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Decomposing Racial and Ethnic Differences in Small Business Lending : Evidence of Discrimination
Mijid, Naranchimeg - 2014
is attributed to discrimination in bank lending. Although the difference in the probability of getting a smaller loan … than requested is only 5 percentage points, this difference is almost entirely attributed to discrimination …
Persistent link: https://www.econbiz.de/10013060601
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Minority Loan Officers and Minorities’ Access to Mortgage Credit
Frame, W. Scott; Huang, Ruidi; Mayer, Erik J.; Sunderam, Adi - 2022
We study the relationship between the labor market for loan officers and access to credit in the residential mortgage market. Using novel data matching the (near) universe of mortgage applications to loan officers, we find that minorities are significantly underrepresented among mortgage loan...
Persistent link: https://www.econbiz.de/10013297237
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Banking Deregulation and Discrimination in Mortgage Lending
Chu, Yongqiang - 2019
This paper examines how interstate banking deregulation affects mortgage lending to minorities. I find that the mortgage approval rates for African Americans, compared with other borrowers, decrease after interstate banking deregulation. I also find that the effect is only present in...
Persistent link: https://www.econbiz.de/10012862102
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What drives racial and ethnic differences in high cost mortgages? : the role of high risk lenders
Bayer, Patrick J.; Ferreira, Fernando Vendramel; Ross, … - 2016
This paper examines racial and ethnic differences in high cost mortgage lending in seven diverse metropolitan areas from 2004-2007. Even after controlling for credit score and other key risk factors, African-American and Hispanic home buyers are 105 and 78 percent more likely to have high cost...
Persistent link: https://www.econbiz.de/10011524186
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Stakeholders' aversion to inequality and bank lending to minorities
Crosignani, Matteo; Le, Hanh - 2023
We find that banks differ in their propensity to lend to minorities based on their stakeholders' aversion to inequality. Using mortgage application data collected under the Home Mortgage Disclosure Act, we document a large and persistent cross-sectional variation in banks' propensity to lend to...
Persistent link: https://www.econbiz.de/10014440763
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Consumer Lending Discrimination in the FinTech Era
Bartlett, Robert P. - 2019
Discrimination in lending can occur either in face-to-face decisions or in algorithmic scoring. We provide a workable … interpretation of the courts' legitimate-business-necessity defense of statistical discrimination. We then estimate the extent of … racial/ethnic discrimination in the largest consumer-lending market using an identification afforded by the pricing of …
Persistent link: https://www.econbiz.de/10012900731
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Impacts of owner race and geographic context on access to small-business financing
Bates, Timothy Mason; Robb, Alicia M. - In: Economic development quarterly : the journal of … 30 (2016) 2, pp. 159-170
Persistent link: https://www.econbiz.de/10011564155
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Decomposing racial and ethnic differences in small business lending : evidence of discrimination
Mijid, Naranchimeg; Bernasek, Alexandra - In: Review of social economy : publication of the … 71 (2013) 4, pp. 443-473
Persistent link: https://www.econbiz.de/10010338851
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Measuring Bias in Consumer Lending
Dobbie, Will - 2019
Kingdom. We motivate our analysis using a simple model of discrimination in lending, which predicts that profits should be …
Persistent link: https://www.econbiz.de/10012897960
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Why does caste still influence access to agricultural credit?
Kumar, Sunil Mitra - 2016
-generational prosperity, but also the linked phenomenon of discrimination. This paper examines whether caste-based differences in access to … formal agricultural loans reflect discrimination in banks' lending. We find, first, that there are significant caste …
Persistent link: https://www.econbiz.de/10011491839