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Mortgage lending and the entrepreneur

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  • Alberto Davila
  • Erika Mendez

Abstract

While existing literature assumes that financial institutions penalize entrepreneurs because of this group's perceived higher income risk, this paper contends the opposite, owing to, for example, potentially profitable customer relationships that financial institutions might have with entrepreneurs and the stylized fact that these institutions provide more flexible guidelines to the home mortgage applications of entrepreneurs. The 1995 National Microdata file of the American Housing Survey is employed to empirically address and provide support for this contention.

Suggested Citation

  • Alberto Davila & Erika Mendez, 2002. "Mortgage lending and the entrepreneur," Applied Economics Letters, Taylor & Francis Journals, vol. 9(15), pages 967-970.
    • Handle: RePEc:taf:apeclt:v:9:y:2002:i:15:p:967-970
    DOI: 10.1080/13504850210146703
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    References listed on IDEAS

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    1. Stuart A. Gabriel & Stuart S. Rosenthal, 1991. "Credit rationing, race, and the mortgage market," Journal of Urban Economics, Elsevier, vol. 29(3), pages 371-379, May.
    2. Berkovec, James A & Canner, Glenn B. & Gabriel, Stuart A. & Hannan, Timothy H., 1994. "Race, Redlining, and Residential Mortgage Loan Performance," The Journal of Real Estate Finance and Economics, Springer, vol. 9(3), pages 263-294, November.
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