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Federal Reserve Bank of Cleveland
Working Papers (Old Series)
Accounting for racial differences in housing credit markets
Robert B. Avery
Patricia E. Beeson
Mark S. Sniderman
Abstract

A documentation of racial and neighborhood differences in home mortgage denial rates using data collected under the Home Mortgage Disclosure Act, exploring the extent to which objective lending criteria are responsible for observed differences. The authors find persistent variations in denial rates between white and minority applicants, but emphasize that the HMDA data do not contain enough relevant information to draw any firm conclusions regarding causation.


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Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, Accounting for racial differences in housing credit markets, Federal Reserve Bank of Cleveland, Working Papers (Old Series) 9310, 1993.
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Keywords: Discrimination in mortgage loans ; Mortgages ; Home Mortgage Disclosure Act ; Community Reinvestment Act of 1977
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Fed-in-Print is the central catalog of publications within the Federal Reserve System. It is managed and hosted by the Economic Research Division, Federal Reserve Bank of St. Louis.

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