Do Black-Owned Banks Discriminate against Black Borrowers? |
| |
Authors: | HAROLD A. Black M. Cary Collins Ken B. Cyree |
| |
Affiliation: | (1) University of Tennessee, Knoxville, TN, 37966-0540;(2) Bryant College, Smithreld, Rhode Island, 02917 |
| |
Abstract: | Black-owned and white-owned banks are studied to test for lending discrimination based on applicant's race. Using single-equation models the rndings suggest that black-owned banks may utilize applicant race in the mortgage granting decision. The result holds in a naive HMDA model and in an enhanced HMDA model with bank-specirc, demographic, and neighborhood characteristics added. |
| |
Keywords: | |
本文献已被 SpringerLink 等数据库收录! |
|