The Rainbow of Credit: Same-sex Mortgage Discrimination and Two-sided Spillover Effect

Abstract

Using the Home Mortgage Disclosure Act (HMDA) national data from 1990 to 2015, we propose a method to identify potentially homosexual borrowers without requiring any self-disclosure on sexual orientation. Augmenting the HMDA data with the classical 1990 Boston Fed data and Fannie Mae Loan Performance data, we test whether their perceived homosexual status… (More)

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