Much more analysis is needed to learn in the event the certain lending institutions is engaged in redlining or any other discriminatory techniques. Other factors will be structuring these types of effects. With that said, this analysis really does highly recommend race is to try out a critical role for the do it yourself application for the loan effects at census area levelbined with the past post, our results show that Black colored do-it-yourself loan individuals is actually refuted at the almost double the interest rate due to the fact white candidates, and you will do it yourself mortgage originations was concentrated for the white, wealthy groups. (more…)