Social and Behavioral Sciences Commons^™

A Gateway To Housing Discrimination: A St. Louis Case Study To Identify Home Loan Denial Rates Among Black And White Citizens, Emily Schlichtig

Political Science Undergraduate Honors Theses

This project seeks to investigate residential segregation and the reasons that it still occurs within the United States. The presence of residential segregation demonstrates how the 14^th amendment is being underutilized. Currently, there is a lack of research that points to home loan denial rates among black citizens compared to white citizens as a reason for residential segregation occurring. This paper includes a St. Louis case study to identify home loan denial rates between races and arguments for why those loan denial rates cause residential segregation. The disparities in the loan denial rates do not allow blacks an option …