Historical Bias in Mortgage Lending, Redlining, and Implications for the Uncertain Geographic Context Problem: A Study of Structural Housing Discrimination in Dallas and Boston.
According to the uncertain geographic context problem, a lack of temporal information can hinder measures of bias in mortgage lending. This study extends previous methods to: (1) measure the persistence of racial bias in mortgage lending for Black Americans by adding temporal trends and credit score...
| Publicado en: | Journal of Urban Health Vol. 101; no. 5; pp. 1037 - 1045 |
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| Autores principales: | , , , , , |
| Formato: | Artículo |
| Publicado: |
Springer Nature
Oct2024
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| Materias: | |
| Acceso en línea: | Ver este registro en EBSCOhost |
| fields | @attributes: recordID: 1 pdfLink: plink: https://search.ebscohost.com/login.aspx?direct=true&db=ssf&AN=180153495&site=ehost-live header: @attributes: shortDbName: ssf uiTerm: 180153495 longDbName: Social Sciences Full Text (H.W. Wilson) uiTag: AN controlInfo: bkinfo: jinfo: jid: 10993460 GMF jtl: Journal of Urban Health issn: 10993460 maglogo: N pubinfo: dt: Oct2024 vid: 101 iid: 5 pid: 237 pub: Springer Nature artinfo: ui: 180153495 10.1007/s11524-024-00887-3 ppf: 1037 ppct: 8 formats: fmt: – @attributes: type: T – @attributes: type: P size: 2MB tig: atl: Historical Bias in Mortgage Lending, Redlining, and Implications for the Uncertain Geographic Context Problem: A Study of Structural Housing Discrimination in Dallas and Boston. aug: au: Beauchamp, Alaina M. Tiro, Jasmin A. Haas, Jennifer S. Kobrin, Sarah C. Alegria, Margarita Hughes, Amy E. affil: https://ror.org/05byvp690 Peter O'Donnell Jr. School of Public Health, University of Texas Southwestern Medical Center, 5323 Harry Hines Blvd., 75390-9066, Dallas, TX, USA https://ror.org/024mw5h28 Department of Public Health Sciences, University of Chicago Biological Sciences Division, Chicago, IL, USA https://ror.org/002pd6e78 Division of General Internal Medicine, Massachusetts General Hospital, Boston, MA, USA https://ror.org/040gcmg81 Division of Cancer Control and Population Sciences, National Cancer Institute, Bethesda, USA https://ror.org/002pd6e78 Department of Medicine and Psychiatry, Massachusetts General Hospital, Boston, MA, USA https://ror.org/03cbz4r60 Harold C Simmons Comprehensive Cancer Center, Dallas, TX, USA su: Standard metropolitan statistical areas Housing discrimination Racism Mortgage loans Credit ratings sug: subj: Standard metropolitan statistical areas Housing discrimination Racism Credit Bureaus Real Estate Credit Mortgage loans Credit ratings ab: According to the uncertain geographic context problem, a lack of temporal information can hinder measures of bias in mortgage lending. This study extends previous methods to: (1) measure the persistence of racial bias in mortgage lending for Black Americans by adding temporal trends and credit scores, and (2) evaluate the continuity of bias in discriminatory areas from 1990 to 2020. These additions create an indicator of persistent structural housing discrimination. We studied the Boston-Cambridge-Newton and Dallas-Fort Worth metropolitan statistical areas to examine distinct historical trajectories and urban development. We estimated the odds of mortgage denial for census tracts. Overall, all tracts in Boston-Cambridge-Newton (N = 1003) and Dallas-Fort Worth (N = 1312) displayed significant change, with greater odds of bias over time in Dallas-Fort Worth and lower odds in Boston-Cambridge-Newton. Historically redlined areas displayed the strongest persistence of bias. Results suggest that temporal data can identify persistence and improve sensitivity in measuring neighborhood bias. Understanding the temporality of residential exposure can increase research rigor and inform policy to reduce the health effects of racial bias. pubtype: Academic Journal doctype: Article src: R language: English refInfo: copyright: @attributes: flag: N holdings: @attributes: islocal: N |
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