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The influence of neighborhood-level characteristics on nondisclosure rates after controlling for both individual and institutional measures.
The study found that the geography of nondisclosure coincided with the areas that lacked accurate data for lending research and had a high proportion of African-American neighborhoods. Based on these findings, the study concludes that there is a need for coordinating outreach efforts to publicize the importance of reporting race/ethnicity data to enforce civil rights.
SOURCE: Wyly and Holloway, 2002.
FIGURE 4.1 Share of home mortgage applications in Atlanta, Georgia without race-ethnicity information, 1999. Pattern confirms that nondisclosure rates are highest in predominantly African-American neighborhoods. SOURCE: Wyly and Holloway, 2002.
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