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Do Minorities Pay More for Mortgages?

https://doi.org/10.1093/rfs/hhaa047
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What this work says

Outgoing claims: the papers this work cites, builds on, or argues with.

inferredcites →https://doi.org/10.1007/s11146-014-9473-0openalex-snapshot
Racial Discrepancy in Mortgage Interest Rates
inferredcites →https://doi.org/10.1016/j.jeconbus.2007.10.001openalex-snapshot
Race, ethnicity and subprime home loan pricing
inferredcites →https://doi.org/10.1016/j.jue.2007.07.006openalex-snapshot
Mortgage lending in Chicago and Los Angeles: A paired testing study of the pre-application process
inferredcites →https://doi.org/10.1016/j.jue.2015.12.004openalex-snapshot
Discrimination in mortgage lending: Evidence from a correspondence experiment
inferredcites →https://doi.org/10.1016/j.regsciurbeco.2014.07.006openalex-snapshot
Differences in subprime loan pricing across races and neighborhoods
inferredcites →https://doi.org/10.1093/aler/ahx021openalex-snapshot
Mortgage Pricing and Race: Evidence from the Northeast
inferredcites →https://doi.org/10.1093/rfs/hhaa087openalex-snapshot
Does Borrower and Broker Race Affect the Cost of Mortgage Credit?
inferredcites →https://doi.org/10.1093/rfs/hhx035openalex-snapshot
What Drives Racial and Ethnic Differences in High-Cost Mortgages? The Role of High-Risk Lenders
inferredcites →https://doi.org/10.1162/003465302317411532openalex-snapshot
The Transition to Home Ownership and the Black-White Wealth Gap
inferredcites →https://doi.org/10.1257/aer.102.7.3249openalex-snapshot
Diagnosing Consumer Confusion and Sub-Optimal Shopping Effort: Theory and Mortgage-Market Evidence
inferredcites →https://doi.org/10.1257/pol.20140074openalex-snapshot
The Vulnerability of Minority Homeowners in the Housing Boom and Bust
inferredcites →https://doi.org/10.1353/urb.2009.a271140openalex-snapshot
Subprime Mortgage Pricing: The Impact of Race, Ethnicity, and Gender on the Cost of Borrowing
inferredcites →https://doi.org/10.17016/bulletin.2006.92-9openalex-snapshot
Higher-Priced Home Lending and the 2005 HMDA Data
inferredcites →https://doi.org/10.17016/bulletin.2015.101-4openalex-snapshot
The 2014 Home Mortgage Disclosure Act Data
inferredcites →https://doi.org/10.17016/bulletin.2017.103-6openalex-snapshot
Residential Mortgage Lending in 2016: Evidence from the Home Mortgage Disclosure Act Data
inferredcites →https://doi.org/10.2139/ssrn.3422904openalex-snapshot
Paying Too Much? Price Dispersion in the US Mortgage Market
inferredcites →https://doi.org/10.3386/w25943openalex-snapshot
Consumer-Lending Discrimination in the FinTech Era

What points at this work

Incoming claims: where this work appears in other papers’ reference lists and arguments.

