id	sid	tid	token	lemma	pos
arjefm-95	1	1	american	american	PROPN
arjefm-95	1	2	research	research	PROPN
arjefm-95	1	3	journal	journal	PROPN
arjefm-95	1	4	of	of	ADP
arjefm-95	1	5	economics	economic	NOUN
arjefm-95	1	6	,	,	PUNCT
arjefm-95	1	7	finance	finance	NOUN
arjefm-95	1	8	and	and	CCONJ
arjefm-95	1	9	management	management	NOUN
arjefm-95	1	10	volume	volume	NOUN
arjefm-95	1	11	11	11	NUM
arjefm-95	1	12	issue	issue	NOUN
arjefm-95	1	13	4	4	NUM
arjefm-95	1	14	,	,	PUNCT
arjefm-95	1	15	october	october	PROPN
arjefm-95	1	16	-	-	PUNCT
arjefm-95	1	17	december	december	PROPN
arjefm-95	1	18	2023	2023	NUM
arjefm-95	1	19	issn	issn	NOUN
arjefm-95	1	20	:	:	PUNCT
arjefm-95	1	21	2836	2836	NUM
arjefm-95	1	22	-	-	SYM
arjefm-95	1	23	9416	9416	NUM
arjefm-95	1	24	impact	impact	NOUN
arjefm-95	1	25	factor	factor	NOUN
arjefm-95	1	26	:	:	PUNCT
arjefm-95	1	27	5.57	5.57	NUM
arjefm-95	1	28	journal	journal	NOUN
arjefm-95	1	29	homepage	homepage	NOUN
arjefm-95	1	30	:	:	PUNCT
arjefm-95	1	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	1	32	,	,	PUNCT
arjefm-95	1	33	email	email	NOUN
arjefm-95	1	34	:	:	PUNCT
arjefm-95	1	35	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-95	1	36	official	official	ADJ
arjefm-95	1	37	journal	journal	PROPN
arjefm-95	1	38	of	of	ADP
arjefm-95	1	39	america	america	PROPN
arjefm-95	1	40	serial	serial	PROPN
arjefm-95	1	41	publication	publication	NOUN
arjefm-95	1	42	american	american	PROPN
arjefm-95	1	43	research	research	PROPN
arjefm-95	1	44	journal	journal	PROPN
arjefm-95	1	45	of	of	ADP
arjefm-95	1	46	economics	economic	NOUN
arjefm-95	1	47	,	,	PUNCT
arjefm-95	1	48	finance	finance	NOUN
arjefm-95	1	49	and	and	CCONJ
arjefm-95	1	50	management	management	NOUN
arjefm-95	1	51	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	1	52	,	,	PUNCT
arjefm-95	1	53	email	email	NOUN
arjefm-95	1	54	:	:	PUNCT
arjefm-95	1	55	contact@americaserial.com	contact@americaserial.com	X
arjefm-95	2	1	77	77	NUM
arjefm-95	3	1	|	|	ADV
arjefm-95	3	2	p	p	X
arjefm-95	3	3	a	a	DET
arjefm-95	3	4	g	g	NOUN
arjefm-95	3	5	e	e	NOUN
arjefm-95	3	6	investigating	investigate	VERB
arjefm-95	3	7	racial	racial	ADJ
arjefm-95	3	8	/	/	SYM
arjefm-95	3	9	ethnic	ethnic	ADJ
arjefm-95	3	10	disparities	disparity	NOUN
arjefm-95	3	11	in	in	ADP
arjefm-95	3	12	loan	loan	NOUN
arjefm-95	3	13	approval	approval	NOUN
arjefm-95	3	14	:	:	PUNCT
arjefm-95	3	15	a	a	DET
arjefm-95	3	16	mississippi	mississippi	PROPN
arjefm-95	3	17	perspective	perspective	PROPN
arjefm-95	3	18	dr	dr	PROPN
arjefm-95	3	19	.	.	PROPN
arjefm-95	3	20	james	james	PROPN
arjefm-95	3	21	a.	a.	PROPN
arjefm-95	3	22	smith	smith	PROPN
arjefm-95	3	23	,	,	PUNCT
arjefm-95	3	24	and	and	CCONJ
arjefm-95	3	25	dr	dr	PROPN
arjefm-95	3	26	.	.	PROPN
arjefm-95	3	27	gail	gail	PROPN
arjefm-95	3	28	g.	g.	PROPN
arjefm-95	3	29	fulgham	fulgham	PROPN
arjefm-95	3	30	,	,	PUNCT
arjefm-95	3	31	professor	professor	NOUN
arjefm-95	3	32	of	of	ADP
arjefm-95	3	33	economics	economic	NOUN
arjefm-95	3	34	,	,	PUNCT
arjefm-95	3	35	jackson	jackson	PROPN
arjefm-95	3	36	state	state	PROPN
arjefm-95	3	37	university	university	PROPN
arjefm-95	3	38	abstract	abstract	NOUN
arjefm-95	3	39	:	:	PUNCT
arjefm-95	3	40	discrimination	discrimination	NOUN
arjefm-95	3	41	in	in	ADP
arjefm-95	3	42	homeownership	homeownership	NOUN
arjefm-95	3	43	access	access	NOUN
arjefm-95	3	44	has	have	AUX
arjefm-95	3	45	long	long	ADV
arjefm-95	3	46	hindered	hinder	VERB
arjefm-95	3	47	minority	minority	NOUN
arjefm-95	3	48	populations	population	NOUN
arjefm-95	3	49	,	,	PUNCT
arjefm-95	3	50	particularly	particularly	ADV
arjefm-95	3	51	african	african	ADJ
arjefm-95	3	52	americans	americans	PROPN
arjefm-95	3	53	,	,	PUNCT
arjefm-95	3	54	from	from	ADP
arjefm-95	3	55	accumulating	accumulate	VERB
arjefm-95	3	56	wealth	wealth	NOUN
arjefm-95	3	57	through	through	ADP
arjefm-95	3	58	housing	housing	NOUN
arjefm-95	3	59	investments	investment	NOUN
arjefm-95	3	60	.	.	PUNCT
arjefm-95	4	1	this	this	DET
arjefm-95	4	2	study	study	NOUN
arjefm-95	4	3	delves	delve	VERB
arjefm-95	4	4	into	into	ADP
arjefm-95	4	5	the	the	DET
arjefm-95	4	6	pervasive	pervasive	ADJ
arjefm-95	4	7	issue	issue	NOUN
arjefm-95	4	8	of	of	ADP
arjefm-95	4	9	discrimination	discrimination	NOUN
arjefm-95	4	10	in	in	ADP
arjefm-95	4	11	american	american	ADJ
arjefm-95	4	12	society	society	NOUN
arjefm-95	4	13	,	,	PUNCT
arjefm-95	4	14	which	which	PRON
arjefm-95	4	15	denies	deny	VERB
arjefm-95	4	16	certain	certain	ADJ
arjefm-95	4	17	social	social	ADJ
arjefm-95	4	18	groups	group	NOUN
arjefm-95	4	19	the	the	DET
arjefm-95	4	20	privileges	privilege	NOUN
arjefm-95	4	21	enjoyed	enjoy	VERB
arjefm-95	4	22	by	by	ADP
arjefm-95	4	23	others	other	NOUN
arjefm-95	4	24	.	.	PUNCT
arjefm-95	5	1	this	this	DET
arjefm-95	5	2	discrimination	discrimination	NOUN
arjefm-95	5	3	,	,	PUNCT
arjefm-95	5	4	rooted	root	VERB
arjefm-95	5	5	in	in	ADP
arjefm-95	5	6	various	various	ADJ
arjefm-95	5	7	factors	factor	NOUN
arjefm-95	5	8	such	such	ADJ
arjefm-95	5	9	as	as	ADP
arjefm-95	5	10	race	race	NOUN
arjefm-95	5	11	,	,	PUNCT
arjefm-95	5	12	ethnicity	ethnicity	NOUN
arjefm-95	5	13	,	,	PUNCT
arjefm-95	5	14	religion	religion	NOUN
arjefm-95	5	15	,	,	PUNCT
arjefm-95	5	16	gender	gender	NOUN
arjefm-95	5	17	,	,	PUNCT
arjefm-95	5	18	and	and	CCONJ
arjefm-95	5	19	more	more	ADV
arjefm-95	5	20	,	,	PUNCT
arjefm-95	5	21	permeates	permeate	VERB
arjefm-95	5	22	multiple	multiple	ADJ
arjefm-95	5	23	facets	facet	NOUN
arjefm-95	5	24	of	of	ADP
arjefm-95	5	25	american	american	ADJ
arjefm-95	5	26	life	life	NOUN
arjefm-95	5	27	,	,	PUNCT
arjefm-95	5	28	including	include	VERB
arjefm-95	5	29	education	education	NOUN
arjefm-95	5	30	,	,	PUNCT
arjefm-95	5	31	political	political	ADJ
arjefm-95	5	32	participation	participation	NOUN
arjefm-95	5	33	,	,	PUNCT
arjefm-95	5	34	employment	employment	NOUN
arjefm-95	5	35	,	,	PUNCT
arjefm-95	5	36	and	and	CCONJ
arjefm-95	5	37	housing	housing	NOUN
arjefm-95	5	38	.	.	PUNCT
arjefm-95	6	1	as	as	ADP
arjefm-95	6	2	a	a	DET
arjefm-95	6	3	consequence	consequence	NOUN
arjefm-95	6	4	,	,	PUNCT
arjefm-95	6	5	the	the	DET
arjefm-95	6	6	quintessential	quintessential	ADJ
arjefm-95	6	7	"	"	PUNCT
arjefm-95	6	8	american	american	ADJ
arjefm-95	6	9	dream	dream	NOUN
arjefm-95	6	10	"	"	PUNCT
arjefm-95	6	11	remains	remain	VERB
arjefm-95	6	12	elusive	elusive	ADJ
arjefm-95	6	13	for	for	ADP
arjefm-95	6	14	many	many	ADJ
arjefm-95	6	15	citizens	citizen	NOUN
arjefm-95	6	16	through	through	ADP
arjefm-95	6	17	no	no	DET
arjefm-95	6	18	fault	fault	NOUN
arjefm-95	6	19	of	of	ADP
arjefm-95	6	20	their	their	PRON
arjefm-95	6	21	own	own	ADJ
arjefm-95	6	22	,	,	PUNCT
arjefm-95	6	23	making	make	VERB
arjefm-95	6	24	the	the	DET
arjefm-95	6	25	prospect	prospect	NOUN
arjefm-95	6	26	of	of	ADP
arjefm-95	6	27	purchasing	purchase	VERB
arjefm-95	6	28	a	a	DET
arjefm-95	6	29	home	home	NOUN
arjefm-95	6	30	in	in	ADP
arjefm-95	6	31	a	a	DET
arjefm-95	6	32	desirable	desirable	ADJ
arjefm-95	6	33	location	location	NOUN
arjefm-95	6	34	or	or	CCONJ
arjefm-95	6	35	neighborhood	neighborhood	NOUN
arjefm-95	6	36	an	an	DET
arjefm-95	6	37	uphill	uphill	ADJ
arjefm-95	6	38	battle	battle	NOUN
arjefm-95	6	39	.	.	PUNCT
arjefm-95	7	1	this	this	DET
arjefm-95	7	2	research	research	NOUN
arjefm-95	7	3	investigates	investigate	VERB
arjefm-95	7	4	how	how	SCONJ
arjefm-95	7	5	institutions	institution	NOUN
arjefm-95	7	6	controlled	control	VERB
arjefm-95	7	7	by	by	ADP
arjefm-95	7	8	privileged	privileged	ADJ
arjefm-95	7	9	groups	group	NOUN
arjefm-95	7	10	perpetuate	perpetuate	VERB
arjefm-95	7	11	this	this	DET
arjefm-95	7	12	discriminatory	discriminatory	ADJ
arjefm-95	7	13	practice	practice	NOUN
arjefm-95	7	14	and	and	CCONJ
arjefm-95	7	15	its	its	PRON
arjefm-95	7	16	farreaching	farreache	VERB
arjefm-95	7	17	implications	implication	NOUN
arjefm-95	7	18	on	on	ADP
arjefm-95	7	19	wealth	wealth	NOUN
arjefm-95	7	20	accumulation	accumulation	NOUN
arjefm-95	7	21	.	.	PUNCT
arjefm-95	8	1	keywords	keyword	NOUN
arjefm-95	8	2	:	:	PUNCT
arjefm-95	8	3	discrimination	discrimination	NOUN
arjefm-95	8	4	,	,	PUNCT
arjefm-95	8	5	homeownership	homeownership	NOUN
arjefm-95	8	6	,	,	PUNCT
arjefm-95	8	7	wealth	wealth	NOUN
arjefm-95	8	8	inequality	inequality	NOUN
arjefm-95	8	9	,	,	PUNCT
arjefm-95	8	10	minority	minority	NOUN
arjefm-95	8	11	populations	population	NOUN
arjefm-95	8	12	,	,	PUNCT
arjefm-95	8	13	access	access	NOUN
arjefm-95	8	14	to	to	ADP
arjefm-95	8	15	housing	housing	NOUN
arjefm-95	8	16	introduction	introduction	NOUN
arjefm-95	8	17	homeownership	homeownership	NOUN
arjefm-95	8	18	is	be	AUX
arjefm-95	8	19	one	one	NUM
arjefm-95	8	20	of	of	ADP
arjefm-95	8	21	the	the	DET
arjefm-95	8	22	major	major	ADJ
arjefm-95	8	23	sources	source	NOUN
arjefm-95	8	24	of	of	ADP
arjefm-95	8	25	wealth	wealth	NOUN
arjefm-95	8	26	for	for	ADP
arjefm-95	8	27	american	american	ADJ
arjefm-95	8	28	families	family	NOUN
arjefm-95	8	29	.	.	PUNCT
arjefm-95	9	1	however	however	ADV
arjefm-95	9	2	,	,	PUNCT
arjefm-95	9	3	the	the	DET
arjefm-95	9	4	lack	lack	NOUN
arjefm-95	9	5	of	of	ADP
arjefm-95	9	6	access	access	NOUN
arjefm-95	9	7	for	for	ADP
arjefm-95	9	8	minority	minority	NOUN
arjefm-95	9	9	populations	population	NOUN
arjefm-95	9	10	and	and	CCONJ
arjefm-95	9	11	especially	especially	ADV
arjefm-95	9	12	african	african	ADJ
arjefm-95	9	13	americas	america	NOUN
arjefm-95	9	14	to	to	ADP
arjefm-95	9	15	loan	loan	NOUN
arjefm-95	9	16	approvals	approval	NOUN
arjefm-95	9	17	for	for	ADP
arjefm-95	9	18	housing	housing	NOUN
arjefm-95	9	19	purchases	purchase	NOUN
arjefm-95	9	20	have	have	AUX
arjefm-95	9	21	limited	limit	VERB
arjefm-95	9	22	their	their	PRON
arjefm-95	9	23	ability	ability	NOUN
arjefm-95	9	24	to	to	PART
arjefm-95	9	25	accumulate	accumulate	VERB
arjefm-95	9	26	wealth	wealth	NOUN
arjefm-95	9	27	from	from	ADP
arjefm-95	9	28	the	the	DET
arjefm-95	9	29	housing	housing	NOUN
arjefm-95	9	30	stock	stock	NOUN
arjefm-95	9	31	.	.	PUNCT
arjefm-95	10	1	the	the	DET
arjefm-95	10	2	issue	issue	NOUN
arjefm-95	10	3	of	of	ADP
arjefm-95	10	4	discrimination	discrimination	NOUN
arjefm-95	10	5	has	have	AUX
arjefm-95	10	6	been	be	AUX
arjefm-95	10	7	a	a	DET
arjefm-95	10	8	prevalent	prevalent	ADJ
arjefm-95	10	9	and	and	CCONJ
arjefm-95	10	10	highly	highly	ADV
arjefm-95	10	11	debated	debate	VERB
arjefm-95	10	12	topic	topic	NOUN
arjefm-95	10	13	in	in	ADP
arjefm-95	10	14	american	american	PROPN
arjefm-95	10	15	socio	socio	NOUN
arjefm-95	10	16	-	-	PUNCT
arjefm-95	10	17	economic	economic	ADJ
arjefm-95	10	18	literature	literature	NOUN
arjefm-95	10	19	.	.	PUNCT
arjefm-95	11	1	discrimination	discrimination	NOUN
arjefm-95	11	2	occurs	occur	VERB
arjefm-95	11	3	when	when	SCONJ
arjefm-95	11	4	there	there	PRON
arjefm-95	11	5	is	be	VERB
arjefm-95	11	6	evidence	evidence	NOUN
arjefm-95	11	7	that	that	SCONJ
arjefm-95	11	8	certain	certain	ADJ
arjefm-95	11	9	social	social	ADJ
arjefm-95	11	10	groups	group	NOUN
arjefm-95	11	11	are	be	AUX
arjefm-95	11	12	denied	deny	VERB
arjefm-95	11	13	benefits	benefit	NOUN
arjefm-95	11	14	naturally	naturally	ADV
arjefm-95	11	15	extended	extend	VERB
arjefm-95	11	16	to	to	ADP
arjefm-95	11	17	other	other	ADJ
arjefm-95	11	18	privileged	privileged	ADJ
arjefm-95	11	19	groups	group	NOUN
arjefm-95	11	20	.	.	PUNCT
arjefm-95	12	1	it	it	PRON
arjefm-95	12	2	may	may	AUX
arjefm-95	12	3	be	be	AUX
arjefm-95	12	4	based	base	VERB
arjefm-95	12	5	on	on	ADP
arjefm-95	12	6	religion	religion	NOUN
arjefm-95	12	7	,	,	PUNCT
arjefm-95	12	8	gender	gender	NOUN
arjefm-95	12	9	,	,	PUNCT
arjefm-95	12	10	sexuality	sexuality	NOUN
arjefm-95	12	11	,	,	PUNCT
arjefm-95	12	12	race	race	NOUN
arjefm-95	12	13	,	,	PUNCT
arjefm-95	12	14	ethnicity	ethnicity	NOUN
arjefm-95	12	15	or	or	CCONJ
arjefm-95	12	16	other	other	ADJ
arjefm-95	12	17	factors	factor	NOUN
arjefm-95	12	18	.	.	PUNCT
arjefm-95	13	1	the	the	DET
arjefm-95	13	2	practice	practice	NOUN
arjefm-95	13	3	of	of	ADP
arjefm-95	13	4	discrimination	discrimination	NOUN
arjefm-95	13	5	affects	affect	VERB
arjefm-95	13	6	numerous	numerous	ADJ
arjefm-95	13	7	aspects	aspect	NOUN
arjefm-95	13	8	of	of	ADP
arjefm-95	13	9	american	american	ADJ
arjefm-95	13	10	life	life	NOUN
arjefm-95	13	11	,	,	PUNCT
arjefm-95	13	12	ranging	range	VERB
arjefm-95	13	13	from	from	ADP
arjefm-95	13	14	education	education	NOUN
arjefm-95	13	15	to	to	ADP
arjefm-95	13	16	political	political	ADJ
arjefm-95	13	17	participation	participation	NOUN
arjefm-95	13	18	,	,	PUNCT
arjefm-95	13	19	to	to	ADP
arjefm-95	13	20	employment	employment	NOUN
arjefm-95	13	21	and	and	CCONJ
arjefm-95	13	22	housing	housing	NOUN
arjefm-95	13	23	.	.	PUNCT
arjefm-95	14	1	as	as	ADP
arjefm-95	14	2	a	a	DET
arjefm-95	14	3	result	result	NOUN
arjefm-95	14	4	,	,	PUNCT
arjefm-95	14	5	the	the	DET
arjefm-95	14	6	pursuit	pursuit	NOUN
arjefm-95	14	7	and	and	CCONJ
arjefm-95	14	8	achievement	achievement	NOUN
arjefm-95	14	9	of	of	ADP
arjefm-95	14	10	the	the	DET
arjefm-95	14	11	“	"	PUNCT
arjefm-95	14	12	american	american	ADJ
arjefm-95	14	13	dream	dream	NOUN
arjefm-95	14	14	”	"	PUNCT
arjefm-95	14	15	may	may	AUX
arjefm-95	14	16	be	be	AUX
arjefm-95	14	17	out	out	ADP
arjefm-95	14	18	of	of	ADP
arjefm-95	14	19	reach	reach	NOUN
arjefm-95	14	20	for	for	ADP
arjefm-95	14	21	many	many	ADJ
arjefm-95	14	22	american	american	ADJ
arjefm-95	14	23	citizens	citizen	NOUN
arjefm-95	14	24	through	through	ADP
arjefm-95	14	25	no	no	DET
arjefm-95	14	26	fault	fault	NOUN
arjefm-95	14	27	of	of	ADP
arjefm-95	14	28	their	their	PRON
arjefm-95	14	29	own	own	ADJ
arjefm-95	14	30	.	.	PUNCT
arjefm-95	15	1	for	for	ADP
arjefm-95	15	2	many	many	ADJ
arjefm-95	15	3	individuals	individual	NOUN
arjefm-95	15	4	,	,	PUNCT
arjefm-95	15	5	the	the	DET
arjefm-95	15	6	simple	simple	ADJ
arjefm-95	15	7	notion	notion	NOUN
arjefm-95	15	8	of	of	ADP
arjefm-95	15	9	purchasing	purchase	VERB
arjefm-95	15	10	a	a	DET
arjefm-95	15	11	home	home	NOUN
arjefm-95	15	12	in	in	ADP
arjefm-95	15	13	a	a	DET
arjefm-95	15	14	desirable	desirable	ADJ
arjefm-95	15	15	location	location	NOUN
arjefm-95	15	16	or	or	CCONJ
arjefm-95	15	17	neighborhood	neighborhood	NOUN
arjefm-95	15	18	can	can	AUX
arjefm-95	15	19	be	be	AUX
arjefm-95	15	20	an	an	DET
arjefm-95	15	21	uphill	uphill	ADJ
arjefm-95	15	22	task	task	NOUN
arjefm-95	15	23	.	.	PUNCT
arjefm-95	16	1	institutions	institution	NOUN
arjefm-95	16	2	controlled	control	VERB
arjefm-95	16	3	by	by	ADP
arjefm-95	16	4	the	the	DET
arjefm-95	16	5	privileged	privileged	ADJ
arjefm-95	16	6	class	class	NOUN
arjefm-95	16	7	are	be	AUX
arjefm-95	16	8	usually	usually	ADV
arjefm-95	16	9	manipulated	manipulate	VERB
arjefm-95	16	10	to	to	PART
arjefm-95	16	11	deny	deny	VERB
arjefm-95	16	12	access	access	NOUN
arjefm-95	16	13	to	to	ADP
arjefm-95	16	14	the	the	DET
arjefm-95	16	15	other	other	ADJ
arjefm-95	16	16	groups	group	NOUN
arjefm-95	16	17	.	.	PUNCT
arjefm-95	17	1	in	in	ADP
arjefm-95	17	2	the	the	DET
arjefm-95	17	3	housing	housing	NOUN
arjefm-95	17	4	industry	industry	NOUN
arjefm-95	17	5	,	,	PUNCT
arjefm-95	17	6	in	in	ADP
arjefm-95	17	7	particular	particular	ADJ
arjefm-95	17	8	,	,	PUNCT
arjefm-95	17	9	banking	banking	NOUN
arjefm-95	17	10	laws	law	NOUN
arjefm-95	17	11	and	and	CCONJ
arjefm-95	17	12	processes	process	NOUN
arjefm-95	17	13	are	be	AUX
arjefm-95	17	14	sometimes	sometimes	ADV
arjefm-95	17	15	violated	violate	VERB
arjefm-95	17	16	to	to	PART
arjefm-95	17	17	deny	deny	VERB
arjefm-95	17	18	prospective	prospective	ADJ
arjefm-95	17	19	buyers	buyer	NOUN
arjefm-95	17	20	access	access	NOUN
arjefm-95	17	21	to	to	ADP
arjefm-95	17	22	funds	fund	NOUN
arjefm-95	17	23	necessary	necessary	ADJ
arjefm-95	17	24	to	to	PART
arjefm-95	17	25	acquire	acquire	VERB
arjefm-95	17	26	desirable	desirable	ADJ
arjefm-95	17	27	properties	property	NOUN
arjefm-95	17	28	.	.	PUNCT
arjefm-95	18	1	historically	historically	ADV
arjefm-95	18	2	,	,	PUNCT
arjefm-95	18	3	the	the	DET
arjefm-95	18	4	southern	southern	ADJ
arjefm-95	18	5	region	region	NOUN
arjefm-95	18	6	of	of	ADP
arjefm-95	18	7	the	the	DET
arjefm-95	18	8	united	united	PROPN
arjefm-95	18	9	states	states	PROPN
arjefm-95	18	10	has	have	AUX
arjefm-95	18	11	been	be	AUX
arjefm-95	18	12	plagued	plague	VERB
arjefm-95	18	13	by	by	ADP
arjefm-95	18	14	numerous	numerous	ADJ
arjefm-95	18	15	incidents	incident	NOUN
arjefm-95	18	16	of	of	ADP
arjefm-95	18	17	discrimination	discrimination	NOUN
arjefm-95	18	18	.	.	PUNCT
arjefm-95	19	1	the	the	DET
arjefm-95	19	2	state	state	NOUN
arjefm-95	19	3	of	of	ADP
arjefm-95	19	4	mississippi	mississippi	PROPN
arjefm-95	19	5	has	have	AUX
arjefm-95	19	6	often	often	ADV
arjefm-95	19	7	been	be	AUX
arjefm-95	19	8	cited	cite	VERB
arjefm-95	19	9	as	as	ADP
arjefm-95	19	10	one	one	NUM
arjefm-95	19	11	of	of	ADP
arjefm-95	19	12	those	those	DET
arjefm-95	19	13	southern	southern	ADJ
arjefm-95	19	14	states	state	NOUN
arjefm-95	19	15	where	where	SCONJ
arjefm-95	19	16	the	the	DET
arjefm-95	19	17	practice	practice	NOUN
arjefm-95	19	18	of	of	ADP
arjefm-95	19	19	discrimination	discrimination	NOUN
arjefm-95	19	20	is	be	AUX
arjefm-95	19	21	still	still	ADV
arjefm-95	19	22	rampant	rampant	ADJ
arjefm-95	19	23	.	.	PUNCT
arjefm-95	20	1	thus	thus	ADV
arjefm-95	20	2	,	,	PUNCT
arjefm-95	20	3	several	several	ADJ
arjefm-95	20	4	mississippi	mississippi	NOUN
arjefm-95	20	5	banks	bank	NOUN
arjefm-95	20	6	have	have	AUX
arjefm-95	20	7	been	be	AUX
arjefm-95	20	8	investigated	investigate	VERB
arjefm-95	20	9	and	and	CCONJ
arjefm-95	20	10	sanctioned	sanction	VERB
arjefm-95	20	11	by	by	ADP
arjefm-95	20	12	the	the	DET
arjefm-95	20	13	united	united	PROPN
arjefm-95	20	14	states	states	PROPN
arjefm-95	20	15	department	department	PROPN
arjefm-95	20	16	of	of	ADP
arjefm-95	20	17	justice	justice	NOUN
arjefm-95	20	18	for	for	ADP
arjefm-95	20	19	violations	violation	NOUN
arjefm-95	20	20	of	of	ADP
arjefm-95	20	21	the	the	DET
arjefm-95	20	22	community	community	NOUN
arjefm-95	20	23	reinvestment	reinvestment	NOUN
arjefm-95	20	24	act	act	NOUN
arjefm-95	20	25	(	(	PUNCT
arjefm-95	20	26	cra	cra	PROPN
arjefm-95	20	27	)	)	PUNCT
arjefm-95	20	28	and	and	CCONJ
arjefm-95	20	29	for	for	ADP
arjefm-95	20	30	unfair	unfair	ADJ
arjefm-95	20	31	banking	banking	NOUN
arjefm-95	20	32	practices	practice	NOUN
arjefm-95	20	33	.	.	PUNCT
arjefm-95	21	1	generally	generally	ADV
arjefm-95	21	2	,	,	PUNCT
arjefm-95	21	3	eligibility	eligibility	NOUN
arjefm-95	21	4	for	for	ADP
arjefm-95	21	5	loan	loan	NOUN
arjefm-95	21	6	financing	financing	NOUN
arjefm-95	21	7	requires	require	VERB
arjefm-95	21	8	that	that	SCONJ
arjefm-95	21	9	borrowers	borrower	NOUN
arjefm-95	21	10	meet	meet	VERB
arjefm-95	21	11	requirements	requirement	NOUN
arjefm-95	21	12	of	of	ADP
arjefm-95	21	13	credit	credit	NOUN
arjefm-95	21	14	worthiness	worthiness	NOUN
arjefm-95	21	15	and	and	CCONJ
arjefm-95	21	16	ability	ability	NOUN
arjefm-95	21	17	to	to	PART
arjefm-95	21	18	pay	pay	VERB
arjefm-95	21	19	,	,	PUNCT
arjefm-95	21	20	regardless	regardless	ADV
arjefm-95	21	21	of	of	ADP
arjefm-95	21	22	race	race	NOUN
arjefm-95	21	23	,	,	PUNCT
arjefm-95	21	24	ethnicity	ethnicity	NOUN
arjefm-95	21	25	,	,	PUNCT
arjefm-95	21	26	gender	gender	NOUN
arjefm-95	21	27	and	and	CCONJ
arjefm-95	21	28	religion	religion	NOUN
arjefm-95	21	29	.	.	PUNCT
arjefm-95	22	1	according	accord	VERB
arjefm-95	22	2	to	to	ADP
arjefm-95	22	3	the	the	DET
arjefm-95	22	4	u.s	u.s	PROPN
arjefm-95	22	5	.	.	PROPN
arjefm-95	22	6	census	census	PROPN
arjefm-95	22	7	bureau	bureau	PROPN
arjefm-95	22	8	,	,	PUNCT
arjefm-95	22	9	between	between	ADP
arjefm-95	22	10	1994	1994	NUM
arjefm-95	22	11	and	and	CCONJ
arjefm-95	22	12	2013	2013	NUM
arjefm-95	22	13	,	,	PUNCT
arjefm-95	22	14	home	home	NOUN
arjefm-95	22	15	ownership	ownership	NOUN
arjefm-95	22	16	among	among	ADP
arjefm-95	22	17	u.s	u.s	PROPN
arjefm-95	22	18	.	.	PROPN
arjefm-95	22	19	families	family	NOUN
arjefm-95	22	20	rose	rise	VERB
arjefm-95	22	21	from	from	ADP
arjefm-95	22	22	63.9	63.9	NUM
arjefm-95	22	23	%	%	NOUN
arjefm-95	22	24	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-95	22	25	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	22	26	american	american	PROPN
arjefm-95	22	27	research	research	PROPN
arjefm-95	22	28	journal	journal	PROPN
arjefm-95	22	29	of	of	ADP
arjefm-95	22	30	economics	economic	NOUN
arjefm-95	22	31	,	,	PUNCT
arjefm-95	22	32	finance	finance	NOUN
arjefm-95	22	33	and	and	CCONJ
arjefm-95	22	34	management	management	NOUN
arjefm-95	22	35	volume	volume	NOUN
arjefm-95	22	36	11	11	NUM
arjefm-95	22	37	issue	issue	NOUN
arjefm-95	22	38	4	4	NUM
arjefm-95	22	39	,	,	PUNCT
arjefm-95	22	40	october	october	PROPN
arjefm-95	22	41	-	-	PUNCT
arjefm-95	22	42	december	december	PROPN
arjefm-95	22	43	2023	2023	NUM
arjefm-95	22	44	issn	issn	NOUN
arjefm-95	22	45	:	:	PUNCT
arjefm-95	22	46	2836	2836	NUM
arjefm-95	22	47	-	-	SYM
arjefm-95	22	48	9416	9416	NUM
arjefm-95	22	49	impact	impact	NOUN
arjefm-95	22	50	factor	factor	NOUN
arjefm-95	22	51	:	:	PUNCT
arjefm-95	22	52	5.57	5.57	NUM
arjefm-95	22	53	journal	journal	NOUN
arjefm-95	22	54	homepage	homepage	NOUN
arjefm-95	22	55	:	:	PUNCT
arjefm-95	22	56	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	22	57	,	,	PUNCT
arjefm-95	22	58	email	email	NOUN
arjefm-95	22	59	:	:	PUNCT
arjefm-95	22	60	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-95	22	61	official	official	ADJ
arjefm-95	22	62	journal	journal	PROPN
arjefm-95	22	63	of	of	ADP
arjefm-95	22	64	america	america	PROPN
arjefm-95	22	65	serial	serial	PROPN
arjefm-95	22	66	publication	publication	NOUN
arjefm-95	22	67	american	american	PROPN
arjefm-95	22	68	research	research	PROPN
arjefm-95	22	69	journal	journal	PROPN
arjefm-95	22	70	of	of	ADP
arjefm-95	22	71	economics	economic	NOUN
arjefm-95	22	72	,	,	PUNCT
arjefm-95	22	73	finance	finance	NOUN
arjefm-95	22	74	and	and	CCONJ
arjefm-95	22	75	management	management	NOUN
arjefm-95	22	76	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	22	77	,	,	PUNCT
arjefm-95	22	78	email	email	NOUN
arjefm-95	22	79	:	:	PUNCT
arjefm-95	22	80	contact@americaserial.com	contact@americaserial.com	X
arjefm-95	23	1	78	78	NUM
arjefm-95	24	1	|	|	ADV
arjefm-95	24	2	p	p	X
arjefm-95	24	3	a	a	DET
arjefm-95	24	4	g	g	NOUN
arjefm-95	24	5	e	e	NOUN
arjefm-95	24	6	in	in	ADP
arjefm-95	24	7	1994	1994	NUM
arjefm-95	24	8	to	to	ADP
arjefm-95	24	9	65.1	65.1	NUM
arjefm-95	24	10	%	%	NOUN
arjefm-95	24	11	in	in	ADP
arjefm-95	24	12	2013	2013	NUM
arjefm-95	24	13	.	.	PUNCT
arjefm-95	25	1	however	however	ADV
arjefm-95	25	2	,	,	PUNCT
arjefm-95	25	3	when	when	SCONJ
arjefm-95	25	4	taking	take	VERB
arjefm-95	25	5	race	race	NOUN
arjefm-95	25	6	into	into	ADP
arjefm-95	25	7	account	account	NOUN
arjefm-95	25	8	,	,	PUNCT
arjefm-95	25	9	the	the	DET
arjefm-95	25	10	rates	rate	NOUN
arjefm-95	25	11	of	of	ADP
arjefm-95	25	12	increase	increase	NOUN
arjefm-95	25	13	in	in	ADP
arjefm-95	25	14	home	home	NOUN
arjefm-95	25	15	ownership	ownership	NOUN
arjefm-95	25	16	revealed	reveal	VERB
arjefm-95	25	17	some	some	DET
arjefm-95	25	18	distinct	distinct	ADJ
arjefm-95	25	19	disparities	disparity	NOUN
arjefm-95	25	20	.	.	PUNCT
arjefm-95	26	1	home	home	NOUN
arjefm-95	26	2	ownership	ownership	NOUN
arjefm-95	26	3	rates	rate	NOUN
arjefm-95	26	4	among	among	ADP
arjefm-95	26	5	black	black	ADJ
arjefm-95	26	6	families	family	NOUN
arjefm-95	26	7	rose	rise	VERB
arjefm-95	26	8	by	by	ADP
arjefm-95	26	9	1.89	1.89	NUM
arjefm-95	26	10	%	%	NOUN
arjefm-95	26	11	,	,	PUNCT
arjefm-95	26	12	from	from	ADP
arjefm-95	26	13	42.3	42.3	NUM
arjefm-95	26	14	%	%	NOUN
arjefm-95	26	15	to	to	ADP
arjefm-95	26	16	43.1	43.1	NUM
arjefm-95	26	17	%	%	NOUN
arjefm-95	26	18	between	between	ADP
arjefm-95	26	19	1994	1994	NUM
arjefm-95	26	20	and	and	CCONJ
arjefm-95	26	21	2013	2013	NUM
arjefm-95	26	22	.	.	PUNCT
arjefm-95	27	1	hispanic	hispanic	ADJ
arjefm-95	27	2	families	family	NOUN
arjefm-95	27	3	saw	see	VERB
arjefm-95	27	4	an	an	DET
arjefm-95	27	5	11.89	11.89	NUM
arjefm-95	27	6	%	%	NOUN
arjefm-95	27	7	increase	increase	NOUN
arjefm-95	27	8	,	,	PUNCT
arjefm-95	27	9	from	from	ADP
arjefm-95	27	10	41.2	41.2	NUM
arjefm-95	27	11	%	%	NOUN
arjefm-95	27	12	to	to	ADP
arjefm-95	27	13	46.1	46.1	NUM
arjefm-95	27	14	%	%	NOUN
arjefm-95	27	15	over	over	ADP
arjefm-95	27	16	the	the	DET
arjefm-95	27	17	same	same	ADJ
arjefm-95	27	18	period	period	NOUN
arjefm-95	27	19	.	.	PUNCT
arjefm-95	28	1	while	while	SCONJ
arjefm-95	28	2	white	white	ADJ
arjefm-95	28	3	families	family	NOUN
arjefm-95	28	4	experienced	experience	VERB
arjefm-95	28	5	an	an	DET
arjefm-95	28	6	increase	increase	NOUN
arjefm-95	28	7	of	of	ADP
arjefm-95	28	8	4.8	4.8	NUM
arjefm-95	28	9	%	%	NOUN
arjefm-95	28	10	,	,	PUNCT
arjefm-95	28	11	from	from	ADP
arjefm-95	28	12	70	70	NUM
arjefm-95	28	13	%	%	NOUN
arjefm-95	28	14	to	to	ADP
arjefm-95	28	15	73.35	73.35	NUM
arjefm-95	28	16	%	%	NOUN
arjefm-95	28	17	.	.	PUNCT
arjefm-95	29	1	in	in	ADP
arjefm-95	29	2	absolute	absolute	ADJ
arjefm-95	29	3	terms	term	NOUN
arjefm-95	29	4	,	,	PUNCT
arjefm-95	29	5	the	the	DET
arjefm-95	29	6	2013	2013	NUM
arjefm-95	29	7	census	census	NOUN
arjefm-95	29	8	data	datum	NOUN
arjefm-95	29	9	reveal	reveal	VERB
arjefm-95	29	10	ownership	ownership	NOUN
arjefm-95	29	11	rates	rate	NOUN
arjefm-95	29	12	of	of	ADP
arjefm-95	29	13	73.35	73.35	NUM
arjefm-95	29	14	%	%	NOUN
arjefm-95	29	15	for	for	ADP
arjefm-95	29	16	white	white	ADJ
arjefm-95	29	17	households	household	NOUN
arjefm-95	29	18	,	,	PUNCT
arjefm-95	29	19	43.1	43.1	NUM
arjefm-95	29	20	%	%	NOUN
arjefm-95	29	21	for	for	ADP
arjefm-95	29	22	blacks	black	NOUN
arjefm-95	29	23	or	or	CCONJ
arjefm-95	29	24	african	african	ADJ
arjefm-95	29	25	americans	americans	PROPN
arjefm-95	29	26	,	,	PUNCT
arjefm-95	29	27	and	and	CCONJ
arjefm-95	29	28	46.1	46.1	NUM
arjefm-95	29	29	%	%	NOUN
arjefm-95	29	30	for	for	ADP
arjefm-95	29	31	hispanics	hispanic	NOUN
arjefm-95	29	32	.	.	PUNCT
arjefm-95	30	1	the	the	DET
arjefm-95	30	2	appreciable	appreciable	ADJ
arjefm-95	30	3	increase	increase	NOUN
arjefm-95	30	4	in	in	ADP
arjefm-95	30	5	home	home	NOUN
arjefm-95	30	6	ownership	ownership	NOUN
arjefm-95	30	7	for	for	ADP
arjefm-95	30	8	hispanics	hispanic	NOUN
arjefm-95	30	9	over	over	ADP
arjefm-95	30	10	that	that	DET
arjefm-95	30	11	period	period	NOUN
arjefm-95	30	12	may	may	AUX
arjefm-95	30	13	be	be	AUX
arjefm-95	30	14	attributed	attribute	VERB
arjefm-95	30	15	to	to	ADP
arjefm-95	30	16	the	the	DET
arjefm-95	30	17	significant	significant	ADJ
arjefm-95	30	18	increase	increase	NOUN
arjefm-95	30	19	in	in	ADP
arjefm-95	30	20	the	the	DET
arjefm-95	30	21	hispanic	hispanic	ADJ
arjefm-95	30	22	population	population	NOUN
arjefm-95	30	23	.	.	PUNCT
arjefm-95	31	1	comparably	comparably	ADV
arjefm-95	31	2	,	,	PUNCT
arjefm-95	31	3	black	black	ADJ
arjefm-95	31	4	households	household	NOUN
arjefm-95	31	5	experienced	experience	VERB
arjefm-95	31	6	the	the	DET
arjefm-95	31	7	lowest	low	ADJ
arjefm-95	31	8	rate	rate	NOUN
arjefm-95	31	9	of	of	ADP
arjefm-95	31	10	homeownership	homeownership	NOUN
arjefm-95	31	11	as	as	ADV
arjefm-95	31	12	well	well	ADV
arjefm-95	31	13	as	as	ADP
arjefm-95	31	14	the	the	DET
arjefm-95	31	15	lowest	low	ADJ
arjefm-95	31	16	ownership	ownership	NOUN
arjefm-95	31	17	growth	growth	NOUN
