IDEAS home Printed from
   My bibliography  Save this paper

Discrimination, redlining, and private mortgage insurance


  • Geoffrey M. B. Tootell


The existence of discrimination and/or redlining in mortgage lending has been debated intensively for years. Traditionally, the lender's role in credit availability has been scrutinized. Yet other institutions, specifically mortgage insurers, often help determine whether a mortgage is granted; if the behavior of the mortgage insurers is not accounted for, their actions could be attributed to the lenders. This paper examines the determinants of the private mortgage insurance decision. Specifically, the roles of the applicant's race and of the racial characteristics of the neighborhood in which the property is located are examined. The analysis includes the most complete data set extant of the variables in the information set of these insurers. Little evidence is found that discrimination is occurring among insurers, but there is some evidence that redlining is.

Suggested Citation

  • Geoffrey M. B. Tootell, 1995. "Discrimination, redlining, and private mortgage insurance," Working Papers 95-10, Federal Reserve Bank of Boston.
  • Handle: RePEc:fip:fedbwp:95-10

    Download full text from publisher

    File URL:
    Download Restriction: no

    File URL:
    Download Restriction: no


    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:fip:fedbwp:95-10. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Catherine Spozio). General contact details of provider: .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.