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Home mortgage lending by the numbers


  • Robert B. Avery
  • Patricia E. Beeson
  • Mark S. Sniderman


A look at some of the issues associated with reports that minority applicants for home mortgage loans are far more likely than whites to be denied credit. The authors raise the concern that simple comparisons of denial rates are not sufficient for grasping the complexities surrounding community-oriented lending.

Suggested Citation

  • Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1993. "Home mortgage lending by the numbers," Economic Commentary, Federal Reserve Bank of Cleveland, issue Feb.
  • Handle: RePEc:fip:fedcec:y:1993:i:feb15

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    References listed on IDEAS

    1. Katharine L. Bradbury & Karl E. Case & Constance R. Dunham, 1989. "Geographic patterns of mortgage lending in Boston, 1982-1987," New England Economic Review, Federal Reserve Bank of Boston, issue Sep, pages 3-30.
    2. 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.
    3. Robert B. Avery, 1989. "Making judgments about mortgage lending patterns," Economic Commentary, Federal Reserve Bank of Cleveland, issue Dec.
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