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Race, Gender, and Familial Status: Discrimination in One US Mortgage Lending Market

  • Judith Robinson
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    This paper, using data from the 1992 Boston Federal Reserve study of mortgage lending, reports preliminary evidence of patterns of gender and familial status discrimination that differ markedly by race in the US. White couples with children experienced familial status discrimination if the female partner was in the labor market, but not if she was at home raising her children. However, African-American or Hispanic couples with children suffered familial status discrimination if she stayed home to raise her children, but much less so, if at all, if she was in the labor market. This pattern of racial differentiation may reflect social norms dating back to slavery that have favored labor force participation for African-American and Hispanic mothers but not white mothers. On the other hand, it was true across racial groups that single women, more than single men, were disadvantaged in the mortgage market by children.

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    File URL: http://www.tandfonline.com/doi/abs/10.1080/13545700210167323
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    Article provided by Taylor & Francis Journals in its journal Feminist Economics.

    Volume (Year): 8 (2002)
    Issue (Month): 2 ()
    Pages: 63-85

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    Handle: RePEc:taf:femeco:v:8:y:2002:i:2:p:63-85
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    1. Alicia H. Munnell, 1992. "Mortgage lending in Boston: interpreting HMDA data," Working Papers 92-7, Federal Reserve Bank of Boston.
    2. Geoffrey M.B. Tootell, 1993. "Defaults, denials, and discrimination in mortgage lending," New England Economic Review, Federal Reserve Bank of Boston, issue Sep, pages 45-51.
    3. Deirdre N. McCloskey & Stephen T. Ziliak, 1996. "The Standard Error of Regressions," Journal of Economic Literature, American Economic Association, vol. 34(1), pages 97-114, March.
    4. James A. Berkovec & Glenn B. Canner & Stuart A. Gabriel & Timothy H. Hannan, 1998. "Discrimination, Competition, And Loan Performance In Fha Mortgage Lending," The Review of Economics and Statistics, MIT Press, vol. 80(2), pages 241-250, May.
    5. Haurin, Donald R. & Kamara, Duewa A., 1992. "The homeownership decision of female-headed households," Journal of Housing Economics, Elsevier, vol. 2(4), pages 293-309, December.
    6. Anthony M.J. Yezer & Robert F. Phillips & Robert P. Trost, 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.
    7. William C. Hunter & Mary Beth Walker, 1995. "The cultural affinity hypothesis and mortgage lending decisions," Working Paper Series, Issues in Financial Regulation 95-8, Federal Reserve Bank of Chicago.
    8. 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.
    9. Janet Netz & Jon Haveman, 1999. "All In The Family: Family, Income, And Labor Force Attachment," Feminist Economics, Taylor & Francis Journals, vol. 5(3), pages 85-106.
    10. Glenn B. Canner & Dolores S. Smith, 1992. "Expanded HMDA data on residential lending: one year later," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Nov, pages 801-824.
    11. Peter Kennedy, 2003. "A Guide to Econometrics, 5th Edition," MIT Press Books, The MIT Press, edition 5, volume 1, number 026261183x, June.
    12. Ladd, Helen F, 1982. "Equal Credit Opportunity: Women and Mortgage Credit," American Economic Review, American Economic Association, vol. 72(2), pages 166-70, May.
    13. Lynn Elaine Browne & Geoffrey M.B. Tootell, 1995. "Mortgage lending in Boston: a response to the critics," New England Economic Review, Federal Reserve Bank of Boston, issue Sep, pages 53-78.
    14. Julianne Malveaux, 1985. "The economic interests of black and white women: Are they similar?," The Review of Black Political Economy, Springer, vol. 14(1), pages 5-27, June.
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