arjefm-95	31	18	(	(	PUNCT
arjefm-95	31	19	u.s	u.s	PROPN
arjefm-95	31	20	.	.	PROPN
arjefm-95	31	21	census	census	PROPN
arjefm-95	31	22	bureau	bureau	PROPN
arjefm-95	31	23	,	,	PUNCT
arjefm-95	31	24	2013	2013	NUM
arjefm-95	31	25	)	)	PUNCT
arjefm-95	31	26	.	.	PUNCT
arjefm-95	32	1	the	the	DET
arjefm-95	32	2	process	process	NOUN
arjefm-95	32	3	of	of	ADP
arjefm-95	32	4	lending	lending	NOUN
arjefm-95	32	5	discrimination	discrimination	NOUN
arjefm-95	32	6	or	or	CCONJ
arjefm-95	32	7	loan	loan	NOUN
arjefm-95	32	8	denial	denial	NOUN
arjefm-95	32	9	based	base	VERB
arjefm-95	32	10	on	on	ADP
arjefm-95	32	11	location	location	NOUN
arjefm-95	32	12	is	be	AUX
arjefm-95	32	13	generally	generally	ADV
arjefm-95	32	14	referred	refer	VERB
arjefm-95	32	15	to	to	ADP
arjefm-95	32	16	as	as	ADP
arjefm-95	32	17	redlining	redline	VERB
arjefm-95	32	18	.	.	PUNCT
arjefm-95	33	1	in	in	ADP
arjefm-95	33	2	an	an	DET
arjefm-95	33	3	effort	effort	NOUN
arjefm-95	33	4	to	to	PART
arjefm-95	33	5	address	address	VERB
arjefm-95	33	6	this	this	DET
arjefm-95	33	7	issue	issue	NOUN
arjefm-95	33	8	and	and	CCONJ
arjefm-95	33	9	to	to	PART
arjefm-95	33	10	promote	promote	VERB
arjefm-95	33	11	transparency	transparency	NOUN
arjefm-95	33	12	and	and	CCONJ
arjefm-95	33	13	accountability	accountability	NOUN
arjefm-95	33	14	,	,	PUNCT
arjefm-95	33	15	the	the	DET
arjefm-95	33	16	united	united	PROPN
arjefm-95	33	17	states	states	PROPN
arjefm-95	33	18	congress	congress	PROPN
arjefm-95	33	19	passed	pass	VERB
arjefm-95	33	20	the	the	DET
arjefm-95	33	21	home	home	NOUN
arjefm-95	33	22	mortgage	mortgage	NOUN
arjefm-95	33	23	disclosure	disclosure	NOUN
arjefm-95	33	24	act	act	NOUN
arjefm-95	33	25	(	(	PUNCT
arjefm-95	33	26	hmda	hmda	PROPN
arjefm-95	33	27	)	)	PUNCT
arjefm-95	33	28	of	of	ADP
arjefm-95	33	29	1975	1975	NUM
arjefm-95	33	30	,	,	PUNCT
arjefm-95	33	31	requiring	require	VERB
arjefm-95	33	32	lending	lending	NOUN
arjefm-95	33	33	institutions	institution	NOUN
arjefm-95	33	34	to	to	PART
arjefm-95	33	35	disclose	disclose	VERB
arjefm-95	33	36	to	to	ADP
arjefm-95	33	37	the	the	DET
arjefm-95	33	38	public	public	NOUN
arjefm-95	33	39	,	,	PUNCT
arjefm-95	33	40	annually	annually	ADV
arjefm-95	33	41	,	,	PUNCT
arjefm-95	33	42	detailed	detailed	ADJ
arjefm-95	33	43	information	information	NOUN
arjefm-95	33	44	about	about	ADP
arjefm-95	33	45	their	their	PRON
arjefm-95	33	46	home	home	NOUN
arjefm-95	33	47	lending	lending	NOUN
arjefm-95	33	48	activities	activity	NOUN
arjefm-95	33	49	.	.	PUNCT
arjefm-95	34	1	additionally	additionally	ADV
arjefm-95	34	2	,	,	PUNCT
arjefm-95	34	3	congress	congress	PROPN
arjefm-95	34	4	passed	pass	VERB
arjefm-95	34	5	the	the	DET
arjefm-95	34	6	community	community	NOUN
arjefm-95	34	7	reinvestment	reinvestment	NOUN
arjefm-95	34	8	act	act	NOUN
arjefm-95	34	9	of	of	ADP
arjefm-95	34	10	1977	1977	NUM
arjefm-95	34	11	.	.	PUNCT
arjefm-95	35	1	the	the	DET
arjefm-95	35	2	act	act	NOUN
arjefm-95	35	3	requires	require	VERB
arjefm-95	35	4	that	that	SCONJ
arjefm-95	35	5	commercial	commercial	ADJ
arjefm-95	35	6	banks	bank	NOUN
arjefm-95	35	7	demonstrate	demonstrate	VERB
arjefm-95	35	8	through	through	ADP
arjefm-95	35	9	their	their	PRON
arjefm-95	35	10	activities	activity	NOUN
arjefm-95	35	11	that	that	PRON
arjefm-95	35	12	they	they	PRON
arjefm-95	35	13	meet	meet	VERB
arjefm-95	35	14	the	the	DET
arjefm-95	35	15	credit	credit	NOUN
arjefm-95	35	16	needs	need	NOUN
arjefm-95	35	17	of	of	ADP
arjefm-95	35	18	their	their	PRON
arjefm-95	35	19	community	community	NOUN
arjefm-95	35	20	,	,	PUNCT
arjefm-95	35	21	including	include	VERB
arjefm-95	35	22	low	low	ADJ
arjefm-95	35	23	and	and	CCONJ
arjefm-95	35	24	moderate	moderate	ADJ
arjefm-95	35	25	-	-	PUNCT
arjefm-95	35	26	income	income	NOUN
arjefm-95	35	27	neighborhoods	neighborhood	NOUN
arjefm-95	35	28	.	.	PUNCT
arjefm-95	36	1	as	as	SCONJ
arjefm-95	36	2	indicated	indicate	VERB
arjefm-95	36	3	previously	previously	ADV
arjefm-95	36	4	,	,	PUNCT
arjefm-95	36	5	discrimination	discrimination	NOUN
arjefm-95	36	6	is	be	AUX
arjefm-95	36	7	evident	evident	ADJ
arjefm-95	36	8	when	when	SCONJ
arjefm-95	36	9	mortgage	mortgage	NOUN
arjefm-95	36	10	lending	lending	NOUN
arjefm-95	36	11	is	be	AUX
arjefm-95	36	12	denied	deny	VERB
arjefm-95	36	13	to	to	ADP
arjefm-95	36	14	certain	certain	ADJ
arjefm-95	36	15	population	population	NOUN
arjefm-95	36	16	groups	group	NOUN
arjefm-95	36	17	based	base	VERB
arjefm-95	36	18	on	on	ADP
arjefm-95	36	19	race	race	NOUN
arjefm-95	36	20	,	,	PUNCT
arjefm-95	36	21	gender	gender	NOUN
arjefm-95	36	22	,	,	PUNCT
arjefm-95	36	23	religion	religion	NOUN
arjefm-95	36	24	or	or	CCONJ
arjefm-95	36	25	other	other	ADJ
arjefm-95	36	26	non	non	ADJ
arjefm-95	36	27	-	-	ADJ
arjefm-95	36	28	economic	economic	ADJ
arjefm-95	36	29	factors	factor	NOUN
arjefm-95	36	30	.	.	PUNCT
arjefm-95	37	1	over	over	ADP
arjefm-95	37	2	the	the	DET
arjefm-95	37	3	years	year	NOUN
arjefm-95	37	4	,	,	PUNCT
arjefm-95	37	5	disparities	disparity	NOUN
arjefm-95	37	6	in	in	ADP
arjefm-95	37	7	home	home	NOUN
arjefm-95	37	8	ownership	ownership	NOUN
arjefm-95	37	9	rates	rate	NOUN
arjefm-95	37	10	and	and	CCONJ
arjefm-95	37	11	in	in	ADP
arjefm-95	37	12	ownership	ownership	NOUN
arjefm-95	37	13	growth	growth	NOUN
arjefm-95	37	14	have	have	AUX
arjefm-95	37	15	attracted	attract	VERB
arjefm-95	37	16	the	the	DET
arjefm-95	37	17	attention	attention	NOUN
arjefm-95	37	18	of	of	ADP
arjefm-95	37	19	economists	economist	NOUN
arjefm-95	37	20	,	,	PUNCT
arjefm-95	37	21	social	social	ADJ
arjefm-95	37	22	scientists	scientist	NOUN
arjefm-95	37	23	and	and	CCONJ
arjefm-95	37	24	government	government	NOUN
arjefm-95	37	25	institutions	institution	NOUN
arjefm-95	37	26	,	,	PUNCT
arjefm-95	37	27	seeking	seek	VERB
arjefm-95	37	28	to	to	PART
arjefm-95	37	29	investigate	investigate	VERB
arjefm-95	37	30	the	the	DET
arjefm-95	37	31	possible	possible	ADJ
arjefm-95	37	32	causes	cause	NOUN
arjefm-95	37	33	of	of	ADP
arjefm-95	37	34	this	this	DET
arjefm-95	37	35	troubling	troubling	ADJ
arjefm-95	37	36	phenomenon	phenomenon	NOUN
arjefm-95	37	37	.	.	PUNCT
arjefm-95	38	1	as	as	ADP
arjefm-95	38	2	possible	possible	ADJ
arjefm-95	38	3	causes	cause	NOUN
arjefm-95	38	4	,	,	PUNCT
arjefm-95	38	5	some	some	DET
arjefm-95	38	6	assertions	assertion	NOUN
arjefm-95	38	7	refer	refer	VERB
arjefm-95	38	8	to	to	ADP
arjefm-95	38	9	the	the	DET
arjefm-95	38	10	concept	concept	NOUN
arjefm-95	38	11	of	of	ADP
arjefm-95	38	12	redlining	redline	VERB
arjefm-95	38	13	,	,	PUNCT
arjefm-95	38	14	the	the	DET
arjefm-95	38	15	propensity	propensity	NOUN
arjefm-95	38	16	of	of	ADP
arjefm-95	38	17	financial	financial	ADJ
arjefm-95	38	18	institutions	institution	NOUN
arjefm-95	38	19	toward	toward	ADP
arjefm-95	38	20	differential	differential	NOUN
arjefm-95	38	21	or	or	CCONJ
arjefm-95	38	22	unequal	unequal	ADJ
arjefm-95	38	23	use	use	NOUN
arjefm-95	38	24	of	of	ADP
arjefm-95	38	25	credit	credit	NOUN
arjefm-95	38	26	risk	risk	NOUN
arjefm-95	38	27	instruments	instrument	NOUN
arjefm-95	38	28	for	for	ADP
arjefm-95	38	29	different	different	ADJ
arjefm-95	38	30	racial	racial	ADJ
arjefm-95	38	31	and	and	CCONJ
arjefm-95	38	32	ethnic	ethnic	ADJ
arjefm-95	38	33	groups	group	NOUN
arjefm-95	38	34	,	,	PUNCT
arjefm-95	38	35	the	the	DET
arjefm-95	38	36	use	use	NOUN
arjefm-95	38	37	of	of	ADP
arjefm-95	38	38	statistical	statistical	ADJ
arjefm-95	38	39	discrimination	discrimination	NOUN
arjefm-95	38	40	,	,	PUNCT
arjefm-95	38	41	and	and	CCONJ
arjefm-95	38	42	the	the	DET
arjefm-95	38	43	profit	profit	NOUN
arjefm-95	38	44	motive	motive	NOUN
arjefm-95	38	45	of	of	ADP
arjefm-95	38	46	banks	bank	NOUN
arjefm-95	38	47	and	and	CCONJ
arjefm-95	38	48	mortgage	mortgage	NOUN
arjefm-95	38	49	lenders	lender	NOUN
arjefm-95	38	50	.	.	PUNCT
arjefm-95	39	1	one	one	NUM
arjefm-95	39	2	of	of	ADP
arjefm-95	39	3	the	the	DET
arjefm-95	39	4	early	early	ADJ
arjefm-95	39	5	analyses	analysis	NOUN
arjefm-95	39	6	on	on	ADP
arjefm-95	39	7	race	race	NOUN
arjefm-95	39	8	and	and	CCONJ
arjefm-95	39	9	mortgage	mortgage	NOUN
arjefm-95	39	10	lending	lending	NOUN
arjefm-95	39	11	is	be	AUX
arjefm-95	39	12	attributed	attribute	VERB
arjefm-95	39	13	to	to	ADP
arjefm-95	39	14	john	john	PROPN
arjefm-95	39	15	mcknight	mcknight	PROPN
arjefm-95	39	16	,	,	PUNCT
arjefm-95	39	17	a	a	DET
arjefm-95	39	18	sociologist	sociologist	NOUN
arjefm-95	39	19	and	and	CCONJ
arjefm-95	39	20	community	community	NOUN
arjefm-95	39	21	activist	activist	NOUN
arjefm-95	39	22	who	who	PRON
arjefm-95	39	23	,	,	PUNCT
arjefm-95	39	24	in	in	ADP
arjefm-95	39	25	the	the	DET
arjefm-95	39	26	1960s	1960	NOUN
arjefm-95	39	27	,	,	PUNCT
arjefm-95	39	28	brought	bring	VERB
arjefm-95	39	29	special	special	ADJ
arjefm-95	39	30	attention	attention	NOUN
arjefm-95	39	31	to	to	ADP
arjefm-95	39	32	the	the	DET
arjefm-95	39	33	concept	concept	NOUN
arjefm-95	39	34	of	of	ADP
arjefm-95	39	35	redlining	redline	VERB
arjefm-95	39	36	in	in	ADP
arjefm-95	39	37	residential	residential	ADJ
arjefm-95	39	38	mortgages	mortgage	NOUN
arjefm-95	39	39	.	.	PUNCT
arjefm-95	40	1	thus	thus	ADV
arjefm-95	40	2	this	this	DET
arjefm-95	40	3	study	study	NOUN
arjefm-95	40	4	examines	examine	VERB
arjefm-95	40	5	the	the	DET
arjefm-95	40	6	loan	loan	NOUN
arjefm-95	40	7	denial	denial	NOUN
arjefm-95	40	8	rate	rate	NOUN
arjefm-95	40	9	in	in	ADP
arjefm-95	40	10	the	the	DET
arjefm-95	40	11	three	three	NUM
arjefm-95	40	12	counties	county	NOUN
arjefm-95	40	13	within	within	ADP
arjefm-95	40	14	jackson	jackson	PROPN
arjefm-95	40	15	metropolitan	metropolitan	PROPN
arjefm-95	40	16	statistical	statistical	ADJ
arjefm-95	40	17	area	area	NOUN
arjefm-95	40	18	(	(	PUNCT
arjefm-95	40	19	msa	msa	PROPN
arjefm-95	40	20	)	)	PUNCT
arjefm-95	40	21	.	.	PUNCT
arjefm-95	41	1	the	the	DET
arjefm-95	41	2	three	three	NUM
arjefm-95	41	3	counties	county	NOUN
arjefm-95	41	4	studied	study	VERB
arjefm-95	41	5	are	be	AUX
arjefm-95	41	6	hinds	hind	NOUN
arjefm-95	41	7	,	,	PUNCT
arjefm-95	41	8	madison	madison	PROPN
arjefm-95	41	9	,	,	PUNCT
arjefm-95	41	10	and	and	CCONJ
arjefm-95	41	11	rankin	rankin	PROPN
arjefm-95	41	12	counties	county	NOUN
arjefm-95	41	13	.	.	PUNCT
arjefm-95	42	1	this	this	DET
arjefm-95	42	2	study	study	NOUN
arjefm-95	42	3	will	will	AUX
arjefm-95	42	4	examine	examine	VERB
arjefm-95	42	5	loan	loan	NOUN
arjefm-95	42	6	approval	approval	NOUN
arjefm-95	42	7	rates	rate	NOUN
arjefm-95	42	8	and	and	CCONJ
arjefm-95	42	9	loan	loan	NOUN
arjefm-95	42	10	denial	denial	NOUN
arjefm-95	42	11	rates	rate	NOUN
arjefm-95	42	12	among	among	ADP
arjefm-95	42	13	the	the	DET
arjefm-95	42	14	different	different	ADJ
arjefm-95	42	15	racial	racial	ADJ
arjefm-95	42	16	and	and	CCONJ
arjefm-95	42	17	ethnic	ethnic	ADJ
arjefm-95	42	18	groups	group	NOUN
arjefm-95	42	19	in	in	ADP
arjefm-95	42	20	three	three	NUM
arjefm-95	42	21	adjacent	adjacent	ADJ
arjefm-95	42	22	mississippi	mississippi	PROPN
arjefm-95	42	23	counties	county	NOUN
arjefm-95	42	24	with	with	ADP
arjefm-95	42	25	different	different	ADJ
arjefm-95	42	26	ethnic	ethnic	ADJ
arjefm-95	42	27	and	and	CCONJ
arjefm-95	42	28	racial	racial	ADJ
arjefm-95	42	29	population	population	NOUN
arjefm-95	42	30	distributions	distribution	NOUN
arjefm-95	42	31	.	.	PUNCT
arjefm-95	43	1	the	the	DET
arjefm-95	43	2	study	study	NOUN
arjefm-95	43	3	examines	examine	VERB
arjefm-95	43	4	the	the	DET
arjefm-95	43	5	role	role	NOUN
arjefm-95	43	6	of	of	ADP
arjefm-95	43	7	location	location	NOUN
arjefm-95	43	8	,	,	PUNCT
arjefm-95	43	9	minority	minority	NOUN
arjefm-95	43	10	population	population	NOUN
arjefm-95	43	11	of	of	ADP
arjefm-95	43	12	location	location	NOUN
arjefm-95	43	13	,	,	PUNCT
arjefm-95	43	14	and	and	CCONJ
arjefm-95	43	15	the	the	DET
arjefm-95	43	16	ratio	ratio	NOUN
arjefm-95	43	17	of	of	ADP
arjefm-95	43	18	loan	loan	NOUN
arjefm-95	43	19	amount	amount	NOUN
arjefm-95	43	20	to	to	PART
arjefm-95	43	21	income	income	VERB
arjefm-95	43	22	on	on	ADP
arjefm-95	43	23	loan	loan	NOUN
arjefm-95	43	24	denial	denial	NOUN
arjefm-95	43	25	rate	rate	NOUN
arjefm-95	43	26	.	.	PUNCT
arjefm-95	44	1	literature	literature	NOUN
arjefm-95	44	2	review	review	PROPN
arjefm-95	44	3	anyamele	anyamele	PROPN
arjefm-95	44	4	(	(	PUNCT
arjefm-95	44	5	2015	2015	NUM
arjefm-95	44	6	)	)	PUNCT
arjefm-95	44	7	established	establish	VERB
arjefm-95	44	8	that	that	SCONJ
arjefm-95	44	9	the	the	DET
arjefm-95	44	10	recent	recent	ADJ
arjefm-95	44	11	financial	financial	ADJ
arjefm-95	44	12	crisis	crisis	NOUN
arjefm-95	44	13	impacted	impact	VERB
arjefm-95	44	14	minorities	minority	NOUN
arjefm-95	44	15	more	more	ADJ
arjefm-95	44	16	than	than	ADP
arjefm-95	44	17	whites	white	NOUN
arjefm-95	44	18	.	.	PUNCT
arjefm-95	45	1	the	the	DET
arjefm-95	45	2	study	study	NOUN
arjefm-95	45	3	used	use	VERB
arjefm-95	45	4	2001	2001	NUM
arjefm-95	45	5	,	,	PUNCT
arjefm-95	45	6	2004	2004	NUM
arjefm-95	45	7	,	,	PUNCT
arjefm-95	45	8	2007	2007	NUM
arjefm-95	45	9	,	,	PUNCT
arjefm-95	45	10	and	and	CCONJ
arjefm-95	45	11	2010	2010	NUM
arjefm-95	45	12	surveys	survey	NOUN
arjefm-95	45	13	of	of	ADP
arjefm-95	45	14	consumer	consumer	NOUN
arjefm-95	45	15	finances	finance	NOUN
arjefm-95	45	16	(	(	PUNCT
arjefm-95	45	17	scf	scf	PROPN
arjefm-95	45	18	)	)	PUNCT
arjefm-95	45	19	data	datum	NOUN
arjefm-95	45	20	.	.	PUNCT
arjefm-95	46	1	ezeala	ezeala	NOUN
arjefm-95	46	2	-	-	PUNCT
arjefm-95	46	3	harrison	harrison	NOUN
arjefm-95	46	4	et	et	PROPN
arjefm-95	46	5	.	.	PUNCT
arjefm-95	47	1	al	al	PROPN
arjefm-95	47	2	(	(	PUNCT
arjefm-95	47	3	2008	2008	NUM
arjefm-95	47	4	)	)	PUNCT
arjefm-95	47	5	found	find	VERB
arjefm-95	47	6	consistent	consistent	ADJ
arjefm-95	47	7	high	high	ADJ
arjefm-95	47	8	denial	denial	NOUN
arjefm-95	47	9	rates	rate	NOUN
arjefm-95	47	10	in	in	ADP
arjefm-95	47	11	housing	housing	NOUN
arjefm-95	47	12	loan	loan	NOUN
arjefm-95	47	13	decisions	decision	NOUN
arjefm-95	47	14	against	against	ADP
arjefm-95	47	15	minorities	minority	NOUN
arjefm-95	47	16	in	in	ADP
arjefm-95	47	17	metrojackson	metrojackson	NOUN
arjefm-95	47	18	,	,	PUNCT
arjefm-95	47	19	southern	southern	ADJ
arjefm-95	47	20	mississippi	mississippi	PROPN
arjefm-95	47	21	corridor	corridor	PROPN
arjefm-95	47	22	,	,	PUNCT
arjefm-95	47	23	and	and	CCONJ
arjefm-95	47	24	the	the	DET
arjefm-95	47	25	northern	northern	ADJ
arjefm-95	47	26	district	district	NOUN
arjefm-95	47	27	of	of	ADP
arjefm-95	47	28	mississippi	mississippi	PROPN
arjefm-95	47	29	.	.	PUNCT
arjefm-95	48	1	their	their	PRON
arjefm-95	48	2	study	study	NOUN
arjefm-95	48	3	used	use	VERB
arjefm-95	48	4	a	a	DET
arjefm-95	48	5	combination	combination	NOUN
arjefm-95	48	6	of	of	ADP
arjefm-95	48	7	data	datum	NOUN
arjefm-95	48	8	from	from	ADP
arjefm-95	48	9	western	western	ADJ
arjefm-95	48	10	economic	economic	ADJ
arjefm-95	48	11	services	service	NOUN
arjefm-95	48	12	(	(	PUNCT
arjefm-95	48	13	wes	wes	PROPN
arjefm-95	48	14	)	)	PUNCT
arjefm-95	48	15	and	and	CCONJ
arjefm-95	48	16	home	home	NOUN
arjefm-95	48	17	mortgage	mortgage	NOUN
arjefm-95	48	18	disclosure	disclosure	NOUN
arjefm-95	48	19	act	act	NOUN
arjefm-95	48	20	(	(	PUNCT
arjefm-95	48	21	hmda	hmda	PROPN
arjefm-95	48	22	)	)	PUNCT
arjefm-95	48	23	that	that	PRON
arjefm-95	48	24	covered	cover	VERB
arjefm-95	48	25	1993	1993	NUM
arjefm-95	48	26	to	to	ADP
arjefm-95	48	27	2003	2003	NUM
arjefm-95	48	28	period	period	NOUN
arjefm-95	48	29	.	.	PUNCT
arjefm-95	49	1	one	one	NUM
arjefm-95	49	2	of	of	ADP
arjefm-95	49	3	the	the	DET
arjefm-95	49	4	major	major	ADJ
arjefm-95	49	5	contributions	contribution	NOUN
arjefm-95	49	6	of	of	ADP
arjefm-95	49	7	their	their	PRON
arjefm-95	49	8	study	study	NOUN
arjefm-95	49	9	is	be	AUX
arjefm-95	49	10	that	that	SCONJ
arjefm-95	49	11	redlining	redline	VERB
arjefm-95	49	12	still	still	ADV
arjefm-95	49	13	exist	exist	VERB
arjefm-95	49	14	in	in	ADP
arjefm-95	49	15	mississippi	mississippi	PROPN
arjefm-95	49	16	.	.	PUNCT
arjefm-95	50	1	redlining	redline	VERB
arjefm-95	50	2	is	be	AUX
arjefm-95	50	3	the	the	DET
arjefm-95	50	4	uniquely	uniquely	ADV
arjefm-95	50	5	american	american	ADJ
arjefm-95	50	6	phenomenon	phenomenon	NOUN
arjefm-95	50	7	where	where	SCONJ
arjefm-95	50	8	large	large	ADJ
arjefm-95	50	9	areas	area	NOUN
arjefm-95	50	10	of	of	ADP
arjefm-95	50	11	center	center	ADJ
arjefm-95	50	12	city	city	NOUN
arjefm-95	50	13	neighborhoods	neighborhood	NOUN
arjefm-95	50	14	are	be	AUX
arjefm-95	50	15	deemed	deem	VERB
arjefm-95	50	16	unsafe	unsafe	ADJ
arjefm-95	50	17	for	for	ADP
arjefm-95	50	18	home	home	NOUN
arjefm-95	50	19	mortgage	mortgage	NOUN
arjefm-95	50	20	investments	investment	NOUN
arjefm-95	50	21	(	(	PUNCT
arjefm-95	50	22	greer	greer	PROPN
arjefm-95	50	23	2012	2012	NUM
arjefm-95	50	24	)	)	PUNCT
arjefm-95	50	25	.	.	PUNCT
arjefm-95	51	1	the	the	DET
arjefm-95	51	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	51	3	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	51	4	american	american	PROPN
arjefm-95	51	5	research	research	PROPN
arjefm-95	51	6	journal	journal	PROPN
arjefm-95	51	7	of	of	ADP
arjefm-95	51	8	economics	economic	NOUN
arjefm-95	51	9	,	,	PUNCT
arjefm-95	51	10	finance	finance	NOUN
arjefm-95	51	11	and	and	CCONJ
arjefm-95	51	12	management	management	NOUN
arjefm-95	51	13	volume	volume	NOUN
arjefm-95	51	14	11	11	NUM
arjefm-95	51	15	issue	issue	NOUN
arjefm-95	51	16	4	4	NUM
arjefm-95	51	17	,	,	PUNCT
arjefm-95	51	18	october	october	PROPN
arjefm-95	51	19	-	-	PUNCT
arjefm-95	51	20	december	december	PROPN
arjefm-95	51	21	2023	2023	NUM
arjefm-95	51	22	issn	issn	NOUN
arjefm-95	51	23	:	:	PUNCT
arjefm-95	51	24	2836	2836	NUM
arjefm-95	51	25	-	-	SYM
arjefm-95	51	26	9416	9416	NUM
arjefm-95	51	27	impact	impact	NOUN
arjefm-95	51	28	factor	factor	NOUN
arjefm-95	51	29	:	:	PUNCT
arjefm-95	51	30	5.57	5.57	NUM
arjefm-95	51	31	journal	journal	NOUN
arjefm-95	51	32	homepage	homepage	NOUN
arjefm-95	51	33	:	:	PUNCT
arjefm-95	51	34	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	51	35	,	,	PUNCT
arjefm-95	51	36	email	email	NOUN
arjefm-95	51	37	:	:	PUNCT
arjefm-95	51	38	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-95	51	39	official	official	ADJ
arjefm-95	51	40	journal	journal	PROPN
arjefm-95	51	41	of	of	ADP
arjefm-95	51	42	america	america	PROPN
arjefm-95	51	43	serial	serial	PROPN
arjefm-95	51	44	publication	publication	NOUN
arjefm-95	51	45	american	american	PROPN
arjefm-95	51	46	research	research	PROPN
arjefm-95	51	47	journal	journal	PROPN
arjefm-95	51	48	of	of	ADP
arjefm-95	51	49	economics	economic	NOUN
arjefm-95	51	50	,	,	PUNCT
arjefm-95	51	51	finance	finance	NOUN
arjefm-95	51	52	and	and	CCONJ
arjefm-95	51	53	management	management	NOUN
arjefm-95	51	54	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	51	55	,	,	PUNCT
arjefm-95	51	56	email	email	NOUN
arjefm-95	51	57	:	:	PUNCT
arjefm-95	51	58	contact@americaserial.com	contact@americaserial.com	X
arjefm-95	52	1	79	79	NUM
arjefm-95	53	1	|	|	ADV
arjefm-95	53	2	p	p	X
arjefm-95	53	3	a	a	DET
arjefm-95	53	4	g	g	NOUN
arjefm-95	53	5	e	e	NOUN
arjefm-95	53	6	word	word	NOUN
arjefm-95	53	7	,	,	PUNCT
arjefm-95	53	8	redlining	redlining	ADJ
arjefm-95	53	9	,	,	PUNCT
arjefm-95	53	10	is	be	AUX
arjefm-95	53	11	particularly	particularly	ADV
arjefm-95	53	12	fitting	fitting	ADJ
arjefm-95	53	13	,	,	PUNCT
arjefm-95	53	14	because	because	SCONJ
arjefm-95	53	15	historically	historically	ADV
arjefm-95	53	16	these	these	DET
arjefm-95	53	17	agencies	agency	NOUN
arjefm-95	53	18	would	would	AUX
arjefm-95	53	19	draw	draw	VERB
arjefm-95	53	20	red	red	ADJ
arjefm-95	53	21	lines	line	NOUN
arjefm-95	53	22	around	around	ADP
arjefm-95	53	23	the	the	DET
arjefm-95	53	24	inner	inner	ADJ
arjefm-95	53	25	city	city	NOUN
arjefm-95	53	26	areas	area	NOUN
arjefm-95	53	27	and	and	CCONJ
arjefm-95	53	28	neighborhoods	neighborhood	NOUN
arjefm-95	53	29	that	that	PRON
arjefm-95	53	30	were	be	AUX
arjefm-95	53	31	deemed	deem	VERB
arjefm-95	53	32	“	"	PUNCT
arjefm-95	53	33	hazardous	hazardous	ADJ
arjefm-95	53	34	”	"	PUNCT
arjefm-95	53	35	or	or	CCONJ
arjefm-95	53	36	“	"	PUNCT
arjefm-95	53	37	definitely	definitely	ADV
arjefm-95	53	38	declining	decline	VERB
arjefm-95	53	39	,	,	PUNCT
arjefm-95	53	40	”	"	PUNCT
arjefm-95	53	41	which	which	PRON
arjefm-95	53	42	led	lead	VERB
arjefm-95	53	43	to	to	ADP
arjefm-95	53	44	the	the	DET
arjefm-95	53	45	creation	creation	NOUN
arjefm-95	53	46	of	of	ADP
arjefm-95	53	47	“	"	PUNCT
arjefm-95	53	48	residential	residential	ADJ
arjefm-95	53	49	security	security	NOUN
arjefm-95	53	50	maps	map	NOUN
arjefm-95	53	51	”	"	PUNCT
arjefm-95	53	52	(	(	PUNCT
arjefm-95	53	53	greer	greer	PROPN
arjefm-95	53	54	2012	2012	NUM
arjefm-95	53	55	)	)	PUNCT
arjefm-95	53	56	.	.	PUNCT
arjefm-95	54	1	more	more	ADV
arjefm-95	54	2	importantly	importantly	ADV
arjefm-95	54	3	,	,	PUNCT
arjefm-95	54	4	these	these	DET
arjefm-95	54	5	areas	area	NOUN
arjefm-95	54	6	were	be	AUX
arjefm-95	54	7	predominantly	predominantly	ADV
arjefm-95	54	8	occupied	occupy	VERB
arjefm-95	54	9	by	by	ADP
arjefm-95	54	10	non	non	NOUN
arjefm-95	54	11	-	-	ADJ
arjefm-95	54	12	whites	white	NOUN
arjefm-95	54	13	and	and	CCONJ
arjefm-95	54	14	non	non	ADJ
arjefm-95	54	15	-	-	ADJ
arjefm-95	54	16	white	white	ADJ
arjefm-95	54	17	hispanics	hispanic	NOUN
arjefm-95	54	18	,	,	PUNCT
arjefm-95	54	19	which	which	PRON
arjefm-95	54	20	suggested	suggest	VERB
arjefm-95	54	21	some	some	DET
arjefm-95	54	22	form	form	NOUN
arjefm-95	54	23	of	of	ADP
arjefm-95	54	24	racial	racial	ADJ
arjefm-95	54	25	profiling	profiling	NOUN
arjefm-95	54	26	.	.	PUNCT
arjefm-95	55	1	redlining	redline	VERB
arjefm-95	55	2	was	be	AUX
arjefm-95	55	3	not	not	PART
arjefm-95	55	4	only	only	ADV
arjefm-95	55	5	a	a	DET
arjefm-95	55	6	concept	concept	NOUN
arjefm-95	55	7	but	but	CCONJ
arjefm-95	55	8	also	also	ADV
arjefm-95	55	9	an	an	DET
arjefm-95	55	10	action	action	NOUN
arjefm-95	55	11	that	that	PRON
arjefm-95	55	12	was	be	AUX
arjefm-95	55	13	practiced	practice	VERB
arjefm-95	55	14	on	on	ADP
arjefm-95	55	15	a	a	DET
arjefm-95	55	16	regular	regular	ADJ
arjefm-95	55	17	basis	basis	NOUN
arjefm-95	55	18	as	as	SCONJ
arjefm-95	55	19	the	the	DET
arjefm-95	55	20	interests	interest	NOUN
arjefm-95	55	21	of	of	ADP
arjefm-95	55	22	both	both	CCONJ
arjefm-95	55	23	public	public	ADJ
arjefm-95	55	24	and	and	CCONJ
arjefm-95	55	25	private	private	ADJ
arjefm-95	55	26	institutions	institution	NOUN
arjefm-95	55	27	merged	merge	VERB
arjefm-95	55	28	.	.	PUNCT
arjefm-95	56	1	furthermore	furthermore	ADV
arjefm-95	56	2	,	,	PUNCT
arjefm-95	56	3	redlining	redline	VERB
arjefm-95	56	4	was	be	AUX
arjefm-95	56	5	formulated	formulate	VERB
arjefm-95	56	6	greatly	greatly	ADV
arjefm-95	56	7	in	in	ADP
arjefm-95	56	8	response	response	NOUN
arjefm-95	56	9	to	to	ADP
arjefm-95	56	10	the	the	DET
arjefm-95	56	11	great	great	ADJ
arjefm-95	56	12	migration	migration	NOUN
arjefm-95	56	13	of	of	ADP
arjefm-95	56	14	rural	rural	ADJ
arjefm-95	56	15	african	african	ADJ
arjefm-95	56	16	americans	americans	PROPN
arjefm-95	56	17	from	from	ADP
arjefm-95	56	18	the	the	DET
arjefm-95	56	19	south	south	NOUN
arjefm-95	56	20	to	to	ADP
arjefm-95	56	21	northern	northern	ADJ
arjefm-95	56	22	cities	city	NOUN
arjefm-95	56	23	(	(	PUNCT
arjefm-95	56	24	greer	greer	PROPN
arjefm-95	56	25	2012	2012	NUM
arjefm-95	56	26	)	)	PUNCT
arjefm-95	56	27	.	.	PUNCT
arjefm-95	57	1	this	this	DET
arjefm-95	57	2	transition	transition	NOUN
arjefm-95	57	3	of	of	ADP
arjefm-95	57	4	people	people	NOUN
arjefm-95	57	5	was	be	AUX
arjefm-95	57	6	inevitable	inevitable	ADJ
arjefm-95	57	7	,	,	PUNCT
arjefm-95	57	8	because	because	SCONJ
arjefm-95	57	9	it	it	PRON
arjefm-95	57	10	was	be	AUX
arjefm-95	57	11	believed	believe	VERB
arjefm-95	57	12	that	that	SCONJ
arjefm-95	57	13	the	the	DET
arjefm-95	57	14	redlined	redline	VERB
arjefm-95	57	15	areas	area	NOUN
arjefm-95	57	16	,	,	PUNCT
arjefm-95	57	17	or	or	CCONJ
arjefm-95	57	18	people	people	NOUN
arjefm-95	57	19	living	live	VERB
arjefm-95	57	20	in	in	ADP
arjefm-95	57	21	those	those	DET
arjefm-95	57	22	areas	area	NOUN
arjefm-95	57	23	,	,	PUNCT
arjefm-95	57	24	would	would	AUX
arjefm-95	57	25	degrade	degrade	VERB
arjefm-95	57	26	the	the	DET
arjefm-95	57	27	land	land	NOUN
arjefm-95	57	28	and	and	CCONJ
arjefm-95	57	29	the	the	DET
arjefm-95	57	30	neighboring	neighboring	NOUN
arjefm-95	57	31	areas	area	NOUN
arjefm-95	57	32	.	.	PUNCT
arjefm-95	58	1	according	accord	VERB
arjefm-95	58	2	to	to	ADP
arjefm-95	58	3	greer	greer	PROPN
arjefm-95	58	4	(	(	PUNCT
arjefm-95	58	5	2012	2012	NUM
arjefm-95	58	6	)	)	PUNCT
arjefm-95	58	7	,	,	PUNCT
arjefm-95	58	8	redlining	redline	VERB
arjefm-95	58	9	emphasizes	emphasize	VERB
arjefm-95	58	10	four	four	NUM
arjefm-95	58	11	main	main	ADJ
arjefm-95	58	12	factors	factor	NOUN
arjefm-95	58	13	:	:	PUNCT
arjefm-95	58	14	the	the	DET
arjefm-95	58	15	decline	decline	NOUN
arjefm-95	58	16	of	of	ADP
arjefm-95	58	17	inner	inner	ADJ
arjefm-95	58	18	city	city	NOUN
arjefm-95	58	19	areas	area	NOUN
arjefm-95	58	20	,	,	PUNCT
arjefm-95	58	21	the	the	DET
arjefm-95	58	22	inability	inability	NOUN
arjefm-95	58	23	of	of	ADP
arjefm-95	58	24	non	non	NOUN
arjefm-95	58	25	-	-	NOUN
arjefm-95	58	26	whites	white	NOUN
arjefm-95	58	27	to	to	PART
arjefm-95	58	28	take	take	VERB
arjefm-95	58	29	on	on	ADP
arjefm-95	58	30	loans	loan	NOUN
arjefm-95	58	31	,	,	PUNCT
arjefm-95	58	32	the	the	DET
arjefm-95	58	33	racial	racial	ADJ
arjefm-95	58	34	beliefs	belief	NOUN
arjefm-95	58	35	and	and	CCONJ
arjefm-95	58	36	actions	action	NOUN
arjefm-95	58	37	of	of	ADP
arjefm-95	58	38	federal	federal	ADJ
arjefm-95	58	39	agencies	agency	NOUN
arjefm-95	58	40	,	,	PUNCT
arjefm-95	58	41	and	and	CCONJ
arjefm-95	58	42	the	the	DET
arjefm-95	58	43	codependence	codependence	NOUN
arjefm-95	58	44	of	of	ADP
arjefm-95	58	45	the	the	DET
arjefm-95	58	46	financial	financial	ADJ
arjefm-95	58	47	and	and	CCONJ
arjefm-95	58	48	real	real	ADJ
arjefm-95	58	49	-	-	PUNCT
arjefm-95	58	50	estate	estate	NOUN
arjefm-95	58	51	markets	market	NOUN
arjefm-95	58	52	.	.	PUNCT
arjefm-95	59	1	as	as	ADP
arjefm-95	59	2	a	a	DET
arjefm-95	59	3	result	result	NOUN
arjefm-95	59	4	,	,	PUNCT
arjefm-95	59	5	the	the	DET
arjefm-95	59	6	urban	urban	ADJ
arjefm-95	59	7	and	and	CCONJ
arjefm-95	59	8	rural	rural	ADJ
arjefm-95	59	9	dichotomy	dichotomy	NOUN
arjefm-95	59	10	was	be	AUX
arjefm-95	59	11	forcefully	forcefully	ADV
arjefm-95	59	12	formed	form	VERB
arjefm-95	59	13	not	not	PART
arjefm-95	59	14	only	only	ADV
arjefm-95	59	15	through	through	ADP
arjefm-95	59	16	association	association	NOUN
arjefm-95	59	17	but	but	CCONJ
arjefm-95	59	18	also	also	ADV
arjefm-95	59	19	through	through	ADP
arjefm-95	59	20	governmental	governmental	ADJ
arjefm-95	59	21	pressures	pressure	NOUN
arjefm-95	59	22	.	.	PUNCT
arjefm-95	60	1	in	in	ADP
arjefm-95	60	2	other	other	ADJ
arjefm-95	60	3	words	word	NOUN
arjefm-95	60	4	,	,	PUNCT
arjefm-95	60	5	the	the	DET
arjefm-95	60	6	u.s	u.s	PROPN
arjefm-95	60	7	.	.	PROPN
arjefm-95	60	8	government	government	NOUN
arjefm-95	60	9	implemented	implement	VERB
arjefm-95	60	10	discriminatory	discriminatory	ADJ
arjefm-95	60	11	acts	act	NOUN
arjefm-95	60	12	that	that	PRON
arjefm-95	60	13	were	be	AUX
arjefm-95	60	14	carried	carry	VERB
arjefm-95	60	15	out	out	ADP
arjefm-95	60	16	by	by	ADP
