Identifying possible impediments to fair housing in Tulsa, Oklahoma, using less-than-perfect Home Mortgage Disclosure Act data

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Marvin L. Cooke


Studies that utilize Home Mortgage Disclosure Act (HMDA) data reveal more
problems than they resolve. HMDA data includes limited variables used by lenders. Even when supplemented with additional information, researchers question their results by hypothesizing additional variables that might account for race. Criteria of adequacy for utilizing HMDA data are proposed that are adequate to the planning task of identifying the effects of impediments to fair housing. While HMDA data provides questionable evidence for discrimination, it provides adequate evidence to determine if a minority population experiences impediments to fair housing. A methodology is derived from a literature review.

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