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Differential housing prices are central to wealth and ethno-racial inequality. Ample research demonstrates large ethno-racial differences throughout the homeownership market, including assessing housing prices, at both the individual and neighborhood levels. The underlying assumption in most of these studies is that the housing price is defined by either the home’s sales price or a self-assessed home value. However, the ethno-racial stratification structure is unclear when examining appraised home values in the refinance market. This talk draws on the 2018 HMDA dataset to assess variation in ethno-racial disparities in appraised home values among refinanced loan applicants.

The speaker, José Loya, is an assistant professor in urban planning at UCLA’s Luskin School of Public Affairs and faculty affiliate with the Chicano Studies Research Center. His research addresses Latino issues in urban areas by connecting ethno-racial inequality and contextual forces at the neighborhood, metropolitan, and national levels.

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