Mortgage Redlining: Race, Risk, and Demand

Paul M. Horvitz

114 citations0/0 files storedThe Journal of Finance

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Urban, Neighborhood, and Segregation Studies Banking stability, regulation, efficiency Housing Market and Economics

Abstract

ABSTRACT Charges that geographical redlining is widely practiced by mortgage lenders and is associated with racial discrimination have received much attention. However, empirical research in this area has yet to document a convincing answer to the question of whether redlining even exists. Much of the previous research in this area has suffered from failure to account for variations in risk, and/or failure to adequately control for geographical differences in demand. This study addresses these problems in an effort to determine whether the disparity in the flow of mortgage credit can be explained by differences in risk and demand.

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References

1989Geographic patterns of mortgage lending in Boston, 1982-1987 1971THE BLACK BANKS: AN ASSESSMENT OF PERFORMANCE AND PROSPECTS 1988The performance of foreign owned, minority owned, and holding company owned banks in the U.S.1980An Analysis of the Portfolio Behavior of Black-Owned Commercial Banks 1974THE START‐UP EXPERIENCE OF MINORITY‐OWNED COMMERCIAL BANKS: A COMPARATIVE ANALYSIS

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2017European Union Regulations on Algorithmic Decision Making and a “Right to Explanation”2001Hedging in Scientifically Oriented Discourse. Exploring Variation According to Discipline and Intended Audience 1996The cultural affinity hypothesis and mortgage lending decisions 2016Pockets of Poverty: The Long-Term Effects of Redlining 2006Discrimination in the Credit and Housing Markets: Findings and Challenges 2016What Drives Racial and Ethnic Differences in High Cost Mortgages? The Role of High Risk Lenders 2016Differential Access to Capital from Financial Institutions by Minority Entrepreneurs 1997Strategic Responses to Bank Regulation: Evidence From HMDA Data

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