arjefm-95	60	17	the	the	DET
arjefm-95	60	18	people	people	NOUN
arjefm-95	60	19	.	.	PUNCT
arjefm-95	61	1	james	james	PROPN
arjefm-95	61	2	greer	greer	PROPN
arjefm-95	61	3	(	(	PUNCT
arjefm-95	61	4	2012	2012	NUM
arjefm-95	61	5	)	)	PUNCT
arjefm-95	61	6	,	,	PUNCT
arjefm-95	61	7	proposed	propose	VERB
arjefm-95	61	8	that	that	SCONJ
arjefm-95	61	9	the	the	DET
arjefm-95	61	10	racialization	racialization	NOUN
arjefm-95	61	11	of	of	ADP
arjefm-95	61	12	the	the	DET
arjefm-95	61	13	american	american	ADJ
arjefm-95	61	14	real	real	ADJ
arjefm-95	61	15	estate	estate	NOUN
arjefm-95	61	16	market	market	NOUN
arjefm-95	61	17	is	be	AUX
arjefm-95	61	18	not	not	PART
arjefm-95	61	19	wrong	wrong	ADJ
arjefm-95	61	20	,	,	PUNCT
arjefm-95	61	21	but	but	CCONJ
arjefm-95	61	22	instead	instead	ADV
arjefm-95	61	23	incomplete	incomplete	ADJ
arjefm-95	61	24	.	.	PUNCT
arjefm-95	62	1	he	he	PRON
arjefm-95	62	2	points	point	VERB
arjefm-95	62	3	out	out	ADP
arjefm-95	62	4	the	the	DET
arjefm-95	62	5	fact	fact	NOUN
arjefm-95	62	6	that	that	SCONJ
arjefm-95	62	7	race	race	NOUN
arjefm-95	62	8	is	be	AUX
arjefm-95	62	9	only	only	ADV
arjefm-95	62	10	one	one	NUM
arjefm-95	62	11	explanatory	explanatory	ADJ
arjefm-95	62	12	variable	variable	NOUN
arjefm-95	62	13	on	on	ADP
arjefm-95	62	14	the	the	DET
arjefm-95	62	15	disinvestment	disinvestment	NOUN
arjefm-95	62	16	of	of	ADP
arjefm-95	62	17	mortgage	mortgage	NOUN
arjefm-95	62	18	lending	lending	NOUN
arjefm-95	62	19	in	in	ADP
arjefm-95	62	20	the	the	DET
arjefm-95	62	21	u.s	u.s	PROPN
arjefm-95	62	22	.	.	PROPN
arjefm-95	62	23	economy	economy	NOUN
arjefm-95	62	24	and	and	CCONJ
arjefm-95	62	25	although	although	SCONJ
arjefm-95	62	26	it	it	PRON
arjefm-95	62	27	may	may	AUX
arjefm-95	62	28	be	be	AUX
arjefm-95	62	29	a	a	DET
arjefm-95	62	30	contributing	contribute	VERB
arjefm-95	62	31	factor	factor	NOUN
arjefm-95	62	32	,	,	PUNCT
arjefm-95	62	33	it	it	PRON
arjefm-95	62	34	is	be	AUX
arjefm-95	62	35	certainly	certainly	ADV
arjefm-95	62	36	not	not	PART
arjefm-95	62	37	the	the	DET
arjefm-95	62	38	sole	sole	ADJ
arjefm-95	62	39	factor	factor	NOUN
arjefm-95	62	40	that	that	PRON
arjefm-95	62	41	redlining	redline	VERB
arjefm-95	62	42	rhetoric	rhetoric	NOUN
arjefm-95	62	43	seems	seem	VERB
arjefm-95	62	44	to	to	PART
arjefm-95	62	45	suggest	suggest	VERB
arjefm-95	62	46	.	.	PUNCT
arjefm-95	63	1	phillips	phillips	PROPN
arjefm-95	63	2	-	-	PUNCT
arjefm-95	63	3	patrick	patrick	PROPN
arjefm-95	63	4	and	and	CCONJ
arjefm-95	63	5	rossi	rossi	ADJ
arjefm-95	63	6	(	(	PUNCT
arjefm-95	63	7	1995	1995	NUM
arjefm-95	63	8	)	)	PUNCT
arjefm-95	63	9	observed	observe	VERB
arjefm-95	63	10	evidence	evidence	NOUN
arjefm-95	63	11	of	of	ADP
arjefm-95	63	12	red	red	NOUN
arjefm-95	63	13	-	-	PUNCT
arjefm-95	63	14	lining	lining	NOUN
arjefm-95	63	15	in	in	ADP
arjefm-95	63	16	their	their	PRON
arjefm-95	63	17	analysis	analysis	NOUN
arjefm-95	63	18	of	of	ADP
arjefm-95	63	19	mortgage	mortgage	NOUN
arjefm-95	63	20	loans	loan	NOUN
arjefm-95	63	21	approval	approval	NOUN
arjefm-95	63	22	and	and	CCONJ
arjefm-95	63	23	denials	denial	NOUN
arjefm-95	63	24	in	in	ADP
arjefm-95	63	25	the	the	DET
arjefm-95	63	26	washington	washington	PROPN
arjefm-95	63	27	,	,	PUNCT
arjefm-95	63	28	dc	dc	PROPN
arjefm-95	63	29	metropolitan	metropolitan	PROPN
arjefm-95	63	30	area	area	NOUN
arjefm-95	63	31	.	.	PUNCT
arjefm-95	64	1	examining	examine	VERB
arjefm-95	64	2	mortgage	mortgage	NOUN
arjefm-95	64	3	loan	loan	NOUN
arjefm-95	64	4	approvals	approval	NOUN
arjefm-95	64	5	within	within	ADP
arjefm-95	64	6	and	and	CCONJ
arjefm-95	64	7	across	across	ADP
arjefm-95	64	8	census	census	NOUN
arjefm-95	64	9	tracks	track	NOUN
arjefm-95	64	10	,	,	PUNCT
arjefm-95	64	11	they	they	PRON
arjefm-95	64	12	discovered	discover	VERB
arjefm-95	64	13	that	that	SCONJ
arjefm-95	64	14	the	the	DET
arjefm-95	64	15	ratio	ratio	NOUN
arjefm-95	64	16	of	of	ADP
arjefm-95	64	17	mortgage	mortgage	NOUN
arjefm-95	64	18	originations	origination	NOUN
arjefm-95	64	19	in	in	ADP
arjefm-95	64	20	black	black	ADJ
arjefm-95	64	21	neighborhoods	neighborhood	NOUN
arjefm-95	64	22	was	be	AUX
arjefm-95	64	23	significantly	significantly	ADV
arjefm-95	64	24	lower	low	ADJ
arjefm-95	64	25	than	than	ADP
arjefm-95	64	26	in	in	ADP
arjefm-95	64	27	non	non	ADJ
arjefm-95	64	28	-	-	ADJ
arjefm-95	64	29	black	black	ADJ
arjefm-95	64	30	areas	area	NOUN
arjefm-95	64	31	.	.	PUNCT
arjefm-95	65	1	they	they	PRON
arjefm-95	65	2	also	also	ADV
arjefm-95	65	3	found	find	VERB
arjefm-95	65	4	that	that	SCONJ
arjefm-95	65	5	as	as	ADP
arjefm-95	65	6	the	the	DET
arjefm-95	65	7	percentage	percentage	NOUN
arjefm-95	65	8	of	of	ADP
arjefm-95	65	9	black	black	ADJ
arjefm-95	65	10	households	household	NOUN
arjefm-95	65	11	in	in	ADP
arjefm-95	65	12	a	a	DET
arjefm-95	65	13	neighborhood	neighborhood	NOUN
arjefm-95	65	14	rises	rise	NOUN
arjefm-95	65	15	,	,	PUNCT
arjefm-95	65	16	the	the	DET
arjefm-95	65	17	ratio	ratio	NOUN
arjefm-95	65	18	of	of	ADP
arjefm-95	65	19	mortgage	mortgage	NOUN
arjefm-95	65	20	applications	application	NOUN
arjefm-95	65	21	to	to	ADP
arjefm-95	65	22	units	unit	NOUN
arjefm-95	65	23	rises	rise	VERB
arjefm-95	65	24	and	and	CCONJ
arjefm-95	65	25	that	that	SCONJ
arjefm-95	65	26	originations	origination	NOUN
arjefm-95	65	27	drop	drop	NOUN
arjefm-95	65	28	in	in	ADP
arjefm-95	65	29	neighborhoods	neighborhood	NOUN
arjefm-95	65	30	as	as	SCONJ
arjefm-95	65	31	the	the	DET
arjefm-95	65	32	percentage	percentage	NOUN
arjefm-95	65	33	of	of	ADP
arjefm-95	65	34	black	black	ADJ
arjefm-95	65	35	residents	resident	NOUN
arjefm-95	65	36	rises	rise	VERB
arjefm-95	65	37	.	.	PUNCT
arjefm-95	66	1	the	the	DET
arjefm-95	66	2	results	result	NOUN
arjefm-95	66	3	could	could	AUX
arjefm-95	66	4	indicate	indicate	VERB
arjefm-95	66	5	redlining	redlining	NOUN
arjefm-95	66	6	or	or	CCONJ
arjefm-95	66	7	it	it	PRON
arjefm-95	66	8	could	could	AUX
arjefm-95	66	9	reflect	reflect	VERB
arjefm-95	66	10	the	the	DET
arjefm-95	66	11	omitted	omit	VERB
arjefm-95	66	12	variables	variable	NOUN
arjefm-95	66	13	such	such	ADJ
arjefm-95	66	14	as	as	ADP
arjefm-95	66	15	creditworthiness	creditworthiness	NOUN
arjefm-95	66	16	.	.	PUNCT
arjefm-95	67	1	on	on	ADP
arjefm-95	67	2	the	the	DET
arjefm-95	67	3	other	other	ADJ
arjefm-95	67	4	hand	hand	NOUN
arjefm-95	67	5	,	,	PUNCT
arjefm-95	67	6	some	some	DET
arjefm-95	67	7	researchers	researcher	NOUN
arjefm-95	67	8	questioned	question	VERB
arjefm-95	67	9	the	the	DET
arjefm-95	67	10	red	red	ADJ
arjefm-95	67	11	-	-	PUNCT
arjefm-95	67	12	lining	line	VERB
arjefm-95	67	13	phenomenon	phenomenon	NOUN
arjefm-95	67	14	in	in	ADP
arjefm-95	67	15	mortgage	mortgage	NOUN
arjefm-95	67	16	lending	lending	NOUN
arjefm-95	67	17	.	.	PUNCT
arjefm-95	68	1	for	for	ADP
arjefm-95	68	2	example	example	NOUN
arjefm-95	68	3	,	,	PUNCT
arjefm-95	68	4	in	in	ADP
arjefm-95	68	5	challenging	challenging	ADJ
arjefm-95	68	6	findings	finding	NOUN
arjefm-95	68	7	of	of	ADP
arjefm-95	68	8	redlining	redline	VERB
arjefm-95	68	9	by	by	ADP
arjefm-95	68	10	other	other	ADJ
arjefm-95	68	11	researchers	researcher	NOUN
arjefm-95	68	12	,	,	PUNCT
arjefm-95	68	13	carr	carr	NOUN
arjefm-95	68	14	and	and	CCONJ
arjefm-95	68	15	megbolugbe	megbolugbe	NOUN
arjefm-95	68	16	(	(	PUNCT
arjefm-95	68	17	1993	1993	NUM
arjefm-95	68	18	)	)	PUNCT
arjefm-95	68	19	cited	cite	VERB
arjefm-95	68	20	the	the	DET
arjefm-95	68	21	work	work	NOUN
arjefm-95	68	22	of	of	ADP
arjefm-95	68	23	benston	benston	NOUN
arjefm-95	68	24	and	and	CCONJ
arjefm-95	68	25	horsky	horsky	NOUN
arjefm-95	68	26	which	which	PRON
arjefm-95	68	27	found	find	VERB
arjefm-95	68	28	no	no	DET
arjefm-95	68	29	differences	difference	NOUN
arjefm-95	68	30	between	between	ADP
arjefm-95	68	31	households	household	NOUN
arjefm-95	68	32	in	in	ADP
arjefm-95	68	33	allegedly	allegedly	ADV
arjefm-95	68	34	redlined	redline	VERB
arjefm-95	68	35	areas	area	NOUN
arjefm-95	68	36	and	and	CCONJ
arjefm-95	68	37	those	those	PRON
arjefm-95	68	38	in	in	ADP
arjefm-95	68	39	control	control	NOUN
arjefm-95	68	40	areas	area	NOUN
arjefm-95	68	41	in	in	ADP
arjefm-95	68	42	terms	term	NOUN
arjefm-95	68	43	of	of	ADP
arjefm-95	68	44	their	their	PRON
arjefm-95	68	45	ability	ability	NOUN
arjefm-95	68	46	to	to	PART
arjefm-95	68	47	secure	secure	VERB
arjefm-95	68	48	mortgage	mortgage	NOUN
arjefm-95	68	49	financing	financing	NOUN
arjefm-95	68	50	in	in	ADP
arjefm-95	68	51	cincinnati	cincinnati	PROPN
arjefm-95	68	52	,	,	PUNCT
arjefm-95	68	53	indianapolis	indianapolis	PROPN
arjefm-95	68	54	,	,	PUNCT
arjefm-95	68	55	and	and	CCONJ
arjefm-95	68	56	nashville	nashville	PROPN
arjefm-95	68	57	.	.	PUNCT
arjefm-95	69	1	carr	carr	PROPN
arjefm-95	69	2	and	and	CCONJ
arjefm-95	69	3	megbolugbe	megbolugbe	NOUN
arjefm-95	69	4	also	also	ADV
arjefm-95	69	5	asserted	assert	VERB
arjefm-95	69	6	that	that	SCONJ
arjefm-95	69	7	the	the	DET
arjefm-95	69	8	boston	boston	PROPN
arjefm-95	69	9	fed	fed	PROPN
arjefm-95	69	10	study	study	PROPN
arjefm-95	69	11	found	find	VERB
arjefm-95	69	12	no	no	DET
arjefm-95	69	13	evidence	evidence	NOUN
arjefm-95	69	14	that	that	SCONJ
arjefm-95	69	15	lenders	lender	NOUN
arjefm-95	69	16	in	in	ADP
arjefm-95	69	17	boston	boston	PROPN
arjefm-95	69	18	denied	deny	VERB
arjefm-95	69	19	loans	loan	NOUN
arjefm-95	69	20	to	to	ADP
arjefm-95	69	21	an	an	DET
arjefm-95	69	22	area	area	NOUN
arjefm-95	69	23	because	because	SCONJ
arjefm-95	69	24	it	it	PRON
arjefm-95	69	25	has	have	VERB
arjefm-95	69	26	a	a	DET
arjefm-95	69	27	large	large	ADJ
arjefm-95	69	28	proportion	proportion	NOUN
arjefm-95	69	29	of	of	ADP
arjefm-95	69	30	minority	minority	NOUN
arjefm-95	69	31	residents	resident	NOUN
arjefm-95	69	32	.	.	PUNCT
arjefm-95	70	1	they	they	PRON
arjefm-95	70	2	further	far	ADV
arjefm-95	70	3	contended	contend	VERB
arjefm-95	70	4	that	that	SCONJ
arjefm-95	70	5	a	a	DET
arjefm-95	70	6	limitation	limitation	NOUN
arjefm-95	70	7	of	of	ADP
arjefm-95	70	8	research	research	NOUN
arjefm-95	70	9	which	which	PRON
arjefm-95	70	10	attempts	attempt	VERB
arjefm-95	70	11	to	to	PART
arjefm-95	70	12	show	show	VERB
arjefm-95	70	13	redlining	redline	VERB
arjefm-95	70	14	is	be	AUX
arjefm-95	70	15	that	that	PRON
arjefm-95	70	16	important	important	ADJ
arjefm-95	70	17	information	information	NOUN
arjefm-95	70	18	which	which	PRON
arjefm-95	70	19	contributes	contribute	VERB
arjefm-95	70	20	to	to	ADP
arjefm-95	70	21	the	the	DET
arjefm-95	70	22	borrower	borrower	NOUN
arjefm-95	70	23	’s	’s	PART
arjefm-95	70	24	creditworthiness	creditworthiness	NOUN
arjefm-95	70	25	is	be	AUX
arjefm-95	70	26	disregarded	disregarded	ADJ
arjefm-95	70	27	.	.	PUNCT
arjefm-95	71	1	in	in	ADP
arjefm-95	71	2	an	an	DET
arjefm-95	71	3	investigation	investigation	NOUN
arjefm-95	71	4	of	of	ADP
arjefm-95	71	5	the	the	DET
arjefm-95	71	6	determining	determine	VERB
arjefm-95	71	7	factors	factor	NOUN
arjefm-95	71	8	to	to	PART
arjefm-95	71	9	differential	differential	VERB
arjefm-95	71	10	lending	lending	NOUN
arjefm-95	71	11	rates	rate	NOUN
arjefm-95	71	12	,	,	PUNCT
arjefm-95	71	13	ferguson	ferguson	PROPN
arjefm-95	71	14	and	and	CCONJ
arjefm-95	71	15	peters	peters	PROPN
arjefm-95	71	16	(	(	PUNCT
arjefm-95	71	17	1995	1995	NUM
arjefm-95	71	18	)	)	PUNCT
arjefm-95	71	19	found	find	VERB
arjefm-95	71	20	that	that	SCONJ
arjefm-95	71	21	some	some	DET
arjefm-95	71	22	commercial	commercial	ADJ
arjefm-95	71	23	banks	bank	NOUN
arjefm-95	71	24	and	and	CCONJ
arjefm-95	71	25	mortgage	mortgage	NOUN
arjefm-95	71	26	lenders	lender	NOUN
arjefm-95	71	27	applied	apply	VERB
arjefm-95	71	28	different	different	ADJ
arjefm-95	71	29	credit	credit	NOUN
arjefm-95	71	30	standards	standard	NOUN
arjefm-95	71	31	to	to	ADP
arjefm-95	71	32	different	different	ADJ
arjefm-95	71	33	population	population	NOUN
arjefm-95	71	34	groups	group	NOUN
arjefm-95	71	35	.	.	PUNCT
arjefm-95	72	1	therefore	therefore	ADV
arjefm-95	72	2	,	,	PUNCT
arjefm-95	72	3	since	since	SCONJ
arjefm-95	72	4	credit	credit	NOUN
arjefm-95	72	5	risks	risk	NOUN
arjefm-95	72	6	were	be	AUX
arjefm-95	72	7	unequally	unequally	ADV
arjefm-95	72	8	assigned	assign	VERB
arjefm-95	72	9	to	to	ADP
arjefm-95	72	10	different	different	ADJ
arjefm-95	72	11	population	population	NOUN
arjefm-95	72	12	segments	segment	NOUN
arjefm-95	72	13	,	,	PUNCT
arjefm-95	72	14	they	they	PRON
arjefm-95	72	15	concluded	conclude	VERB
arjefm-95	72	16	that	that	SCONJ
arjefm-95	72	17	“	"	PUNCT
arjefm-95	72	18	color	color	NOUN
arjefm-95	72	19	blind	blind	ADJ
arjefm-95	72	20	”	"	PUNCT
arjefm-95	72	21	lending	lending	NOUN
arjefm-95	72	22	would	would	AUX
arjefm-95	72	23	not	not	PART
arjefm-95	72	24	result	result	VERB
arjefm-95	72	25	in	in	ADP
arjefm-95	72	26	equal	equal	ADJ
arjefm-95	72	27	denial	denial	NOUN
arjefm-95	72	28	or	or	CCONJ
arjefm-95	72	29	default	default	NOUN
arjefm-95	72	30	rates	rate	NOUN
arjefm-95	72	31	across	across	ADP
arjefm-95	72	32	different	different	ADJ
arjefm-95	72	33	segments	segment	NOUN
arjefm-95	72	34	of	of	ADP
arjefm-95	72	35	the	the	DET
arjefm-95	72	36	population	population	NOUN
arjefm-95	72	37	.	.	PUNCT
arjefm-95	73	1	other	other	ADJ
arjefm-95	73	2	definitions	definition	NOUN
arjefm-95	73	3	of	of	ADP
arjefm-95	73	4	lending	lending	NOUN
arjefm-95	73	5	discrimination	discrimination	NOUN
arjefm-95	73	6	centered	center	VERB
arjefm-95	73	7	on	on	ADP
arjefm-95	73	8	the	the	DET
arjefm-95	73	9	basis	basis	NOUN
arjefm-95	73	10	of	of	ADP
arjefm-95	73	11	the	the	DET
arjefm-95	73	12	concept	concept	NOUN
arjefm-95	73	13	of	of	ADP
arjefm-95	73	14	statistical	statistical	ADJ
arjefm-95	73	15	discrimination	discrimination	NOUN
arjefm-95	73	16	(	(	PUNCT
arjefm-95	73	17	phelps	phelp	NOUN
arjefm-95	73	18	,	,	PUNCT
arjefm-95	73	19	1972	1972	NUM
arjefm-95	73	20	;	;	PUNCT
arjefm-95	73	21	han	han	PROPN
arjefm-95	73	22	,	,	PUNCT
arjefm-95	73	23	2004	2004	NUM
arjefm-95	73	24	)	)	PUNCT
arjefm-95	73	25	.	.	PUNCT
arjefm-95	74	1	according	accord	VERB
arjefm-95	74	2	to	to	ADP
arjefm-95	74	3	phelps	phelp	NOUN
arjefm-95	74	4	,	,	PUNCT
arjefm-95	74	5	statistical	statistical	ADJ
arjefm-95	74	6	discrimination	discrimination	NOUN
arjefm-95	74	7	is	be	AUX
arjefm-95	74	8	a	a	DET
arjefm-95	74	9	practice	practice	NOUN
arjefm-95	74	10	in	in	ADP
arjefm-95	74	11	which	which	PRON
arjefm-95	74	12	a	a	DET
arjefm-95	74	13	lender	lender	NOUN
arjefm-95	74	14	,	,	PUNCT
arjefm-95	74	15	lacking	lack	VERB
arjefm-95	74	16	full	full	ADJ
arjefm-95	74	17	information	information	NOUN
arjefm-95	74	18	on	on	ADP
arjefm-95	74	19	a	a	DET
arjefm-95	74	20	borrower	borrower	NOUN
arjefm-95	74	21	’s	’s	PART
arjefm-95	74	22	creditworthiness	creditworthiness	NOUN
arjefm-95	74	23	,	,	PUNCT
arjefm-95	74	24	applies	apply	VERB
arjefm-95	74	25	group	group	NOUN
arjefm-95	74	26	stereotypes	stereotype	VERB
arjefm-95	74	27	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	74	28	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	74	29	american	american	PROPN
arjefm-95	74	30	research	research	PROPN
arjefm-95	74	31	journal	journal	PROPN
arjefm-95	74	32	of	of	ADP
arjefm-95	74	33	economics	economic	NOUN
arjefm-95	74	34	,	,	PUNCT
arjefm-95	74	35	finance	finance	NOUN
arjefm-95	74	36	and	and	CCONJ
arjefm-95	74	37	management	management	NOUN
arjefm-95	74	38	volume	volume	NOUN
arjefm-95	74	39	11	11	NUM
arjefm-95	74	40	issue	issue	NOUN
arjefm-95	74	41	4	4	NUM
arjefm-95	74	42	,	,	PUNCT
arjefm-95	74	43	october	october	PROPN
arjefm-95	74	44	-	-	PUNCT
arjefm-95	74	45	december	december	PROPN
arjefm-95	74	46	2023	2023	NUM
arjefm-95	74	47	issn	issn	NOUN
arjefm-95	74	48	:	:	PUNCT
arjefm-95	74	49	2836	2836	NUM
arjefm-95	74	50	-	-	SYM
arjefm-95	74	51	9416	9416	NUM
arjefm-95	74	52	impact	impact	NOUN
arjefm-95	74	53	factor	factor	NOUN
arjefm-95	74	54	:	:	PUNCT
arjefm-95	74	55	5.57	5.57	NUM
arjefm-95	74	56	journal	journal	NOUN
arjefm-95	74	57	homepage	homepage	NOUN
arjefm-95	74	58	:	:	PUNCT
arjefm-95	74	59	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	74	60	,	,	PUNCT
arjefm-95	74	61	email	email	NOUN
arjefm-95	74	62	:	:	PUNCT
arjefm-95	74	63	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-95	74	64	official	official	ADJ
arjefm-95	74	65	journal	journal	PROPN
arjefm-95	74	66	of	of	ADP
arjefm-95	74	67	america	america	PROPN
arjefm-95	74	68	serial	serial	PROPN
arjefm-95	74	69	publication	publication	NOUN
arjefm-95	74	70	american	american	PROPN
arjefm-95	74	71	research	research	PROPN
arjefm-95	74	72	journal	journal	PROPN
arjefm-95	74	73	of	of	ADP
arjefm-95	74	74	economics	economic	NOUN
arjefm-95	74	75	,	,	PUNCT
arjefm-95	74	76	finance	finance	NOUN
arjefm-95	74	77	and	and	CCONJ
arjefm-95	74	78	management	management	NOUN
arjefm-95	74	79	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	74	80	,	,	PUNCT
arjefm-95	74	81	email	email	NOUN
arjefm-95	74	82	:	:	PUNCT
arjefm-95	75	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-95	75	2	80	80	NUM
arjefm-95	76	1	|	|	ADV
arjefm-95	76	2	p	p	X
arjefm-95	76	3	a	a	DET
arjefm-95	76	4	g	g	NOUN
arjefm-95	76	5	e	e	NOUN
arjefm-95	76	6	to	to	ADP
arjefm-95	76	7	individual	individual	ADJ
arjefm-95	76	8	borrowers	borrower	NOUN
arjefm-95	76	9	in	in	ADP
arjefm-95	76	10	evaluating	evaluate	VERB
arjefm-95	76	11	loan	loan	NOUN
arjefm-95	76	12	applications	application	NOUN
arjefm-95	76	13	.	.	PUNCT
arjefm-95	77	1	in	in	ADP
arjefm-95	77	2	han	han	PROPN
arjefm-95	77	3	’s	’s	PART
arjefm-95	77	4	study	study	NOUN
arjefm-95	77	5	,	,	PUNCT
arjefm-95	77	6	the	the	DET
arjefm-95	77	7	reiteration	reiteration	NOUN
arjefm-95	77	8	of	of	ADP
arjefm-95	77	9	this	this	DET
arjefm-95	77	10	type	type	NOUN
arjefm-95	77	11	of	of	ADP
arjefm-95	77	12	discrimination	discrimination	NOUN
arjefm-95	77	13	was	be	AUX
arjefm-95	77	14	investigated	investigate	VERB
arjefm-95	77	15	and	and	CCONJ
arjefm-95	77	16	it	it	PRON
arjefm-95	77	17	was	be	AUX
arjefm-95	77	18	determined	determine	VERB
arjefm-95	77	19	that	that	SCONJ
arjefm-95	77	20	since	since	SCONJ
arjefm-95	77	21	statistical	statistical	ADJ
arjefm-95	77	22	discrimination	discrimination	NOUN
arjefm-95	77	23	implied	imply	VERB
arjefm-95	77	24	higher	high	ADJ
arjefm-95	77	25	rejection	rejection	NOUN
arjefm-95	77	26	rates	rate	NOUN
arjefm-95	77	27	for	for	ADP
arjefm-95	77	28	minority	minority	NOUN
arjefm-95	77	29	applicants	applicant	NOUN
arjefm-95	77	30	,	,	PUNCT
arjefm-95	77	31	rejection	rejection	NOUN
arjefm-95	77	32	rates	rate	NOUN
arjefm-95	77	33	would	would	AUX
arjefm-95	77	34	not	not	PART
arjefm-95	77	35	be	be	AUX
arjefm-95	77	36	a	a	DET
arjefm-95	77	37	reliable	reliable	ADJ
arjefm-95	77	38	measure	measure	NOUN
arjefm-95	77	39	of	of	ADP
arjefm-95	77	40	discrimination	discrimination	NOUN
arjefm-95	77	41	in	in	ADP
arjefm-95	77	42	lending	lending	NOUN
arjefm-95	77	43	.	.	PUNCT
arjefm-95	78	1	han	han	PROPN
arjefm-95	78	2	concluded	conclude	VERB
arjefm-95	78	3	that	that	SCONJ
arjefm-95	78	4	statistical	statistical	ADJ
arjefm-95	78	5	discrimination	discrimination	NOUN
arjefm-95	78	6	would	would	AUX
arjefm-95	78	7	imply	imply	VERB
arjefm-95	78	8	that	that	SCONJ
arjefm-95	78	9	loans	loan	NOUN
arjefm-95	78	10	to	to	ADP
arjefm-95	78	11	minority	minority	NOUN
arjefm-95	78	12	borrowers	borrower	NOUN
arjefm-95	78	13	have	have	VERB
arjefm-95	78	14	smaller	small	ADJ
arjefm-95	78	15	sizes	size	NOUN
arjefm-95	78	16	than	than	ADP
arjefm-95	78	17	those	those	PRON
arjefm-95	78	18	to	to	ADP
arjefm-95	78	19	majority	majority	NOUN
arjefm-95	78	20	borrowers	borrower	NOUN
arjefm-95	78	21	with	with	ADP
arjefm-95	78	22	the	the	DET
arjefm-95	78	23	same	same	ADJ
arjefm-95	78	24	characteristics	characteristic	NOUN
arjefm-95	78	25	observed	observe	VERB
arjefm-95	78	26	by	by	ADP
arjefm-95	78	27	lenders	lender	NOUN
arjefm-95	78	28	at	at	ADP
arjefm-95	78	29	the	the	DET
arjefm-95	78	30	time	time	NOUN
arjefm-95	78	31	of	of	ADP
arjefm-95	78	32	loan	loan	NOUN
arjefm-95	78	33	originations	origination	NOUN
arjefm-95	78	34	.	.	PUNCT
arjefm-95	79	1	also	also	ADV
arjefm-95	79	2	,	,	PUNCT
arjefm-95	79	3	han	han	PROPN
arjefm-95	79	4	(	(	PUNCT
arjefm-95	79	5	2004	2004	NUM
arjefm-95	79	6	)	)	PUNCT
arjefm-95	79	7	found	find	VERB
arjefm-95	79	8	that	that	SCONJ
arjefm-95	79	9	loans	loan	NOUN
arjefm-95	79	10	to	to	ADP
arjefm-95	79	11	minority	minority	NOUN
arjefm-95	79	12	borrowers	borrower	NOUN
arjefm-95	79	13	carried	carry	VERB
arjefm-95	79	14	higher	high	ADJ
arjefm-95	79	15	interest	interest	NOUN
arjefm-95	79	16	rates	rate	NOUN
arjefm-95	79	17	.	.	PUNCT
arjefm-95	80	1	ladd	ladd	NOUN
arjefm-95	80	2	(	(	PUNCT
arjefm-95	80	3	1998	1998	NUM
arjefm-95	80	4	)	)	PUNCT
arjefm-95	80	5	attributed	attribute	VERB
arjefm-95	80	6	a	a	DET
arjefm-95	80	7	profit	profit	NOUN
arjefm-95	80	8	motive	motive	NOUN
arjefm-95	80	9	for	for	ADP
arjefm-95	80	10	financial	financial	ADJ
arjefm-95	80	11	institutions	institution	NOUN
arjefm-95	80	12	in	in	ADP
arjefm-95	80	13	discriminating	discriminate	VERB
arjefm-95	80	14	against	against	ADP
arjefm-95	80	15	minority	minority	NOUN
arjefm-95	80	16	borrowers	borrower	NOUN
arjefm-95	80	17	.	.	PUNCT
arjefm-95	81	1	ladd	ladd	PROPN
arjefm-95	81	2	asserted	assert	VERB
arjefm-95	81	3	that	that	SCONJ
arjefm-95	81	4	,	,	PUNCT
arjefm-95	81	5	despite	despite	SCONJ
arjefm-95	81	6	the	the	DET
arjefm-95	81	7	efforts	effort	NOUN
arjefm-95	81	8	of	of	ADP
arjefm-95	81	9	the	the	DET
arjefm-95	81	10	federal	federal	ADJ
arjefm-95	81	11	government	government	NOUN
arjefm-95	81	12	through	through	ADP
arjefm-95	81	13	actions	action	NOUN
arjefm-95	81	14	such	such	ADJ
arjefm-95	81	15	as	as	ADP
arjefm-95	81	16	the	the	DET
arjefm-95	81	17	fair	fair	ADJ
arjefm-95	81	18	housing	housing	PROPN
arjefm-95	81	19	act	act	NOUN
arjefm-95	81	20	of	of	ADP
arjefm-95	81	21	1968	1968	NUM
arjefm-95	81	22	and	and	CCONJ
arjefm-95	81	23	equal	equal	ADJ
arjefm-95	81	24	credit	credit	NOUN
arjefm-95	81	25	opportunity	opportunity	NOUN
arjefm-95	81	26	act	act	NOUN
arjefm-95	81	27	of	of	ADP
arjefm-95	81	28	1974	1974	NUM
arjefm-95	81	29	,	,	PUNCT
arjefm-95	81	30	to	to	PART
arjefm-95	81	31	promote	promote	VERB
arjefm-95	81	32	fairness	fairness	NOUN
arjefm-95	81	33	and	and	CCONJ
arjefm-95	81	34	to	to	PART
arjefm-95	81	35	combat	combat	VERB
arjefm-95	81	36	discrimination	discrimination	NOUN
arjefm-95	81	37	in	in	ADP
arjefm-95	81	38	lending	lending	NOUN
arjefm-95	81	39	,	,	PUNCT
arjefm-95	81	40	lending	lending	NOUN
arjefm-95	81	41	institutions	institution	NOUN
arjefm-95	81	42	could	could	AUX
arjefm-95	81	43	still	still	ADV
arjefm-95	81	44	have	have	VERB
arjefm-95	81	45	a	a	DET
arjefm-95	81	46	profit	profit	NOUN
arjefm-95	81	47	-	-	PUNCT
arjefm-95	81	48	oriented	orient	VERB
arjefm-95	81	49	motive	motive	NOUN
arjefm-95	81	50	towards	towards	ADP
arjefm-95	81	51	discriminating	discriminate	VERB
arjefm-95	81	52	against	against	ADP
arjefm-95	81	53	minorities	minority	NOUN
arjefm-95	81	54	.	.	PUNCT
arjefm-95	82	1	in	in	ADP
arjefm-95	82	2	her	her	PRON
arjefm-95	82	3	study	study	NOUN
arjefm-95	82	4	,	,	PUNCT
arjefm-95	82	5	if	if	SCONJ
arjefm-95	82	6	institutions	institution	NOUN
arjefm-95	82	7	expected	expect	VERB
arjefm-95	82	8	minorities	minority	NOUN
arjefm-95	82	9	on	on	ADP
arjefm-95	82	10	average	average	ADJ
arjefm-95	82	11	to	to	PART
arjefm-95	82	12	have	have	VERB
arjefm-95	82	13	higher	high	ADJ
arjefm-95	82	14	default	default	NOUN
arjefm-95	82	15	rates	rate	NOUN
arjefm-95	82	16	than	than	ADP
arjefm-95	82	17	whites	white	NOUN
arjefm-95	82	18	,	,	PUNCT
arjefm-95	82	19	then	then	ADV
arjefm-95	82	20	lenders	lender	NOUN
arjefm-95	82	21	might	might	AUX
arjefm-95	82	22	believe	believe	VERB
arjefm-95	82	23	that	that	SCONJ
arjefm-95	82	24	discrimination	discrimination	NOUN
arjefm-95	82	25	against	against	ADP
arjefm-95	82	26	minorities	minority	NOUN
arjefm-95	82	27	in	in	ADP
arjefm-95	82	28	the	the	DET
arjefm-95	82	29	labor	labor	NOUN
arjefm-95	82	30	market	market	NOUN
arjefm-95	82	31	could	could	AUX
arjefm-95	82	32	make	make	VERB
arjefm-95	82	33	the	the	DET
arjefm-95	82	34	income	income	NOUN
arjefm-95	82	35	of	of	ADP
arjefm-95	82	36	minorities	minority	NOUN
arjefm-95	82	37	more	more	ADV
arjefm-95	82	38	volatile	volatile	ADJ
arjefm-95	82	39	on	on	ADP
arjefm-95	82	40	average	average	ADJ
arjefm-95	82	41	over	over	ADP
arjefm-95	82	42	the	the	DET
arjefm-95	82	43	economic	economic	ADJ
arjefm-95	82	44	cycle	cycle	NOUN
arjefm-95	82	45	than	than	ADP
arjefm-95	82	46	that	that	PRON
arjefm-95	82	47	of	of	ADP
arjefm-95	82	48	whites	white	NOUN
arjefm-95	82	49	and	and	CCONJ
arjefm-95	82	50	hence	hence	ADV
arjefm-95	82	51	making	make	VERB
arjefm-95	82	52	minorities	minority	NOUN
arjefm-95	82	53	more	more	ADV
arjefm-95	82	54	likely	likely	ADJ
arjefm-95	82	55	to	to	PART
arjefm-95	82	56	default	default	VERB
arjefm-95	82	57	.	.	PUNCT
arjefm-95	83	1	the	the	DET
arjefm-95	83	2	notion	notion	NOUN
arjefm-95	83	3	speculated	speculate	VERB
arjefm-95	83	4	by	by	ADP
arjefm-95	83	5	these	these	DET
arjefm-95	83	6	lenders	lender	NOUN
arjefm-95	83	7	would	would	AUX
arjefm-95	83	8	be	be	AUX
arjefm-95	83	9	cheaper	cheap	ADJ
arjefm-95	83	10	screening	screen	VERB
arjefm-95	83	11	device	device	NOUN
arjefm-95	83	12	than	than	ADP
arjefm-95	83	13	other	other	ADJ
arjefm-95	83	14	ways	way	NOUN
arjefm-95	83	15	which	which	PRON
arjefm-95	83	16	would	would	AUX
arjefm-95	83	17	be	be	AUX
arjefm-95	83	18	used	use	VERB
arjefm-95	83	19	to	to	PART
arjefm-95	83	20	distinguish	distinguish	VERB
arjefm-95	83	21	between	between	ADP
arjefm-95	83	22	the	the	DET
arjefm-95	83	23	quality	quality	NOUN
arjefm-95	83	24	of	of	ADP
arjefm-95	83	25	similar	similar	ADJ
arjefm-95	83	26	applicants	applicant	NOUN
arjefm-95	83	27	.	.	PUNCT
arjefm-95	84	1	although	although	SCONJ
arjefm-95	84	2	much	much	ADJ
arjefm-95	84	3	of	of	ADP
arjefm-95	84	4	the	the	DET
arjefm-95	84	5	research	research	NOUN
arjefm-95	84	6	conducted	conduct	VERB
arjefm-95	84	7	concerning	concern	VERB
arjefm-95	84	8	lending	lending	NOUN
arjefm-95	84	9	discrimination	discrimination	NOUN
arjefm-95	84	10	was	be	AUX
arjefm-95	84	11	based	base	VERB
arjefm-95	84	12	on	on	ADP
arjefm-95	84	13	denial	denial	NOUN
arjefm-95	84	14	and	and	CCONJ
arjefm-95	84	15	default	default	NOUN
arjefm-95	84	16	rates	rate	NOUN
arjefm-95	84	17	,	,	PUNCT
arjefm-95	84	18	discrimination	discrimination	NOUN
arjefm-95	84	19	can	can	AUX
arjefm-95	84	20	also	also	ADV
arjefm-95	84	21	exist	exist	VERB
arjefm-95	84	22	by	by	ADP
arjefm-95	84	23	lenders	lender	NOUN
arjefm-95	84	24	refusing	refuse	VERB
arjefm-95	84	25	to	to	PART
arjefm-95	84	26	service	service	VERB
arjefm-95	84	27	a	a	DET
arjefm-95	84	28	particular	particular	ADJ
arjefm-95	84	29	area	area	NOUN
arjefm-95	84	30	which	which	PRON
arjefm-95	84	31	is	be	AUX
arjefm-95	84	32	within	within	ADP
arjefm-95	84	33	their	their	PRON
arjefm-95	84	34	servicing	servicing	NOUN
arjefm-95	84	35	area	area	NOUN
arjefm-95	84	36	typically	typically	ADV
arjefm-95	84	37	known	know	VERB
arjefm-95	84	38	as	as	ADP
arjefm-95	84	39	redlining	redline	VERB
arjefm-95	84	40	.	.	PUNCT
arjefm-95	85	1	numerous	numerous	ADJ
arjefm-95	85	2	studies	study	NOUN
arjefm-95	85	3	have	have	AUX
arjefm-95	85	4	indicated	indicate	VERB
arjefm-95	85	5	evidence	evidence	NOUN
arjefm-95	85	6	that	that	SCONJ
