All Other Things Being Equal: A Paired Testing Study of Mortgage Lending Institutions (Executive Summary)

All Other Things Being Equal: A Paired Testing Study of Mortgage Lending Institutions (Executive Summary)

In Los Angeles —

  • Blacks were offered less coaching than comparable white homebuyers, and were more likely to be encouraged to consider an FHA loan.
  • Hispanics were denied basic information about loan amount and house price, told about fewer products, and received less follow-up compared to Anglo homebuyers.

In Chicago —

  • Blacks were denied basic information about loan amount and house price, told about fewer products, offered less coaching, and received less follow-up than comparable white homebuyers.
  • Hispanics were quoted lower loan amounts or house prices, told about fewer products, and offered less coaching than comparable Anglo homebuyers.

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