Discrimination in Mortgage Lending: A Critical Review of the Literature

Michael LaCour-Little

California State University at Fullerton

Journal of Real Estate Literature

This paper surveys the literature on racial disparities in mortgage lending over the past twenty five years, including a discussion of the theoretical models, empirical methods, and data used to test for discrimination. Weaknesses in the models, methods, and data typically used together with results from simulation studies cast serious doubt on many of the claims made about discrimination in mortgage lending markets. In its conclusion the paper offers some proposals for new directions in research to better understand racial differences in mortgage usage.

Note: This is a description of the paper and is not the actual abstract.

JEL Classification: G21, J78

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Date posted: November 25, 1998  

Suggested Citation

LaCour-Little, Michael, Discrimination in Mortgage Lending: A Critical Review of the Literature. Journal of Real Estate Literature. Available at SSRN: http://ssrn.com/abstract=120468

Contact Information

Michael LaCour-Little (Contact Author)
California State University at Fullerton ( email )
5133 Mihaylo Hall
Fullerton, CA 92834-6848
United States
657-278-4014 (Phone)
657-278-2161 (Fax)
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