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Other Things Being Equal: A Paired Testing Study of Discrimination in Mortgage Lending

  • Margery Austin Turner

    (Urban Institute)

  • Erin Godfrey

    (New York University)

  • Stephen L. Ross

    (University of Connecticut)

  • Robin R. Smith

    (Urban Institute)

This article summarizes a recently completed study, funded by the U.S. Department of Housing and Urban Development (HUD) and conducted by the Urban Institute, of discrimination against black and Hispanic homebuyers when they visit mortgage lending institutions in two major metropolitan markets to make pre-application inquiries. It represents the first application of paired testing to rigorously measure discrimination in the mortgage lending process. The paired tests disclosed significant levels of adverse treatment on the basis of race and ethnicity, with African Americans and Hispanics receiving less information and assistance than comparable whites, even at this very early stage in the application process.

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Paper provided by University of Connecticut, Department of Economics in its series Working papers with number 2003-09.

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Length: 27 pages
Date of creation: Mar 2003
Date of revision: May 2004
Handle: RePEc:uct:uconnp:2003-09
Contact details of provider: Postal: University of Connecticut 365 Fairfield Way, Unit 1063 Storrs, CT 06269-1063
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  1. Stephen L. Ross & John Yinger, 2002. "The Color of Credit: Mortgage Discrimination, Research Methodology, and Fair-Lending Enforcement," MIT Press Books, The MIT Press, edition 1, volume 1, number 0262182289, June.
  2. 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.
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