Home Purchase Loans are Denied More Often for African American Applicants than White Applicants in Northeast Ohio

Mark J Salling

Home Purchase Loans are Denied More Often for African American Applicants than White Applicants in Northeast Ohio

Research output: Other contribution

Abstract

Housing condition and neighborhood vitality depend on investments by institutions that make purchase loans to home buyers. Without access to such credit prospective homebuyers are fewer and the value of property declines.

The Home Mortgage Disclosure Act (HMDA) provides census tract level data on the number of loan applications that are submitted and the number of home purchase loans that are finalized. Data are reported by the race (and gender) of individual applicants. HMDA data on denials for conventional (1-4 unit) loan applications in 2016 are analyzed in this report for White and African American applicants in the 12-county Northeast Ohio area.

Original language	American English
State	Published - Apr 19 2019

Disciplines

Urban Studies and Planning

Access to Document

Home Purchase Loans are Denied More Often for African American ApFinal published version, 240 KBLicense: CC BY

Cite this

@misc{a934bfd1c1df419b8b6f67878a9b72c0,

title = "Home Purchase Loans are Denied More Often for African American Applicants than White Applicants in Northeast Ohio",

abstract = " Housing condition and neighborhood vitality depend on investments by institutions that make purchase loans to home buyers. Without access to such credit prospective homebuyers are fewer and the value of property declines. The Home Mortgage Disclosure Act (HMDA) provides census tract level data on the number of loan applications that are submitted and the number of home purchase loans that are finalized. Data are reported by the race (and gender) of individual applicants. HMDA data on denials for conventional (1-4 unit) loan applications in 2016 are analyzed in this report for White and African American applicants in the 12-county Northeast Ohio area.",

author = "Salling, \{Mark J\}",

year = "2019",

month = apr,

day = "19",

language = "American English",

type = "Other",

}

TY - GEN

T1 - Home Purchase Loans are Denied More Often for African American Applicants than White Applicants in Northeast Ohio

AU - Salling, Mark J

PY - 2019/4/19

Y1 - 2019/4/19

N2 - Housing condition and neighborhood vitality depend on investments by institutions that make purchase loans to home buyers. Without access to such credit prospective homebuyers are fewer and the value of property declines. The Home Mortgage Disclosure Act (HMDA) provides census tract level data on the number of loan applications that are submitted and the number of home purchase loans that are finalized. Data are reported by the race (and gender) of individual applicants. HMDA data on denials for conventional (1-4 unit) loan applications in 2016 are analyzed in this report for White and African American applicants in the 12-county Northeast Ohio area.

AB - Housing condition and neighborhood vitality depend on investments by institutions that make purchase loans to home buyers. Without access to such credit prospective homebuyers are fewer and the value of property declines. The Home Mortgage Disclosure Act (HMDA) provides census tract level data on the number of loan applications that are submitted and the number of home purchase loans that are finalized. Data are reported by the race (and gender) of individual applicants. HMDA data on denials for conventional (1-4 unit) loan applications in 2016 are analyzed in this report for White and African American applicants in the 12-county Northeast Ohio area.

UR - https://engagedscholarship.csuohio.edu/urban_facpub/1601

M3 - Other contribution

ER -

Home Purchase Loans are Denied More Often for African American Applicants than White Applicants in Northeast Ohio

Abstract

Disciplines

Access to Document

Other files and links

Cite this