Working Paper

Using High-Frequency Evaluations to Estimate Discrimination: Evidence from Mortgage Loan Officers

Marco Giacoletti,
Rawley Z. Heimer &
Edison Yu

April 2021

WP 21-04/R (Superseded by WP 26-18)

A previous version of this working paper was originally published in February 2021. This paper was superseded by Working Paper 26-18 – Temporal Focal Points and Economic Outcomes: Evidence from U.S. Mortgage Lending.

Do Loan Officers Discriminate?

Research in Focus — Edison Yu of the Philadelphia Fed and his two coauthors test for taste-based discrimination across U.S. mortgage lenders over a 25-year span.

Research in Focus Economic Insights

Mortgage Markets

Discussion Paper

Reverse Mortgage Retrospective: How Recent Policy Changes Affected Government-Insured Reverse Mortgage Originations and Performance

Lauren Lambie-Hanson &
Stephanie Moulton

November 2020

DP 20-06 — This discussion paper analyzes the outcomes of recent policy reforms to the federally insured reverse mortgage program.

Housing & Neighborhoods

Article

Five Things to Know About the Community Reinvestment Act and Fair Lending Laws

Cascade: No. 99 - The Fair Housing Act and Community Reinvestment Act are both important tools in fighting discrimination and discriminatory practices that have led to restricted access to opportunity for groups of people and disinvestment from places.