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Mortgage Lending Discrimination and the Decision to Apply: A Methodological Note

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  • David E. Bloom
  • Beth Preiss
  • James Trussell

Abstract

Previous studies of lenders' decisions to accept or reject loan applications have not accounted for the possibility that lenders discourage written applications from members of protected classes, i.e., prescreening. This paper discusses how prescreening and self‐selection may bias the measurement of discrimination. Estimation techniques are developed that test and correct for such bias whether or not information is available on non‐applicants.

Suggested Citation

  • David E. Bloom & Beth Preiss & James Trussell, 1983. "Mortgage Lending Discrimination and the Decision to Apply: A Methodological Note," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 11(1), pages 97-103, March.
    • Handle: RePEc:bla:reesec:v:11:y:1983:i:1:p:97-103
    DOI: 10.1111/1540-6229.00282
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    References listed on IDEAS

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    1. Glenn C. Loury, 1978. "Patterns in Racial Discrimination in Mortgage Lending," Working Paper 301, Economics Department, Queen's University.
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    Cited by:

    1. Julie L. Hotchkiss & David L. Sjoquist & Stephanie M. Zobay, 1999. "Employment Impact of Inner-city Development Projects: The Case of Underground Atlanta," Urban Studies, Urban Studies Journal Limited, vol. 36(7), pages 1079-1093, June.
    2. Muravyev, Alexander & Talavera, Oleksandr & Schäfer, Dorothea, 2009. "Entrepreneurs' gender and financial constraints: Evidence from international data," Journal of Comparative Economics, Elsevier, vol. 37(2), pages 270-286, June.
    3. Blanchard, Lloyd & Zhao, Bo & Yinger, John, 2008. "Do lenders discriminate against minority and woman entrepreneurs?," Journal of Urban Economics, Elsevier, vol. 63(2), pages 467-497, March.
    4. Clifford B. Hawley & Edwin T. Fujii, 1991. "Discrimination in Consumer Credit Markets," Eastern Economic Journal, Eastern Economic Association, vol. 17(1), pages 21-30, Jan-Mar.

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