2021 Student Research Conference:
34th Annual Student Research Conference

Interest Rate Discrimination Amongst White and Black Home Loan Applicants


Ryan D. Kottmann
Dr. David Gillette, Faculty Mentor

Home ownership in the U.S. has been for a long time a part of the American dream. It is not only a symbol of independence and wealth but a practical investment. Owning a home is a critical part of intergenerational wealth. Due to that fact, it has been historically a reason for socioeconomic troubles that minority communities have and continue to struggle with. Practices like racial covenants and redlining in the 1950s and 1960s have caused long-lasting issues in countless sections of society, especially for Black Americans. Regardless of the 1968 Fair Housing laws, studies have shown that discrimination has and is still occurring. This paper's goal is to look at some of the studies that have been conducted in order to properly understand the discourse on the subject, then use the information to conduct my own study into Missouri housing data and report my results on if blacks are discriminated against in home loan interest rates.

Keywords: interest, rates, black, home, socioeconomic, race, wealth, discrimination


Presentation Type: Asynchronous Virtual Oral Presentation

Session: 13-6
Location: https://flipgrid.com/d0254fde
Time: 0:00

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