Reprints of the published article are available upon request.
Comments are welcome.
Following is the opening section of the paper. Click here to view the entire paper. Overview Over the last decade, numerous authors have evaluated the existence and degree of racial and economic disparities occurring in the urban home mortgage market. Studies across the country show that blacks proportionally apply for fewer loans than whites, yet are rejected more often. Regression analyses, using various model specifications and data sets, agree that redlining and racial variables show consistent, significant and negative associations with home mortgage lending.