Date of Award
Doctor of Philosophy (PhD)
My dissertation aims to expand our understanding of social stratification in the mortgage market post the Great Recession (2010 to 2017) and assesses the relationship between mortgage loan outcomes and interracial couples, Latino racial groups, and the intersection of gender and race/ethnicity. This dissertation draws on annual data from the Home Mortgage Disclosure Act (HMDA) to assess ethno-racial disparities in loan outcomes after the Great Recession. I show in my first paper that the relative social position of Latinos is significantly impacted by the incorporation of interracial couples in the mortgage market. In my second paper, I examine racial stratification among Latino mortgage applicants and compare these borrowers to Non-Latino racial groups. And in my third paper, I show that women of color are especially vulnerable and are severely disadvantaged in the mortgage market. In conclusion, my three papers describe the structural barriers minorities face in the mortgage market as well as the social position of different ethno-racial groups by incorporating interracial couples, Latino racial groups, and the intersection of gender and race/ethnicity.
Loya, Jose Carlos, "Social Stratification In The Mortgage Market Post The Great Recession" (2020). Publicly Accessible Penn Dissertations. 3948.