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

Margery Austin Turner, Erin Godfrey, Stephen Ross and Robin R. Smith
Additional contact information
Margery Austin Turner: Urban Institute
Erin Godfrey: New York University
Robin R. Smith: Urban Institute

No 2003-09, Working papers from University of Connecticut, Department of Economics

Abstract: 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.

Pages: 27 pages
Date: 2003-03, Revised 2004-05
New Economics Papers: this item is included in nep-geo and nep-ure
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Citations: View citations in EconPapers (3)

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https://media.economics.uconn.edu/working/2003-09R.pdf Revised version (application/pdf)
https://media.economics.uconn.edu/working/2003-09.pdf Original version (application/pdf)

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Persistent link: https://EconPapers.repec.org/RePEc:uct:uconnp:2003-09

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