arjefm-95	85	7	discrimination	discrimination	NOUN
arjefm-95	85	8	may	may	AUX
arjefm-95	85	9	have	have	AUX
arjefm-95	85	10	been	be	AUX
arjefm-95	85	11	committed	commit	VERB
arjefm-95	85	12	through	through	ADP
arjefm-95	85	13	the	the	DET
arjefm-95	85	14	use	use	NOUN
arjefm-95	85	15	of	of	ADP
arjefm-95	85	16	this	this	DET
arjefm-95	85	17	tool	tool	NOUN
arjefm-95	85	18	as	as	ADV
arjefm-95	85	19	well	well	ADV
arjefm-95	85	20	.	.	PUNCT
arjefm-95	86	1	in	in	ADP
arjefm-95	86	2	a	a	DET
arjefm-95	86	3	comprehensive	comprehensive	ADJ
arjefm-95	86	4	study	study	NOUN
arjefm-95	86	5	of	of	ADP
arjefm-95	86	6	lending	lending	NOUN
arjefm-95	86	7	behavior	behavior	NOUN
arjefm-95	86	8	,	,	PUNCT
arjefm-95	86	9	schafer	schafer	NOUN
arjefm-95	86	10	and	and	CCONJ
arjefm-95	86	11	ladd	ladd	PROPN
arjefm-95	86	12	(	(	PUNCT
arjefm-95	86	13	1981	1981	NUM
arjefm-95	86	14	)	)	PUNCT
arjefm-95	86	15	analyzed	analyze	VERB
arjefm-95	86	16	lending	lending	NOUN
arjefm-95	86	17	data	datum	NOUN
arjefm-95	86	18	on	on	ADP
arjefm-95	86	19	commercial	commercial	ADJ
arjefm-95	86	20	banks	bank	NOUN
arjefm-95	86	21	,	,	PUNCT
arjefm-95	86	22	mutual	mutual	ADJ
arjefm-95	86	23	savings	saving	NOUN
arjefm-95	86	24	banks	bank	NOUN
arjefm-95	86	25	,	,	PUNCT
arjefm-95	86	26	and	and	CCONJ
arjefm-95	86	27	savings	saving	NOUN
arjefm-95	86	28	and	and	CCONJ
arjefm-95	86	29	loan	loan	NOUN
arjefm-95	86	30	companies	company	NOUN
arjefm-95	86	31	in	in	ADP
arjefm-95	86	32	california	california	PROPN
arjefm-95	86	33	and	and	CCONJ
arjefm-95	86	34	new	new	PROPN
arjefm-95	86	35	york	york	PROPN
arjefm-95	86	36	,	,	PUNCT
arjefm-95	86	37	and	and	CCONJ
arjefm-95	86	38	tested	test	VERB
arjefm-95	86	39	for	for	ADP
arjefm-95	86	40	discrimination	discrimination	NOUN
arjefm-95	86	41	against	against	ADP
arjefm-95	86	42	a	a	DET
arjefm-95	86	43	wide	wide	ADJ
arjefm-95	86	44	variety	variety	NOUN
arjefm-95	86	45	of	of	ADP
arjefm-95	86	46	groups	group	NOUN
arjefm-95	86	47	based	base	VERB
arjefm-95	86	48	on	on	ADP
arjefm-95	86	49	race	race	NOUN
arjefm-95	86	50	,	,	PUNCT
arjefm-95	86	51	gender	gender	NOUN
arjefm-95	86	52	,	,	PUNCT
arjefm-95	86	53	and	and	CCONJ
arjefm-95	86	54	marital	marital	ADJ
arjefm-95	86	55	status	status	NOUN
arjefm-95	86	56	.	.	PUNCT
arjefm-95	87	1	from	from	ADP
arjefm-95	87	2	their	their	PRON
arjefm-95	87	3	investigation	investigation	NOUN
arjefm-95	87	4	,	,	PUNCT
arjefm-95	87	5	they	they	PRON
arjefm-95	87	6	found	find	VERB
arjefm-95	87	7	evidence	evidence	NOUN
arjefm-95	87	8	of	of	ADP
arjefm-95	87	9	discrimination	discrimination	NOUN
arjefm-95	87	10	based	base	VERB
arjefm-95	87	11	on	on	ADP
arjefm-95	87	12	races	race	NOUN
arjefm-95	87	13	.	.	PUNCT
arjefm-95	88	1	in	in	ADP
arjefm-95	88	2	18	18	NUM
arjefm-95	88	3	of	of	ADP
arjefm-95	88	4	the	the	DET
arjefm-95	88	5	32	32	NUM
arjefm-95	88	6	california	california	PROPN
arjefm-95	88	7	areas	area	NOUN
arjefm-95	88	8	and	and	CCONJ
arjefm-95	88	9	six	six	NUM
arjefm-95	88	10	of	of	ADP
arjefm-95	88	11	the	the	DET
arjefm-95	88	12	ten	ten	NUM
arjefm-95	88	13	new	new	PROPN
arjefm-95	88	14	york	york	PROPN
arjefm-95	88	15	areas	area	NOUN
arjefm-95	88	16	,	,	PUNCT
arjefm-95	88	17	black	black	ADJ
arjefm-95	88	18	applicants	applicant	NOUN
arjefm-95	88	19	had	have	VERB
arjefm-95	88	20	significantly	significantly	ADV
arjefm-95	88	21	higher	high	ADJ
arjefm-95	88	22	chances	chance	NOUN
arjefm-95	88	23	of	of	ADP
arjefm-95	88	24	loan	loan	NOUN
arjefm-95	88	25	denials	denial	NOUN
arjefm-95	88	26	than	than	ADP
arjefm-95	88	27	similar	similar	ADJ
arjefm-95	88	28	white	white	ADJ
arjefm-95	88	29	applicants	applicant	NOUN
arjefm-95	88	30	.	.	PUNCT
arjefm-95	89	1	furthermore	furthermore	ADV
arjefm-95	89	2	,	,	PUNCT
arjefm-95	89	3	they	they	PRON
arjefm-95	89	4	found	find	VERB
arjefm-95	89	5	that	that	SCONJ
arjefm-95	89	6	black	black	ADJ
arjefm-95	89	7	applicants	applicant	NOUN
arjefm-95	89	8	were	be	AUX
arjefm-95	89	9	1.58	1.58	NUM
arjefm-95	89	10	to	to	ADP
arjefm-95	89	11	7.82	7.82	NUM
arjefm-95	89	12	times	time	NOUN
arjefm-95	89	13	as	as	ADV
arjefm-95	89	14	likely	likely	ADJ
arjefm-95	89	15	to	to	PART
arjefm-95	89	16	be	be	AUX
arjefm-95	89	17	denied	deny	VERB
arjefm-95	89	18	as	as	ADP
arjefm-95	89	19	whites	white	NOUN
arjefm-95	89	20	.	.	PUNCT
arjefm-95	90	1	ladd	ladd	NOUN
arjefm-95	90	2	(	(	PUNCT
arjefm-95	90	3	1998	1998	NUM
arjefm-95	90	4	)	)	PUNCT
arjefm-95	90	5	found	find	VERB
arjefm-95	90	6	that	that	SCONJ
arjefm-95	90	7	the	the	DET
arjefm-95	90	8	issue	issue	NOUN
arjefm-95	90	9	with	with	ADP
arjefm-95	90	10	loan	loan	NOUN
arjefm-95	90	11	denials	denial	NOUN
arjefm-95	90	12	stemmed	stem	VERB
arjefm-95	90	13	around	around	ADP
arjefm-95	90	14	setting	set	VERB
arjefm-95	90	15	higher	high	ADJ
arjefm-95	90	16	cutoffs	cutoff	NOUN
arjefm-95	90	17	in	in	ADP
arjefm-95	90	18	terms	term	NOUN
arjefm-95	90	19	of	of	ADP
arjefm-95	90	20	creditworthiness	creditworthiness	NOUN
arjefm-95	90	21	for	for	ADP
arjefm-95	90	22	minorities	minority	NOUN
arjefm-95	90	23	than	than	ADP
arjefm-95	90	24	for	for	ADP
arjefm-95	90	25	whites	white	NOUN
arjefm-95	90	26	so	so	SCONJ
arjefm-95	90	27	that	that	SCONJ
arjefm-95	90	28	the	the	DET
arjefm-95	90	29	minorities	minority	NOUN
arjefm-95	90	30	who	who	PRON
arjefm-95	90	31	received	receive	VERB
arjefm-95	90	32	loans	loan	NOUN
arjefm-95	90	33	would	would	AUX
arjefm-95	90	34	be	be	AUX
arjefm-95	90	35	more	more	ADV
arjefm-95	90	36	creditworthy	creditworthy	ADJ
arjefm-95	90	37	than	than	ADP
arjefm-95	90	38	the	the	DET
arjefm-95	90	39	whites	white	NOUN
arjefm-95	90	40	who	who	PRON
arjefm-95	90	41	received	receive	VERB
arjefm-95	90	42	loans	loan	NOUN
arjefm-95	90	43	.	.	PUNCT
arjefm-95	91	1	the	the	DET
arjefm-95	91	2	situation	situation	NOUN
arjefm-95	91	3	places	place	VERB
arjefm-95	91	4	a	a	DET
arjefm-95	91	5	standard	standard	NOUN
arjefm-95	91	6	higher	high	ADJ
arjefm-95	91	7	than	than	ADP
arjefm-95	91	8	the	the	DET
arjefm-95	91	9	requirements	requirement	NOUN
arjefm-95	91	10	set	set	VERB
arjefm-95	91	11	forth	forth	ADP
arjefm-95	91	12	by	by	ADP
arjefm-95	91	13	the	the	DET
arjefm-95	91	14	lending	lending	NOUN
arjefm-95	91	15	company	company	NOUN
arjefm-95	91	16	.	.	PUNCT
arjefm-95	92	1	the	the	DET
arjefm-95	92	2	model	model	NOUN
arjefm-95	92	3	similar	similar	ADJ
arjefm-95	92	4	to	to	ADP
arjefm-95	92	5	previous	previous	ADJ
arjefm-95	92	6	studies	study	NOUN
arjefm-95	92	7	,	,	PUNCT
arjefm-95	92	8	we	we	PRON
arjefm-95	92	9	posit	posit	VERB
arjefm-95	92	10	that	that	PRON
arjefm-95	92	11	loan	loan	NOUN
arjefm-95	92	12	denial	denial	NOUN
arjefm-95	92	13	rates	rate	NOUN
arjefm-95	92	14	will	will	AUX
arjefm-95	92	15	be	be	AUX
arjefm-95	92	16	higher	high	ADJ
arjefm-95	92	17	for	for	ADP
arjefm-95	92	18	minority	minority	NOUN
arjefm-95	92	19	populations	population	NOUN
arjefm-95	92	20	in	in	ADP
arjefm-95	92	21	the	the	DET
arjefm-95	92	22	three	three	NUM
arjefm-95	92	23	jacksonmetropolitan	jacksonmetropolitan	ADJ
arjefm-95	92	24	counties	county	NOUN
arjefm-95	92	25	of	of	ADP
arjefm-95	92	26	hinds	hinds	PROPN
arjefm-95	92	27	,	,	PUNCT
arjefm-95	92	28	madison	madison	PROPN
arjefm-95	92	29	,	,	PUNCT
arjefm-95	92	30	and	and	CCONJ
arjefm-95	92	31	rankin	rankin	PROPN
arjefm-95	92	32	in	in	ADP
arjefm-95	92	33	mississippi	mississippi	PROPN
arjefm-95	92	34	.	.	PUNCT
arjefm-95	93	1	also	also	ADV
arjefm-95	93	2	,	,	PUNCT
arjefm-95	93	3	we	we	PRON
arjefm-95	93	4	expect	expect	VERB
arjefm-95	93	5	higher	high	ADJ
arjefm-95	93	6	loan	loan	NOUN
arjefm-95	93	7	denial	denial	NOUN
arjefm-95	93	8	rates	rate	NOUN
arjefm-95	93	9	for	for	ADP
arjefm-95	93	10	individuals	individual	NOUN
arjefm-95	93	11	with	with	ADP
arjefm-95	93	12	lower	low	ADJ
arjefm-95	93	13	income	income	NOUN
arjefm-95	93	14	,	,	PUNCT
arjefm-95	93	15	high	high	ADJ
arjefm-95	93	16	loan	loan	NOUN
arjefm-95	93	17	amount	amount	NOUN
arjefm-95	93	18	to	to	ADP
arjefm-95	93	19	income	income	NOUN
arjefm-95	93	20	ratio	ratio	NOUN
arjefm-95	93	21	,	,	PUNCT
arjefm-95	93	22	and	and	CCONJ
arjefm-95	93	23	individuals	individual	NOUN
arjefm-95	93	24	who	who	PRON
arjefm-95	93	25	live	live	VERB
arjefm-95	93	26	in	in	ADP
arjefm-95	93	27	high	high	ADJ
arjefm-95	93	28	minority	minority	NOUN
arjefm-95	93	29	population	population	NOUN
arjefm-95	93	30	.	.	PUNCT
arjefm-95	94	1	the	the	DET
arjefm-95	94	2	analysis	analysis	NOUN
arjefm-95	94	3	will	will	AUX
arjefm-95	94	4	rely	rely	VERB
arjefm-95	94	5	primarily	primarily	ADV
arjefm-95	94	6	on	on	ADP
arjefm-95	94	7	(	(	PUNCT
arjefm-95	94	8	hmda	hmda	ADJ
arjefm-95	94	9	)	)	PUNCT
arjefm-95	94	10	data	datum	NOUN
arjefm-95	94	11	.	.	PUNCT
arjefm-95	95	1	furthermore	furthermore	ADV
arjefm-95	95	2	,	,	PUNCT
arjefm-95	95	3	this	this	DET
arjefm-95	95	4	study	study	NOUN
arjefm-95	95	5	is	be	AUX
arjefm-95	95	6	the	the	DET
arjefm-95	95	7	first	first	ADJ
arjefm-95	95	8	attempt	attempt	NOUN
arjefm-95	95	9	to	to	PART
arjefm-95	95	10	examine	examine	VERB
arjefm-95	95	11	the	the	DET
arjefm-95	95	12	loan	loan	NOUN
arjefm-95	95	13	denial	denial	NOUN
arjefm-95	95	14	rate	rate	NOUN
arjefm-95	95	15	in	in	ADP
arjefm-95	95	16	these	these	DET
arjefm-95	95	17	counties	county	NOUN
arjefm-95	95	18	post	post	VERB
arjefm-95	95	19	the	the	DET
arjefm-95	95	20	2008	2008	NUM
arjefm-95	95	21	financial	financial	ADJ
arjefm-95	95	22	crisis	crisis	NOUN
arjefm-95	95	23	.	.	PUNCT
arjefm-95	96	1	thus	thus	ADV
arjefm-95	96	2	,	,	PUNCT
arjefm-95	96	3	it	it	PRON
arjefm-95	96	4	makes	make	VERB
arjefm-95	96	5	a	a	DET
arjefm-95	96	6	significant	significant	ADJ
arjefm-95	96	7	contribution	contribution	NOUN
arjefm-95	96	8	in	in	ADP
arjefm-95	96	9	appraising	appraise	VERB
arjefm-95	96	10	and	and	CCONJ
arjefm-95	96	11	documenting	document	VERB
arjefm-95	96	12	the	the	DET
arjefm-95	96	13	loan	loan	NOUN
arjefm-95	96	14	denial	denial	NOUN
arjefm-95	96	15	rate	rate	NOUN
arjefm-95	96	16	in	in	ADP
arjefm-95	96	17	jackson	jackson	PROPN
arjefm-95	96	18	(	(	PUNCT
arjefm-95	96	19	msa	msa	PROPN
arjefm-95	96	20	)	)	PUNCT
arjefm-95	96	21	post	post	VERB
arjefm-95	96	22	the	the	DET
arjefm-95	96	23	great	great	ADJ
arjefm-95	96	24	recession	recession	NOUN
arjefm-95	96	25	.	.	PUNCT
arjefm-95	97	1	the	the	DET
arjefm-95	97	2	results	result	NOUN
arjefm-95	97	3	derived	derive	VERB
arjefm-95	97	4	from	from	ADP
arjefm-95	97	5	this	this	DET
arjefm-95	97	6	analysis	analysis	NOUN
arjefm-95	97	7	will	will	AUX
arjefm-95	97	8	then	then	ADV
arjefm-95	97	9	be	be	AUX
arjefm-95	97	10	compared	compare	VERB
arjefm-95	97	11	with	with	ADP
arjefm-95	97	12	other	other	ADJ
arjefm-95	97	13	national	national	ADJ
arjefm-95	97	14	studies	study	NOUN
arjefm-95	97	15	previously	previously	ADV
arjefm-95	97	16	conducted	conduct	VERB
arjefm-95	97	17	in	in	ADP
arjefm-95	97	18	other	other	ADJ
arjefm-95	97	19	regions	region	NOUN
arjefm-95	97	20	of	of	ADP
arjefm-95	97	21	the	the	DET
arjefm-95	97	22	country	country	NOUN
arjefm-95	97	23	.	.	PUNCT
arjefm-95	98	1	the	the	DET
arjefm-95	98	2	analysis	analysis	NOUN
arjefm-95	98	3	will	will	AUX
arjefm-95	98	4	rely	rely	VERB
arjefm-95	98	5	primarily	primarily	ADV
arjefm-95	98	6	on	on	ADP
arjefm-95	98	7	census	census	NOUN
arjefm-95	98	8	data	datum	NOUN
arjefm-95	98	9	and	and	CCONJ
arjefm-95	98	10	banking	banking	NOUN
arjefm-95	98	11	data	datum	NOUN
arjefm-95	98	12	for	for	ADP
arjefm-95	98	13	the	the	DET
arjefm-95	98	14	three	three	NUM
arjefm-95	98	15	adjacent	adjacent	ADJ
arjefm-95	98	16	counties	county	NOUN
arjefm-95	98	17	.	.	PUNCT
arjefm-95	99	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-95	99	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	100	1	american	american	PROPN
arjefm-95	100	2	research	research	PROPN
arjefm-95	100	3	journal	journal	PROPN
arjefm-95	100	4	of	of	ADP
arjefm-95	100	5	economics	economic	NOUN
arjefm-95	100	6	,	,	PUNCT
arjefm-95	100	7	finance	finance	NOUN
arjefm-95	100	8	and	and	CCONJ
arjefm-95	100	9	management	management	NOUN
arjefm-95	100	10	volume	volume	NOUN
arjefm-95	100	11	11	11	NUM
arjefm-95	100	12	issue	issue	NOUN
arjefm-95	100	13	4	4	NUM
arjefm-95	100	14	,	,	PUNCT
arjefm-95	100	15	october	october	PROPN
arjefm-95	100	16	-	-	PUNCT
arjefm-95	100	17	december	december	PROPN
arjefm-95	100	18	2023	2023	NUM
arjefm-95	100	19	issn	issn	NOUN
arjefm-95	100	20	:	:	PUNCT
arjefm-95	100	21	2836	2836	NUM
arjefm-95	100	22	-	-	SYM
arjefm-95	100	23	9416	9416	NUM
arjefm-95	100	24	impact	impact	NOUN
arjefm-95	100	25	factor	factor	NOUN
arjefm-95	100	26	:	:	PUNCT
arjefm-95	100	27	5.57	5.57	NUM
arjefm-95	100	28	journal	journal	NOUN
arjefm-95	100	29	homepage	homepage	NOUN
arjefm-95	100	30	:	:	PUNCT
arjefm-95	100	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	100	32	,	,	PUNCT
arjefm-95	100	33	email	email	NOUN
arjefm-95	100	34	:	:	PUNCT
arjefm-95	101	1	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-95	101	2	official	official	ADJ
arjefm-95	101	3	journal	journal	PROPN
arjefm-95	101	4	of	of	ADP
arjefm-95	101	5	america	america	PROPN
arjefm-95	101	6	serial	serial	PROPN
arjefm-95	101	7	publication	publication	NOUN
arjefm-95	101	8	american	american	PROPN
arjefm-95	101	9	research	research	PROPN
arjefm-95	101	10	journal	journal	PROPN
arjefm-95	101	11	of	of	ADP
arjefm-95	101	12	economics	economic	NOUN
arjefm-95	101	13	,	,	PUNCT
arjefm-95	101	14	finance	finance	NOUN
arjefm-95	101	15	and	and	CCONJ
arjefm-95	101	16	management	management	NOUN
arjefm-95	101	17	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	101	18	,	,	PUNCT
arjefm-95	101	19	email	email	NOUN
arjefm-95	101	20	:	:	PUNCT
arjefm-95	101	21	contact@americaserial.com	contact@americaserial.com	X
arjefm-95	102	1	81	81	NUM
arjefm-95	103	1	|	|	ADV
arjefm-95	103	2	p	p	X
arjefm-95	103	3	a	a	DET
arjefm-95	103	4	g	g	NOUN
arjefm-95	103	5	e	e	X
arjefm-95	103	6	the	the	DET
arjefm-95	103	7	loan	loan	NOUN
arjefm-95	103	8	denial	denial	NOUN
arjefm-95	103	9	rate	rate	NOUN
arjefm-95	103	10	equation	equation	NOUN
arjefm-95	103	11	can	can	AUX
arjefm-95	103	12	be	be	AUX
arjefm-95	103	13	written	write	VERB
arjefm-95	103	14	as	as	SCONJ
arjefm-95	103	15	follows	follow	VERB
arjefm-95	103	16	:	:	PUNCT
arjefm-95	103	17	yit	yit	NOUN
arjefm-95	103	18	=	=	SYM
arjefm-95	104	1	βxit	βxit	ADJ
arjefm-95	104	2	+	+	PUNCT
arjefm-95	104	3	µit	µit	PROPN
arjefm-95	104	4	(	(	PUNCT
arjefm-95	104	5	1	1	NUM
arjefm-95	104	6	)	)	PUNCT
arjefm-95	104	7	where	where	SCONJ
arjefm-95	104	8	yit	yit	PROPN
arjefm-95	104	9	is	be	AUX
arjefm-95	104	10	a	a	DET
arjefm-95	104	11	binary	binary	ADJ
arjefm-95	104	12	variable	variable	NOUN
arjefm-95	104	13	that	that	PRON
arjefm-95	104	14	takes	take	VERB
arjefm-95	104	15	the	the	DET
arjefm-95	104	16	value	value	NOUN
arjefm-95	104	17	of	of	ADP
arjefm-95	104	18	1	1	NUM
arjefm-95	104	19	or	or	CCONJ
arjefm-95	104	20	0	0	NUM
arjefm-95	104	21	.	.	PUNCT
arjefm-95	105	1	if	if	SCONJ
arjefm-95	105	2	the	the	DET
arjefm-95	105	3	ith	ith	PROPN
arjefm-95	105	4	loan	loan	NOUN
arjefm-95	105	5	application	application	NOUN
arjefm-95	105	6	is	be	AUX
arjefm-95	105	7	denied	deny	VERB
arjefm-95	105	8	,	,	PUNCT
arjefm-95	105	9	yit	yit	PROPN
arjefm-95	105	10	is	be	AUX
arjefm-95	105	11	1	1	NUM
arjefm-95	105	12	;	;	PUNCT
arjefm-95	105	13	otherwise	otherwise	ADV
arjefm-95	105	14	,	,	PUNCT
arjefm-95	105	15	it	it	PRON
arjefm-95	105	16	is	be	AUX
arjefm-95	105	17	0	0	NUM
arjefm-95	105	18	.	.	PUNCT
arjefm-95	106	1	x	x	PUNCT
arjefm-95	106	2	is	be	AUX
arjefm-95	106	3	a	a	DET
arjefm-95	106	4	vector	vector	NOUN
arjefm-95	106	5	of	of	ADP
arjefm-95	106	6	independent	independent	ADJ
arjefm-95	106	7	variables	variable	NOUN
arjefm-95	106	8	,	,	PUNCT
arjefm-95	106	9	and	and	CCONJ
arjefm-95	106	10	β	β	X
arjefm-95	106	11	is	be	AUX
arjefm-95	106	12	the	the	DET
arjefm-95	106	13	vector	vector	NOUN
arjefm-95	106	14	coefficients	coefficient	NOUN
arjefm-95	106	15	to	to	PART
arjefm-95	106	16	be	be	AUX
arjefm-95	106	17	estimated	estimate	VERB
arjefm-95	106	18	,	,	PUNCT
arjefm-95	106	19	while	while	SCONJ
arjefm-95	106	20	µ	µ	X
arjefm-95	106	21	is	be	AUX
arjefm-95	106	22	the	the	DET
arjefm-95	106	23	error	error	NOUN
arjefm-95	106	24	term	term	NOUN
arjefm-95	106	25	.	.	PUNCT
arjefm-95	107	1	thus	thus	ADV
arjefm-95	107	2	,	,	PUNCT
arjefm-95	107	3	we	we	PRON
arjefm-95	107	4	can	can	AUX
arjefm-95	107	5	write	write	VERB
arjefm-95	107	6	the	the	DET
arjefm-95	107	7	loan	loan	NOUN
arjefm-95	107	8	denial	denial	NOUN
arjefm-95	107	9	equation	equation	NOUN
arjefm-95	107	10	as	as	SCONJ
arjefm-95	107	11	follows	follow	VERB
arjefm-95	107	12	:	:	PUNCT
arjefm-95	107	13	d=1	d=1	NOUN
arjefm-95	107	14	if	if	SCONJ
arjefm-95	107	15	the	the	DET
arjefm-95	107	16	loan	loan	NOUN
arjefm-95	107	17	application	application	NOUN
arjefm-95	107	18	is	be	AUX
arjefm-95	107	19	denied	deny	VERB
arjefm-95	107	20	,	,	PUNCT
arjefm-95	107	21	or	or	CCONJ
arjefm-95	107	22	d=0	d=0	X
arjefm-95	107	23	otherwise	otherwise	ADV
arjefm-95	107	24	.	.	PUNCT
arjefm-95	108	1	p	p	X
arjefm-95	108	2	(	(	PUNCT
arjefm-95	108	3	denied	deny	VERB
arjefm-95	108	4	=	=	SYM
arjefm-95	108	5	1	1	NUM
arjefm-95	108	6	|x	|x	NOUN
arjefm-95	108	7	)	)	PUNCT
arjefm-95	109	1	=	=	SYM
arjefm-95	109	2	f	f	X
arjefm-95	109	3	(	(	PUNCT
arjefm-95	109	4	x	x	X
arjefm-95	109	5	,	,	PUNCT
arjefm-95	109	6	β	β	NOUN
arjefm-95	109	7	)	)	PUNCT
arjefm-95	109	8	or	or	CCONJ
arjefm-95	109	9	p	p	X
arjefm-95	109	10	(	(	PUNCT
arjefm-95	109	11	denied	deny	VERB
arjefm-95	109	12	=	=	SYM
arjefm-95	109	13	0|x	0|x	NUM
arjefm-95	109	14	)	)	PUNCT
arjefm-95	109	15	=	=	SYM
arjefm-95	109	16	1	1	NUM
arjefm-95	109	17	-	-	SYM
arjefm-95	109	18	f	f	X
arjefm-95	109	19	(	(	PUNCT
arjefm-95	109	20	x	x	X
arjefm-95	109	21	,	,	PUNCT
arjefm-95	109	22	β	β	X
arjefm-95	109	23	)	)	PUNCT
arjefm-95	109	24	(	(	PUNCT
arjefm-95	109	25	2	2	X
arjefm-95	109	26	)	)	PUNCT
arjefm-95	109	27	where	where	SCONJ
arjefm-95	109	28	x	x	PRON
arjefm-95	109	29	represents	represent	VERB
arjefm-95	109	30	a	a	DET
arjefm-95	109	31	vector	vector	NOUN
arjefm-95	109	32	of	of	ADP
arjefm-95	109	33	economic	economic	ADJ
arjefm-95	109	34	and	and	CCONJ
arjefm-95	109	35	demographic	demographic	ADJ
arjefm-95	109	36	characteristics	characteristic	NOUN
arjefm-95	109	37	,	,	PUNCT
arjefm-95	109	38	β	β	PROPN
arjefm-95	109	39	represents	represent	VERB
arjefm-95	109	40	a	a	DET
arjefm-95	109	41	vector	vector	NOUN
arjefm-95	109	42	of	of	ADP
arjefm-95	109	43	the	the	DET
arjefm-95	109	44	estimated	estimate	VERB
arjefm-95	109	45	coefficients	coefficient	NOUN
arjefm-95	109	46	,	,	PUNCT
arjefm-95	109	47	and	and	CCONJ
arjefm-95	109	48	f	f	PROPN
arjefm-95	109	49	is	be	AUX
arjefm-95	109	50	the	the	DET
arjefm-95	109	51	cumulative	cumulative	ADJ
arjefm-95	109	52	distribution	distribution	NOUN
arjefm-95	109	53	function	function	NOUN
arjefm-95	109	54	.	.	PUNCT
arjefm-95	110	1	definition	definition	NOUN
arjefm-95	110	2	of	of	ADP
arjefm-95	110	3	variables	variable	NOUN
arjefm-95	110	4	the	the	DET
arjefm-95	110	5	variables	variable	NOUN
arjefm-95	110	6	for	for	ADP
arjefm-95	110	7	the	the	DET
arjefm-95	110	8	logistic	logistic	ADJ
arjefm-95	110	9	regression	regression	NOUN
arjefm-95	110	10	are	be	AUX
arjefm-95	110	11	applicant	applicant	NOUN
arjefm-95	110	12	’s	’s	PART
arjefm-95	110	13	race	race	NOUN
arjefm-95	110	14	(	(	PUNCT
arjefm-95	110	15	white	white	ADJ
arjefm-95	110	16	,	,	PUNCT
arjefm-95	110	17	african	african	ADJ
arjefm-95	110	18	american	american	PROPN
arjefm-95	110	19	,	,	PUNCT
arjefm-95	110	20	hispanics	hispanic	NOUN
arjefm-95	110	21	,	,	PUNCT
arjefm-95	110	22	and	and	CCONJ
arjefm-95	110	23	asians	asians	PROPN
arjefm-95	110	24	)	)	PUNCT
arjefm-95	110	25	;	;	PUNCT
arjefm-95	110	26	the	the	DET
arjefm-95	110	27	ratio	ratio	NOUN
arjefm-95	110	28	of	of	ADP
arjefm-95	110	29	loan	loan	NOUN
arjefm-95	110	30	amount	amount	NOUN
arjefm-95	110	31	to	to	ADP
arjefm-95	110	32	applicant	applicant	PROPN
arjefm-95	110	33	’s	’s	PART
arjefm-95	110	34	income	income	NOUN
arjefm-95	110	35	;	;	PUNCT
arjefm-95	110	36	this	this	PRON
arjefm-95	110	37	is	be	AUX
arjefm-95	110	38	transformed	transform	VERB
arjefm-95	110	39	into	into	ADP
arjefm-95	110	40	a	a	DET
arjefm-95	110	41	categorical	categorical	ADJ
arjefm-95	110	42	variable	variable	NOUN
arjefm-95	110	43	of	of	ADP
arjefm-95	110	44	normal	normal	ADJ
arjefm-95	110	45	or	or	CCONJ
arjefm-95	110	46	high	high	ADJ
arjefm-95	110	47	.	.	PUNCT
arjefm-95	111	1	it	it	PRON
arjefm-95	111	2	is	be	AUX
arjefm-95	111	3	normal	normal	ADJ
arjefm-95	111	4	if	if	SCONJ
arjefm-95	111	5	it	it	PRON
arjefm-95	111	6	is	be	AUX
arjefm-95	111	7	<	<	X
arjefm-95	111	8	=	=	SYM
arjefm-95	111	9	3	3	NUM
arjefm-95	111	10	,	,	PUNCT
arjefm-95	111	11	it	it	PRON
arjefm-95	111	12	is	be	AUX
arjefm-95	111	13	high	high	ADJ
arjefm-95	111	14	if	if	SCONJ
arjefm-95	111	15	it	it	PRON
arjefm-95	111	16	is	be	AUX
arjefm-95	111	17	>	>	X
arjefm-95	111	18	3	3	X
arjefm-95	111	19	.	.	PUNCT
arjefm-95	111	20	income	income	NOUN
arjefm-95	111	21	level	level	NOUN
arjefm-95	111	22	,	,	PUNCT
arjefm-95	111	23	which	which	PRON
arjefm-95	111	24	has	have	VERB
arjefm-95	111	25	six	six	NUM
arjefm-95	111	26	categories	category	NOUN
arjefm-95	111	27	<	<	X
arjefm-95	111	28	$	$	SYM
arjefm-95	111	29	45,000	45,000	NUM
arjefm-95	111	30	,	,	PUNCT
arjefm-95	111	31	1	1	NUM
arjefm-95	111	32	,	,	PUNCT
arjefm-95	111	33	$	$	SYM
arjefm-95	111	34	45,000	45,000	NUM
arjefm-95	111	35	to	to	PART
arjefm-95	111	36	$	$	SYM
arjefm-95	111	37	75,000	75,000	NUM
arjefm-95	111	38	=	=	SYM
arjefm-95	111	39	2	2	NUM
arjefm-95	111	40	,	,	PUNCT
arjefm-95	111	41	$	$	SYM
arjefm-95	111	42	75,001	75,001	NUM
arjefm-95	111	43	to	to	PART
arjefm-95	111	44	$	$	SYM
arjefm-95	111	45	85,000	85,000	NUM
arjefm-95	111	46	=	=	SYM
arjefm-95	111	47	3	3	NUM
arjefm-95	111	48	,	,	PUNCT
arjefm-95	111	49	$	$	SYM
arjefm-95	111	50	85,000	85,000	NUM
arjefm-95	111	51	to	to	PART
arjefm-95	111	52	$	$	SYM
arjefm-95	111	53	95,000	95,000	NUM
arjefm-95	111	54	=	=	SYM
arjefm-95	111	55	4	4	NUM
arjefm-95	111	56	,	,	PUNCT
arjefm-95	111	57	and	and	CCONJ
arjefm-95	111	58	>	>	PUNCT
arjefm-95	111	59	$	$	SYM
arjefm-95	111	60	95,000	95,000	NUM
arjefm-95	111	61	=	=	SYM
arjefm-95	111	62	5	5	NUM
arjefm-95	111	63	;	;	PUNCT
arjefm-95	111	64	loan	loan	NOUN
arjefm-95	111	65	total	total	ADJ
arjefm-95	111	66	variable	variable	NOUN
arjefm-95	111	67	has	have	VERB
arjefm-95	111	68	six	six	NUM
arjefm-95	111	69	categories	category	NOUN
arjefm-95	111	70	<	<	X
arjefm-95	111	71	$	$	SYM
arjefm-95	111	72	100,000	100,000	NUM
arjefm-95	111	73	=	=	SYM
arjefm-95	111	74	1	1	NUM
arjefm-95	111	75	,	,	PUNCT
arjefm-95	111	76	$	$	SYM
arjefm-95	111	77	100,00	100,00	NUM
arjefm-95	111	78	to	to	ADP
arjefm-95	111	79	$	$	SYM
arjefm-95	111	80	200,000	200,000	NUM
arjefm-95	111	81	=	=	SYM
arjefm-95	111	82	2	2	NUM
arjefm-95	111	83	,	,	PUNCT
arjefm-95	111	84	$	$	SYM
arjefm-95	111	85	200,000	200,000	NUM
arjefm-95	111	86	to	to	PART
arjefm-95	111	87	$	$	SYM
arjefm-95	111	88	300,000	300,000	NUM
arjefm-95	111	89	=	=	SYM
arjefm-95	111	90	3	3	NUM
arjefm-95	111	91	,	,	PUNCT
arjefm-95	111	92	$	$	SYM
arjefm-95	111	93	300,000	300,000	NUM
arjefm-95	111	94	to	to	PART
arjefm-95	111	95	$	$	SYM
arjefm-95	111	96	400,000	400,000	NUM
arjefm-95	111	97	=	=	SYM
arjefm-95	111	98	4	4	NUM
arjefm-95	111	99	,	,	PUNCT
arjefm-95	111	100	$	$	SYM
arjefm-95	111	101	400,001	400,001	NUM
arjefm-95	111	102	to	to	PART
arjefm-95	111	103	$	$	SYM
arjefm-95	111	104	500,000	500,000	NUM
arjefm-95	111	105	=	=	SYM
arjefm-95	111	106	5	5	NUM
arjefm-95	111	107	and>$500,000	and>$500,000	NOUN
arjefm-95	111	108	=	=	SYM
arjefm-95	111	109	6	6	NUM
arjefm-95	111	110	.	.	PUNCT
arjefm-95	111	111	other	other	ADJ
arjefm-95	111	112	variables	variable	NOUN
arjefm-95	111	113	are	be	AUX
arjefm-95	111	114	loan	loan	NOUN
arjefm-95	111	115	purpose	purpose	NOUN
arjefm-95	111	116	which	which	PRON
arjefm-95	111	117	has	have	VERB
arjefm-95	111	118	three	three	NUM
arjefm-95	111	119	categories	category	NOUN
arjefm-95	111	120	namely	namely	ADV
arjefm-95	111	121	home	home	NOUN
arjefm-95	111	122	purchase	purchase	NOUN
arjefm-95	111	123	,	,	PUNCT
arjefm-95	111	124	home	home	NOUN
arjefm-95	111	125	improvement	improvement	NOUN
arjefm-95	111	126	,	,	PUNCT
arjefm-95	111	127	and	and	CCONJ
arjefm-95	111	128	home	home	NOUN
arjefm-95	111	129	refinance	refinance	NOUN
arjefm-95	111	130	.	.	PUNCT
arjefm-95	112	1	loan	loan	NOUN
arjefm-95	112	2	type	type	NOUN
arjefm-95	112	3	has	have	VERB
arjefm-95	112	4	four	four	NUM
arjefm-95	112	5	categories	category	NOUN
arjefm-95	112	6	conventional	conventional	ADJ
arjefm-95	112	7	loan	loan	NOUN
arjefm-95	112	8	,	,	PUNCT
arjefm-95	112	9	veterans	veterans	PROPN
arjefm-95	112	10	administration	administration	PROPN
arjefm-95	112	11	loan	loan	PROPN
arjefm-95	112	12	,	,	PUNCT
arjefm-95	112	13	federal	federal	ADJ
arjefm-95	112	14	housing	housing	PROPN
arjefm-95	112	15	administration	administration	PROPN
arjefm-95	112	16	loan	loan	NOUN
arjefm-95	112	17	,	,	PUNCT
arjefm-95	112	18	and	and	CCONJ
arjefm-95	112	19	farm	farm	NOUN
arjefm-95	112	20	service	service	NOUN
arjefm-95	112	21	agency	agency	NOUN
arjefm-95	112	22	or	or	CCONJ
arjefm-95	112	23	rural	rural	ADJ
arjefm-95	112	24	housing	housing	NOUN
arjefm-95	112	25	service	service	NOUN
arjefm-95	112	26	loan	loan	NOUN
arjefm-95	112	27	.	.	PUNCT
arjefm-95	113	1	therefore	therefore	ADV
arjefm-95	113	2	,	,	PUNCT
arjefm-95	113	3	the	the	DET
arjefm-95	113	4	variable	variable	ADJ
arjefm-95	113	5	ratio	ratio	NOUN
arjefm-95	113	6	of	of	ADP
arjefm-95	113	7	minority	minority	NOUN
arjefm-95	113	8	population	population	NOUN
arjefm-95	113	9	in	in	ADP
arjefm-95	113	10	a	a	DET
arjefm-95	113	11	census	census	NOUN
arjefm-95	113	12	tract	tract	NOUN
arjefm-95	113	13	is	be	AUX
arjefm-95	113	14	divided	divide	VERB
arjefm-95	113	15	into	into	ADP
arjefm-95	113	16	two	two	NUM
arjefm-95	113	17	categories	category	NOUN
arjefm-95	113	18	:	:	PUNCT
arjefm-95	113	19	low	low	ADJ
arjefm-95	113	20	minority	minority	NOUN
arjefm-95	113	21	population	population	NOUN
arjefm-95	113	22	in	in	ADP
arjefm-95	113	23	the	the	DET
arjefm-95	113	24	census	census	NOUN
arjefm-95	113	25	tract	tract	NOUN
arjefm-95	113	26	or	or	CCONJ
arjefm-95	113	27	high	high	ADJ
arjefm-95	113	28	minority	minority	NOUN
arjefm-95	113	29	population	population	NOUN
arjefm-95	113	30	in	in	ADP
arjefm-95	113	31	the	the	DET
arjefm-95	113	32	census	census	NOUN
arjefm-95	113	33	tract	tract	NOUN
arjefm-95	113	34	.	.	PUNCT
arjefm-95	114	1	this	this	PRON
arjefm-95	114	2	is	be	AUX
arjefm-95	114	3	ratio	ratio	NOUN
arjefm-95	114	4	is	be	AUX
arjefm-95	114	5	considered	consider	VERB
arjefm-95	114	6	high	high	ADJ
arjefm-95	114	7	if	if	SCONJ
arjefm-95	114	8	it	it	PRON
arjefm-95	114	9	is	be	AUX
arjefm-95	114	10	>	>	PUNCT
arjefm-95	114	11	=	=	SYM
arjefm-95	114	12	50	50	NUM
arjefm-95	114	13	percent	percent	NOUN
arjefm-95	114	14	and	and	CCONJ
arjefm-95	114	15	low	low	ADJ
arjefm-95	114	16	minority	minority	NOUN
arjefm-95	114	17	if	if	SCONJ
arjefm-95	114	18	it	it	PRON
arjefm-95	114	19	is	be	AUX
arjefm-95	114	20	<	<	X
arjefm-95	114	21	50	50	NUM
arjefm-95	114	22	percent	percent	NOUN
arjefm-95	114	23	.	.	PUNCT
arjefm-95	115	1	location	location	NOUN
arjefm-95	115	2	is	be	AUX
