternatives, and how financing and mortgage rates differ for Hispanics as compared to other ethnic groups across a number of different U.S. housing markets. The principal focus of the study is to examine the extent to which differences in the interest rates obtained by homeowners of different race/ethnicity and income levels can be explained by differences in characteristics of the borrowers, the property, and the loan itself.

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Paper provided by HUD USER, Economic Development in its series Economic Development Publications with number 39041.

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Length: 53 pages
Date of creation: Feb 2006
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Handle: RePEc:hud:wpaper:39041

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R5 - Urban, Rural, and Regional Economics - - Regional Government Analysis

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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. Nothaft, Frank E. & Perry, Vanessa G., 2002. "Do mortgage rates vary by neighborhood? Implications for loan pricing and redlining," Journal of Housing Economics, Elsevier, vol. 11(3), pages 244-265, September. [Downloadable!] (restricted)
  2. Glenn Canner & Karen Dynan & Wayne Passmore, 2002. "Mortgage refinancing in 2001 and early 2002," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Dec, pages 469-481. [Downloadable!]
  3. Crawford, Gordon W & Rosenblatt, Eric, 1999. "Differences in the Cost of Mortgage Credit Implications for Discrimination," The Journal of Real Estate Finance and Economics, Springer, vol. 19(2), pages 147-59, September. [Downloadable!] (restricted)
  4. Marsha Courchane & David Nickerson, 1997. "Discrimination Resulting from Overage Practices," Journal of Financial Services Research, Springer, vol. 11(1), pages 133-151, February. [Downloadable!] (restricted)
  5. Black, Harold A. & Boehm, Thomas P. & DeGennaro, Ramon P., 2003. "Is there discrimination in mortgage pricing? The case of overages," Journal of Banking & Finance, Elsevier, vol. 27(6), pages 1139-1165, June. [Downloadable!] (restricted)
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