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August 2005

Searching for Age and Gender Discrimination in Mortgage Lending (WP 2005-2)

This publication is part of:

Collection: Economics Working Papers Archive


This paper tests for the presence of age and gender discrimination in the loan underwriting process. We modify the tools used during the past exams to test for racial discrimination and apply them here to test for the presence of disparate treatment on the basis of age and gender. Using HMDA data along with data from 18 fair lending exams recently conducted by the OCC, between 1996-2001, we find no evidence of systematic discrimination on the basis of age or gender. Further, the tools used and tested for in this analysis are now readily available for use in future fair lending exams.


Jason Dietrich and Hannes Johannsson