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- Title
Mortgage Redlining: Race, Risk, and Demand.
- Authors
Holmes, Andrew; Horvitz, Paul
- Abstract
Charges that geographical redlining is widely practiced by mortgage lenders and is associated with racial discrimination have received much attention. However, empirical research in this area has yet to document a convincing answer to the question of whether redlining even exists. Much of the previous research in this area has suffered from failure to account for variations in risk, and/or failure to adequately control for geographical differences in demand. This study addresses these problems in an effort to determine whether the disparity in the flow of mortgage credit can be explained by differences in risk and demand.
- Subjects
HOUSTON (Tex.); UNITED States; RACE discrimination in mortgage loans; SOCIOECONOMIC factors; MORTGAGE loan laws; RACE discrimination; HOUSING finance laws; MORTGAGE loans; DEFAULT (Finance); CREDIT risk
- Publication
Journal of Finance (Wiley-Blackwell), 1994, Vol 49, Issue 1, p81
- ISSN
0022-1082
- Publication type
Article
- DOI
10.1111/j.1540-6261.1994.tb04421.x