Journal of Real Estate Literature

, Volume 7, Issue 1, pp 15–50

Discrimination in Mortgage Lending: A Critical Review of the Literature



This article surveys the diverse research that examines racial disparities in mortgage lending markets in the context of the fair housing legislation of recent decades. A review of the theoretical models, data, and empirical methods reveals deficiencies in all three areas. A new research agenda focusing on development of more complete models of mortgage lending together with panel data tracking mortgage loan performance over time is needed.


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Copyright information

© 1999 American Real Estate Society 1999

Authors and Affiliations

    • 1
  1. 1.Citicorp Mortgage, Inc.St. Louis

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