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- Title
An Empirical Analysis of Sexual Orientation Discrimination.
- Authors
Dillbary, J. Shahar; Edwards, Griffin
- Abstract
This study is the first to empirically demonstrate widespread discrimination across the United States based on perceived sexual orientation, sex, and race in mortgage lending. Our analysis of over five million mortgage applications reveals that any Fair Housing Administration (FHA) loan application filed by same-sex male co-applicants is significantly less likely to be approved compared to the white heterosexual baseline (holding lending risk constant). The most likely explanation for this pattern is sexual orientation-based discrimination--despite the fact that FHA loans are the only type of loan in which discrimination on the basis of sexual orientation is prohibited.
- Subjects
UNITED States; HOMOPHOBIA; SEX discrimination laws; HOUSING discrimination laws; UNITED States. Federal Housing Administration; LEGAL status of gay men; MORTGAGES; STATE laws; GOVERNMENT lending
- Publication
University of Chicago Law Review, 2019, Vol 86, Issue 1, p1
- ISSN
0041-9494
- Publication type
Article