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Comparing lending decisions of minority-owned and White-owned banks: Is there discrimination in mortgage lending?

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  • Black, Harold A.
  • Robinson, Breck L.
  • Schweitzer, Robert L.

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  • Black, Harold A. & Robinson, Breck L. & Schweitzer, Robert L., 2001. "Comparing lending decisions of minority-owned and White-owned banks: Is there discrimination in mortgage lending?," Review of Financial Economics, Elsevier, vol. 10(1), pages 23-39.
    • Handle: RePEc:eee:revfin:v:10:y:2001:i:1:p:23-39
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    References listed on IDEAS

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    1. David Horne, 1997. "Mortgage Lending, Race, and Model Specification," Journal of Financial Services Research, Springer;Western Finance Association, vol. 11(1), pages 43-68, February.
    2. Michael C. Keeley & Gary C. Zimmerman, 1985. "Determining geographic markets for deposit competition in banking," Economic Review, Federal Reserve Bank of San Francisco, issue Sum, pages 25-45.
    3. Calomiris, Charles W & Kahn, Charles M & Longhofer, Stanley D, 1994. "Housing-Finance Intervention and Private Incentives: Helping Minorities and the Poor," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 26(3), pages 634-674, August.
    4. Lawrence, Edward C., 1997. "The viability of minority-owned banks," The Quarterly Review of Economics and Finance, Elsevier, vol. 37(1), pages 1-21.
    5. Robert F. Phillips & Robert P. Trost & Anthony M.J. Yezer, 1994. "Bias in estimates of discrimination and default in mortgage lending: the effects of simultaneity and self-selection," Proceedings, Federal Reserve Bank of Philadelphia, pages 197-222.
    6. 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.
    7. Kwast, Myron L. & Black, Harold, 1983. "An analysis of the behavior of mature black-owned commercial banks," Journal of Economics and Business, Elsevier, vol. 35(1), pages 41-54.
    8. Douglas D. Evanoff & Lewis M. Segal, 1996. "CRA and fair lending regulations: resulting trends in mortgage lending," Economic Perspectives, Federal Reserve Bank of Chicago, vol. 20(Nov), pages 19-46.
    9. Lawrence J. Radecki, 1998. "The expanding geographic reach of retail banking markets," Economic Policy Review, Federal Reserve Bank of New York, vol. 4(Jun), pages 15-34.
    10. Robert T. Clair, 1988. "The performance of black-owned banks in their primary market areas," Economic and Financial Policy Review, Federal Reserve Bank of Dallas, issue Nov, pages 11-20.
    11. Robert Avery & Patricia Beeson & Paul Calem, 1997. "Using HMDA Data as a Regulatory Screen for Fair Lending Compliance," Journal of Financial Services Research, Springer;Western Finance Association, vol. 11(1), pages 9-42, February.
    12. Dahl, Drew, 1996. "Ownership changes and lending at minority banks: A note," Journal of Banking & Finance, Elsevier, vol. 20(7), pages 1289-1301, August.
    13. Bates, Timothy M & Bradford, William D, 1980. "An Analysis of the Portfolio Behavior of Black-Owned Commercial Banks," Journal of Finance, American Finance Association, vol. 35(3), pages 753-768, June.
    14. Black, Harold & Schweitzer, Robert L & Mandell, Lewis, 1978. "Discrimination in Mortgage Lending," American Economic Review, American Economic Association, vol. 68(2), pages 186-191, May.
    15. Lisa Mohanty & Gary Dymski, 1999. "Credit and Banking Structure: Asian and African-American Experience in Los Angeles," American Economic Review, American Economic Association, vol. 89(2), pages 362-366, May.
    16. HAROLD Black & M. Collins & Ken Cyree, 1997. "Do Black-Owned Banks Discriminate against Black Borrowers?," Journal of Financial Services Research, Springer;Western Finance Association, vol. 11(1), pages 189-204, February.
    17. Brimmer, Andrew F, 1971. "The Black Banks: An Assessment of Performance and Prospects," Journal of Finance, American Finance Association, vol. 26(2), pages 379-405, May.
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    Cited by:

    1. Gerardi, Kristopher & Willen, Paul S. & Zhang, David Hao, 2023. "Mortgage prepayment, race, and monetary policy," Journal of Financial Economics, Elsevier, vol. 147(3), pages 498-524.
    2. Craig J. Richardson & Zachary D. Blizard, 2023. "Did the 2010 Dodd–Frank Banking Act deflate property values in low-income neighborhoods?," Public Choice, Springer, vol. 197(3), pages 433-454, December.

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