An Analysis of Market Segmentation in Mortgage Lending Between a Commercial Bank and a Mutual Savings Bank*

Harold A. Black and Robert L. Schweitzer

Real Estate Economics, 1981, vol. 9, issue 3, 234-240

Abstract: This paper is concerned with determining whether commercial banks and mutual savings banks serve separable clienteles in the mortgage market. In order to test the hypothesis, determinants of mortgage lending terms at a major commercial bank and a large mutual savings bank were analyzed. The results indicate that market segmentation does exist. However, some variable signs were other than anticipated. Nevertheless, the significance level of the summary statistic shows that the overall population was separable for the two institutions. Thus, the results of this paper are preliminary. To draw general conclusions, additional data from a larger sample must be obtained.

Date: 1981
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