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作者

来源

来源 JOURNAL OF URBAN ECONOMICS,Vol.64,P.902-919

语言

英文

关键字

G21;J15;J71;L85;R30;Mortgage lending;Discrimination;Paired testing;Fair lending

作者单位

Department of Economics, University of Connecticut, Storrs, CT 06269-1063, USA"}]},{"#name":"affiliation","$":{"id":"aff002;Urban Institute, Metropolitan Housing and Communities Policy Center, Washington, DC, USA"}]},{"#name":"affiliation","$":{"id":"aff003;Department of Psychology, New York University, New York, NY, USA"}]},{"#name":"correspondence","$":{"id":"cor001;Department of Economics, University of Connecticut, Storrs, CT 06269-1063, USA"}]},"aff002":{"#name":"affiliation","$":{"id":"aff002;Urban Institute, Metropolitan Housing and Communities Policy Center, Washington, DC, USA"}]},"aff003":{"#name":"affiliation","$":{"id":"aff003;Department of Psychology, New York University, New York, NY, USA"}]}},"correspondences":{"cor001":{"#name":"correspondence","$":{"id":"cor001

摘要

In 2000, the Urban Institute paired African-American and Hispanic testers with whites and sent the pairs to visit lenders in Chicago and Los Angeles, in order to inquire about information on obtaining a home mortgage. In Chicago, African Americans and Hispanics systematically received less information and assistance than comparable whites; while in Los Angeles, the treatment of minority and white testers did not differ statistically from each other. Multivariate analyses for Chicago indicate that large lenders treat minorities more favorably than smaller lenders and that lenders with substantial numbers of applications from African-Americans treat African-Americans more favorably than lenders with predominantly white application pools.