Lender Automation and Racial Disparities in Credit Access

Sabrina T Howell · Theresa Kuchler · David Snitkof · Johannes Stroebel · Jun Kit Wong

50 citations0/0 files storedNational Bureau of Economic Research

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Abstract

paper subsumes results in an earlier note from December 2020 titled "Which lenders had the highest minority share among their Payment Protection Program (PPP) loans?"We are grateful to Georgij Alekseev, Sara Gong, and Cangyuan Li for superb research assistance, and to Enigma, Middesk, Lendio, Biz2Credit, and Ocrolus for sharing part of their data.In particular, we thank Scott Monaco at Ocrolus for his insights and analytical work.We are also grateful for help from

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1988The Dimensions of Residential Segregation 2018Fintech, regulatory arbitrage, and the rise of shadow banks 2020The impact of COVID-19 on small business outcomes and expectations 2019The Role of Technology in Mortgage Lending 2003Are Emily and Greg More Employable than Lakisha and Jamal? A Field Experiment on Labor Market Discrimination 2021Predictably Unequal? The Effects of Machine Learning on Credit Markets 2003Discrimination in the Small-Business Credit Market 2018Peer-to-Peer Lenders Versus Banks: Substitutes or Complements?

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2021The Fairness of Credit Scoring Models 2024Digital Inclusion and Financial Inclusion: Evidence from Peer-to-Peer Lending

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