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Racial Disparities in Mortgage Lending: New Evidence based on Processing Time
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COVID-19 Mortality Risk Premium and the Interest Rate on Mortgage Loans
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When Prejudice Hits Home: Hate Crime and the Market for Mortgage Credit
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Fintech and Minority Welfare: Evidence from the Mortgage Market
inferred← citeshttps://doi.org/10.2139/ssrn.4812158openalex-extracted
Measuring and Mitigating Racial Disparities in LLMs: Evidence from a Mortgage Underwriting Experiment
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The Hidden Costs of Financial Services: Consumer Complaints and Financial Restitution
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Algorithmic discrimination in the credit domain: what do we know about it?
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Women, immigrants, and microcredit in Europe: a Bayesian approach
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Changing the Scope of GSE Loan Guarantees: Estimating Effects on Mortgage Pricing and Availability
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Do U.S. Borrowers Overpay Mortgage Fees?
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Credit Scoring as a Carceral Practice: An Abolitionist Framework
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Beyond origination charges: The pass-through of GSE upfront fee adjustments in 2022
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Social proximity to capital and mortgage lending
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Health uninsurance premium and mortgage interest rates
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COVID-19 mortality risk premium and the interest rate on mortgage loans
inferred← citeshttps://doi.org/10.1016/j.jbankfin.2026.107779openalex-snapshot
The lock-in effect of rising mortgage rates on housing market dynamics
inferred← citeshttps://doi.org/10.1016/j.jbef.2025.101081openalex-snapshot
Are credit scores gender-neutral? Evidence of mis-calibration from alternative and traditional borrowing data
inferred← citeshttps://doi.org/10.1016/j.jcorpfin.2022.102315openalex-snapshot
Does marriage equality promote credit access? Evidence from same-sex marriage laws
inferred← citeshttps://doi.org/10.1016/j.jeconbus.2022.106056openalex-snapshot
Home price growth and minority access to mortgage credit
inferred← citeshttps://doi.org/10.1016/j.jfineco.2021.05.047openalex-snapshot
Consumer-lending discrimination in the FinTech Era
inferred← citeshttps://doi.org/10.1016/j.jfineco.2022.12.001openalex-snapshot
Mortgage prepayment, race, and monetary policy
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Regulatory arbitrage or random errors? Implications of race prediction algorithms in fair lending analysis
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Can everyone tap into the housing piggy bank? Racial disparities in access to home equity
inferred← citeshttps://doi.org/10.1016/j.jfineco.2025.104142openalex-snapshot
Financial constraints and the racial housing gap
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Understanding the unequal costs of Native American homeownership
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Household mortgage refinancing decisions are neighbor influenced, especially along racial lines
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Who buys high and sells low: Trading against expected returns and wealth inequality
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The role of neighborhood characteristics in explaining political party residential segregation
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Equal price for equal place? Demand-driven racial discrimination in the housing market
inferred← citeshttps://doi.org/10.1017/s0022109025102172openalex-snapshot
Bank Competition and Entrepreneurial Gaps: Evidence from Bank Deregulation
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The price of landlords’ racial and ethnic discrimination: Analyzing the Malaysian rental housing market
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Mortgage Costs as a Share of Housing Costs—Placing the Cost of Credit in Broader Context
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Mortgage Loan Costs: Magnitude and Drivers of Variation
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Ownership structure’s effect on financial performance: An empirical analysis of Jordanian listed firms
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Real Estate Lending
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Racial Disparities in Mortgage Lending: New Evidence Based on Processing Time
inferred← citeshttps://doi.org/10.1093/rcfs/cfac016openalex-snapshot
Does Homeownership Reduce Wealth Disparities for Low-Income and Minority Households?
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Does Borrower and Broker Race Affect the Cost of Mortgage Credit?
inferred← citeshttps://doi.org/10.1093/rfs/hhab035openalex-snapshot
Real and Private-Value Assets
inferred← citeshttps://doi.org/10.1093/rfs/hhab116openalex-snapshot
The Real Effects of Secondary Market Trading Structure: Evidence from the Mortgage Market
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The Relationship Dilemma: Why Do Banks Differ in the Pace at Which They Adopt New Technology?
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Racial Disparities in Financial Complaints and the Role of Corporate Social Attitudes
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Ethnicity in housing markets: Buyers, sellers and agents
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Adding race and ethnicity to microeconomic databases: An assessment of alternative options
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Retail motor gasoline prices and the interest rate on mortgage loans
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Predictably Unequal? The Effects of Machine Learning on Credit Markets
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Lender Automation and Racial Disparities in Credit Access
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How Much Does Racial Bias Affect Mortgage Lending? Evidence from Human and Algorithmic Credit Decisions