arjefm-95	115	3	represented	represent	VERB
arjefm-95	115	4	by	by	ADP
arjefm-95	115	5	the	the	DET
arjefm-95	115	6	three	three	NUM
arjefm-95	115	7	counties	county	NOUN
arjefm-95	115	8	.	.	PUNCT
arjefm-95	116	1	the	the	DET
arjefm-95	116	2	survey	survey	NOUN
arjefm-95	116	3	years	year	NOUN
arjefm-95	116	4	of	of	ADP
arjefm-95	116	5	hmda	hmda	ADJ
arjefm-95	116	6	data	datum	NOUN
arjefm-95	116	7	represents	represent	VERB
arjefm-95	116	8	the	the	DET
arjefm-95	116	9	environment	environment	NOUN
arjefm-95	116	10	.	.	PUNCT
arjefm-95	117	1	model	model	NOUN
arjefm-95	117	2	results	result	NOUN
arjefm-95	117	3	table	table	VERB
arjefm-95	117	4	1present	1present	NUM
arjefm-95	117	5	the	the	DET
arjefm-95	117	6	results	result	NOUN
arjefm-95	117	7	of	of	ADP
arjefm-95	117	8	the	the	DET
arjefm-95	117	9	logistic	logistic	ADJ
arjefm-95	117	10	regression	regression	NOUN
arjefm-95	117	11	for	for	ADP
arjefm-95	117	12	loan	loan	NOUN
arjefm-95	117	13	denial	denial	NOUN
arjefm-95	117	14	in	in	ADP
arjefm-95	117	15	three	three	NUM
arjefm-95	117	16	mississippi	mississippi	NOUN
arjefm-95	117	17	counties	county	NOUN
arjefm-95	117	18	of	of	ADP
arjefm-95	117	19	hinds	hinds	PROPN
arjefm-95	117	20	,	,	PUNCT
arjefm-95	117	21	madison	madison	PROPN
arjefm-95	117	22	,	,	PUNCT
arjefm-95	117	23	and	and	CCONJ
arjefm-95	117	24	rankin	rankin	NOUN
arjefm-95	117	25	from	from	ADP
arjefm-95	117	26	the	the	DET
arjefm-95	117	27	years	year	NOUN
arjefm-95	117	28	2007	2007	NUM
arjefm-95	117	29	to	to	ADP
arjefm-95	117	30	2013	2013	NUM
arjefm-95	117	31	.	.	PUNCT
arjefm-95	118	1	compared	compare	VERB
arjefm-95	118	2	with	with	ADP
arjefm-95	118	3	asian	asian	ADJ
arjefm-95	118	4	americans	americans	PROPN
arjefm-95	118	5	,	,	PUNCT
arjefm-95	118	6	african	african	ADJ
arjefm-95	118	7	americans	americans	PROPN
arjefm-95	118	8	are	be	AUX
arjefm-95	118	9	1.54	1.54	NUM
arjefm-95	118	10	times	time	NOUN
arjefm-95	118	11	more	more	ADV
arjefm-95	118	12	likely	likely	ADJ
arjefm-95	118	13	to	to	PART
arjefm-95	118	14	be	be	AUX
arjefm-95	118	15	denied	deny	VERB
arjefm-95	118	16	loan	loan	NOUN
arjefm-95	118	17	.	.	PUNCT
arjefm-95	119	1	whites	white	NOUN
arjefm-95	119	2	are	be	AUX
arjefm-95	119	3	32.06	32.06	NUM
arjefm-95	119	4	%	%	NOUN
arjefm-95	119	5	less	less	ADV
arjefm-95	119	6	likely	likely	ADJ
arjefm-95	119	7	to	to	PART
arjefm-95	119	8	be	be	AUX
arjefm-95	119	9	denied	deny	VERB
arjefm-95	119	10	loans	loan	NOUN
arjefm-95	119	11	than	than	ADP
arjefm-95	119	12	asian	asian	ADJ
arjefm-95	119	13	americans	americans	PROPN
arjefm-95	119	14	while	while	SCONJ
arjefm-95	119	15	hispanics	hispanic	NOUN
arjefm-95	119	16	are	be	AUX
arjefm-95	119	17	1.55	1.55	NUM
arjefm-95	119	18	times	time	NOUN
arjefm-95	119	19	more	more	ADV
arjefm-95	119	20	likely	likely	ADJ
arjefm-95	119	21	to	to	PART
arjefm-95	119	22	be	be	AUX
arjefm-95	119	23	denied	deny	VERB
arjefm-95	119	24	loans	loan	NOUN
arjefm-95	119	25	when	when	SCONJ
arjefm-95	119	26	compared	compare	VERB
arjefm-95	119	27	to	to	ADP
arjefm-95	119	28	asian	asian	ADJ
arjefm-95	119	29	americans	americans	PROPN
arjefm-95	119	30	.	.	PUNCT
arjefm-95	120	1	living	live	VERB
arjefm-95	120	2	in	in	ADP
arjefm-95	120	3	a	a	DET
arjefm-95	120	4	high	high	ADJ
arjefm-95	120	5	minority	minority	NOUN
arjefm-95	120	6	population	population	NOUN
arjefm-95	120	7	area	area	NOUN
arjefm-95	120	8	has	have	VERB
arjefm-95	120	9	a	a	DET
arjefm-95	120	10	1.34	1.34	NUM
arjefm-95	120	11	times	time	NOUN
arjefm-95	120	12	likelihood	likelihood	NOUN
arjefm-95	120	13	of	of	ADP
arjefm-95	120	14	being	be	AUX
arjefm-95	120	15	denied	deny	VERB
arjefm-95	120	16	loans	loan	NOUN
arjefm-95	120	17	.	.	PUNCT
arjefm-95	121	1	moreover	moreover	ADV
arjefm-95	121	2	,	,	PUNCT
arjefm-95	121	3	having	have	VERB
arjefm-95	121	4	a	a	DET
arjefm-95	121	5	high	high	ADJ
arjefm-95	121	6	loan	loan	NOUN
arjefm-95	121	7	ratio	ratio	NOUN
arjefm-95	121	8	to	to	ADP
arjefm-95	121	9	income	income	NOUN
arjefm-95	121	10	increases	increase	VERB
arjefm-95	121	11	the	the	DET
arjefm-95	121	12	likelihood	likelihood	NOUN
arjefm-95	121	13	of	of	ADP
arjefm-95	121	14	denial	denial	NOUN
arjefm-95	121	15	.	.	PUNCT
arjefm-95	122	1	the	the	DET
arjefm-95	122	2	probability	probability	NOUN
arjefm-95	122	3	of	of	ADP
arjefm-95	122	4	loan	loan	NOUN
arjefm-95	122	5	denial	denial	NOUN
arjefm-95	122	6	is	be	AUX
arjefm-95	122	7	inversely	inversely	ADV
arjefm-95	122	8	related	relate	VERB
arjefm-95	122	9	to	to	ADP
arjefm-95	122	10	the	the	DET
arjefm-95	122	11	level	level	NOUN
arjefm-95	122	12	of	of	ADP
arjefm-95	122	13	income	income	NOUN
arjefm-95	122	14	and	and	CCONJ
arjefm-95	122	15	appears	appear	VERB
arjefm-95	122	16	to	to	PART
arjefm-95	122	17	have	have	VERB
arjefm-95	122	18	a	a	DET
arjefm-95	122	19	gradient	gradient	NOUN
arjefm-95	122	20	.	.	PUNCT
arjefm-95	123	1	loan	loan	NOUN
arjefm-95	123	2	denial	denial	NOUN
arjefm-95	123	3	is	be	AUX
arjefm-95	123	4	3.62	3.62	NUM
arjefm-95	123	5	times	time	NOUN
arjefm-95	123	6	higher	high	ADJ
arjefm-95	123	7	for	for	ADP
arjefm-95	123	8	loans	loan	NOUN
arjefm-95	123	9	for	for	ADP
arjefm-95	123	10	home	home	NOUN
arjefm-95	123	11	improvement	improvement	NOUN
arjefm-95	123	12	compared	compare	VERB
arjefm-95	123	13	to	to	ADP
arjefm-95	123	14	home	home	NOUN
arjefm-95	123	15	purchase	purchase	NOUN
arjefm-95	123	16	.	.	PUNCT
arjefm-95	124	1	the	the	DET
arjefm-95	124	2	figure	figure	NOUN
arjefm-95	124	3	is	be	AUX
arjefm-95	124	4	also	also	ADV
arjefm-95	124	5	high	high	ADJ
arjefm-95	124	6	for	for	ADP
arjefm-95	124	7	loans	loan	NOUN
arjefm-95	124	8	on	on	ADP
arjefm-95	124	9	home	home	NOUN
arjefm-95	124	10	refinance	refinance	NOUN
arjefm-95	124	11	.	.	PUNCT
arjefm-95	125	1	compared	compare	VERB
arjefm-95	125	2	to	to	ADP
arjefm-95	125	3	loans	loan	NOUN
arjefm-95	125	4	for	for	ADP
arjefm-95	125	5	home	home	NOUN
arjefm-95	125	6	purchases	purchase	NOUN
arjefm-95	125	7	,	,	PUNCT
arjefm-95	125	8	loans	loan	NOUN
arjefm-95	125	9	for	for	ADP
arjefm-95	125	10	home	home	NOUN
arjefm-95	125	11	refinances	refinance	NOUN
arjefm-95	125	12	is	be	AUX
arjefm-95	125	13	1.88	1.88	NUM
arjefm-95	125	14	times	time	NOUN
arjefm-95	125	15	higher	high	ADJ
arjefm-95	125	16	.	.	PUNCT
arjefm-95	126	1	on	on	ADP
arjefm-95	126	2	the	the	DET
arjefm-95	126	3	basis	basis	NOUN
arjefm-95	126	4	of	of	ADP
arjefm-95	126	5	county	county	NOUN
arjefm-95	126	6	,	,	PUNCT
arjefm-95	126	7	loans	loan	NOUN
arjefm-95	126	8	from	from	ADP
arjefm-95	126	9	madison	madison	PROPN
arjefm-95	126	10	county	county	PROPN
arjefm-95	126	11	are	be	AUX
arjefm-95	126	12	14.18	14.18	NUM
arjefm-95	126	13	%	%	NOUN
arjefm-95	126	14	less	less	ADV
arjefm-95	126	15	likely	likely	ADJ
arjefm-95	126	16	to	to	PART
arjefm-95	126	17	be	be	AUX
arjefm-95	126	18	denied	deny	VERB
arjefm-95	126	19	when	when	SCONJ
arjefm-95	126	20	compared	compare	VERB
arjefm-95	126	21	to	to	ADP
arjefm-95	126	22	hinds	hinds	PROPN
arjefm-95	126	23	county	county	PROPN
arjefm-95	126	24	while	while	SCONJ
arjefm-95	126	25	loans	loan	NOUN
arjefm-95	126	26	from	from	ADP
arjefm-95	126	27	rankin	rankin	PROPN
arjefm-95	126	28	county	county	NOUN
arjefm-95	126	29	are	be	AUX
arjefm-95	126	30	1.03	1.03	NUM
arjefm-95	126	31	times	time	NOUN
arjefm-95	126	32	likely	likely	ADJ
arjefm-95	126	33	to	to	PART
arjefm-95	126	34	be	be	AUX
arjefm-95	126	35	denied	deny	VERB
arjefm-95	126	36	as	as	ADP
arjefm-95	126	37	compared	compare	VERB
arjefm-95	126	38	to	to	ADP
arjefm-95	126	39	hinds	hind	NOUN
arjefm-95	126	40	.	.	PUNCT
arjefm-95	127	1	loans	loan	NOUN
arjefm-95	127	2	that	that	PRON
arjefm-95	127	3	range	range	VERB
arjefm-95	127	4	from	from	ADP
arjefm-95	127	5	$	$	SYM
arjefm-95	127	6	200,000	200,000	NUM
arjefm-95	127	7	to	to	PART
arjefm-95	127	8	$	$	SYM
arjefm-95	127	9	500,000	500,000	NUM
arjefm-95	127	10	are	be	AUX
arjefm-95	127	11	more	more	ADV
arjefm-95	127	12	likely	likely	ADJ
arjefm-95	127	13	to	to	PART
arjefm-95	127	14	be	be	AUX
arjefm-95	127	15	approved	approve	VERB
arjefm-95	127	16	while	while	SCONJ
arjefm-95	127	17	loans	loan	NOUN
arjefm-95	127	18	that	that	PRON
arjefm-95	127	19	are	be	AUX
arjefm-95	127	20	greater	great	ADJ
arjefm-95	127	21	than	than	ADP
arjefm-95	127	22	$	$	SYM
arjefm-95	127	23	500,000	500,000	NUM
arjefm-95	127	24	are	be	AUX
arjefm-95	127	25	1.33	1.33	NUM
arjefm-95	127	26	times	time	NOUN
arjefm-95	127	27	more	more	ADV
arjefm-95	127	28	likely	likely	ADJ
arjefm-95	127	29	to	to	PART
arjefm-95	127	30	be	be	AUX
arjefm-95	127	31	denied	deny	VERB
arjefm-95	127	32	compared	compare	VERB
arjefm-95	127	33	to	to	ADP
arjefm-95	127	34	loans	loan	NOUN
arjefm-95	127	35	of	of	ADP
arjefm-95	127	36	$	$	SYM
arjefm-95	127	37	100,000	100,000	NUM
arjefm-95	127	38	or	or	CCONJ
arjefm-95	127	39	less	less	ADJ
arjefm-95	127	40	.	.	PUNCT
arjefm-95	128	1	loan	loan	NOUN
arjefm-95	128	2	type	type	NOUN
arjefm-95	128	3	compared	compare	VERB
arjefm-95	128	4	to	to	ADP
arjefm-95	128	5	conventional	conventional	ADJ
arjefm-95	128	6	loan	loan	NOUN
arjefm-95	128	7	,	,	PUNCT
arjefm-95	128	8	such	such	ADJ
arjefm-95	128	9	as	as	ADP
arjefm-95	128	10	fha	fha	PROPN
arjefm-95	128	11	loans	loan	NOUN
arjefm-95	128	12	,	,	PUNCT
arjefm-95	128	13	va	va	NOUN
arjefm-95	128	14	loans	loan	NOUN
arjefm-95	128	15	,	,	PUNCT
arjefm-95	128	16	and	and	CCONJ
arjefm-95	128	17	fsa	fsa	PROPN
arjefm-95	128	18	/	/	SYM
arjefm-95	128	19	rhs	rhs	PROPN
arjefm-95	128	20	loans	loan	NOUN
arjefm-95	128	21	are	be	AUX
arjefm-95	128	22	more	more	ADV
arjefm-95	128	23	likely	likely	ADJ
arjefm-95	128	24	to	to	PART
arjefm-95	128	25	be	be	AUX
arjefm-95	128	26	approved	approve	VERB
arjefm-95	128	27	.	.	PUNCT
arjefm-95	129	1	table	table	NOUN
arjefm-95	129	2	1	1	NUM
arjefm-95	129	3	:	:	PUNCT
arjefm-95	129	4	logistic	logistic	ADJ
arjefm-95	129	5	regression	regression	NOUN
arjefm-95	129	6	on	on	ADP
arjefm-95	129	7	loan	loan	NOUN
arjefm-95	129	8	denial	denial	NOUN
arjefm-95	129	9	2007	2007	NUM
arjefm-95	129	10	-	-	SYM
arjefm-95	129	11	2013	2013	NUM
arjefm-95	129	12	mailto:contact@americaserial.com	mailto:contact@americaserial.com	NOUN
arjefm-95	129	13	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	130	1	american	american	PROPN
arjefm-95	130	2	research	research	PROPN
arjefm-95	130	3	journal	journal	PROPN
arjefm-95	130	4	of	of	ADP
arjefm-95	130	5	economics	economic	NOUN
arjefm-95	130	6	,	,	PUNCT
arjefm-95	130	7	finance	finance	NOUN
arjefm-95	130	8	and	and	CCONJ
arjefm-95	130	9	management	management	NOUN
arjefm-95	130	10	volume	volume	NOUN
arjefm-95	130	11	11	11	NUM
arjefm-95	130	12	issue	issue	NOUN
arjefm-95	130	13	4	4	NUM
arjefm-95	130	14	,	,	PUNCT
arjefm-95	130	15	october	october	PROPN
arjefm-95	130	16	-	-	PUNCT
arjefm-95	130	17	december	december	PROPN
arjefm-95	130	18	2023	2023	NUM
arjefm-95	130	19	issn	issn	NOUN
arjefm-95	130	20	:	:	PUNCT
arjefm-95	130	21	2836	2836	NUM
arjefm-95	130	22	-	-	SYM
arjefm-95	130	23	9416	9416	NUM
arjefm-95	130	24	impact	impact	NOUN
arjefm-95	130	25	factor	factor	NOUN
arjefm-95	130	26	:	:	PUNCT
arjefm-95	130	27	5.57	5.57	NUM
arjefm-95	130	28	journal	journal	NOUN
arjefm-95	130	29	homepage	homepage	NOUN
arjefm-95	130	30	:	:	PUNCT
arjefm-95	130	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	130	32	,	,	PUNCT
arjefm-95	130	33	email	email	NOUN
arjefm-95	130	34	:	:	PUNCT
arjefm-95	131	1	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-95	131	2	official	official	ADJ
arjefm-95	131	3	journal	journal	PROPN
arjefm-95	131	4	of	of	ADP
arjefm-95	131	5	america	america	PROPN
arjefm-95	131	6	serial	serial	PROPN
arjefm-95	131	7	publication	publication	NOUN
arjefm-95	131	8	american	american	PROPN
arjefm-95	131	9	research	research	PROPN
arjefm-95	131	10	journal	journal	PROPN
arjefm-95	131	11	of	of	ADP
arjefm-95	131	12	economics	economic	NOUN
arjefm-95	131	13	,	,	PUNCT
arjefm-95	131	14	finance	finance	NOUN
arjefm-95	131	15	and	and	CCONJ
arjefm-95	131	16	management	management	NOUN
arjefm-95	131	17	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	131	18	,	,	PUNCT
arjefm-95	131	19	email	email	NOUN
arjefm-95	131	20	:	:	PUNCT
arjefm-95	131	21	contact@americaserial.com	contact@americaserial.com	X
arjefm-95	131	22	82	82	NUM
arjefm-95	132	1	|	|	ADV
arjefm-95	132	2	p	p	X
arjefm-95	132	3	a	a	DET
arjefm-95	132	4	g	g	NOUN
arjefm-95	132	5	e	e	NOUN
arjefm-95	132	6	independent	independent	ADJ
arjefm-95	132	7	combined	combine	VERB
arjefm-95	132	8	all	all	DET
arjefm-95	132	9	races	race	NOUN
arjefm-95	132	10	white	white	ADJ
arjefm-95	132	11	african	african	ADJ
arjefm-95	132	12	americans	americans	PROPN
arjefm-95	132	13	asian	asian	ADJ
arjefm-95	132	14	americas	americas	PROPN
arjefm-95	132	15	hispanics	hispanics	PROPN
arjefm-95	132	16	variables	variable	NOUN
arjefm-95	132	17	model	model	VERB
arjefm-95	132	18	1	1	NUM
arjefm-95	132	19	model	model	NOUN
arjefm-95	132	20	2	2	NUM
arjefm-95	132	21	model	model	NOUN
arjefm-95	132	22	3	3	NUM
arjefm-95	132	23	model	model	NOUN
arjefm-95	132	24	4	4	NUM
arjefm-95	132	25	model	model	NOUN
arjefm-95	132	26	5	5	NUM
arjefm-95	132	27	no	no	DET
arjefm-95	132	28	race	race	NOUN
arjefm-95	132	29	-0.107	-0.107	PUNCT
arjefm-95	132	30	(	(	PUNCT
arjefm-95	132	31	-1.50	-1.50	NOUN
arjefm-95	132	32	)	)	PUNCT
arjefm-95	132	33	asian	asian	ADJ
arjefm-95	132	34	americans	americans	PROPN
arjefm-95	132	35	referent0	referent0	ADJ
arjefm-95	132	36	1.00	1.00	NUM
arjefm-95	132	37	african	african	ADJ
arjefm-95	132	38	americas	america	NOUN
arjefm-95	132	39	0.434	0.434	NUM
arjefm-95	132	40	*	*	PUNCT
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arjefm-95	132	42	*	*	PUNCT
arjefm-95	132	43	(	(	PUNCT
arjefm-95	132	44	6.16	6.16	NUM
arjefm-95	132	45	)	)	PUNCT
arjefm-95	132	46	white	white	ADJ
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arjefm-95	132	48	*	*	PUNCT
arjefm-95	132	49	*	*	PUNCT
arjefm-95	132	50	*	*	PUNCT
arjefm-95	132	51	(	(	PUNCT
arjefm-95	132	52	-5.57	-5.57	X
arjefm-95	132	53	)	)	PUNCT
arjefm-95	132	54	hispanics	hispanic	NOUN
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arjefm-95	132	56	*	*	PUNCT
arjefm-95	132	57	*	*	PUNCT
arjefm-95	132	58	*	*	PUNCT
arjefm-95	132	59	(	(	PUNCT
arjefm-95	132	60	6.26	6.26	NUM
arjefm-95	132	61	)	)	PUNCT
arjefm-95	132	62	high	high	ADJ
arjefm-95	132	63	minority	minority	NOUN
arjefm-95	132	64	pop	pop	VERB
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arjefm-95	132	66	*	*	PUNCT
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arjefm-95	132	70	*	*	PUNCT
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arjefm-95	132	74	*	*	PUNCT
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arjefm-95	132	76	*	*	PUNCT
arjefm-95	132	77	0.0876	0.0876	NUM
arjefm-95	132	78	0.266	0.266	NUM
arjefm-95	132	79	(	(	PUNCT
arjefm-95	132	80	15.66	15.66	NUM
arjefm-95	132	81	)	)	PUNCT
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arjefm-95	132	83	13.00	13.00	NUM
arjefm-95	132	84	)	)	PUNCT
arjefm-95	132	85	(	(	PUNCT
arjefm-95	132	86	6.52	6.52	NUM
arjefm-95	132	87	)	)	PUNCT
arjefm-95	132	88	(	(	PUNCT
arjefm-95	132	89	0.49	0.49	NUM
arjefm-95	132	90	)	)	PUNCT
arjefm-95	132	91	(	(	PUNCT
arjefm-95	132	92	1.24	1.24	NUM
arjefm-95	132	93	)	)	PUNCT
arjefm-95	132	94	hlv	hlv	NOUN
arjefm-95	132	95	to	to	PART
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arjefm-95	132	98	*	*	PUNCT
arjefm-95	132	99	*	*	PUNCT
arjefm-95	132	100	*	*	PUNCT
arjefm-95	132	101	(	(	PUNCT
arjefm-95	132	102	3.37	3.37	NUM
arjefm-95	132	103	)	)	PUNCT
arjefm-95	132	104	income	income	NOUN
arjefm-95	132	105	<	<	NOUN
arjefm-95	132	106	$	$	SYM
arjefm-95	132	107	45,000	45,000	NUM
arjefm-95	132	108	referent	referent	NOUN
arjefm-95	132	109	referent	referent	NOUN
arjefm-95	132	110	referent	referent	NOUN
arjefm-95	132	111	referent	referent	NOUN
arjefm-95	132	112	referent	referent	NOUN
arjefm-95	132	113	1.00	1.00	NUM
arjefm-95	132	114	1.00	1.00	NUM
arjefm-95	132	115	1.00	1.00	NUM
arjefm-95	132	116	1.00	1.00	NUM
arjefm-95	132	117	1.00	1.00	NUM
arjefm-95	132	118	$	$	SYM
arjefm-95	132	119	45,001<=$75,000	45,001<=$75,000	NUM
arjefm-95	132	120	-0.421	-0.421	PUNCT
arjefm-95	132	121	*	*	PUNCT
arjefm-95	132	122	*	*	PUNCT
arjefm-95	132	123	*	*	PUNCT
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arjefm-95	133	4	*	*	PUNCT
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arjefm-95	134	1	*	*	PUNCT
arjefm-95	134	2	*	*	PUNCT
arjefm-95	134	3	*	*	PUNCT
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arjefm-95	134	5	*	*	PUNCT
arjefm-95	134	6	-0.382	-0.382	X
arjefm-95	134	7	(	(	PUNCT
arjefm-95	134	8	-21.79	-21.79	PROPN
arjefm-95	134	9	)	)	PUNCT
arjefm-95	134	10	(	(	PUNCT
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arjefm-95	134	12	)	)	PUNCT
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arjefm-95	134	17	-2.34	-2.34	NUM
arjefm-95	134	18	)	)	PUNCT
arjefm-95	134	19	(	(	PUNCT
arjefm-95	134	20	-1.96	-1.96	NOUN
arjefm-95	134	21	)	)	PUNCT
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arjefm-95	134	23	75,001<=$85,000	75,001<=$85,000	NUM
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arjefm-95	135	18	-13.84	-13.84	NOUN
arjefm-95	135	19	)	)	PUNCT
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arjefm-95	135	21	-9.58	-9.58	NOUN
arjefm-95	135	22	)	)	PUNCT
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arjefm-95	135	25	)	)	PUNCT
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arjefm-95	135	28	)	)	PUNCT
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arjefm-95	135	30	85,001<=$95,000	85,001<=$95,000	NUM
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arjefm-95	136	5	*	*	PUNCT
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arjefm-95	136	19	)	)	PUNCT
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arjefm-95	136	25	)	)	PUNCT
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arjefm-95	136	27	-1.40	-1.40	NOUN
arjefm-95	136	28	)	)	PUNCT
arjefm-95	136	29	>	>	NOUN
arjefm-95	136	30	$	$	SYM
arjefm-95	136	31	95,000	95,000	NUM
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arjefm-95	136	33	*	*	PUNCT
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arjefm-95	137	17	(	(	PUNCT
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arjefm-95	137	19	)	)	PUNCT
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arjefm-95	137	22	)	)	PUNCT
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arjefm-95	137	25	)	)	PUNCT
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arjefm-95	137	28	)	)	PUNCT
arjefm-95	137	29	(	(	PUNCT
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arjefm-95	137	31	)	)	PUNCT
arjefm-95	137	32	home	home	NOUN
arjefm-95	137	33	purchase	purchase	NOUN
arjefm-95	137	34	referent	referent	NOUN
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arjefm-95	138	2	referent	referent	NOUN
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arjefm-95	138	9	1.00	1.00	NUM
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arjefm-95	138	21	*	*	PUNCT
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arjefm-95	138	34	)	)	PUNCT
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arjefm-95	138	37	)	)	PUNCT
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arjefm-95	138	40	)	)	PUNCT
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arjefm-95	138	43	)	)	PUNCT
arjefm-95	138	44	(	(	PUNCT
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arjefm-95	138	46	)	)	PUNCT
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arjefm-95	138	50	*	*	PUNCT
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arjefm-95	138	62	*	*	SYM
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arjefm-95	138	69	)	)	PUNCT
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arjefm-95	138	72	)	)	PUNCT
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arjefm-95	138	75	)	)	PUNCT
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arjefm-95	138	78	)	)	PUNCT
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arjefm-95	138	81	)	)	PUNCT
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arjefm-95	138	109	)	)	PUNCT
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arjefm-95	138	112	)	)	PUNCT
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arjefm-95	138	115	)	)	PUNCT
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arjefm-95	138	118	)	)	PUNCT
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arjefm-95	138	121	)	)	PUNCT
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arjefm-95	138	133	1.66	1.66	NUM
arjefm-95	138	134	)	)	PUNCT
arjefm-95	138	135	(	(	PUNCT
arjefm-95	138	136	3.53	3.53	NUM
arjefm-95	138	137	)	)	PUNCT
arjefm-95	138	138	(	(	PUNCT
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arjefm-95	138	140	)	)	PUNCT
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arjefm-95	138	143	)	)	PUNCT
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arjefm-95	138	146	)	)	PUNCT
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arjefm-95	139	2	referent	referent	NOUN
arjefm-95	139	3	referent	referent	NOUN
arjefm-95	139	4	referent	referent	NOUN
arjefm-95	139	5	referent	referent	NOUN
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arjefm-95	139	19	issue	issue	NOUN
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arjefm-95	151	28	0.16	0.16	NUM
arjefm-95	151	29	)	)	PUNCT
arjefm-95	151	30	(	(	PUNCT
arjefm-95	151	31	-0.30	-0.30	X
arjefm-95	151	32	)	)	PUNCT
arjefm-95	151	33	(	(	PUNCT
arjefm-95	151	34	0.83	0.83	NUM
arjefm-95	151	35	)	)	PUNCT
arjefm-95	151	36	(	(	PUNCT
arjefm-95	151	37	-0.69	-0.69	NOUN
arjefm-95	151	38	)	)	PUNCT
arjefm-95	151	39	2011	2011	NUM
arjefm-95	151	40	0.00317	0.00317	NUM
arjefm-95	151	41	-0.162	-0.162	NOUN
arjefm-95	151	42	*	*	PUNCT
arjefm-95	151	43	*	*	PUNCT
arjefm-95	151	44	*	*	X
arjefm-95	151	45	0.0509	0.0509	NUM
arjefm-95	151	46	0.216	0.216	NUM
arjefm-95	151	47	-0.324	-0.324	SYM
arjefm-95	151	48	(	(	PUNCT
arjefm-95	151	49	0.12	0.12	NUM
arjefm-95	151	50	)	)	PUNCT
arjefm-95	151	51	(	(	PUNCT
arjefm-95	151	52	-4.09	-4.09	NUM
arjefm-95	151	53	)	)	PUNCT
arjefm-95	151	54	(	(	PUNCT
arjefm-95	151	55	1.15	1.15	NUM
arjefm-95	151	56	)	)	PUNCT
arjefm-95	151	57	(	(	PUNCT
arjefm-95	151	58	0.85	0.85	NUM
arjefm-95	151	59	)	)	PUNCT
arjefm-95	151	60	(	(	PUNCT
arjefm-95	151	61	-1.24	-1.24	NOUN
arjefm-95	151	62	)	)	PUNCT
arjefm-95	151	63	2012	2012	NUM
arjefm-95	151	64	-0.0566	-0.0566	NOUN
arjefm-95	151	65	*	*	PUNCT
arjefm-95	152	1	-0.201	-0.201	PUNCT
arjefm-95	152	2	*	*	PUNCT
arjefm-95	152	3	*	*	PUNCT
arjefm-95	152	4	*	*	PUNCT
arjefm-95	152	5	-0.0152	-0.0152	PROPN
arjefm-95	152	6	-0.00278	-0.00278	NOUN
arjefm-95	152	7	-0.394	-0.394	X
arjefm-95	152	8	(	(	PUNCT
arjefm-95	152	9	-2.19	-2.19	NOUN
arjefm-95	152	10	)	)	PUNCT
arjefm-95	152	11	(	(	PUNCT
arjefm-95	152	12	-5.31	-5.31	X
arjefm-95	152	13	)	)	PUNCT
arjefm-95	152	14	(	(	PUNCT
arjefm-95	152	15	-0.36	-0.36	NUM
arjefm-95	152	16	)	)	PUNCT
arjefm-95	152	17	(	(	PUNCT
arjefm-95	152	18	-0.01	-0.01	NUM
arjefm-95	152	19	)	)	PUNCT
arjefm-95	152	20	(	(	PUNCT
arjefm-95	152	21	-1.52	-1.52	NUM
arjefm-95	152	22	)	)	PUNCT
arjefm-95	152	23	2013	2013	NUM
arjefm-95	152	24	-0.00951	-0.00951	NOUN
arjefm-95	152	25	-0.0934	-0.0934	NOUN
arjefm-95	152	26	*	*	PUNCT
arjefm-95	152	27	0.00370	0.00370	NUM
arjefm-95	152	28	0.0889	0.0889	NUM
arjefm-95	152	29	-0.435	-0.435	PUNCT
arjefm-95	152	30	(	(	PUNCT
arjefm-95	152	31	-0.37	-0.37	NUM
arjefm-95	152	32	)	)	PUNCT
arjefm-95	152	33	(	(	PUNCT
arjefm-95	152	34	-2.48	-2.48	NUM
arjefm-95	152	35	)	)	PUNCT
arjefm-95	152	36	(	(	PUNCT
arjefm-95	152	37	0.09	0.09	NUM
arjefm-95	152	38	)	)	PUNCT
arjefm-95	152	39	(	(	PUNCT
arjefm-95	152	40	0.37	0.37	NUM
arjefm-95	152	41	)	)	PUNCT
arjefm-95	152	42	(	(	PUNCT
arjefm-95	152	43	-1.72	-1.72	NOUN
arjefm-95	152	44	)	)	PUNCT
arjefm-95	152	45	nlv	nlv	NOUN
arjefm-95	152	46	to	to	PART
arjefm-95	152	47	income	income	VERB
arjefm-95	152	48	-0.0180	-0.0180	NOUN
arjefm-95	152	49	-0.128	-0.128	PUNCT
arjefm-95	152	50	*	*	PUNCT
arjefm-95	152	51	*	*	PUNCT
arjefm-95	152	52	*	*	PUNCT
arjefm-95	152	53	-0.138	-0.138	PUNCT
arjefm-95	152	54	-0.801	-0.801	PUNCT
arjefm-95	152	55	*	*	PUNCT
arjefm-95	152	56	*	*	PUNCT
arjefm-95	152	57	*	*	PUNCT
arjefm-95	152	58	(	(	PUNCT
arjefm-95	152	59	-0.57	-0.57	NUM
arjefm-95	152	60	)	)	PUNCT
arjefm-95	152	61	(	(	PUNCT
arjefm-95	152	62	-3.89	-3.89	NOUN
arjefm-95	152	63	)	)	PUNCT
arjefm-95	152	64	(	(	PUNCT
arjefm-95	152	65	-0.69	-0.69	NOUN
arjefm-95	152	66	)	)	PUNCT
arjefm-95	152	67	(	(	PUNCT
arjefm-95	152	68	-4.07	-4.07	NOUN
arjefm-95	152	69	)	)	PUNCT
arjefm-95	152	70	constant	constant	ADJ
arjefm-95	152	71	-1.237	-1.237	PUNCT
arjefm-95	152	72	*	*	PUNCT
arjefm-95	152	73	*	*	PUNCT
arjefm-95	152	74	*	*	PUNCT
arjefm-95	152	75	-1.424	-1.424	PUNCT
arjefm-95	152	76	*	*	PUNCT
arjefm-95	152	77	*	*	PUNCT
arjefm-95	152	78	*	*	PUNCT
arjefm-95	152	79	-0.567	-0.567	PUNCT
arjefm-95	152	80	*	*	PUNCT
arjefm-95	152	81	*	*	PUNCT
arjefm-95	152	82	*	*	PUNCT
arjefm-95	152	83	-0.734	-0.734	PUNCT
arjefm-95	152	84	*	*	PUNCT
arjefm-95	152	85	*	*	PUNCT
arjefm-95	152	86	-0.707	-0.707	PROPN
arjefm-95	152	87	*	*	PUNCT
arjefm-95	152	88	(	(	PUNCT
arjefm-95	152	89	-16.84	-16.84	PROPN
arjefm-95	152	90	)	)	PUNCT
arjefm-95	152	91	(	(	PUNCT
arjefm-95	152	92	-31.28	-31.28	INTJ
arjefm-95	152	93	)	)	PUNCT
arjefm-95	152	94	(	(	PUNCT
arjefm-95	152	95	-12.72	-12.72	NOUN
arjefm-95	152	96	)	)	PUNCT
arjefm-95	152	97	(	(	PUNCT
arjefm-95	152	98	-2.74	-2.74	NOUN
arjefm-95	152	99	)	)	PUNCT
arjefm-95	152	100	(	(	PUNCT
arjefm-95	152	101	-2.37	-2.37	NUM
arjefm-95	152	102	)	)	PUNCT
arjefm-95	152	103	n	n	CCONJ
arjefm-95	152	104	138802	138802	NUM
arjefm-95	152	105	78775	78775	NUM
arjefm-95	152	106	36965	36965	NUM
arjefm-95	152	107	1638	1638	NUM
arjefm-95	152	108	1333	1333	NUM
arjefm-95	152	109	thus	thus	ADV
arjefm-95	152	110	,	,	PUNCT
arjefm-95	152	111	the	the	DET
arjefm-95	152	112	environment	environment	NOUN
arjefm-95	152	113	can	can	AUX
arjefm-95	152	114	be	be	AUX
arjefm-95	152	115	captured	capture	VERB
arjefm-95	152	116	in	in	ADP
arjefm-95	152	117	the	the	DET
arjefm-95	152	118	different	different	ADJ
arjefm-95	152	119	survey	survey	NOUN
arjefm-95	152	120	years	year	NOUN
arjefm-95	152	121	.	.	PUNCT
arjefm-95	153	1	from	from	ADP
arjefm-95	153	2	table	table	NOUN
arjefm-95	153	3	1	1	NUM
arjefm-95	153	4	,	,	PUNCT
arjefm-95	153	5	we	we	PRON
arjefm-95	153	6	see	see	VERB
arjefm-95	153	7	that	that	SCONJ
arjefm-95	153	8	loan	loan	NOUN
arjefm-95	153	9	denial	denial	NOUN
arjefm-95	153	10	was	be	AUX
arjefm-95	153	11	more	more	ADV
arjefm-95	153	12	likely	likely	ADJ
arjefm-95	153	13	to	to	PART
arjefm-95	153	14	occur	occur	VERB
arjefm-95	153	15	in	in	ADP
arjefm-95	153	16	2008	2008	NUM
arjefm-95	153	17	compared	compare	VERB
arjefm-95	153	18	to	to	ADP
arjefm-95	153	19	2007	2007	NUM
arjefm-95	153	20	and	and	CCONJ
arjefm-95	153	21	less	less	ADV
arjefm-95	153	22	likely	likely	ADJ
arjefm-95	153	23	to	to	PART
arjefm-95	153	24	occur	occur	VERB
arjefm-95	153	25	in	in	ADP
arjefm-95	153	26	2009	2009	NUM
arjefm-95	153	27	,	,	PUNCT
arjefm-95	153	28	2010	2010	NUM
arjefm-95	153	29	,	,	PUNCT
arjefm-95	153	30	2011	2011	NUM
arjefm-95	153	31	,	,	PUNCT
