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Methodology used in matched-pair audits designed to detect differential treatment in the mortgage lending pre-application process
| dc.creator | Haskin, Edward Arthur | |
| dc.date.accessioned | 2012-06-07T22:59:29Z | |
| dc.date.available | 2012-06-07T22:59:29Z | |
| dc.date.created | 2000 | |
| dc.date.issued | 2000 | |
| dc.identifier.uri | https://hdl.handle.net/1969.1/ETD-TAMU-2000-THESIS-H372 | |
| dc.description | Due to the character of the original source materials and the nature of batch digitization, quality control issues may be present in this document. Please report any quality issues you encounter to digital@library.tamu.edu, referencing the URI of the item. | en |
| dc.description | Includes bibliographical references (leaves 66-71). | en |
| dc.description | Issued also on microfiche from Lange Micrographics. | en |
| dc.description.abstract | Access to home mortgage loans has not been a dream equally realized in this country. Since the release of more detailed mortgage lending data, attention has been directed to loan approval differences across race. While denial rates for all races seemed to increase during the 1990s, the gap between minority and non-minority remained the same. This discussion looks at one particular method to identify discrimination at the pre-application stage of the lending process. The use of matched-pair audits is reviewed and a "pure" experimental design is developed. Practical application of the "pure" method is addressed while considering legal and cost concerns that may impair validity. Whether conducting discrimination audits for enforcement or market analysis, it is hoped that the concerns outlined within this discussion are addressed. | en |
| dc.format.medium | electronic | en |
| dc.format.mimetype | application/pdf | |
| dc.language.iso | en_US | |
| dc.publisher | Texas A&M University | |
| dc.rights | This thesis was part of a retrospective digitization project authorized by the Texas A&M University Libraries in 2008. Copyright remains vested with the author(s). It is the user's responsibility to secure permission from the copyright holder(s) for re-use of the work beyond the provision of Fair Use. | en |
| dc.subject | sociology. | en |
| dc.subject | Major sociology. | en |
| dc.title | Methodology used in matched-pair audits designed to detect differential treatment in the mortgage lending pre-application process | en |
| dc.type | Thesis | en |
| thesis.degree.discipline | sociology | en |
| thesis.degree.name | M.S. | en |
| thesis.degree.level | Masters | en |
| dc.type.genre | thesis | en |
| dc.type.material | text | en |
| dc.format.digitalOrigin | reformatted digital | en |
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