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Discrimination, Lending Practices and Housing Values: Preliminary Evidence from the Houston Market

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  • Andrew Holmes
  • Joe James

Abstract

At the center of the debate on racially induced price differentials in housing is the issue of discrimination. This research studies the impact that ethnic as well as racial composition in a neighborhood exerts on value. In an attempt to extend previous efforts, aggregate data is used to study the effects of discrimination and lending bias on residential real estate in Houston, Texas. The data do not support allegations of systematic bias in the mortgage lending process.

Suggested Citation

  • Andrew Holmes & Joe James, 1996. "Discrimination, Lending Practices and Housing Values: Preliminary Evidence from the Houston Market," Journal of Real Estate Research, Taylor & Francis Journals, vol. 11(1), pages 25-37, January.
    • Handle: RePEc:taf:rjerxx:v:11:y:1996:i:1:p:25-37
    DOI: 10.1080/10835547.1996.12090810
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