Ep 02: Mortgage Discrimination with José Loya

Most of us are familiar with how subprime loans were disproportionately (and predatorily) targeted at Black and Latino households during the 2000s housing bubble leading up to the Great Recession. Less well known is that disparate treatment in mortgage lending is making a comeback alongside the recovery of the housing market. José Loya of UCLA joins Shane and Mike to talk about ethnic and racial disparities in access to mortgage credit in the years following the housing crash.

Show notes:

• Loya, J., & Flippen, C. (2020). The Great Recession and Ethno-Racial Disparities in Access to Mortgage Credit. Social Problems.
• Noble, Safiya Umoja. (2018). Algorithms of Oppression: How Search Engines Reinforce Racism. NYU Press. 
• Phillips, Shane. (February 2, 2021). A “Rental Pension” Program to Compete with Homeownership. Better Institutions.
• Phillips, Shane. (March 11, 2021). Renting is Terrible. Owning is Worse. The Atlantic.