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Racial Discrimination as a Determinant of Home Improvement Loans

Author

Listed:
  • Randy E. Ryker

    (Department of Sociology at Memphis State University, Memphis, Tennessee)

  • Louis G. Pol

    (Department of Sociology at Memphis State University, Memphis, Tennessee)

  • Rebecca F. Guy

    (Department of Sociology at Memphis State University, Memphis, Tennessee)

Abstract

While there is a sizeable body of literature which points to racial discrimination in the mortgage lending market, few studies have examined racial discrimination in home improvement lending. Using data made available through the Home Mortgage Disclosure Act, this study is concerned with determining if areas with a large proportion minority, in this case, blacks, are being systematically denied home improvement loans by the major lending institutions of Memphis, Tennessee. the findings presented here provide mixed support for the argument that racial discrimination in the home lending market also includes home improvement loans. The implications of these findings are discussed.

Suggested Citation

  • Randy E. Ryker & Louis G. Pol & Rebecca F. Guy, 1984. "Racial Discrimination as a Determinant of Home Improvement Loans," Urban Studies, Urban Studies Journal Limited, vol. 21(2), pages 177-182, May.
    • Handle: RePEc:sae:urbstu:v:21:y:1984:i:2:p:177-182
    DOI: 10.1080/00420988420080331
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    References listed on IDEAS

    as
    1. Roger S. Ahlbrandt, 1977. "Exploratory Research on the Redlining Phenomenon," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 5(4), pages 473-481, December.
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