期刊
JOURNAL OF URBAN ECONOMICS
卷 92, 期 -, 页码 48-65出版社
ACADEMIC PRESS INC ELSEVIER SCIENCE
DOI: 10.1016/j.jue.2015.12.004
关键词
Discrimination; Field experiment; Mortgage lending; Race
We design and implement an experimental test for differential response by mortgage loan originators (MLOs) to requests for information about loans. Our e-mail correspondence experiment is designed to analyze differential treatment by client race and credit score. Our results show net discrimination by 1.8% of MLOs through non-response. We also find that MLOs offer more details about loans and are more likely to send follow up correspondence to whites. The effect of being African American on MLO response is equivalent to the effect of having a credit score that is 71 points lower. (C) 2016 Elsevier Inc. All rights reserved.
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