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Race, Gender, and Familial Status: Discrimination in One US Mortgage Lending Market

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  • Judith Robinson

Abstract

This paper, using data from the 1992 Boston Federal Reserve study of mortgage lending, reports preliminary evidence of patterns of gender and familial status discrimination that differ markedly by race in the US. White couples with children experienced familial status discrimination if the female partner was in the labor market, but not if she was at home raising her children. However, African-American or Hispanic couples with children suffered familial status discrimination if she stayed home to raise her children, but much less so, if at all, if she was in the labor market. This pattern of racial differentiation may reflect social norms dating back to slavery that have favored labor force participation for African-American and Hispanic mothers but not white mothers. On the other hand, it was true across racial groups that single women, more than single men, were disadvantaged in the mortgage market by children.

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  • Judith Robinson, 2002. "Race, Gender, and Familial Status: Discrimination in One US Mortgage Lending Market," Feminist Economics, Taylor & Francis Journals, vol. 8(2), pages 63-85.
    • Handle: RePEc:taf:femeco:v:8:y:2002:i:2:p:63-85
    DOI: 10.1080/13545700210167323
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    References listed on IDEAS

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    1. Smriti Rao & Hazel Malapit, 2015. "Gender, Household Structure and Financial Participation in the United States," Journal of Family and Economic Issues, Springer, vol. 36(4), pages 606-620, December.
    2. Sierminska, Eva M. & Frick, Joachim R. & Grabka, Markus M., 2010. "Examining the gender wealth gap," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 62(4), pages 669-690.
    3. Sierminska, Eva & Frick, Joachim R. & Grabka, Markus M., 2008. "Examining the Gender Wealth Gap in Germany," IZA Discussion Papers 3573, Institute of Labor Economics (IZA).
    4. Lucie Schmidt & Purvi Sevak, 2006. "Gender, Marriage, And Asset Accumulation In The United States," Feminist Economics, Taylor & Francis Journals, vol. 12(1-2), pages 139-166.

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