Do Black-Owned Banks Discriminate against Black Borrowers?

Authors: Black H.A.¹; Collins M.C.¹; Cyree K.B.²

Source: Journal of Financial Services Research, Volume 11, Number 1, 19 February 1997 , pp. 189-204(4)

Publisher: Springer

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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.

Language: English

Document Type: Regular paper

Affiliations: 1: University of Tennessee, Knoxville, TN 37966-0540 2: Bryant College, Smithreld, Rhode Island 02917

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