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Redlining in Metro Detroit, Dearborn, Livonia

Reveal News has done a good investigation on modern redlining from data gathered from the Home Mortgage Disclosure Act. This is what they do report for the Detroit, Dearborn, Livonia area.

Reveal found evidence suggesting discrimination in the DETROIT-DEARBORN-LIVONIA, MI metro area. In 2016, black applicants were 1.9 times as likely to be denied a conventional home mortgage as white applicants. There weren’t enough conventional loan applications in this metro area from Native American applicants to draw a conclusion. For Asian and Latino applicants, there were enough applications, but other statistical factors made it difficult to draw a conclusion.

Conventional home loans, 2015 and 2016

Race/ethnicity Applications Loans made Denials Other outcome
Total 155 128 (83%) 6 (4%) 21 (14%)
White 125 102 (82%) 6 (5%) 17 (14%)
Race Not Reported 20 19 (95%) 0 1 (5%)
Asian 4 3 (75%) 0 1 (25%)
Latino 4 3 (75%) 0 1 (25%)
Native Hawaiian 2 1 (50%) 0 1 (50%)
Source: Home Mortgage Disclosure Act data

Then when searched for Comerica Bank:

Conventional home loans, 2015 and 2016

Race/ethnicity Applications Loans made Denials Other outcome
Total 154 81 (53%) 50 (33%) 23 (15%)
White 90 54 (60%) 25 (28%) 11 (12%)
Race Not Reported 35 15 (43%) 15 (43%) 5 (14%)
Black 13 4 (31%) 5 (39%) 4 (31%)
Asian 11 7 (64%) 2 (18%) 2 (18%)
Latino 4 1 (25%) 3 (75%) 0
Native American 1 0 0 1 (100%)

COMERICA BK’s share of the Detroit – Dearborn – Livonia, MI metro area

Race/ethnicity Applications Loans made Denials
Total 1% 1% 2%
White 1% 1% 2%
Black 1% < 1% 2%
Asian 1% 1% 2%
Latino 1% < 1% 4%
Native American 3% 0% 0%
Source: Home Mortgage Disclosure Act data

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