The issue of discrimination directed toward applicants for mortgages who are members of racial-ethnic minority groups has received markedly increased public attention during the 1990s. Various sorts of evidence, including disparities observed in Home Mortgage Disclosure Act (HMDA) data, vignettes of blatant discrimination, a smattering of court cases, pilot studies using paired testers, and multivariate statistical analyses of lenders' loan application files, have combined to paint a convincing picture of the problem (for reviews, see Galster 1992; Cloud and Galster 1993; and Yinger, chapter 2, this volume).
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