arjefm-95	153	32	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	153	33	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	153	34	american	american	PROPN
arjefm-95	153	35	research	research	PROPN
arjefm-95	153	36	journal	journal	PROPN
arjefm-95	153	37	of	of	ADP
arjefm-95	153	38	economics	economic	NOUN
arjefm-95	153	39	,	,	PUNCT
arjefm-95	153	40	finance	finance	NOUN
arjefm-95	153	41	and	and	CCONJ
arjefm-95	153	42	management	management	NOUN
arjefm-95	153	43	volume	volume	NOUN
arjefm-95	153	44	11	11	NUM
arjefm-95	153	45	issue	issue	NOUN
arjefm-95	153	46	4	4	NUM
arjefm-95	153	47	,	,	PUNCT
arjefm-95	153	48	october	october	PROPN
arjefm-95	153	49	-	-	PUNCT
arjefm-95	153	50	december	december	PROPN
arjefm-95	153	51	2023	2023	NUM
arjefm-95	153	52	issn	issn	NOUN
arjefm-95	153	53	:	:	PUNCT
arjefm-95	153	54	2836	2836	NUM
arjefm-95	153	55	-	-	SYM
arjefm-95	153	56	9416	9416	NUM
arjefm-95	153	57	impact	impact	NOUN
arjefm-95	153	58	factor	factor	NOUN
arjefm-95	153	59	:	:	PUNCT
arjefm-95	153	60	5.57	5.57	NUM
arjefm-95	153	61	journal	journal	NOUN
arjefm-95	153	62	homepage	homepage	NOUN
arjefm-95	153	63	:	:	PUNCT
arjefm-95	153	64	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	153	65	,	,	PUNCT
arjefm-95	153	66	email	email	NOUN
arjefm-95	153	67	:	:	PUNCT
arjefm-95	153	68	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-95	153	69	official	official	ADJ
arjefm-95	153	70	journal	journal	PROPN
arjefm-95	153	71	of	of	ADP
arjefm-95	153	72	america	america	PROPN
arjefm-95	153	73	serial	serial	PROPN
arjefm-95	153	74	publication	publication	NOUN
arjefm-95	153	75	american	american	PROPN
arjefm-95	153	76	research	research	PROPN
arjefm-95	153	77	journal	journal	PROPN
arjefm-95	153	78	of	of	ADP
arjefm-95	153	79	economics	economic	NOUN
arjefm-95	153	80	,	,	PUNCT
arjefm-95	153	81	finance	finance	NOUN
arjefm-95	153	82	and	and	CCONJ
arjefm-95	153	83	management	management	NOUN
arjefm-95	153	84	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	153	85	,	,	PUNCT
arjefm-95	153	86	email	email	NOUN
arjefm-95	153	87	:	:	PUNCT
arjefm-95	153	88	contact@americaserial.com	contact@americaserial.com	X
arjefm-95	154	1	84	84	NUM
arjefm-95	155	1	|	|	ADV
arjefm-95	155	2	p	p	X
arjefm-95	155	3	a	a	DET
arjefm-95	155	4	g	g	NOUN
arjefm-95	155	5	e	e	NOUN
arjefm-95	155	6	2012	2012	NUM
arjefm-95	155	7	,	,	PUNCT
arjefm-95	155	8	and	and	CCONJ
arjefm-95	155	9	2013	2013	NUM
arjefm-95	155	10	.	.	PUNCT
arjefm-95	156	1	models1	models1	ADJ
arjefm-95	156	2	,	,	PUNCT
arjefm-95	156	3	2	2	NUM
arjefm-95	156	4	,	,	PUNCT
arjefm-95	156	5	3	3	NUM
arjefm-95	156	6	,	,	PUNCT
arjefm-95	156	7	4	4	NUM
arjefm-95	156	8	,	,	PUNCT
arjefm-95	156	9	and	and	CCONJ
arjefm-95	156	10	5	5	NUM
arjefm-95	156	11	in	in	ADP
arjefm-95	156	12	table	table	NOUN
arjefm-95	156	13	25	25	NUM
arjefm-95	156	14	is	be	AUX
arjefm-95	156	15	the	the	DET
arjefm-95	156	16	logistic	logistic	ADJ
arjefm-95	156	17	regression	regression	NOUN
arjefm-95	156	18	of	of	ADP
arjefm-95	156	19	loan	loan	NOUN
arjefm-95	156	20	denial	denial	NOUN
arjefm-95	156	21	rates	rate	NOUN
arjefm-95	156	22	for	for	ADP
arjefm-95	156	23	all	all	DET
arjefm-95	156	24	races	race	NOUN
arjefm-95	156	25	,	,	PUNCT
arjefm-95	156	26	white	white	ADJ
arjefm-95	156	27	,	,	PUNCT
arjefm-95	156	28	african	african	ADJ
arjefm-95	156	29	americans	americans	PROPN
arjefm-95	156	30	,	,	PUNCT
arjefm-95	156	31	hispanics	hispanic	NOUN
arjefm-95	156	32	,	,	PUNCT
arjefm-95	156	33	and	and	CCONJ
arjefm-95	156	34	asians	asians	PROPN
arjefm-95	156	35	from	from	ADP
arjefm-95	156	36	2007	2007	NUM
arjefm-95	156	37	to	to	ADP
arjefm-95	156	38	2013	2013	NUM
arjefm-95	156	39	.	.	PUNCT
arjefm-95	157	1	model	model	PROPN
arjefm-95	157	2	1	1	NUM
arjefm-95	157	3	,	,	PUNCT
arjefm-95	157	4	suggeststhat	suggeststhat	DET
arjefm-95	157	5	whites	white	NOUN
arjefm-95	157	6	who	who	PRON
arjefm-95	157	7	apply	apply	VERB
arjefm-95	157	8	for	for	ADP
arjefm-95	157	9	loans	loan	NOUN
arjefm-95	157	10	in	in	ADP
arjefm-95	157	11	high	high	ADJ
arjefm-95	157	12	minority	minority	NOUN
arjefm-95	157	13	areas	area	NOUN
arjefm-95	157	14	are	be	AUX
arjefm-95	157	15	1.51	1.51	NUM
arjefm-95	157	16	times	time	NOUN
arjefm-95	157	17	more	more	ADV
arjefm-95	157	18	likely	likely	ADJ
arjefm-95	157	19	to	to	PART
arjefm-95	157	20	be	be	AUX
arjefm-95	157	21	denied	deny	VERB
arjefm-95	157	22	loans	loan	NOUN
arjefm-95	157	23	.	.	PUNCT
arjefm-95	158	1	the	the	PRON
arjefm-95	158	2	higher	high	ADJ
arjefm-95	158	3	your	your	PRON
arjefm-95	158	4	income	income	NOUN
arjefm-95	158	5	the	the	PRON
arjefm-95	158	6	less	less	ADV
arjefm-95	158	7	likely	likely	ADJ
arjefm-95	158	8	you	you	PRON
arjefm-95	158	9	will	will	AUX
arjefm-95	158	10	be	be	AUX
arjefm-95	158	11	denied	deny	VERB
arjefm-95	158	12	loan	loan	NOUN
arjefm-95	158	13	.	.	PUNCT
arjefm-95	159	1	compared	compare	VERB
arjefm-95	159	2	with	with	ADP
arjefm-95	159	3	home	home	NOUN
arjefm-95	159	4	purchase	purchase	NOUN
arjefm-95	159	5	applications	application	NOUN
arjefm-95	159	6	,	,	PUNCT
arjefm-95	159	7	home	home	NOUN
arjefm-95	159	8	improvement	improvement	NOUN
arjefm-95	159	9	loans	loan	NOUN
arjefm-95	159	10	,	,	PUNCT
arjefm-95	159	11	and	and	CCONJ
arjefm-95	159	12	home	home	NOUN
arjefm-95	159	13	refinance	refinance	NOUN
arjefm-95	159	14	loans	loan	NOUN
arjefm-95	159	15	are	be	AUX
arjefm-95	159	16	more	more	ADV
arjefm-95	159	17	likely	likely	ADJ
arjefm-95	159	18	to	to	PART
arjefm-95	159	19	be	be	AUX
arjefm-95	159	20	denied	deny	VERB
arjefm-95	159	21	for	for	ADP
arjefm-95	159	22	white	white	ADJ
arjefm-95	159	23	applicants	applicant	NOUN
arjefm-95	159	24	over	over	ADP
arjefm-95	159	25	the	the	DET
arjefm-95	159	26	study	study	NOUN
arjefm-95	159	27	period	period	NOUN
arjefm-95	159	28	.	.	PUNCT
arjefm-95	160	1	model	model	NOUN
arjefm-95	160	2	2	2	NUM
arjefm-95	160	3	shows	show	VERB
arjefm-95	160	4	that	that	SCONJ
arjefm-95	160	5	whites	white	NOUN
arjefm-95	160	6	who	who	PRON
arjefm-95	160	7	live	live	VERB
arjefm-95	160	8	in	in	ADP
arjefm-95	160	9	madison	madison	PROPN
arjefm-95	160	10	are	be	AUX
arjefm-95	160	11	less	less	ADV
arjefm-95	160	12	likely	likely	ADJ
arjefm-95	160	13	to	to	PART
arjefm-95	160	14	be	be	AUX
arjefm-95	160	15	denied	deny	VERB
arjefm-95	160	16	loans	loan	NOUN
arjefm-95	160	17	compared	compare	VERB
arjefm-95	160	18	to	to	ADP
arjefm-95	160	19	whites	white	NOUN
arjefm-95	160	20	who	who	PRON
arjefm-95	160	21	live	live	VERB
arjefm-95	160	22	in	in	ADP
arjefm-95	160	23	rankin	rankin	PROPN
arjefm-95	160	24	county	county	PROPN
arjefm-95	160	25	and	and	CCONJ
arjefm-95	160	26	more	more	ADV
arjefm-95	160	27	likely	likely	ADJ
arjefm-95	160	28	to	to	PART
arjefm-95	160	29	be	be	AUX
arjefm-95	160	30	denied	deny	VERB
arjefm-95	160	31	loan	loan	NOUN
arjefm-95	160	32	compared	compare	VERB
arjefm-95	160	33	to	to	ADP
arjefm-95	160	34	whites	white	NOUN
arjefm-95	160	35	in	in	ADP
arjefm-95	160	36	hinds	hinds	PROPN
arjefm-95	160	37	county	county	PROPN
arjefm-95	160	38	.	.	PUNCT
arjefm-95	161	1	these	these	DET
arjefm-95	161	2	results	result	NOUN
arjefm-95	161	3	are	be	AUX
arjefm-95	161	4	significant	significant	ADJ
arjefm-95	161	5	both	both	CCONJ
arjefm-95	161	6	in	in	ADP
arjefm-95	161	7	magnitude	magnitude	NOUN
arjefm-95	161	8	and	and	CCONJ
arjefm-95	161	9	coefficients	coefficient	NOUN
arjefm-95	161	10	on	on	ADP
arjefm-95	161	11	loan	loan	NOUN
arjefm-95	161	12	total	total	NOUN
arjefm-95	161	13	or	or	CCONJ
arjefm-95	161	14	amounts	amount	NOUN
arjefm-95	161	15	.	.	PUNCT
arjefm-95	162	1	the	the	DET
arjefm-95	162	2	results	result	NOUN
arjefm-95	162	3	are	be	AUX
arjefm-95	162	4	consistent	consistent	ADJ
arjefm-95	162	5	with	with	ADP
arjefm-95	162	6	the	the	DET
arjefm-95	162	7	results	result	NOUN
arjefm-95	162	8	from	from	ADP
arjefm-95	162	9	model	model	NOUN
arjefm-95	162	10	1	1	NUM
arjefm-95	162	11	that	that	PRON
arjefm-95	162	12	shows	show	VERB
arjefm-95	162	13	that	that	SCONJ
arjefm-95	162	14	loan	loan	NOUN
arjefm-95	162	15	amounts	amount	VERB
arjefm-95	162	16	greater	great	ADJ
arjefm-95	162	17	than	than	ADP
arjefm-95	162	18	$	$	SYM
arjefm-95	162	19	500,000	500,000	NUM
arjefm-95	162	20	are	be	AUX
arjefm-95	162	21	more	more	ADV
arjefm-95	162	22	likely	likely	ADJ
arjefm-95	162	23	to	to	PART
arjefm-95	162	24	be	be	AUX
arjefm-95	162	25	denied	deny	VERB
arjefm-95	162	26	.	.	PUNCT
arjefm-95	163	1	however	however	ADV
arjefm-95	163	2	,	,	PUNCT
arjefm-95	163	3	whites	white	NOUN
arjefm-95	163	4	who	who	PRON
arjefm-95	163	5	apply	apply	VERB
arjefm-95	163	6	for	for	ADP
arjefm-95	163	7	va	va	NOUN
arjefm-95	163	8	loans	loan	NOUN
arjefm-95	163	9	are	be	AUX
arjefm-95	163	10	more	more	ADV
arjefm-95	163	11	likely	likely	ADJ
arjefm-95	163	12	to	to	PART
arjefm-95	163	13	be	be	AUX
arjefm-95	163	14	denied	deny	VERB
arjefm-95	163	15	loans	loan	NOUN
arjefm-95	163	16	.	.	PUNCT
arjefm-95	164	1	this	this	DET
arjefm-95	164	2	result	result	NOUN
arjefm-95	164	3	is	be	AUX
arjefm-95	164	4	not	not	PART
arjefm-95	164	5	consistent	consistent	ADJ
arjefm-95	164	6	with	with	ADP
arjefm-95	164	7	the	the	DET
arjefm-95	164	8	result	result	NOUN
arjefm-95	164	9	frommodel	frommodel	NOUN
arjefm-95	164	10	1	1	NUM
arjefm-95	164	11	that	that	PRON
arjefm-95	164	12	shows	show	VERB
arjefm-95	164	13	that	that	SCONJ
arjefm-95	164	14	va	va	PROPN
arjefm-95	164	15	loans	loan	NOUN
arjefm-95	164	16	are	be	AUX
arjefm-95	164	17	more	more	ADV
arjefm-95	164	18	likely	likely	ADJ
arjefm-95	164	19	to	to	PART
arjefm-95	164	20	be	be	AUX
arjefm-95	164	21	approved	approve	VERB
arjefm-95	164	22	compared	compare	VERB
arjefm-95	164	23	to	to	ADP
arjefm-95	164	24	conventional	conventional	ADJ
arjefm-95	164	25	loans	loan	NOUN
arjefm-95	164	26	.	.	PUNCT
arjefm-95	165	1	further	far	ADV
arjefm-95	165	2	,	,	PUNCT
arjefm-95	165	3	the	the	DET
arjefm-95	165	4	results	result	NOUN
arjefm-95	165	5	on	on	ADP
arjefm-95	165	6	environment	environment	NOUN
arjefm-95	165	7	in	in	ADP
arjefm-95	165	8	model	model	NOUN
arjefm-95	165	9	2	2	NUM
arjefm-95	165	10	is	be	AUX
arjefm-95	165	11	similar	similar	ADJ
arjefm-95	165	12	to	to	ADP
arjefm-95	165	13	the	the	DET
arjefm-95	165	14	results	result	NOUN
arjefm-95	165	15	frommodel1	frommodel1	PROPN
arjefm-95	165	16	.	.	PUNCT
arjefm-95	166	1	model	model	NOUN
arjefm-95	166	2	3	3	NUM
arjefm-95	166	3	represents	represent	VERB
arjefm-95	166	4	the	the	DET
arjefm-95	166	5	results	result	NOUN
arjefm-95	166	6	for	for	ADP
arjefm-95	166	7	african	african	ADJ
arjefm-95	166	8	americans	americans	PROPN
arjefm-95	166	9	.	.	PUNCT
arjefm-95	167	1	african	african	ADJ
arjefm-95	167	2	americans	americans	PROPN
arjefm-95	167	3	who	who	PRON
arjefm-95	167	4	live	live	VERB
arjefm-95	167	5	in	in	ADP
arjefm-95	167	6	high	high	ADJ
arjefm-95	167	7	minority	minority	NOUN
arjefm-95	167	8	tract	tract	NOUN
arjefm-95	167	9	population	population	NOUN
arjefm-95	167	10	are	be	AUX
arjefm-95	167	11	1.2	1.2	NUM
arjefm-95	167	12	times	time	NOUN
arjefm-95	167	13	more	more	ADV
arjefm-95	167	14	likely	likely	ADJ
arjefm-95	167	15	to	to	PART
arjefm-95	167	16	be	be	AUX
arjefm-95	167	17	denied	deny	VERB
arjefm-95	167	18	loans	loan	NOUN
arjefm-95	167	19	.	.	PUNCT
arjefm-95	168	1	it	it	PRON
arjefm-95	168	2	is	be	AUX
arjefm-95	168	3	interesting	interesting	ADJ
arjefm-95	168	4	to	to	PART
arjefm-95	168	5	note	note	VERB
arjefm-95	168	6	that	that	SCONJ
arjefm-95	168	7	african	african	ADJ
arjefm-95	168	8	americans	americans	PROPN
arjefm-95	168	9	who	who	PRON
arjefm-95	168	10	have	have	VERB
arjefm-95	168	11	loan	loan	NOUN
arjefm-95	168	12	to	to	PART
arjefm-95	168	13	income	income	NOUN
arjefm-95	168	14	ratio	ratio	NOUN
arjefm-95	168	15	that	that	PRON
arjefm-95	168	16	is	be	AUX
arjefm-95	168	17	three	three	NUM
arjefm-95	168	18	times	time	NOUN
arjefm-95	168	19	or	or	CCONJ
arjefm-95	168	20	less	less	ADJ
arjefm-95	168	21	are	be	AUX
arjefm-95	168	22	11.98	11.98	NUM
arjefm-95	168	23	%	%	NOUN
arjefm-95	168	24	more	more	ADV
arjefm-95	168	25	likely	likely	ADJ
arjefm-95	168	26	to	to	PART
arjefm-95	168	27	be	be	AUX
arjefm-95	168	28	approved	approve	VERB
arjefm-95	168	29	for	for	ADP
arjefm-95	168	30	a	a	DET
arjefm-95	168	31	loan	loan	NOUN
arjefm-95	168	32	compared	compare	VERB
arjefm-95	168	33	with	with	ADP
arjefm-95	168	34	those	those	PRON
arjefm-95	168	35	with	with	ADP
arjefm-95	168	36	loan	loan	NOUN
arjefm-95	168	37	to	to	ADP
arjefm-95	168	38	income	income	NOUN
arjefm-95	168	39	ratio	ratio	NOUN
arjefm-95	168	40	that	that	PRON
arjefm-95	168	41	is	be	AUX
arjefm-95	168	42	more	more	ADJ
arjefm-95	168	43	than	than	ADP
arjefm-95	168	44	3	3	NUM
arjefm-95	168	45	times	time	NOUN
arjefm-95	168	46	the	the	DET
arjefm-95	168	47	loan	loan	NOUN
arjefm-95	168	48	amount	amount	NOUN
arjefm-95	168	49	.	.	PUNCT
arjefm-95	169	1	the	the	DET
arjefm-95	169	2	result	result	NOUN
arjefm-95	169	3	on	on	ADP
arjefm-95	169	4	income	income	NOUN
arjefm-95	169	5	is	be	AUX
arjefm-95	169	6	consistent	consistent	ADJ
arjefm-95	169	7	and	and	CCONJ
arjefm-95	169	8	appears	appear	VERB
arjefm-95	169	9	to	to	PART
arjefm-95	169	10	show	show	VERB
arjefm-95	169	11	that	that	SCONJ
arjefm-95	169	12	there	there	PRON
arjefm-95	169	13	is	be	VERB
arjefm-95	169	14	a	a	DET
arjefm-95	169	15	gradient	gradient	NOUN
arjefm-95	169	16	in	in	ADP
arjefm-95	169	17	loan	loan	NOUN
arjefm-95	169	18	denial	denial	NOUN
arjefm-95	169	19	with	with	ADP
arjefm-95	169	20	income	income	NOUN
arjefm-95	169	21	.	.	PUNCT
arjefm-95	170	1	the	the	DET
arjefm-95	170	2	result	result	NOUN
arjefm-95	170	3	on	on	ADP
arjefm-95	170	4	loan	loan	NOUN
arjefm-95	170	5	purpose	purpose	NOUN
arjefm-95	170	6	is	be	AUX
arjefm-95	170	7	consistent	consistent	ADJ
arjefm-95	170	8	with	with	ADP
arjefm-95	170	9	both	both	DET
arjefm-95	170	10	models	model	NOUN
arjefm-95	170	11	2	2	NUM
arjefm-95	170	12	and	and	CCONJ
arjefm-95	170	13	3	3	NUM
arjefm-95	170	14	that	that	PRON
arjefm-95	170	15	show	show	VERB
arjefm-95	170	16	that	that	SCONJ
arjefm-95	170	17	loan	loan	NOUN
arjefm-95	170	18	applications	application	NOUN
arjefm-95	170	19	for	for	ADP
arjefm-95	170	20	home	home	NOUN
arjefm-95	170	21	improvement	improvement	NOUN
arjefm-95	170	22	and	and	CCONJ
arjefm-95	170	23	home	home	NOUN
arjefm-95	170	24	refinance	refinance	NOUN
arjefm-95	170	25	are	be	AUX
arjefm-95	170	26	more	more	ADV
arjefm-95	170	27	likely	likely	ADJ
arjefm-95	170	28	to	to	PART
arjefm-95	170	29	be	be	AUX
arjefm-95	170	30	denied	deny	VERB
arjefm-95	170	31	compared	compare	VERB
arjefm-95	170	32	to	to	ADP
arjefm-95	170	33	home	home	NOUN
arjefm-95	170	34	purchase	purchase	NOUN
arjefm-95	170	35	.	.	PUNCT
arjefm-95	171	1	although	although	SCONJ
arjefm-95	171	2	not	not	PART
arjefm-95	171	3	significant	significant	ADJ
arjefm-95	171	4	at	at	ADP
arjefm-95	171	5	5	5	NUM
arjefm-95	171	6	%	%	NOUN
arjefm-95	171	7	significant	significant	ADJ
arjefm-95	171	8	level	level	NOUN
arjefm-95	171	9	,	,	PUNCT
arjefm-95	171	10	african	african	ADJ
arjefm-95	171	11	americans	americans	PROPN
arjefm-95	171	12	who	who	PRON
arjefm-95	171	13	live	live	VERB
arjefm-95	171	14	in	in	ADP
arjefm-95	171	15	madison	madison	PROPN
arjefm-95	171	16	are	be	AUX
arjefm-95	171	17	less	less	ADV
arjefm-95	171	18	likely	likely	ADJ
arjefm-95	171	19	to	to	PART
arjefm-95	171	20	be	be	AUX
arjefm-95	171	21	denied	deny	VERB
arjefm-95	171	22	loans	loan	NOUN
arjefm-95	171	23	compared	compare	VERB
arjefm-95	171	24	to	to	ADP
arjefm-95	171	25	hinds	hinds	PROPN
arjefm-95	171	26	county	county	PROPN
arjefm-95	171	27	and	and	CCONJ
arjefm-95	171	28	african	african	ADJ
arjefm-95	171	29	americans	americans	PROPN
arjefm-95	171	30	who	who	PRON
arjefm-95	171	31	live	live	VERB
arjefm-95	171	32	in	in	ADP
arjefm-95	171	33	rankin	rankin	PROPN
arjefm-95	171	34	county	county	NOUN
arjefm-95	171	35	are	be	AUX
arjefm-95	171	36	more	more	ADV
arjefm-95	171	37	likely	likely	ADJ
arjefm-95	171	38	to	to	PART
arjefm-95	171	39	be	be	AUX
arjefm-95	171	40	denied	deny	VERB
arjefm-95	171	41	loans	loan	NOUN
arjefm-95	171	42	compared	compare	VERB
arjefm-95	171	43	to	to	ADP
arjefm-95	171	44	hinds	hinds	PROPN
arjefm-95	171	45	county	county	PROPN
arjefm-95	171	46	.	.	PUNCT
arjefm-95	172	1	the	the	DET
arjefm-95	172	2	results	result	NOUN
arjefm-95	172	3	on	on	ADP
arjefm-95	172	4	loan	loan	NOUN
arjefm-95	172	5	amount	amount	NOUN
arjefm-95	172	6	are	be	AUX
arjefm-95	172	7	consistent	consistent	ADJ
arjefm-95	172	8	with	with	ADP
arjefm-95	172	9	both	both	CCONJ
arjefm-95	172	10	the	the	DET
arjefm-95	172	11	results	result	NOUN
arjefm-95	172	12	from	from	ADP
arjefm-95	172	13	models	model	NOUN
arjefm-95	172	14	2	2	NUM
arjefm-95	172	15	and	and	CCONJ
arjefm-95	172	16	3	3	NUM
arjefm-95	172	17	,	,	PUNCT
arjefm-95	172	18	respectively	respectively	ADV
arjefm-95	172	19	.	.	PUNCT
arjefm-95	173	1	however	however	ADV
arjefm-95	173	2	,	,	PUNCT
arjefm-95	173	3	the	the	DET
arjefm-95	173	4	results	result	NOUN
arjefm-95	173	5	on	on	ADP
arjefm-95	173	6	types	type	NOUN
arjefm-95	173	7	of	of	ADP
arjefm-95	173	8	loans	loan	NOUN
arjefm-95	173	9	in	in	ADP
arjefm-95	173	10	model	model	NOUN
arjefm-95	173	11	3	3	NUM
arjefm-95	173	12	is	be	AUX
arjefm-95	173	13	similar	similar	ADJ
arjefm-95	173	14	to	to	ADP
arjefm-95	173	15	the	the	DET
arjefm-95	173	16	results	result	NOUN
arjefm-95	173	17	frommodel	frommodel	ADJ
arjefm-95	173	18	1	1	NUM
arjefm-95	173	19	and	and	CCONJ
arjefm-95	173	20	different	different	ADJ
arjefm-95	173	21	frommodel	frommodel	NOUN
arjefm-95	173	22	2	2	NUM
arjefm-95	173	23	which	which	PRON
arjefm-95	173	24	showed	show	VERB
arjefm-95	173	25	va	va	NOUN
arjefm-95	173	26	loans	loan	NOUN
arjefm-95	173	27	to	to	PART
arjefm-95	173	28	be	be	AUX
arjefm-95	173	29	more	more	ADV
arjefm-95	173	30	likely	likely	ADJ
arjefm-95	173	31	to	to	PART
arjefm-95	173	32	be	be	AUX
arjefm-95	173	33	denied	deny	VERB
arjefm-95	173	34	for	for	ADP
arjefm-95	173	35	whites	white	NOUN
arjefm-95	173	36	.	.	PUNCT
arjefm-95	174	1	environment	environment	NOUN
arjefm-95	174	2	is	be	AUX
arjefm-95	174	3	similar	similar	ADJ
arjefm-95	174	4	for	for	ADP
arjefm-95	174	5	both	both	DET
arjefm-95	174	6	models	model	NOUN
arjefm-95	174	7	1and	1and	NUM
arjefm-95	174	8	2	2	NUM
arjefm-95	174	9	with	with	ADP
arjefm-95	174	10	the	the	DET
arjefm-95	174	11	exception	exception	NOUN
arjefm-95	174	12	of	of	ADP
arjefm-95	174	13	2008	2008	NUM
arjefm-95	174	14	,	,	PUNCT
arjefm-95	174	15	which	which	PRON
arjefm-95	174	16	is	be	AUX
arjefm-95	174	17	significant	significant	ADJ
arjefm-95	174	18	in	in	ADP
arjefm-95	174	19	loan	loan	NOUN
arjefm-95	174	20	denial	denial	NOUN
arjefm-95	174	21	for	for	ADP
arjefm-95	174	22	african	african	ADJ
arjefm-95	174	23	americans	americans	PROPN
arjefm-95	174	24	.	.	PUNCT
arjefm-95	175	1	model	model	NOUN
arjefm-95	175	2	4	4	NUM
arjefm-95	175	3	shows	show	VERB
arjefm-95	175	4	the	the	DET
arjefm-95	175	5	results	result	NOUN
arjefm-95	175	6	for	for	ADP
arjefm-95	175	7	hispanics	hispanic	NOUN
arjefm-95	175	8	on	on	ADP
arjefm-95	175	9	loan	loan	NOUN
arjefm-95	175	10	denial	denial	NOUN
arjefm-95	175	11	.	.	PUNCT
arjefm-95	176	1	the	the	DET
arjefm-95	176	2	result	result	NOUN
arjefm-95	176	3	seems	seem	VERB
arjefm-95	176	4	to	to	PART
arjefm-95	176	5	follow	follow	VERB
arjefm-95	176	6	a	a	DET
arjefm-95	176	7	similar	similar	ADJ
arjefm-95	176	8	pattern	pattern	NOUN
arjefm-95	176	9	,	,	PUNCT
arjefm-95	176	10	however	however	ADV
arjefm-95	176	11	some	some	PRON
arjefm-95	176	12	of	of	ADP
arjefm-95	176	13	the	the	DET
arjefm-95	176	14	variables	variable	NOUN
arjefm-95	176	15	are	be	AUX
arjefm-95	176	16	insignificant	insignificant	ADJ
arjefm-95	176	17	although	although	SCONJ
arjefm-95	176	18	the	the	DET
arjefm-95	176	19	signs	sign	NOUN
arjefm-95	176	20	are	be	AUX
arjefm-95	176	21	consistent	consistent	ADJ
arjefm-95	176	22	with	with	ADP
arjefm-95	176	23	results	result	NOUN
arjefm-95	176	24	from	from	ADP
arjefm-95	176	25	models1	models1	ADJ
arjefm-95	176	26	,	,	PUNCT
arjefm-95	176	27	2	2	NUM
arjefm-95	176	28	,	,	PUNCT
arjefm-95	176	29	3	3	NUM
arjefm-95	176	30	,	,	PUNCT
arjefm-95	176	31	4	4	NUM
arjefm-95	176	32	,	,	PUNCT
arjefm-95	176	33	and	and	CCONJ
arjefm-95	176	34	5	5	NUM
arjefm-95	176	35	.	.	PUNCT
arjefm-95	176	36	further	far	ADV
arjefm-95	176	37	,	,	PUNCT
arjefm-95	176	38	model4	model4	NOUN
arjefm-95	176	39	shows	show	VERB
arjefm-95	176	40	that	that	SCONJ
arjefm-95	176	41	income	income	NOUN
arjefm-95	176	42	is	be	AUX
arjefm-95	176	43	consistent	consistent	ADJ
arjefm-95	176	44	in	in	ADP
arjefm-95	176	45	determining	determine	VERB
arjefm-95	176	46	loan	loan	NOUN
arjefm-95	176	47	denial	denial	NOUN
arjefm-95	176	48	.	.	PUNCT
arjefm-95	177	1	model4	model4	NOUN
arjefm-95	177	2	also	also	ADV
arjefm-95	177	3	shows	show	VERB
arjefm-95	177	4	that	that	SCONJ
arjefm-95	177	5	loans	loan	NOUN
arjefm-95	177	6	for	for	ADP
arjefm-95	177	7	home	home	NOUN
arjefm-95	177	8	improvement	improvement	NOUN
arjefm-95	177	9	and	and	CCONJ
arjefm-95	177	10	home	home	NOUN
arjefm-95	177	11	refinance	refinance	NOUN
arjefm-95	177	12	are	be	AUX
arjefm-95	177	13	more	more	ADV
arjefm-95	177	14	likely	likely	ADJ
arjefm-95	177	15	to	to	PART
arjefm-95	177	16	be	be	AUX
arjefm-95	177	17	denied	deny	VERB
arjefm-95	177	18	compared	compare	VERB
arjefm-95	177	19	to	to	ADP
arjefm-95	177	20	loans	loan	NOUN
arjefm-95	177	21	for	for	ADP
arjefm-95	177	22	home	home	NOUN
arjefm-95	177	23	purchase	purchase	NOUN
arjefm-95	177	24	for	for	ADP
arjefm-95	177	25	hispanics	hispanic	NOUN
arjefm-95	177	26	.	.	PUNCT
arjefm-95	178	1	model	model	NOUN
arjefm-95	178	2	5	5	NUM
arjefm-95	178	3	which	which	PRON
arjefm-95	178	4	represent	represent	VERB
arjefm-95	178	5	the	the	DET
arjefm-95	178	6	logistic	logistic	ADJ
arjefm-95	178	7	regression	regression	NOUN
arjefm-95	178	8	for	for	ADP
arjefm-95	178	9	asian	asian	ADJ
arjefm-95	178	10	americans	americans	PROPN
arjefm-95	178	11	also	also	ADV
arjefm-95	178	12	show	show	VERB
arjefm-95	178	13	that	that	SCONJ
arjefm-95	178	14	income	income	NOUN
arjefm-95	178	15	,	,	PUNCT
arjefm-95	178	16	loan	loan	NOUN
arjefm-95	178	17	to	to	ADP
arjefm-95	178	18	income	income	NOUN
arjefm-95	178	19	ratio	ratio	NOUN
arjefm-95	178	20	,	,	PUNCT
arjefm-95	178	21	and	and	CCONJ
arjefm-95	178	22	purpose	purpose	NOUN
arjefm-95	178	23	for	for	ADP
arjefm-95	178	24	the	the	DET
arjefm-95	178	25	loan	loan	NOUN
arjefm-95	178	26	are	be	AUX
arjefm-95	178	27	significant	significant	ADJ
arjefm-95	178	28	in	in	ADP
arjefm-95	178	29	determining	determine	VERB
arjefm-95	178	30	loan	loan	NOUN
arjefm-95	178	31	denial	denial	NOUN
arjefm-95	178	32	over	over	ADP
arjefm-95	178	33	the	the	DET
arjefm-95	178	34	study	study	NOUN
arjefm-95	178	35	period	period	NOUN
arjefm-95	178	36	.	.	PUNCT
arjefm-95	179	1	these	these	DET
arjefm-95	179	2	results	result	NOUN
arjefm-95	179	3	are	be	AUX
arjefm-95	179	4	similar	similar	ADJ
arjefm-95	179	5	to	to	ADP
arjefm-95	179	6	the	the	DET
arjefm-95	179	7	findings	finding	NOUN
arjefm-95	179	8	of	of	ADP
arjefm-95	179	9	anyamele	anyamele	PROPN
arjefm-95	179	10	(	(	PUNCT
arjefm-95	179	11	2015	2015	NUM
arjefm-95	179	12	)	)	PUNCT
arjefm-95	179	13	and	and	CCONJ
arjefm-95	179	14	weller	weller	NOUN
arjefm-95	179	15	(	(	PUNCT
arjefm-95	179	16	2009	2009	NUM
arjefm-95	179	17	)	)	PUNCT
arjefm-95	179	18	that	that	PRON
arjefm-95	179	19	showed	show	VERB
arjefm-95	179	20	that	that	SCONJ
arjefm-95	179	21	african	african	ADJ
arjefm-95	179	22	americans	americans	PROPN
arjefm-95	179	23	are	be	AUX
arjefm-95	179	24	more	more	ADV
arjefm-95	179	25	likely	likely	ADJ
arjefm-95	179	26	to	to	PART
arjefm-95	179	27	be	be	AUX
arjefm-95	179	28	credit	credit	NOUN
arjefm-95	179	29	constrained	constrain	VERB
arjefm-95	179	30	.	.	PUNCT
arjefm-95	180	1	to	to	PART
arjefm-95	180	2	further	far	ADV
arjefm-95	180	3	understand	understand	VERB
arjefm-95	180	4	the	the	DET
arjefm-95	180	5	impact	impact	NOUN
arjefm-95	180	6	of	of	ADP
arjefm-95	180	7	location	location	NOUN
arjefm-95	180	8	or	or	CCONJ
arjefm-95	180	9	county	county	NOUN
arjefm-95	180	10	on	on	ADP
arjefm-95	180	11	loan	loan	NOUN
arjefm-95	180	12	denial	denial	NOUN
arjefm-95	180	13	in	in	ADP
arjefm-95	180	14	mississippi	mississippi	PROPN
arjefm-95	180	15	,	,	PUNCT
arjefm-95	180	16	a	a	DET
arjefm-95	180	17	logistic	logistic	ADJ
arjefm-95	180	18	regression	regression	NOUN
arjefm-95	180	19	is	be	AUX
arjefm-95	180	20	ran	run	VERB
arjefm-95	180	21	for	for	ADP
arjefm-95	180	22	each	each	DET
arjefm-95	180	23	county	county	NOUN
arjefm-95	180	24	.	.	PUNCT
arjefm-95	181	1	table	table	NOUN
arjefm-95	181	2	2	2	NUM
arjefm-95	181	3	,	,	PUNCT
arjefm-95	181	4	models	model	NOUN
arjefm-95	181	5	6	6	NUM
arjefm-95	181	6	,	,	PUNCT
arjefm-95	181	7	7	7	NUM
arjefm-95	181	8	,	,	PUNCT
arjefm-95	181	9	8	8	NUM
arjefm-95	181	10	and	and	CCONJ
arjefm-95	181	11	9	9	NUM
arjefm-95	181	12	represent	represent	VERB
arjefm-95	181	13	results	result	NOUN
arjefm-95	181	14	for	for	ADP
arjefm-95	181	15	all	all	DET
arjefm-95	181	16	three	three	NUM
arjefm-95	181	17	counties	county	NOUN
arjefm-95	181	18	combined	combine	VERB
arjefm-95	181	19	,	,	PUNCT
arjefm-95	181	20	hinds	hinds	PROPN
arjefm-95	181	21	,	,	PUNCT
arjefm-95	181	22	madison	madison	PROPN
arjefm-95	181	23	,	,	PUNCT
arjefm-95	181	24	and	and	CCONJ
arjefm-95	181	25	rankin	rankin	PROPN
arjefm-95	181	26	counties	county	NOUN
arjefm-95	181	27	,	,	PUNCT
arjefm-95	181	28	respectively	respectively	ADV
arjefm-95	181	29	.	.	PUNCT
arjefm-95	181	30	table	table	NOUN
arjefm-95	181	31	2	2	NUM
arjefm-95	181	32	:	:	PUNCT
arjefm-95	181	33	logistic	logistic	ADJ
arjefm-95	181	34	regression	regression	NOUN
arjefm-95	181	35	on	on	ADP
arjefm-95	181	36	loan	loan	NOUN
arjefm-95	181	37	denial	denial	NOUN
arjefm-95	181	38	in	in	ADP
arjefm-95	181	39	jackson	jackson	PROPN
arjefm-95	181	40	msa	msa	PROPN
arjefm-95	181	41	2007	2007	NUM
arjefm-95	181	42	-	-	SYM
arjefm-95	181	43	2013	2013	NUM
arjefm-95	181	44	independent	independent	ADJ
arjefm-95	181	45	model	model	NOUN
arjefm-95	181	46	6	6	NUM
arjefm-95	181	47	model	model	NOUN
arjefm-95	181	48	7	7	NUM
arjefm-95	181	49	model	model	NOUN
arjefm-95	181	50	8	8	NUM
arjefm-95	181	51	model9	model9	NOUN
arjefm-95	181	52	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	181	53	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	182	1	american	american	PROPN
arjefm-95	182	2	research	research	PROPN
arjefm-95	182	3	journal	journal	PROPN
arjefm-95	182	4	of	of	ADP
arjefm-95	182	5	economics	economic	NOUN
arjefm-95	182	6	,	,	PUNCT
arjefm-95	182	7	finance	finance	NOUN
arjefm-95	182	8	and	and	CCONJ
arjefm-95	182	9	management	management	NOUN
arjefm-95	182	10	volume	volume	NOUN
arjefm-95	182	11	11	11	NUM
arjefm-95	182	12	issue	issue	NOUN
arjefm-95	182	13	4	4	NUM
arjefm-95	182	14	,	,	PUNCT
arjefm-95	182	15	october	october	PROPN
arjefm-95	182	16	-	-	PUNCT
arjefm-95	182	17	december	december	PROPN
arjefm-95	182	18	2023	2023	NUM
arjefm-95	182	19	issn	issn	NOUN
arjefm-95	182	20	:	:	PUNCT
arjefm-95	182	21	2836	2836	NUM
arjefm-95	182	22	-	-	SYM
arjefm-95	182	23	9416	9416	NUM
arjefm-95	182	24	impact	impact	NOUN
arjefm-95	182	25	factor	factor	NOUN
arjefm-95	182	26	:	:	PUNCT
arjefm-95	182	27	5.57	5.57	NUM
arjefm-95	182	28	journal	journal	NOUN
arjefm-95	182	29	homepage	homepage	NOUN