inferred← citeshttps://doi.org/10.1111/jofi.70001openalex-snapshot
Paying Too Much? Borrower Sophistication and Overpayment in the U.S. Mortgage Market
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Debt‐based welfare: Debt‐to‐asset relationships across Black and White households in the United States
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E: Policy, Law and Regulation
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Algorithmic Fairness
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Racial Disparities in Housing Returns
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Racial Disparities in the US Mortgage Market
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The Color of Hedge Fund Activism
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The Fairness of Credit Scoring Models
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The Age Gap in Mortgage Access
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How Much Does Racial Bias Affect Mortgage Lending? Evidence from Human and Algorithmic Credit Decisions
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Portable Verified Financial Identity: A Framework for Immigrant Credit Access and Financial Inclusion in the United States
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Cost Pass-Through and Mortgage Credit: The Case of Guarantee Fees
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The Paradox of Opportunity: Socioeconomic Origins of Financial Gender Gaps
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Bridging the Gender Gap: Social Norms, Math Scores and Mortgage Outcomes
inferred← citeshttps://doi.org/10.2139/ssrn.4866374openalex-snapshot
Bridging the Gender Gap: Social Norms, Math Scores and Mortgage Outcomes
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Gender Discrepancies in Creditworthiness: Evidence from Alternative Credit Data
inferred← citeshttps://doi.org/10.2139/ssrn.4954684openalex-snapshot
Mortgage Lenders' Diversity Policies and Mortgage Lending to Minorities
inferred← citeshttps://doi.org/10.2139/ssrn.4955517openalex-snapshot
Monetary Policy and Racial Inequality in Housing Markets
inferred← citeshttps://doi.org/10.2139/ssrn.5049729openalex-snapshot
Lenders' Response to Mortgage Guarantee Fees
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Financial Flexibility in the Gig Economy: The Impact of Ridesharing on Mortgage Loan Terms
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Price and Prejudice: How Racial Animus Shapes Mortgage Pricing
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Do Mortgage Borrowing Experiences Differ by Race and Ethnicity? Evidence from the National Survey of Mortgage Originations
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Gender-Based Sorting in the Credit Card Market
inferred← citeshttps://doi.org/10.2139/ssrn.5260515openalex-snapshot
The Economic Consequences of Mergers Between Real Estate Agencies and Mortgage Lenders *
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Racial Disparities in the U.S. Mortgage Market: Evidence from Data Privacy Legislation
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Social Group Bias in AI Finance
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The Economic Costs of Mass Shootings: Evidence from U.S. Housing Markets
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Disparate Financial Distress while Sustaining Homeownership
inferred← citeshttps://doi.org/10.2139/ssrn.6053914openalex-snapshot
Fairness by Design: Machine Learning and Interpretable Mortgage Lending
inferred← citeshttps://doi.org/10.2139/ssrn.6085670openalex-snapshot
Faith and Financial Inclusion
inferred← citeshttps://doi.org/10.2139/ssrn.6232268openalex-snapshot
Pay Transparency and Racial Disparities in Mortgage Lending
inferred← citeshttps://doi.org/10.2139/ssrn.6334459openalex-snapshot
Persistent Racial Disparities in U.S. Mortgage Approval: Evidence from 42 Million Applications, 2020-2024
inferred← citeshttps://doi.org/10.2139/ssrn.6625458openalex-snapshot
Market Power in Mortgage Pricing: the Role of Referral Lending
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inferred← citeshttps://doi.org/10.2139/ssrn.7266157openalex-snapshot
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inferred← citeshttps://doi.org/10.2139/ssrn.7446698openalex-snapshot
When Prejudice Hits Home: Hate Crime and the Market for Mortgage Credit
inferred← citeshttps://doi.org/10.21799/frbp.wp.2023.03openalex-snapshot
The Age Gap in Mortgage Access
inferred← citeshttps://doi.org/10.29338/wp2022-17openalex-snapshot
Can everyone tap into the housing piggy bank? Racial disparities in access to home equity
inferred← citeshttps://doi.org/10.31219/osf.io/mcew5openalex-snapshot
Banking the Unbanked Spurs Payday Loan Usage among Black Households
inferred← citeshttps://doi.org/10.31235/osf.io/mbx7fopenalex-snapshot
Banking the Unbanked Spurs Payday Loan Usage among Black Households
inferred← citeshttps://doi.org/10.3386/w27552openalex-snapshot
Wealth, Race, and Consumption Smoothing of Typical Income Shocks
inferred← citeshttps://doi.org/10.3386/w28580openalex-snapshot
Real and Private-Value Assets
inferred← citeshttps://doi.org/10.3386/w29364openalex-snapshot
Lender Automation and Racial Disparities in Credit Access
inferred← citeshttps://doi.org/10.3386/w31646openalex-snapshot
Regulatory Arbitrage or Random Errors? Implications of Race Prediction Algorithms in Fair Lending Analysis
inferred← citeshttps://doi.org/10.3386/w32326openalex-snapshot
After the Storm: How Emergency Liquidity Helps Businesses Following Natural Disasters
inferred← citeshttps://doi.org/10.3390/jrfm15050197openalex-snapshot
Credit Risk, Regulatory Costs and Lending Discrimination in Efficient Residential Mortgage Markets
inferred← citeshttps://doi.org/10.3390/jrfm19090674openalex-snapshot
The Fairness Illusion? A Cross-Dataset Audit of Accuracy and Demographic Bias in Credit Scoring Based on Machine Learning
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Exploring Gender and Racial Disparities in Mortgage Pricing: A Comprehensive Analysis of Risk-Based Lending Practices
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Household financial decision making
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Strategies of lending companies and customer satisfaction in San Jose, Occidental Mindoro
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