I regret not knowing the ins and outs of the data before posting it here, but felt that the sources I used were trustworthy enough to warrant inclusion in my post. Tres, I wasn't aware of all the details that you posted (I suspect I would have to read quite a few books to get the full knowledge of that).
Bubba, I was actually aware of the second article that you brought up, and while it does say that the data are unclear, it still acknowledges that the racial disparity is there, just that that particular study cannot narrow down the cause. The reason I 'went with it' was because I
had done deeper research. That article is not the only source suggesting mortgage discrimination, it was just the one with the prettiest picture. There are numerous other studies by a variety of institutions (I will link them at the bottom of this post, with the institution the author is a part of/represents). That they point to similar conclusions, to me, is in indicator that something is afoot.
Again, I don't have specialist knowledge in this area and because I don't I have no way of defending these papers, or the HMDA data used in them, I'll concede their practical use in my argument. However, as I said in an earlier post, mortgage discrimination is just one of a myriad of issues pointing to a difference in outcome for people of colour even under controlled circumstances. We still have matters of psychology, incarceration rates, employment rates etc etc etc.
University of Minnesote - https://www.law.umn.edu/uploads/b2/...359a7c173d4/7a_Communities_in_Crisis-FULL.pdf
University of Georgia - 21 Hofstra Law Review 1992-1993 Mortgage Discrimination: Paperwork and Prohibitions Prove Insufficient-Is it Time for Simplification and Incentives
Economic Policy Institute - A comment on Bank of America/Countrywide
American Economic Association - http://econ2.econ.iastate.edu/class...nce on Discrimination in Mortgage Lending.pdf
New York University - http://repository.law.umich.edu/cgi/viewcontent.cgi?article=1077&context=mjlr
The GreenLining Institute - https://ideas.repec.org/p/fip/fedfcw/2009-09.html
Duke University - JSTOR: An Error Occurred Setting Your User Cookie
University of Connecticut / University of Syracuse - https://ideas.repec.org/b/mtp/titles/0262182289.html
Urban Institute (Different from original article) - Mortgage Lending Discrimination: A Review of Existing Evidence