arjefm-95	182	30	:	:	PUNCT
arjefm-95	182	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	182	32	,	,	PUNCT
arjefm-95	182	33	email	email	NOUN
arjefm-95	182	34	:	:	PUNCT
arjefm-95	183	1	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-95	183	2	official	official	ADJ
arjefm-95	183	3	journal	journal	PROPN
arjefm-95	183	4	of	of	ADP
arjefm-95	183	5	america	america	PROPN
arjefm-95	183	6	serial	serial	PROPN
arjefm-95	183	7	publication	publication	NOUN
arjefm-95	183	8	american	american	PROPN
arjefm-95	183	9	research	research	PROPN
arjefm-95	183	10	journal	journal	PROPN
arjefm-95	183	11	of	of	ADP
arjefm-95	183	12	economics	economic	NOUN
arjefm-95	183	13	,	,	PUNCT
arjefm-95	183	14	finance	finance	NOUN
arjefm-95	183	15	and	and	CCONJ
arjefm-95	183	16	management	management	NOUN
arjefm-95	183	17	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	183	18	,	,	PUNCT
arjefm-95	183	19	email	email	NOUN
arjefm-95	183	20	:	:	PUNCT
arjefm-95	183	21	contact@americaserial.com	contact@americaserial.com	X
arjefm-95	183	22	85	85	NUM
arjefm-95	184	1	|	|	ADV
arjefm-95	184	2	p	p	NOUN
arjefm-95	184	3	a	a	DET
arjefm-95	184	4	g	g	NOUN
arjefm-95	184	5	e	e	NOUN
arjefm-95	184	6	variables	variable	NOUN
arjefm-95	184	7	combined	combine	VERB
arjefm-95	184	8	hinds	hinds	PROPN
arjefm-95	184	9	madison	madison	PROPN
arjefm-95	184	10	rankin	rankin	PROPN
arjefm-95	184	11	no	no	DET
arjefm-95	184	12	race	race	NOUN
arjefm-95	184	13	-0.0145	-0.0145	NOUN
arjefm-95	184	14	0.0143	0.0143	NUM
arjefm-95	184	15	-0.0230	-0.0230	NOUN
arjefm-95	185	1	-0.0181	-0.0181	INTJ
arjefm-95	185	2	(	(	PUNCT
arjefm-95	185	3	-1.52	-1.52	NUM
arjefm-95	185	4	)	)	PUNCT
arjefm-95	185	5	(	(	PUNCT
arjefm-95	185	6	0.77	0.77	NUM
arjefm-95	185	7	)	)	PUNCT
arjefm-95	185	8	(	(	PUNCT
arjefm-95	185	9	-1.68	-1.68	NOUN
arjefm-95	185	10	)	)	PUNCT
arjefm-95	185	11	(	(	PUNCT
arjefm-95	185	12	-1.07	-1.07	X
arjefm-95	185	13	)	)	PUNCT
arjefm-95	185	14	asian	asian	ADJ
arjefm-95	185	15	americas	americas	PROPN
arjefm-95	185	16	referent	referent	NOUN
arjefm-95	185	17	referent	referent	NOUN
arjefm-95	185	18	referent	referent	NOUN
arjefm-95	185	19	referent	referent	NOUN
arjefm-95	185	20	1.00	1.00	NUM
arjefm-95	185	21	1.00	1.00	NUM
arjefm-95	185	22	1.00	1.00	NUM
arjefm-95	185	23	1.00	1.00	NUM
arjefm-95	185	24	african	african	ADJ
arjefm-95	185	25	americans	americans	PROPN
arjefm-95	185	26	0.0820	0.0820	ADV
arjefm-95	185	27	*	*	PUNCT
arjefm-95	185	28	*	*	PUNCT
arjefm-95	185	29	*	*	PUNCT
arjefm-95	185	30	0.0940	0.0940	NUM
arjefm-95	185	31	*	*	PUNCT
arjefm-95	185	32	*	*	PUNCT
arjefm-95	185	33	*	*	PUNCT
arjefm-95	185	34	0.103	0.103	NUM
arjefm-95	185	35	*	*	PUNCT
arjefm-95	185	36	*	*	PUNCT
arjefm-95	185	37	*	*	PUNCT
arjefm-95	185	38	0.111	0.111	NUM
arjefm-95	185	39	*	*	PUNCT
arjefm-95	185	40	*	*	PUNCT
arjefm-95	185	41	*	*	PUNCT
arjefm-95	185	42	(	(	PUNCT
arjefm-95	185	43	8.68	8.68	NUM
arjefm-95	185	44	)	)	PUNCT
arjefm-95	185	45	(	(	PUNCT
arjefm-95	185	46	5.12	5.12	NUM
arjefm-95	185	47	)	)	PUNCT
arjefm-95	185	48	(	(	PUNCT
arjefm-95	185	49	7.55	7.55	NUM
arjefm-95	185	50	)	)	PUNCT
arjefm-95	185	51	(	(	PUNCT
arjefm-95	185	52	6.45	6.45	NUM
arjefm-95	185	53	)	)	PUNCT
arjefm-95	185	54	white	white	ADJ
arjefm-95	185	55	-0.0473	-0.0473	NOUN
arjefm-95	185	56	*	*	PUNCT
arjefm-95	186	1	*	*	PUNCT
arjefm-95	186	2	*	*	NOUN
arjefm-95	186	3	-0.0451	-0.0451	NOUN
arjefm-95	186	4	*	*	PUNCT
arjefm-95	186	5	-0.0519	-0.0519	NOUN
arjefm-95	186	6	*	*	PUNCT
arjefm-95	186	7	*	*	PUNCT
arjefm-95	186	8	*	*	PUNCT
arjefm-95	186	9	-0.0198	-0.0198	ADJ
arjefm-95	186	10	(	(	PUNCT
arjefm-95	186	11	-5.12	-5.12	NUM
arjefm-95	186	12	)	)	PUNCT
arjefm-95	186	13	(	(	PUNCT
arjefm-95	186	14	-2.46	-2.46	X
arjefm-95	186	15	)	)	PUNCT
arjefm-95	186	16	(	(	PUNCT
arjefm-95	186	17	-3.98	-3.98	NOUN
arjefm-95	186	18	)	)	PUNCT
arjefm-95	186	19	(	(	PUNCT
arjefm-95	186	20	-1.21	-1.21	NOUN
arjefm-95	186	21	)	)	PUNCT
arjefm-95	186	22	hispanics	hispanic	NOUN
arjefm-95	186	23	0.0634	0.0634	NUM
arjefm-95	186	24	*	*	PUNCT
arjefm-95	186	25	*	*	PUNCT
arjefm-95	186	26	*	*	PUNCT
arjefm-95	186	27	0.0398	0.0398	NUM
arjefm-95	186	28	*	*	PUNCT
arjefm-95	186	29	0.0690	0.0690	NUM
arjefm-95	186	30	*	*	PUNCT
arjefm-95	186	31	*	*	PUNCT
arjefm-95	186	32	*	*	PUNCT
arjefm-95	186	33	0.0792	0.0792	NUM
arjefm-95	186	34	*	*	PUNCT
arjefm-95	186	35	*	*	PUNCT
arjefm-95	186	36	*	*	PUNCT
arjefm-95	186	37	(	(	PUNCT
arjefm-95	186	38	6.23	6.23	NUM
arjefm-95	186	39	)	)	PUNCT
arjefm-95	186	40	(	(	PUNCT
arjefm-95	186	41	2.21	2.21	NUM
arjefm-95	186	42	)	)	PUNCT
arjefm-95	186	43	(	(	PUNCT
arjefm-95	186	44	4.08	4.08	NUM
arjefm-95	186	45	)	)	PUNCT
arjefm-95	186	46	(	(	PUNCT
arjefm-95	186	47	4.64	4.64	X
arjefm-95	186	48	)	)	PUNCT
arjefm-95	186	49	high	high	ADJ
arjefm-95	186	50	minority	minority	NOUN
arjefm-95	186	51	pop	pop	NOUN
arjefm-95	186	52	0.0557	0.0557	NUM
arjefm-95	186	53	*	*	PUNCT
arjefm-95	186	54	*	*	PUNCT
arjefm-95	186	55	*	*	PUNCT
arjefm-95	186	56	0.0737	0.0737	NUM
arjefm-95	186	57	*	*	PUNCT
arjefm-95	186	58	*	*	PUNCT
arjefm-95	186	59	*	*	PUNCT
arjefm-95	186	60	0.0320	0.0320	NUM
arjefm-95	186	61	*	*	PUNCT
arjefm-95	186	62	*	*	PUNCT
arjefm-95	186	63	*	*	PUNCT
arjefm-95	186	64	0.0747	0.0747	NUM
arjefm-95	186	65	(	(	PUNCT
arjefm-95	186	66	20.42	20.42	NUM
arjefm-95	186	67	)	)	PUNCT
arjefm-95	186	68	(	(	PUNCT
arjefm-95	186	69	18.93	18.93	NUM
arjefm-95	186	70	)	)	PUNCT
arjefm-95	186	71	(	(	PUNCT
arjefm-95	186	72	7.33	7.33	NUM
arjefm-95	186	73	)	)	PUNCT
arjefm-95	186	74	(	(	PUNCT
arjefm-95	186	75	0.71	0.71	NUM
arjefm-95	186	76	)	)	PUNCT
arjefm-95	186	77	nlv	nlv	NOUN
arjefm-95	186	78	to	to	PART
arjefm-95	186	79	income	income	VERB
arjefm-95	186	80	0.00378	0.00378	NUM
arjefm-95	186	81	0.00291	0.00291	NUM
arjefm-95	186	82	0.00134	0.00134	NUM
arjefm-95	186	83	0.0314	0.0314	NUM
arjefm-95	186	84	*	*	PUNCT
arjefm-95	186	85	*	*	PUNCT
arjefm-95	186	86	*	*	PUNCT
arjefm-95	186	87	(	(	PUNCT
arjefm-95	186	88	1.31	1.31	NUM
arjefm-95	186	89	)	)	PUNCT
arjefm-95	186	90	(	(	PUNCT
arjefm-95	186	91	0.60	0.60	NUM
arjefm-95	186	92	)	)	PUNCT
arjefm-95	186	93	(	(	PUNCT
arjefm-95	186	94	0.26	0.26	NUM
arjefm-95	186	95	)	)	PUNCT
arjefm-95	186	96	(	(	PUNCT
arjefm-95	186	97	6.32	6.32	NUM
arjefm-95	186	98	)	)	PUNCT
arjefm-95	186	99	income	income	NOUN
arjefm-95	186	100	<	<	NOUN
arjefm-95	186	101	$	$	SYM
arjefm-95	186	102	45,000	45,000	NUM
arjefm-95	186	103	referent	referent	NOUN
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arjefm-95	197	42	)	)	PUNCT
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arjefm-95	197	59	)	)	PUNCT
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arjefm-95	198	17	)	)	PUNCT
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arjefm-95	198	20	)	)	PUNCT
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arjefm-95	200	8	)	)	PUNCT
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arjefm-95	200	11	)	)	PUNCT
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arjefm-95	201	19	)	)	PUNCT
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arjefm-95	209	100	be	be	AUX
arjefm-95	209	101	denied	deny	VERB
arjefm-95	209	102	loans	loan	NOUN
arjefm-95	209	103	compared	compare	VERB
arjefm-95	209	104	to	to	ADP
arjefm-95	209	105	asian	asian	ADJ
arjefm-95	209	106	americans	americans	PROPN
arjefm-95	209	107	over	over	ADP
arjefm-95	209	108	the	the	DET
arjefm-95	209	109	study	study	NOUN
arjefm-95	209	110	period	period	NOUN
arjefm-95	209	111	.	.	PUNCT
arjefm-95	210	1	frommodel	frommodel	PROPN
arjefm-95	210	2	7	7	NUM
arjefm-95	210	3	,	,	PUNCT
arjefm-95	210	4	we	we	PRON
arjefm-95	210	5	see	see	VERB
arjefm-95	210	6	that	that	PRON
arjefm-95	210	7	census	census	NOUN
arjefm-95	210	8	tracts	tract	NOUN
arjefm-95	210	9	with	with	ADP
arjefm-95	210	10	high	high	ADJ
arjefm-95	210	11	minority	minority	NOUN
arjefm-95	210	12	populations	population	NOUN
arjefm-95	210	13	are	be	AUX
arjefm-95	210	14	more	more	ADV
arjefm-95	210	15	likely	likely	ADJ
arjefm-95	210	16	to	to	PART
arjefm-95	210	17	be	be	AUX
arjefm-95	210	18	denied	deny	VERB
arjefm-95	210	19	loans	loan	NOUN
arjefm-95	210	20	.	.	PUNCT
arjefm-95	211	1	income	income	NOUN
arjefm-95	211	2	,	,	PUNCT
arjefm-95	211	3	purpose	purpose	NOUN
arjefm-95	211	4	of	of	ADP
arjefm-95	211	5	loan	loan	NOUN
arjefm-95	211	6	,	,	PUNCT
arjefm-95	211	7	loan	loan	NOUN
arjefm-95	211	8	to	to	ADP
arjefm-95	211	9	income	income	NOUN
arjefm-95	211	10	ratio	ratio	NOUN
arjefm-95	211	11	,	,	PUNCT
arjefm-95	211	12	loan	loan	NOUN
arjefm-95	211	13	amount	amount	NOUN
arjefm-95	211	14	and	and	CCONJ
arjefm-95	211	15	environment	environment	NOUN
arjefm-95	211	16	all	all	PRON
arjefm-95	211	17	are	be	AUX
arjefm-95	211	18	significant	significant	ADJ
arjefm-95	211	19	and	and	CCONJ
arjefm-95	211	20	consistent	consistent	ADJ
arjefm-95	211	21	with	with	ADP
arjefm-95	211	22	results	result	NOUN
arjefm-95	211	23	from	from	ADP
arjefm-95	211	24	earlier	early	ADJ
arjefm-95	211	25	tables	table	NOUN
arjefm-95	211	26	.	.	PUNCT
arjefm-95	212	1	model	model	NOUN
arjefm-95	212	2	8	8	NUM
arjefm-95	212	3	is	be	AUX
arjefm-95	212	4	the	the	DET
arjefm-95	212	5	logistic	logistic	ADJ
arjefm-95	212	6	regression	regression	NOUN
arjefm-95	212	7	result	result	NOUN
arjefm-95	212	8	for	for	ADP
arjefm-95	212	9	madison	madison	PROPN
arjefm-95	212	10	county	county	PROPN
arjefm-95	212	11	.	.	PUNCT
arjefm-95	213	1	the	the	DET
arjefm-95	213	2	result	result	NOUN
arjefm-95	213	3	is	be	AUX
arjefm-95	213	4	similar	similar	ADJ
arjefm-95	213	5	and	and	CCONJ
arjefm-95	213	6	consistent	consistent	ADJ
arjefm-95	213	7	with	with	ADP
arjefm-95	213	8	the	the	DET
arjefm-95	213	9	results	result	NOUN
arjefm-95	213	10	frommodels	frommodel	VERB
arjefm-95	213	11	6	6	NUM
arjefm-95	213	12	and	and	CCONJ
arjefm-95	213	13	7	7	NUM
arjefm-95	213	14	in	in	ADP
arjefm-95	213	15	table	table	NOUN
arjefm-95	213	16	26	26	NUM
arjefm-95	213	17	.	.	PUNCT
arjefm-95	214	1	model	model	NOUN
arjefm-95	214	2	9	9	NUM
arjefm-95	214	3	presents	present	VERB
arjefm-95	214	4	the	the	DET
arjefm-95	214	5	logistic	logistic	ADJ
arjefm-95	214	6	regression	regression	NOUN
arjefm-95	214	7	results	result	NOUN
arjefm-95	214	8	for	for	ADP
arjefm-95	214	9	rankin	rankin	PROPN
arjefm-95	214	10	county	county	PROPN
arjefm-95	214	11	.	.	PUNCT
arjefm-95	215	1	with	with	ADP
arjefm-95	215	2	the	the	DET
arjefm-95	215	3	exception	exception	NOUN
arjefm-95	215	4	of	of	ADP
arjefm-95	215	5	2010	2010	NUM
arjefm-95	215	6	loan	loan	NOUN
arjefm-95	215	7	denial	denial	NOUN
arjefm-95	215	8	,	,	PUNCT
arjefm-95	215	9	all	all	DET
arjefm-95	215	10	the	the	DET
arjefm-95	215	11	other	other	ADJ
arjefm-95	215	12	results	result	NOUN
arjefm-95	215	13	are	be	AUX
arjefm-95	215	14	similar	similar	ADJ
arjefm-95	215	15	.	.	PUNCT
arjefm-95	216	1	although	although	SCONJ
arjefm-95	216	2	high	high	ADJ
arjefm-95	216	3	minority	minority	NOUN
arjefm-95	216	4	population	population	NOUN
arjefm-95	216	5	tract	tract	NOUN
arjefm-95	216	6	is	be	AUX
arjefm-95	216	7	not	not	PART
arjefm-95	216	8	significant	significant	ADJ
arjefm-95	216	9	,	,	PUNCT
arjefm-95	216	10	the	the	DET
arjefm-95	216	11	sign	sign	NOUN
arjefm-95	216	12	is	be	AUX
arjefm-95	216	13	consistent	consistent	ADJ
arjefm-95	216	14	with	with	ADP
arjefm-95	216	15	models	model	NOUN
arjefm-95	216	16	6	6	NUM
arjefm-95	216	17	,	,	PUNCT
arjefm-95	216	18	7	7	NUM
arjefm-95	216	19	,	,	PUNCT
arjefm-95	216	20	and	and	CCONJ
arjefm-95	216	21	8	8	NUM
arjefm-95	216	22	.	.	PUNCT
arjefm-95	217	1	the	the	DET
arjefm-95	217	2	result	result	NOUN
arjefm-95	217	3	is	be	AUX
arjefm-95	217	4	consistent	consistent	ADJ
arjefm-95	217	5	with	with	ADP
arjefm-95	217	6	the	the	DET
arjefm-95	217	7	results	result	NOUN
arjefm-95	217	8	of	of	ADP
arjefm-95	217	9	ezeala	ezeala	NOUN
arjefm-95	217	10	-	-	PUNCT
arjefm-95	217	11	harrison	harrison	NOUN
arjefm-95	217	12	et	et	PROPN
arjefm-95	217	13	al	al	PROPN
arjefm-95	217	14	(	(	PUNCT
arjefm-95	217	15	2008	2008	NUM
arjefm-95	217	16	)	)	PUNCT
arjefm-95	217	17	.	.	PUNCT
arjefm-95	218	1	blinder	blinder	PROPN
arjefm-95	218	2	-	-	PUNCT
arjefm-95	218	3	oaxaca	oaxaca	PROPN
arjefm-95	218	4	decomposition	decomposition	NOUN
arjefm-95	218	5	and	and	CCONJ
arjefm-95	218	6	loan	loan	NOUN
arjefm-95	218	7	denial	denial	NOUN
arjefm-95	218	8	discrimination	discrimination	NOUN
arjefm-95	218	9	to	to	PART
arjefm-95	218	10	further	far	ADV
arjefm-95	218	11	understand	understand	VERB
arjefm-95	218	12	the	the	DET
arjefm-95	218	13	burden	burden	NOUN
arjefm-95	218	14	imposed	impose	VERB
arjefm-95	218	15	by	by	ADP
arjefm-95	218	16	discrimination	discrimination	NOUN
arjefm-95	218	17	on	on	ADP
arjefm-95	218	18	loan	loan	NOUN
arjefm-95	218	19	denial	denial	NOUN
arjefm-95	218	20	to	to	ADP
arjefm-95	218	21	different	different	ADJ
arjefm-95	218	22	ethnic	ethnic	ADJ
arjefm-95	218	23	groups	group	NOUN
arjefm-95	218	24	we	we	PRON
arjefm-95	218	25	employ	employ	VERB
arjefm-95	218	26	the	the	DET
arjefm-95	218	27	blender	blender	NOUN
arjefm-95	218	28	-	-	PUNCT
arjefm-95	218	29	oaxaca	oaxaca	PROPN
arjefm-95	218	30	decomposition	decomposition	NOUN
arjefm-95	218	31	method	method	NOUN
arjefm-95	218	32	to	to	PART
arjefm-95	218	33	analyze	analyze	VERB
arjefm-95	218	34	the	the	DET
arjefm-95	218	35	loan	loan	NOUN
arjefm-95	218	36	denial	denial	NOUN
arjefm-95	218	37	rates	rate	NOUN
arjefm-95	218	38	in	in	ADP
arjefm-95	218	39	the	the	DET
arjefm-95	218	40	counties	county	NOUN
arjefm-95	218	41	of	of	ADP
arjefm-95	218	42	hinds	hinds	PROPN
arjefm-95	218	43	,	,	PUNCT
arjefm-95	218	44	madison	madison	PROPN
arjefm-95	218	45	and	and	CCONJ
arjefm-95	218	46	rankin	rankin	PROPN
arjefm-95	218	47	from	from	ADP
arjefm-95	218	48	2007	2007	NUM
arjefm-95	218	49	to	to	ADP
arjefm-95	218	50	2013	2013	NUM
arjefm-95	218	51	.	.	PUNCT
arjefm-95	219	1	oaxaca	oaxaca	PROPN
arjefm-95	219	2	and	and	CCONJ
arjefm-95	219	3	ranson	ranson	PROPN
arjefm-95	219	4	(	(	PUNCT
arjefm-95	219	5	1994	1994	NUM
arjefm-95	219	6	)	)	PUNCT
arjefm-95	219	7	concluded	conclude	VERB
arjefm-95	219	8	that	that	SCONJ
arjefm-95	219	9	the	the	DET
arjefm-95	219	10	pooled	pooled	ADJ
arjefm-95	219	11	method	method	NOUN
arjefm-95	219	12	of	of	ADP
arjefm-95	219	13	decomposition	decomposition	NOUN
arjefm-95	219	14	provides	provide	VERB
arjefm-95	219	15	the	the	DET
arjefm-95	219	16	best	good	ADJ
arjefm-95	219	17	estimate	estimate	NOUN
arjefm-95	219	18	of	of	ADP
arjefm-95	219	19	the	the	DET
arjefm-95	219	20	combined	combine	VERB
arjefm-95	219	21	effects	effect	NOUN
arjefm-95	219	22	of	of	ADP
arjefm-95	219	23	pure	pure	ADJ
arjefm-95	219	24	nepotism	nepotism	NOUN
arjefm-95	219	25	and	and	CCONJ
arjefm-95	219	26	pure	pure	ADJ
arjefm-95	219	27	discrimination	discrimination	NOUN
arjefm-95	219	28	.	.	PUNCT
arjefm-95	220	1	nielson	nielson	PROPN
arjefm-95	220	2	(	(	PUNCT
arjefm-95	220	3	1988	1988	NUM
arjefm-95	220	4	)	)	PUNCT
arjefm-95	220	5	found	find	VERB
arjefm-95	220	6	discrimination	discrimination	NOUN
arjefm-95	220	7	to	to	PART
arjefm-95	220	8	be	be	AUX
arjefm-95	220	9	responsible	responsible	ADJ
arjefm-95	220	10	for	for	ADP
arjefm-95	220	11	26	26	NUM
arjefm-95	220	12	%	%	NOUN
arjefm-95	220	13	of	of	ADP
arjefm-95	220	14	the	the	DET
arjefm-95	220	15	greater	great	ADJ
arjefm-95	220	16	difference	difference	NOUN
arjefm-95	220	17	in	in	ADP
arjefm-95	220	18	formal	formal	ADJ
arjefm-95	220	19	sector	sector	NOUN
arjefm-95	220	20	employment	employment	NOUN
arjefm-95	220	21	in	in	ADP
arjefm-95	220	22	zambia	zambia	PROPN
arjefm-95	220	23	.	.	PUNCT
arjefm-95	221	1	anyamele	anyamele	PROPN
arjefm-95	221	2	(	(	PUNCT
arjefm-95	221	3	2015	2015	NUM
arjefm-95	221	4	)	)	PUNCT
arjefm-95	221	5	found	find	VERB
arjefm-95	221	6	that	that	SCONJ
arjefm-95	221	7	32.17	32.17	NUM
arjefm-95	221	8	%	%	NOUN
arjefm-95	221	9	of	of	ADP
arjefm-95	221	10	the	the	DET
arjefm-95	221	11	differences	difference	NOUN
arjefm-95	221	12	in	in	ADP
arjefm-95	221	13	loan	loan	NOUN
arjefm-95	221	14	delinquency	delinquency	NOUN
arjefm-95	221	15	rates	rate	NOUN
arjefm-95	221	16	are	be	AUX
arjefm-95	221	17	attributable	attributable	ADJ
arjefm-95	221	18	to	to	ADP
arjefm-95	221	19	discrimination	discrimination	NOUN
arjefm-95	221	20	either	either	CCONJ
arjefm-95	221	21	legally	legally	ADV
arjefm-95	221	22	or	or	CCONJ
arjefm-95	221	23	illegally	illegally	ADV
arjefm-95	221	24	.	.	PUNCT
arjefm-95	222	1	blinder	blinder	NOUN
arjefm-95	222	2	(	(	PUNCT
arjefm-95	222	3	1973	1973	NUM
arjefm-95	222	4	)	)	PUNCT
arjefm-95	222	5	concluded	conclude	VERB
arjefm-95	222	6	that	that	SCONJ
arjefm-95	222	7	40	40	NUM
arjefm-95	222	8	%	%	NOUN
arjefm-95	222	9	of	of	ADP
arjefm-95	222	10	age	age	NOUN
arjefm-95	222	11	differences	difference	NOUN
arjefm-95	222	12	between	between	ADP
arjefm-95	222	13	whites	white	NOUN
arjefm-95	222	14	and	and	CCONJ
arjefm-95	222	15	african	african	ADJ
arjefm-95	222	16	americans	americans	PROPN
arjefm-95	222	17	came	come	VERB
arjefm-95	222	18	from	from	ADP
arjefm-95	222	19	discrimination	discrimination	NOUN
arjefm-95	222	20	of	of	ADP
arjefm-95	222	21	different	different	ADJ
arjefm-95	222	22	sorts	sort	NOUN
arjefm-95	222	23	.	.	PUNCT
arjefm-95	223	1	jann	jann	PROPN
arjefm-95	223	2	(	(	PUNCT
arjefm-95	223	3	2008	2008	NUM
arjefm-95	223	4	)	)	PUNCT
arjefm-95	223	5	and	and	CCONJ
arjefm-95	223	6	sinning	sin	VERB
arjefm-95	223	7	et	et	PRON
arjefm-95	223	8	al	al	PROPN
arjefm-95	223	9	(	(	PUNCT
arjefm-95	223	10	2008	2008	NUM
arjefm-95	223	11	)	)	PUNCT
arjefm-95	223	12	showed	show	VERB
arjefm-95	223	13	how	how	SCONJ
arjefm-95	223	14	to	to	PART
arjefm-95	223	15	interpret	interpret	VERB
arjefm-95	223	16	the	the	DET
arjefm-95	223	17	results	result	NOUN
arjefm-95	223	18	of	of	ADP
arjefm-95	223	19	both	both	CCONJ
arjefm-95	223	20	linear	linear	ADJ
arjefm-95	223	21	and	and	CCONJ
arjefm-95	223	22	non	non	ADJ
arjefm-95	223	23	-	-	ADJ
arjefm-95	223	24	oaxaca	oaxaca	ADJ
arjefm-95	223	25	decomposition	decomposition	NOUN
arjefm-95	223	26	regression	regression	NOUN
arjefm-95	223	27	models	model	NOUN
arjefm-95	223	28	.	.	PUNCT
arjefm-95	224	1	fairlie	fairlie	PROPN
arjefm-95	224	2	(	(	PUNCT
arjefm-95	224	3	2005	2005	NUM
arjefm-95	224	4	)	)	PUNCT
arjefm-95	224	5	extended	extend	VERB
arjefm-95	224	6	the	the	DET
arjefm-95	224	7	blinder	blinder	NOUN
arjefm-95	224	8	-	-	PUNCT
arjefm-95	224	9	oaxaca	oaxaca	PROPN
arjefm-95	224	10	decomposition	decomposition	NOUN
arjefm-95	224	11	into	into	ADP
arjefm-95	224	12	a	a	DET
arjefm-95	224	13	non	non	ADJ
arjefm-95	224	14	-	-	ADJ
arjefm-95	224	15	linear	linear	ADJ
arjefm-95	224	16	model	model	NOUN
arjefm-95	224	17	.	.	PUNCT
arjefm-95	225	1	this	this	DET
arjefm-95	225	2	study	study	NOUN
arjefm-95	225	3	employs	employ	VERB
arjefm-95	225	4	the	the	DET
arjefm-95	225	5	blinder	blinder	PROPN
arjefm-95	225	6	-	-	PUNCT
arjefm-95	225	7	oaxaca	oaxaca	PROPN
arjefm-95	225	8	decomposition	decomposition	NOUN
arjefm-95	225	9	to	to	PART
arjefm-95	225	10	measure	measure	VERB
arjefm-95	225	11	the	the	DET
arjefm-95	225	12	difference	difference	NOUN
arjefm-95	225	13	between	between	ADP
arjefm-95	225	14	the	the	DET
arjefm-95	225	15	whites	white	NOUN
arjefm-95	225	16	/	/	SYM
arjefm-95	225	17	african	african	ADJ
arjefm-95	225	18	americans	americans	PROPN
arjefm-95	225	19	andwhites	andwhite	NOUN
arjefm-95	225	20	/	/	SYM
arjefm-95	225	21	hispanics	hispanics	PROPN
arjefm-95	225	22	loan	loan	NOUN
arjefm-95	225	23	denial	denial	NOUN
arjefm-95	225	24	rate	rate	NOUN
arjefm-95	225	25	.	.	PUNCT
arjefm-95	226	1	we	we	PRON
arjefm-95	226	2	express	express	VERB
arjefm-95	226	3	the	the	DET
arjefm-95	226	4	average	average	ADJ
arjefm-95	226	5	value	value	NOUN
arjefm-95	226	6	of	of	ADP
arjefm-95	226	7	the	the	DET
arjefm-95	226	8	dependent	dependent	ADJ
arjefm-95	226	9	variables	variable	NOUN
arjefm-95	226	10	denial	denial	ADJ
arjefm-95	226	11	rate	rate	NOUN
arjefm-95	226	12	,	,	PUNCT
arjefm-95	226	13	y	y	PROPN
arjefm-95	226	14	,	,	PUNCT
arjefm-95	226	15	is	be	AUX
arjefm-95	226	16	expressed	express	VERB
arjefm-95	226	17	such	such	ADJ
arjefm-95	226	18	that	that	SCONJ
arjefm-95	226	19	y	y	PROPN
arjefm-95	226	20	̅w	̅w	VERB
arjefm-95	226	21	y̅b	y̅b	PRON
arjefm-95	227	1	=	=	PUNCT
arjefm-95	228	1	[	[	X
arjefm-95	228	2	(	(	PUNCT
arjefm-95	228	3	x	x	PART
arjefm-95	228	4	̅w	̅w	PROPN
arjefm-95	228	5	x	x	NOUN
arjefm-95	228	6	̅b	̅b	NOUN
arjefm-95	228	7	)	)	PUNCT
arjefm-95	228	8	β̂w	β̂w	PUNCT
arjefm-95	228	9	]	]	PUNCT
arjefm-95	229	1	+	+	CCONJ
arjefm-95	229	2	[	[	X
arjefm-95	229	3	x̅b	x̅b	X
arjefm-95	229	4	(	(	PUNCT
arjefm-95	229	5	β̂w	β̂w	PUNCT
arjefm-95	229	6	β̂b	β̂b	NUM
arjefm-95	229	7	)	)	PUNCT
arjefm-95	229	8	]	]	PUNCT
arjefm-95	229	9	(	(	PUNCT
arjefm-95	229	10	3	3	X
arjefm-95	229	11	)	)	PUNCT
arjefm-95	229	12	where	where	SCONJ
arjefm-95	229	13	x	x	PRON
arjefm-95	229	14	̅j	̅j	PROPN
arjefm-95	229	15	is	be	AUX
arjefm-95	229	16	a	a	DET
arjefm-95	229	17	row	row	NOUN
arjefm-95	229	18	vector	vector	NOUN
arjefm-95	229	19	for	for	ADP
arjefm-95	229	20	of	of	ADP
arjefm-95	229	21	average	average	ADJ
arjefm-95	229	22	values	value	NOUN
arjefm-95	229	23	of	of	ADP
arjefm-95	229	24	the	the	DET
arjefm-95	229	25	independent	independent	ADJ
arjefm-95	229	26	variables	variable	NOUN
arjefm-95	229	27	and	and	CCONJ
arjefm-95	229	28	β̂j	β̂j	PRON
arjefm-95	229	29	is	be	AUX
arjefm-95	229	30	a	a	DET
arjefm-95	229	31	vector	vector	NOUN
arjefm-95	229	32	of	of	ADP
arjefm-95	229	33	coefficient	coefficient	NOUN
arjefm-95	229	34	estimates	estimate	NOUN
arjefm-95	229	35	for	for	ADP
arjefm-95	229	36	race	race	NOUN
arjefm-95	229	37	j.	j.	PROPN
arjefm-95	229	38	the	the	DET
arjefm-95	229	39	decomposition	decomposition	NOUN
arjefm-95	229	40	for	for	ADP
arjefm-95	229	41	a	a	DET
arjefm-95	229	42	non	non	ADJ
arjefm-95	229	43	-	-	ADJ
arjefm-95	229	44	linear	linear	ADJ
arjefm-95	229	45	loan	loan	NOUN
arjefm-95	229	46	denial	denial	NOUN
arjefm-95	229	47	rate	rate	NOUN
arjefm-95	229	48	equation	equation	NOUN
arjefm-95	229	49	,	,	PUNCT
arjefm-95	229	50	y	y	PROPN
arjefm-95	229	51	=	=	SYM
arjefm-95	229	52	f	f	PROPN
arjefm-95	229	53	(	(	PUNCT
arjefm-95	229	54	xβ̂	xβ̂	PROPN
arjefm-95	229	55	)	)	PUNCT
arjefm-95	229	56	,	,	PUNCT
arjefm-95	229	57	may	may	AUX
arjefm-95	229	58	be	be	AUX
arjefm-95	229	59	written	write	VERB
arjefm-95	229	60	as	as	ADP
arjefm-95	229	61	:	:	PUNCT
arjefm-95	229	62	y	y	PROPN
arjefm-95	229	63	̅w	̅w	VERB
arjefm-95	229	64	y̅b	y̅b	PRON
arjefm-95	229	65	=	=	PUNCT
arjefm-95	230	1	[	[	X
arjefm-95	230	2	(	(	PUNCT
arjefm-95	230	3	∑_(i=1)^nw	∑_(i=1)^nw	NUM
arjefm-95	230	4	▒	▒	X
arjefm-95	230	5	〖f	〖f	X
arjefm-95	230	6	(	(	PUNCT
arjefm-95	230	7	x〗iwβ̂w)/nw	x〗iwβ̂w)/nw	PROPN
arjefm-95	230	8	∑_(i=1)^nb	∑_(i=1)^nb	NUM
arjefm-95	230	9	▒	▒	X
arjefm-95	230	10	〖f	〖f	X
arjefm-95	230	11	(	(	PUNCT
arjefm-95	230	12	x〗ibβ̂w)/nb	x〗ibβ̂w)/nb	PROPN
arjefm-95	230	13	]	]	PUNCT
arjefm-95	230	14	+	+	CCONJ
arjefm-95	230	15	[	[	X
arjefm-95	230	16	∑_(i=1)^nb	∑_(i=1)^nb	X
arjefm-95	230	17	▒	▒	X
arjefm-95	230	18	〖f	〖f	X
arjefm-95	230	19	(	(	PUNCT
arjefm-95	230	20	〗	〗	NOUN
arjefm-95	230	21	xiββ̂w)/nb	xiββ̂w)/nb	PUNCT
arjefm-95	230	22	-∑_(i=1)^nb	-∑_(i=1)^nb	NUM
arjefm-95	230	23	▒	▒	NOUN
arjefm-95	230	24	〖f	〖f	X
arjefm-95	230	25	(	(	PUNCT
arjefm-95	230	26	〗	〗	VERB
arjefm-95	230	27	xiββ̂b)/nb	xiββ̂b)/nb	PRON
arjefm-95	230	28	]	]	PUNCT
arjefm-95	231	1	(	(	PUNCT
arjefm-95	232	1	4	4	X
arjefm-95	232	2	)	)	PUNCT
arjefm-95	232	3	where	where	SCONJ
arjefm-95	232	4	nj	nj	PROPN
arjefm-95	232	5	is	be	AUX
arjefm-95	232	6	the	the	DET
arjefm-95	232	7	sample	sample	NOUN
arjefm-95	232	8	size	size	NOUN
arjefm-95	232	9	for	for	ADP
arjefm-95	232	10	race	race	NOUN
arjefm-95	232	11	j.	j.	PROPN
arjefm-95	232	12	both	both	DET
arjefm-95	232	13	equations	equation	NOUN
arjefm-95	232	14	3	3	NUM
arjefm-95	232	15	and	and	CCONJ
arjefm-95	232	16	4	4	NUM
arjefm-95	232	17	show	show	VERB
arjefm-95	232	18	that	that	SCONJ
arjefm-95	232	19	the	the	DET
arjefm-95	232	20	first	first	ADJ
arjefm-95	232	21	term	term	NOUN
arjefm-95	232	22	in	in	ADP
arjefm-95	232	23	brackets	bracket	NOUN
arjefm-95	232	24	represents	represent	VERB
arjefm-95	232	25	the	the	DET
arjefm-95	232	26	part	part	NOUN
arjefm-95	232	27	of	of	ADP
arjefm-95	232	28	the	the	DET
arjefm-95	232	29	racial	racial	ADJ
arjefm-95	232	30	loan	loan	NOUN
arjefm-95	232	31	denial	denial	NOUN
arjefm-95	232	32	difference	difference	NOUN
arjefm-95	232	33	that	that	PRON
arjefm-95	232	34	isdue	isdue	VERB
arjefm-95	232	35	to	to	ADP
arjefm-95	232	36	group	group	NOUN
arjefm-95	232	37	differences	difference	NOUN
arjefm-95	232	38	from	from	ADP
arjefm-95	232	39	the	the	DET
arjefm-95	232	40	independent	independent	ADJ
arjefm-95	232	41	variables	variable	NOUN
arjefm-95	232	42	.	.	PUNCT
arjefm-95	233	1	the	the	DET
arjefm-95	233	2	second	second	ADJ
arjefm-95	233	3	term	term	NOUN
arjefm-95	233	4	is	be	AUX
arjefm-95	233	5	the	the	DET
arjefm-95	233	6	group	group	NOUN
arjefm-95	233	7	differences	difference	NOUN
arjefm-95	233	8	from	from	ADP
arjefm-95	233	9	unobserved	unobserved	ADJ
arjefm-95	233	10	endowments	endowment	NOUN
arjefm-95	233	11	or	or	CCONJ
arjefm-95	233	12	unexplained	unexplained	ADJ
arjefm-95	233	13	difference	difference	NOUN
arjefm-95	233	14	in	in	ADP
arjefm-95	233	15	loan	loan	NOUN
arjefm-95	233	16	denial	denial	NOUN
arjefm-95	233	17	rates	rate	NOUN
arjefm-95	233	18	among	among	ADP
arjefm-95	233	19	the	the	DET
arjefm-95	233	20	different	different	ADJ
arjefm-95	233	21	racial	racial	ADJ
arjefm-95	233	22	groups	group	NOUN
arjefm-95	233	23	.	.	PUNCT
arjefm-95	234	1	this	this	PRON
arjefm-95	234	2	is	be	AUX
arjefm-95	234	3	the	the	DET
arjefm-95	234	4	part	part	NOUN
arjefm-95	234	5	that	that	SCONJ
arjefm-95	234	6	some	some	DET
arjefm-95	234	7	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	234	8	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	234	9	american	american	PROPN
arjefm-95	234	10	research	research	PROPN
arjefm-95	234	11	journal	journal	PROPN
arjefm-95	234	12	of	of	ADP
arjefm-95	234	13	economics	economic	NOUN
arjefm-95	234	14	,	,	PUNCT
arjefm-95	234	15	finance	finance	NOUN
arjefm-95	234	16	and	and	CCONJ
arjefm-95	234	17	management	management	NOUN
arjefm-95	234	18	volume	volume	NOUN
arjefm-95	234	19	11	11	NUM
arjefm-95	234	20	issue	issue	NOUN
arjefm-95	234	21	4	4	NUM
arjefm-95	234	22	,	,	PUNCT
arjefm-95	234	23	october	october	PROPN
arjefm-95	234	24	-	-	PUNCT
arjefm-95	234	25	december	december	PROPN
arjefm-95	234	26	2023	2023	NUM
arjefm-95	234	27	issn	issn	NOUN
arjefm-95	234	28	:	:	PUNCT
arjefm-95	234	29	2836	2836	NUM
arjefm-95	234	30	-	-	SYM
arjefm-95	234	31	9416	9416	NUM
arjefm-95	234	32	impact	impact	NOUN
arjefm-95	234	33	factor	factor	NOUN
arjefm-95	234	34	:	:	PUNCT
arjefm-95	234	35	5.57	5.57	NUM
arjefm-95	234	36	journal	journal	NOUN
arjefm-95	234	37	homepage	homepage	NOUN
arjefm-95	234	38	:	:	PUNCT
arjefm-95	234	39	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	234	40	,	,	PUNCT
arjefm-95	234	41	email	email	NOUN
arjefm-95	234	42	:	:	PUNCT
arjefm-95	234	43	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-95	234	44	official	official	ADJ
arjefm-95	234	45	journal	journal	PROPN
arjefm-95	234	46	of	of	ADP
arjefm-95	234	47	america	america	PROPN
