Asset Building Working Paper

Home Mortgage Lending in St. Louis City: An Analysis of 1992 and 1994 Home Mortgage Disclosure Act Data

This report examines home mortgage lending data in St. Louis City in 1992 and 1994. Our primary purpose is to determine how race, income level and neighborhood location relate to home mortgage loan application denial rates. Overall, it is demonstrated that race, income level and negative neighborhood conditions are predictive of loan denial in St. Louis City. The study begins with an overview of related literature. The second section describes our study, and provides information regarding the data set, our variables and research procedures. Part three is a report of our findings. The final section draws conclusions and suggests implications for social policy.


Scanlon, E., & Emerson, S. (1997). Home mortgage lending in St. Louis City: An analysis of 1992 and 1994 home mortgage disclosure act data (CSD Working Paper No. 97-01). St. Louis, MO: Washington University, Center for Social Development.