Mortgage Lending In The Dallas Ft. Worth Metroplex: Screening For Racial Bias Using HMDA Data

Author

Seanna Wesson

Graduation Semester and Year

2007

Language

English

Document Type

Thesis

Degree Name

Master of Science in Real Estate

Department

Finance

First Advisor

Andrew Hansz

Abstract

This study will look at loan data to screen for potential lending discrimination in the Dallas-Ft. Worth Metroplex. The data used for screening purposes is the 2003 Home Mortgage Disclosure Act (HMDA) Loan Application Register (LAR). HMDA data does not provide a complete picture of an applicant's creditworthiness. It lacks important information such as an applicant's employment and credit histories. As a result, this study cannot make a conclusive finding of racial bias in mortgage lending in the Dallas-Ft. Worth Area. However, this study can determine if there are any indicators of racial bias that would warrant deeper investigation.

Disciplines

Business | Finance and Financial Management | Real Estate

License

This work is licensed under a Creative Commons Attribution-NonCommercial-Share Alike 4.0 International License.

Comments

Degree granted by The University of Texas at Arlington

Recommended Citation

Wesson, Seanna, "Mortgage Lending In The Dallas Ft. Worth Metroplex: Screening For Racial Bias Using HMDA Data" (2007). Finance and Real Estate Theses. 4.
https://mavmatrix.uta.edu/financerealestate_theses/4