arjefm-95	234	48	serial	serial	PROPN
arjefm-95	234	49	publication	publication	NOUN
arjefm-95	234	50	american	american	PROPN
arjefm-95	234	51	research	research	PROPN
arjefm-95	234	52	journal	journal	PROPN
arjefm-95	234	53	of	of	ADP
arjefm-95	234	54	economics	economic	NOUN
arjefm-95	234	55	,	,	PUNCT
arjefm-95	234	56	finance	finance	NOUN
arjefm-95	234	57	and	and	CCONJ
arjefm-95	234	58	management	management	NOUN
arjefm-95	234	59	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	234	60	,	,	PUNCT
arjefm-95	234	61	email	email	NOUN
arjefm-95	234	62	:	:	PUNCT
arjefm-95	234	63	contact@americaserial.com	contact@americaserial.com	X
arjefm-95	235	1	88	88	NUM
arjefm-95	236	1	|	|	ADV
arjefm-95	236	2	p	p	NOUN
arjefm-95	236	3	a	a	DET
arjefm-95	236	4	g	g	NOUN
arjefm-95	236	5	e	e	NOUN
arjefm-95	236	6	researchers	researcher	NOUN
arjefm-95	236	7	have	have	AUX
arjefm-95	236	8	attributed	attribute	VERB
arjefm-95	236	9	some	some	DET
arjefm-95	236	10	part	part	NOUN
arjefm-95	236	11	of	of	ADP
arjefm-95	236	12	it	it	PRON
arjefm-95	236	13	as	as	ADP
arjefm-95	236	14	discrimination	discrimination	NOUN
arjefm-95	236	15	.	.	PUNCT
arjefm-95	237	1	the	the	DET
arjefm-95	237	2	data	data	NOUN
arjefm-95	237	3	shows	show	VERB
arjefm-95	237	4	that	that	SCONJ
arjefm-95	237	5	the	the	DET
arjefm-95	237	6	group	group	NOUN
arjefm-95	237	7	mean	mean	VERB
arjefm-95	237	8	for	for	ADP
arjefm-95	237	9	non	non	ADJ
arjefm-95	237	10	-	-	ADJ
arjefm-95	237	11	whites	whites	ADJ
arjefm-95	237	12	loan	loan	NOUN
arjefm-95	237	13	denial	denial	NOUN
arjefm-95	237	14	rates	rate	NOUN
arjefm-95	237	15	is	be	AUX
arjefm-95	237	16	0.272	0.272	NUM
arjefm-95	237	17	while	while	SCONJ
arjefm-95	237	18	the	the	DET
arjefm-95	237	19	group	group	NOUN
arjefm-95	237	20	mean	mean	VERB
arjefm-95	237	21	for	for	ADP
arjefm-95	237	22	whites	white	NOUN
arjefm-95	237	23	is	be	AUX
arjefm-95	237	24	0.129	0.129	NUM
arjefm-95	237	25	,	,	PUNCT
arjefm-95	237	26	yielding	yield	VERB
arjefm-95	237	27	a	a	DET
arjefm-95	237	28	loan	loan	NOUN
arjefm-95	237	29	denial	denial	NOUN
arjefm-95	237	30	differences	difference	NOUN
arjefm-95	237	31	of	of	ADP
arjefm-95	237	32	0.143	0.143	NUM
arjefm-95	237	33	.	.	PUNCT
arjefm-95	238	1	further	far	ADV
arjefm-95	238	2	,	,	PUNCT
arjefm-95	238	3	31.18	31.18	NUM
arjefm-95	238	4	%	%	NOUN
arjefm-95	238	5	of	of	ADP
arjefm-95	238	6	the	the	DET
arjefm-95	238	7	differences	difference	NOUN
arjefm-95	238	8	in	in	ADP
arjefm-95	238	9	loan	loan	NOUN
arjefm-95	238	10	denial	denial	NOUN
arjefm-95	238	11	between	between	ADP
arjefm-95	238	12	whites	white	NOUN
arjefm-95	238	13	and	and	CCONJ
arjefm-95	238	14	nonwhitescomes	nonwhitescome	NOUN
arjefm-95	238	15	from	from	ADP
arjefm-95	238	16	differences	difference	NOUN
arjefm-95	238	17	in	in	ADP
arjefm-95	238	18	endowments	endowment	NOUN
arjefm-95	238	19	.	.	PUNCT
arjefm-95	239	1	thus	thus	ADV
arjefm-95	239	2	,	,	PUNCT
arjefm-95	239	3	56.15	56.15	NUM
arjefm-95	239	4	%	%	NOUN
arjefm-95	239	5	is	be	AUX
arjefm-95	239	6	the	the	DET
arjefm-95	239	7	change	change	NOUN
arjefm-95	239	8	in	in	ADP
arjefm-95	239	9	loan	loan	NOUN
arjefm-95	239	10	denial	denial	NOUN
arjefm-95	239	11	rate	rate	NOUN
arjefm-95	239	12	if	if	SCONJ
arjefm-95	239	13	nonwhite	nonwhite	ADJ
arjefm-95	239	14	characteristics	characteristic	NOUN
arjefm-95	239	15	apply	apply	VERB
arjefm-95	239	16	to	to	ADP
arjefm-95	239	17	whites	white	NOUN
arjefm-95	239	18	and12.31	and12.31	NOUN
arjefm-95	239	19	%	%	NOUN
arjefm-95	239	20	is	be	AUX
arjefm-95	239	21	the	the	DET
arjefm-95	239	22	simultaneous	simultaneous	ADJ
arjefm-95	239	23	effect	effect	NOUN
arjefm-95	239	24	of	of	ADP
arjefm-95	239	25	the	the	DET
arjefm-95	239	26	loan	loan	NOUN
arjefm-95	239	27	denial	denial	NOUN
arjefm-95	239	28	differences	difference	NOUN
arjefm-95	239	29	from	from	ADP
arjefm-95	239	30	both	both	DET
arjefm-95	239	31	the	the	DET
arjefm-95	239	32	endowments	endowment	NOUN
arjefm-95	239	33	and	and	CCONJ
arjefm-95	239	34	non	non	ADJ
arjefm-95	239	35	-	-	ADJ
arjefm-95	239	36	white	white	ADJ
arjefm-95	239	37	characteristics	characteristic	NOUN
arjefm-95	239	38	.	.	PUNCT
arjefm-95	240	1	similarly	similarly	ADV
arjefm-95	240	2	,	,	PUNCT
arjefm-95	240	3	for	for	ADP
arjefm-95	240	4	african	african	ADJ
arjefm-95	240	5	americans	americans	PROPN
arjefm-95	240	6	,	,	PUNCT
arjefm-95	240	7	the	the	DET
arjefm-95	240	8	group	group	NOUN
arjefm-95	240	9	mean	mean	VERB
arjefm-95	240	10	for	for	ADP
arjefm-95	240	11	the	the	DET
arjefm-95	240	12	loan	loan	NOUN
arjefm-95	240	13	denial	denial	NOUN
arjefm-95	240	14	for	for	ADP
arjefm-95	240	15	whites	white	NOUN
arjefm-95	240	16	is	be	AUX
arjefm-95	240	17	0.141	0.141	NUM
arjefm-95	240	18	while	while	SCONJ
arjefm-95	240	19	the	the	DET
arjefm-95	240	20	group	group	NOUN
arjefm-95	240	21	mean	mean	VERB
arjefm-95	240	22	for	for	ADP
arjefm-95	240	23	loan	loan	NOUN
arjefm-95	240	24	denial	denial	NOUN
arjefm-95	240	25	of	of	ADP
arjefm-95	240	26	african	african	ADJ
arjefm-95	240	27	americans	americans	PROPN
arjefm-95	240	28	is	be	AUX
arjefm-95	240	29	0.329	0.329	NUM
arjefm-95	240	30	yielding	yield	VERB
arjefm-95	240	31	a	a	DET
arjefm-95	240	32	loan	loan	NOUN
arjefm-95	240	33	denial	denial	NOUN
arjefm-95	240	34	rate	rate	NOUN
arjefm-95	240	35	of	of	ADP
arjefm-95	240	36	0.188	0.188	NUM
arjefm-95	240	37	.	.	PUNCT
arjefm-95	241	1	furthermore	furthermore	ADV
arjefm-95	241	2	,	,	PUNCT
arjefm-95	241	3	28.19	28.19	NUM
arjefm-95	241	4	%	%	NOUN
arjefm-95	241	5	of	of	ADP
arjefm-95	241	6	the	the	DET
arjefm-95	241	7	differences	difference	NOUN
arjefm-95	241	8	in	in	ADP
arjefm-95	241	9	loan	loan	NOUN
arjefm-95	241	10	denial	denial	NOUN
arjefm-95	241	11	comes	come	VERB
arjefm-95	241	12	from	from	ADP
arjefm-95	241	13	endowments	endowment	NOUN
arjefm-95	241	14	difference	difference	NOUN
arjefm-95	241	15	between	between	ADP
arjefm-95	241	16	african	african	ADJ
arjefm-95	241	17	americans	americans	PROPN
arjefm-95	241	18	and	and	CCONJ
arjefm-95	241	19	whites	white	NOUN
arjefm-95	241	20	,	,	PUNCT
arjefm-95	241	21	while	while	SCONJ
arjefm-95	241	22	63.30	63.30	NUM
arjefm-95	241	23	%	%	NOUN
arjefm-95	241	24	is	be	AUX
arjefm-95	241	25	the	the	DET
arjefm-95	241	26	change	change	NOUN
arjefm-95	241	27	in	in	ADP
arjefm-95	241	28	loan	loan	NOUN
arjefm-95	241	29	denial	denial	NOUN
arjefm-95	241	30	rate	rate	NOUN
arjefm-95	241	31	that	that	PRON
arjefm-95	241	32	will	will	AUX
arjefm-95	241	33	occur	occur	VERB
arjefm-95	241	34	if	if	SCONJ
arjefm-95	241	35	white	white	ADJ
arjefm-95	241	36	characteristics	characteristic	NOUN
arjefm-95	241	37	apply	apply	VERB
arjefm-95	241	38	to	to	ADP
arjefm-95	241	39	african	african	ADJ
arjefm-95	241	40	americans	americans	PROPN
arjefm-95	241	41	and8.51	and8.51	NOUN
arjefm-95	241	42	%	%	NOUN
arjefm-95	241	43	is	be	AUX
arjefm-95	241	44	from	from	ADP
arjefm-95	241	45	both	both	DET
arjefm-95	241	46	endowments	endowment	NOUN
arjefm-95	241	47	and	and	CCONJ
arjefm-95	241	48	non	non	ADJ
arjefm-95	241	49	-	-	ADJ
arjefm-95	241	50	african	african	ADJ
arjefm-95	241	51	american	american	ADJ
arjefm-95	241	52	characteristics	characteristic	NOUN
arjefm-95	241	53	.	.	PUNCT
arjefm-95	242	1	for	for	ADP
arjefm-95	242	2	asians	asians	PROPN
arjefm-95	242	3	,	,	PUNCT
arjefm-95	242	4	the	the	DET
arjefm-95	242	5	group	group	NOUN
arjefm-95	242	6	mean	mean	VERB
arjefm-95	242	7	for	for	ADP
arjefm-95	242	8	loan	loan	NOUN
arjefm-95	242	9	denial	denial	NOUN
arjefm-95	242	10	for	for	ADP
arjefm-95	242	11	whites	white	NOUN
arjefm-95	242	12	is	be	AUX
arjefm-95	242	13	0.191	0.191	NUM
arjefm-95	242	14	and	and	CCONJ
arjefm-95	242	15	the	the	DET
arjefm-95	242	16	group	group	NOUN
arjefm-95	242	17	mean	mean	NOUN
arjefm-95	242	18	of	of	ADP
arjefm-95	242	19	loan	loan	NOUN
arjefm-95	242	20	denial	denial	NOUN
arjefm-95	242	21	difference	difference	NOUN
arjefm-95	242	22	of	of	ADP
arjefm-95	242	23	112.8	112.8	NUM
arjefm-95	242	24	%	%	NOUN
arjefm-95	242	25	of	of	ADP
arjefm-95	242	26	the	the	DET
arjefm-95	242	27	differences	difference	NOUN
arjefm-95	242	28	in	in	ADP
arjefm-95	242	29	loan	loan	NOUN
arjefm-95	242	30	denial	denial	NOUN
arjefm-95	242	31	rate	rate	NOUN
arjefm-95	242	32	comes	come	VERB
arjefm-95	242	33	from	from	ADP
arjefm-95	242	34	endowments	endowment	NOUN
arjefm-95	242	35	between	between	ADP
arjefm-95	242	36	asians	asian	NOUN
arjefm-95	242	37	and	and	CCONJ
arjefm-95	242	38	whites	white	NOUN
arjefm-95	242	39	;	;	PUNCT
arjefm-95	242	40	while	while	SCONJ
arjefm-95	242	41	54.91	54.91	NUM
arjefm-95	242	42	%	%	NOUN
arjefm-95	242	43	is	be	AUX
arjefm-95	242	44	the	the	DET
arjefm-95	242	45	change	change	NOUN
arjefm-95	242	46	in	in	ADP
arjefm-95	242	47	loan	loan	NOUN
arjefm-95	242	48	denial	denial	NOUN
arjefm-95	242	49	rates	rate	NOUN
arjefm-95	242	50	that	that	PRON
arjefm-95	242	51	will	will	AUX
arjefm-95	242	52	occur	occur	VERB
arjefm-95	242	53	if	if	SCONJ
arjefm-95	242	54	white	white	ADJ
arjefm-95	242	55	characteristics	characteristic	NOUN
arjefm-95	242	56	apply	apply	VERB
arjefm-95	242	57	to	to	ADP
arjefm-95	242	58	asians	asians	PROPN
arjefm-95	242	59	.	.	PUNCT
arjefm-95	243	1	moreover	moreover	ADV
arjefm-95	243	2	,	,	PUNCT
arjefm-95	243	3	42.08	42.08	NUM
arjefm-95	243	4	%	%	NOUN
arjefm-95	243	5	of	of	ADP
arjefm-95	243	6	the	the	DET
arjefm-95	243	7	loan	loan	NOUN
arjefm-95	243	8	denial	denial	NOUN
arjefm-95	243	9	rate	rate	NOUN
arjefm-95	243	10	is	be	AUX
arjefm-95	243	11	from	from	ADP
arjefm-95	243	12	endowments	endowment	NOUN
arjefm-95	243	13	and	and	CCONJ
arjefm-95	243	14	non	non	ADJ
arjefm-95	243	15	-	-	ADJ
arjefm-95	243	16	asian	asian	ADJ
arjefm-95	243	17	characteristics	characteristic	NOUN
arjefm-95	243	18	.	.	PUNCT
arjefm-95	244	1	for	for	ADP
arjefm-95	244	2	hispanics	hispanic	NOUN
arjefm-95	244	3	,	,	PUNCT
arjefm-95	244	4	the	the	DET
arjefm-95	244	5	group	group	NOUN
arjefm-95	244	6	mean	mean	VERB
arjefm-95	244	7	for	for	ADP
arjefm-95	244	8	loan	loan	NOUN
arjefm-95	244	9	denial	denial	NOUN
arjefm-95	244	10	of	of	ADP
arjefm-95	244	11	whites	white	NOUN
arjefm-95	244	12	is	be	AUX
arjefm-95	244	13	0.1904	0.1904	NUM
arjefm-95	244	14	and	and	CCONJ
arjefm-95	244	15	the	the	DET
arjefm-95	244	16	group	group	NOUN
arjefm-95	244	17	mean	mean	VERB
arjefm-95	244	18	for	for	ADP
arjefm-95	244	19	the	the	DET
arjefm-95	244	20	loan	loan	NOUN
arjefm-95	244	21	denial	denial	NOUN
arjefm-95	244	22	for	for	ADP
arjefm-95	244	23	hispanics	hispanic	NOUN
arjefm-95	244	24	is	be	AUX
arjefm-95	244	25	0.2431	0.2431	NUM
arjefm-95	244	26	resulting	result	VERB
arjefm-95	244	27	in	in	ADP
arjefm-95	244	28	a	a	DET
arjefm-95	244	29	denial	denial	ADJ
arjefm-95	244	30	difference	difference	NOUN
arjefm-95	244	31	of8.02	of8.02	NOUN
arjefm-95	244	32	%	%	NOUN
arjefm-95	244	33	of	of	ADP
arjefm-95	244	34	the	the	DET
arjefm-95	244	35	difference	difference	NOUN
arjefm-95	244	36	is	be	AUX
arjefm-95	244	37	loan	loan	NOUN
arjefm-95	244	38	denial	denial	NOUN
arjefm-95	244	39	come	come	VERB
arjefm-95	244	40	from	from	ADP
arjefm-95	244	41	endowments	endowment	NOUN
arjefm-95	244	42	between	between	ADP
arjefm-95	244	43	hispanics	hispanic	NOUN
arjefm-95	244	44	and	and	CCONJ
arjefm-95	244	45	whiteswhile	whiteswhile	NOUN
arjefm-95	244	46	92.41	92.41	NUM
arjefm-95	244	47	%	%	NOUN
arjefm-95	244	48	is	be	AUX
arjefm-95	244	49	the	the	DET
arjefm-95	244	50	change	change	NOUN
arjefm-95	244	51	in	in	ADP
arjefm-95	244	52	loan	loan	NOUN
arjefm-95	244	53	denial	denial	NOUN
arjefm-95	244	54	rate	rate	NOUN
arjefm-95	244	55	that	that	PRON
arjefm-95	244	56	will	will	AUX
arjefm-95	244	57	occur	occur	VERB
arjefm-95	244	58	if	if	SCONJ
arjefm-95	244	59	white	white	ADJ
arjefm-95	244	60	characteristics	characteristic	NOUN
arjefm-95	244	61	apply	apply	VERB
arjefm-95	244	62	to	to	ADP
arjefm-95	244	63	hispanics	hispanics	PROPN
arjefm-95	244	64	.	.	PUNCT
arjefm-95	245	1	table	table	NOUN
arjefm-95	245	2	3	3	NUM
arjefm-95	245	3	is	be	AUX
arjefm-95	245	4	the	the	DET
arjefm-95	245	5	pooled	pooled	ADJ
arjefm-95	245	6	,	,	PUNCT
arjefm-95	245	7	blinder	blinder	NOUN
arjefm-95	245	8	-	-	PUNCT
arjefm-95	245	9	oaxaca	oaxaca	PROPN
arjefm-95	245	10	decomposition	decomposition	NOUN
arjefm-95	245	11	that	that	PRON
arjefm-95	245	12	show	show	VERB
arjefm-95	245	13	the	the	DET
arjefm-95	245	14	contribution	contribution	NOUN
arjefm-95	245	15	of	of	ADP
arjefm-95	245	16	the	the	DET
arjefm-95	245	17	independent	independent	ADJ
arjefm-95	245	18	variables	variable	NOUN
arjefm-95	245	19	used	use	VERB
arjefm-95	245	20	.	.	PUNCT
arjefm-95	246	1	first	first	ADV
arjefm-95	246	2	,	,	PUNCT
arjefm-95	246	3	for	for	ADP
arjefm-95	246	4	all	all	DET
arjefm-95	246	5	the	the	DET
arjefm-95	246	6	races	race	NOUN
arjefm-95	246	7	,	,	PUNCT
arjefm-95	246	8	income	income	NOUN
arjefm-95	246	9	explains	explain	VERB
arjefm-95	246	10	the	the	DET
arjefm-95	246	11	differences	difference	NOUN
arjefm-95	246	12	in	in	ADP
arjefm-95	246	13	loan	loan	NOUN
arjefm-95	246	14	denial	denial	NOUN
arjefm-95	246	15	rates	rate	NOUN
arjefm-95	246	16	with	with	ADP
arjefm-95	246	17	the	the	DET
arjefm-95	246	18	exception	exception	NOUN
arjefm-95	246	19	of	of	ADP
arjefm-95	246	20	hispanics	hispanic	NOUN
arjefm-95	246	21	,	,	PUNCT
arjefm-95	246	22	high	high	ADJ
arjefm-95	246	23	minority	minority	NOUN
arjefm-95	246	24	population	population	NOUN
arjefm-95	246	25	explains	explain	VERB
arjefm-95	246	26	the	the	DET
arjefm-95	246	27	differences	difference	NOUN
arjefm-95	246	28	in	in	ADP
arjefm-95	246	29	loan	loan	NOUN
arjefm-95	246	30	denial	denial	NOUN
arjefm-95	246	31	rate	rate	NOUN
arjefm-95	246	32	in	in	ADP
arjefm-95	246	33	the	the	DET
arjefm-95	246	34	three	three	NUM
arjefm-95	246	35	counties	county	NOUN
arjefm-95	246	36	between	between	ADP
arjefm-95	246	37	the	the	DET
arjefm-95	246	38	years	year	NOUN
arjefm-95	246	39	2007	2007	NUM
arjefm-95	246	40	to	to	ADP
arjefm-95	246	41	2013	2013	NUM
arjefm-95	246	42	.	.	PUNCT
arjefm-95	247	1	this	this	DET
arjefm-95	247	2	result	result	NOUN
arjefm-95	247	3	is	be	AUX
arjefm-95	247	4	consistent	consistent	ADJ
arjefm-95	247	5	with	with	ADP
arjefm-95	247	6	both	both	CCONJ
arjefm-95	247	7	the	the	DET
arjefm-95	247	8	descriptive	descriptive	ADJ
arjefm-95	247	9	statistics	statistic	NOUN
arjefm-95	247	10	and	and	CCONJ
arjefm-95	247	11	the	the	DET
arjefm-95	247	12	logistic	logistic	ADJ
arjefm-95	247	13	regression	regression	NOUN
arjefm-95	247	14	that	that	PRON
arjefm-95	247	15	shows	show	VERB
arjefm-95	247	16	that	that	SCONJ
arjefm-95	247	17	loans	loan	NOUN
arjefm-95	247	18	from	from	ADP
arjefm-95	247	19	high	high	ADJ
arjefm-95	247	20	minority	minority	NOUN
arjefm-95	247	21	tract	tract	NOUN
arjefm-95	247	22	population	population	NOUN
arjefm-95	247	23	are	be	AUX
arjefm-95	247	24	more	more	ADV
arjefm-95	247	25	likely	likely	ADJ
arjefm-95	247	26	to	to	PART
arjefm-95	247	27	be	be	AUX
arjefm-95	247	28	denied	deny	VERB
arjefm-95	247	29	.	.	PUNCT
arjefm-95	248	1	furthermore	furthermore	ADV
arjefm-95	248	2	,	,	PUNCT
arjefm-95	248	3	it	it	PRON
arjefm-95	248	4	also	also	ADV
arjefm-95	248	5	gives	give	VERB
arjefm-95	248	6	credence	credence	NOUN
arjefm-95	248	7	to	to	ADP
arjefm-95	248	8	the	the	DET
arjefm-95	248	9	findings	finding	NOUN
arjefm-95	248	10	of	of	ADP
arjefm-95	248	11	previous	previous	ADJ
arjefm-95	248	12	studies	study	NOUN
arjefm-95	248	13	that	that	SCONJ
arjefm-95	248	14	redlining	redline	VERB
arjefm-95	248	15	exists	exist	VERB
arjefm-95	248	16	in	in	ADP
arjefm-95	248	17	the	the	DET
arjefm-95	248	18	housing	housing	NOUN
arjefm-95	248	19	market	market	NOUN
arjefm-95	248	20	in	in	ADP
arjefm-95	248	21	mississippi	mississippi	PROPN
arjefm-95	248	22	(	(	PUNCT
arjefm-95	248	23	ezeala	ezeala	NOUN
arjefm-95	248	24	-	-	PUNCT
arjefm-95	248	25	harrison	harrison	NOUN
arjefm-95	248	26	et	et	PROPN
arjefm-95	248	27	al.2008	al.2008	PROPN
arjefm-95	248	28	)	)	PUNCT
arjefm-95	248	29	.	.	PUNCT
arjefm-95	249	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-95	250	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-95	250	2	anyamele	anyamele	PROPN
arjefm-95	250	3	,	,	PUNCT
arjefm-95	250	4	fulgham	fulgham	PROPN
arjefm-95	250	5	&	&	CCONJ
arjefm-95	250	6	claude	claude	PROPN
arjefm-95	250	7	assad	assad	PROPN
arjefm-95	250	8	89	89	NUM
arjefm-95	250	9	american	american	PROPN
arjefm-95	250	10	research	research	PROPN
arjefm-95	250	11	journal	journal	PROPN
arjefm-95	250	12	of	of	ADP
arjefm-95	250	13	economics	economic	NOUN
arjefm-95	250	14	,	,	PUNCT
arjefm-95	250	15	finance	finance	NOUN
arjefm-95	250	16	and	and	CCONJ
arjefm-95	250	17	management	management	NOUN
arjefm-95	250	18	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	250	19	,	,	PUNCT
arjefm-95	250	20	email	email	NOUN
arjefm-95	250	21	:	:	PUNCT
arjefm-95	250	22	contact@americaserial.com	contact@americaserial.com	X
arjefm-95	251	1	89	89	NUM
arjefm-95	252	1	|	|	ADV
arjefm-95	252	2	p	p	X
arjefm-95	252	3	a	a	DET
arjefm-95	252	4	g	g	PROPN
arjefm-95	252	5	e	e	PROPN
arjefm-95	252	6	journal	journal	NOUN
arjefm-95	252	7	of	of	ADP
arjefm-95	252	8	economics	economic	NOUN
arjefm-95	252	9	and	and	CCONJ
arjefm-95	252	10	development	development	NOUN
arjefm-95	252	11	studies	study	NOUN
arjefm-95	252	12	,	,	PUNCT
arjefm-95	252	13	vol	vol	NOUN
arjefm-95	252	14	.	.	PUNCT
arjefm-95	253	1	5(3	5(3	NUM
arjefm-95	253	2	)	)	PUNCT
arjefm-95	253	3	,	,	PUNCT
arjefm-95	253	4	september	september	PROPN
arjefm-95	253	5	2017	2017	NUM
arjefm-95	253	6	table	table	NOUN
arjefm-95	253	7	3	3	NUM
arjefm-95	253	8	:	:	PUNCT
arjefm-95	253	9	blinder	blinder	NOUN
arjefm-95	253	10	-	-	PUNCT
arjefm-95	253	11	oaxaca	oaxaca	PROPN
arjefm-95	253	12	decomposition	decomposition	NOUN
arjefm-95	253	13	of	of	ADP
arjefm-95	253	14	loan	loan	NOUN
arjefm-95	253	15	denial	denial	NOUN
arjefm-95	253	16	in	in	ADP
arjefm-95	253	17	jackson	jackson	PROPN
arjefm-95	253	18	msa	msa	PROPN
arjefm-95	253	19	2007	2007	NUM
arjefm-95	253	20	-	-	SYM
arjefm-95	253	21	2013	2013	NUM
arjefm-95	253	22	white	white	ADJ
arjefm-95	253	23	loan	loan	NOUN
arjefm-95	253	24	denied	deny	VERB
arjefm-95	253	25	african	african	ADJ
arjefm-95	253	26	americ	americ	PROPN
arjefm-95	253	27	an	an	DET
arjefm-95	253	28	loan	loan	NOUN
arjefm-95	253	29	denied	deny	VERB
arjefm-95	253	30	asian	asian	ADJ
arjefm-95	253	31	loan	loan	NOUN
arjefm-95	253	32	denied	deny	VERB
arjefm-95	253	33	hispan	hispan	PROPN
arjefm-95	254	1	i	i	PRON
arjefm-95	254	2	c	c	PROPN
arjefm-95	254	3	loan	loan	NOUN
arjefm-95	254	4	denied	deny	VERB
arjefm-95	254	5	differenti	differenti	PROPN
arjefm-95	254	6	al	al	PROPN
arjefm-95	254	7	prediction	prediction	NOUN
arjefm-95	254	8	_	_	NOUN
arjefm-95	254	9	1	1	NUM
arjefm-95	254	10	0.272	0.272	NUM
arjefm-95	254	11	*	*	PUNCT
arjefm-95	254	12	*	*	PUNCT
arjefm-95	254	13	*	*	PUNCT
arjefm-95	254	14	0.141	0.141	NUM
arjefm-95	254	15	*	*	PUNCT
arjefm-95	254	16	*	*	PUNCT
arjefm-95	254	17	*	*	PUNCT
arjefm-95	254	18	0.191	0.191	NUM
arjefm-95	254	19	*	*	PUNCT
arjefm-95	254	20	*	*	PUNCT
arjefm-95	254	21	*	*	PUNCT
arjefm-95	254	22	0.190	0.190	NUM
arjefm-95	254	23	*	*	PUNCT
arjefm-95	254	24	*	*	PUNCT
arjefm-95	254	25	*	*	PUNCT
arjefm-95	254	26	(	(	PUNCT
arjefm-95	254	27	149.67	149.67	NUM
arjefm-95	254	28	)	)	PUNCT
arjefm-95	254	29	(	(	PUNCT
arjefm-95	254	30	129.19	129.19	NUM
arjefm-95	254	31	)	)	PUNCT
arjefm-95	254	32	(	(	PUNCT
arjefm-95	254	33	180.07	180.07	NUM
arjefm-95	254	34	)	)	PUNCT
arjefm-95	254	35	(	(	PUNCT
arjefm-95	254	36	179.80	179.80	NUM
arjefm-95	254	37	)	)	PUNCT
arjefm-95	254	38	prediction	prediction	NOUN
arjefm-95	254	39	_	_	NOUN
arjefm-95	254	40	2	2	NUM
arjefm-95	254	41	0.129	0.129	NUM
arjefm-95	254	42	*	*	PUNCT
arjefm-95	254	43	*	*	PUNCT
arjefm-95	254	44	*	*	PUNCT
arjefm-95	254	45	0.329	0.329	NUM
arjefm-95	254	46	*	*	PUNCT
arjefm-95	254	47	*	*	PUNCT
arjefm-95	254	48	*	*	PUNCT
arjefm-95	254	49	0.166	0.166	NUM
arjefm-95	254	50	*	*	PUNCT
arjefm-95	254	51	*	*	PUNCT
arjefm-95	254	52	*	*	PUNCT
arjefm-95	254	53	0.243	0.243	NUM
arjefm-95	254	54	*	*	PUNCT
arjefm-95	255	1	*	*	PUNCT
arjefm-95	256	1	*	*	PUNCT
arjefm-95	256	2	(	(	PUNCT
arjefm-95	256	3	108.15	108.15	NUM
arjefm-95	256	4	)	)	PUNCT
arjefm-95	256	5	(	(	PUNCT
arjefm-95	256	6	134.60	134.60	NUM
arjefm-95	256	7	)	)	PUNCT
arjefm-95	256	8	(	(	PUNCT
arjefm-95	256	9	18.06	18.06	NUM
arjefm-95	256	10	)	)	PUNCT
arjefm-95	256	11	(	(	PUNCT
arjefm-95	256	12	20.69	20.69	NUM
arjefm-95	256	13	)	)	PUNCT
arjefm-95	256	14	difference	difference	NOUN
arjefm-95	256	15	0.142	0.142	NUM
arjefm-95	256	16	*	*	PUNCT
arjefm-95	256	17	*	*	PUNCT
arjefm-95	256	18	*	*	PUNCT
arjefm-95	256	19	-0.188	-0.188	PUNCT
arjefm-95	256	20	*	*	PUNCT
arjefm-95	256	21	*	*	PUNCT
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arjefm-95	260	1	*	*	PUNCT
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arjefm-95	260	17	)	)	PUNCT
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arjefm-95	260	41	)	)	PUNCT
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arjefm-95	260	44	)	)	PUNCT
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arjefm-95	260	47	)	)	PUNCT
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arjefm-95	265	15	)	)	PUNCT
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arjefm-95	265	17	-1.58	-1.58	NOUN
arjefm-95	265	18	)	)	PUNCT
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arjefm-95	268	18	,	,	PUNCT
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arjefm-95	269	1	90	90	NUM
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arjefm-95	272	23	)	)	PUNCT
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arjefm-95	280	9	47.94	47.94	NUM
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arjefm-95	280	13	)	)	PUNCT
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arjefm-95	280	16	)	)	PUNCT
arjefm-95	280	17	(	(	PUNCT
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arjefm-95	280	19	)	)	PUNCT
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arjefm-95	282	13	)	)	PUNCT
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arjefm-95	282	15	1.32	1.32	NUM
arjefm-95	282	16	)	)	PUNCT
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arjefm-95	282	18	2.30	2.30	NUM
arjefm-95	282	19	)	)	PUNCT
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arjefm-95	285	9	)	)	PUNCT
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arjefm-95	285	11	4.32	4.32	NUM
arjefm-95	285	12	)	)	PUNCT
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arjefm-95	285	14	0.23	0.23	NUM
arjefm-95	285	15	)	)	PUNCT
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arjefm-95	285	19	*	*	NOUN
arjefm-95	285	20	*	*	PUNCT
arjefm-95	285	21	*	*	PUNCT
arjefm-95	285	22	-0.00267	-0.00267	PROPN
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arjefm-95	285	24	0.0054	0.0054	NUM
arjefm-95	285	25	6	6	NUM
arjefm-95	285	26	(	(	PUNCT
arjefm-95	285	27	7.08	7.08	NUM
arjefm-95	285	28	)	)	PUNCT
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arjefm-95	285	31	)	)	PUNCT
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arjefm-95	285	34	)	)	PUNCT
arjefm-95	285	35	(	(	PUNCT
arjefm-95	285	36	-0.40	-0.40	X
arjefm-95	285	37	)	)	PUNCT
arjefm-95	285	38	income	income	NOUN
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arjefm-95	286	21	)	)	PUNCT
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arjefm-95	287	18	,	,	PUNCT
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arjefm-95	287	20	:	:	PUNCT
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arjefm-95	288	1	91	91	NUM
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arjefm-95	289	17	)	)	PUNCT
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arjefm-95	294	10	)	)	PUNCT
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arjefm-95	294	16	)	)	PUNCT
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arjefm-95	294	40	)	)	PUNCT
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arjefm-95	298	35	*	*	PUNCT
arjefm-95	298	36	*	*	PUNCT
arjefm-95	298	37	p	p	X
arjefm-95	298	38	<	<	X
arjefm-95	298	39	0.001	0.001	NUM
arjefm-95	298	40	conclusion	conclusion	NOUN
arjefm-95	298	41	income	income	NOUN
arjefm-95	298	42	has	have	VERB
arjefm-95	298	43	a	a	DET
arjefm-95	298	44	significant	significant	ADJ
arjefm-95	298	45	impact	impact	NOUN
arjefm-95	298	46	in	in	ADP
arjefm-95	298	47	denial	denial	ADJ
arjefm-95	298	48	rate	rate	NOUN
arjefm-95	298	49	in	in	ADP
arjefm-95	298	50	the	the	DET
arjefm-95	298	51	three	three	NUM
arjefm-95	298	52	counties	county	NOUN
arjefm-95	298	53	.	.	PUNCT
arjefm-95	299	1	this	this	DET
arjefm-95	299	2	finding	finding	NOUN
arjefm-95	299	3	suggest	suggest	VERB
arjefm-95	299	4	that	that	SCONJ
arjefm-95	299	5	this	this	PRON
arjefm-95	299	6	increases	increase	VERB
arjefm-95	299	7	the	the	DET
arjefm-95	299	8	likelihood	likelihood	NOUN
arjefm-95	299	9	of	of	ADP
arjefm-95	299	10	one	one	NUM
arjefm-95	299	11	obtaining	obtain	VERB
arjefm-95	299	12	a	a	DET
arjefm-95	299	13	loan	loan	NOUN
arjefm-95	299	14	approval	approval	NOUN
arjefm-95	299	15	in	in	ADP
arjefm-95	299	16	the	the	DET
arjefm-95	299	17	state	state	NOUN
arjefm-95	299	18	of	of	ADP
arjefm-95	299	19	mississippi	mississippi	PROPN
arjefm-95	299	20	.	.	PUNCT
arjefm-95	300	1	anyamele	anyamele	PROPN
arjefm-95	300	2	(	(	PUNCT
arjefm-95	300	3	2015	2015	NUM
arjefm-95	300	4	)	)	PUNCT
arjefm-95	300	5	found	find	VERB
arjefm-95	300	6	income	income	NOUN
arjefm-95	300	7	to	to	PART
arjefm-95	300	8	be	be	AUX
arjefm-95	300	9	significant	significant	ADJ
arjefm-95	300	10	in	in	ADP
arjefm-95	300	11	explaining	explain	VERB
arjefm-95	300	12	loan	loan	NOUN
arjefm-95	300	13	delinquency	delinquency	NOUN
arjefm-95	300	14	rate	rate	NOUN
arjefm-95	300	15	.	.	PUNCT
arjefm-95	301	1	previous	previous	ADJ
arjefm-95	301	2	studies	study	NOUN
arjefm-95	301	3	have	have	AUX
arjefm-95	301	4	found	find	VERB
arjefm-95	301	5	that	that	SCONJ
arjefm-95	301	6	african	african	ADJ
arjefm-95	301	7	americans	americans	PROPN
arjefm-95	301	8	and	and	CCONJ
arjefm-95	301	9	hispanics	hispanic	NOUN
arjefm-95	301	10	tend	tend	VERB
arjefm-95	301	11	to	to	PART
arjefm-95	301	12	have	have	VERB
arjefm-95	301	13	higher	high	ADJ
arjefm-95	301	14	credit	credit	NOUN
arjefm-95	301	15	constraints	constraint	NOUN
arjefm-95	301	16	than	than	ADP
arjefm-95	301	17	whites	white	NOUN
arjefm-95	301	18	(	(	PUNCT
arjefm-95	301	19	crook	crook	NOUN
arjefm-95	301	20	1996	1996	NUM
arjefm-95	301	21	,	,	PUNCT
arjefm-95	301	22	2001	2001	NUM
arjefm-95	301	23	;	;	PUNCT
arjefm-95	301	24	and	and	CCONJ
arjefm-95	301	25	weller	weller	NOUN
arjefm-95	301	26	2009	2009	NUM
arjefm-95	301	27	)	)	PUNCT
arjefm-95	301	28	.	.	PUNCT
arjefm-95	302	1	rugh	rugh	NOUN
arjefm-95	302	2	and	and	CCONJ
arjefm-95	302	3	massey	massey	PROPN
arjefm-95	302	4	(	(	PUNCT
arjefm-95	302	5	2010	2010	NUM
arjefm-95	302	6	)	)	PUNCT
arjefm-95	302	7	concluded	conclude	VERB
arjefm-95	302	8	that	that	SCONJ
arjefm-95	302	9	housing	housing	NOUN
arjefm-95	302	10	segregation	segregation	NOUN
arjefm-95	302	11	was	be	AUX
arjefm-95	302	12	an	an	DET
arjefm-95	302	13	important	important	ADJ
arjefm-95	302	14	predictor	predictor	NOUN
arjefm-95	302	15	of	of	ADP
arjefm-95	302	16	the	the	DET
arjefm-95	302	17	number	number	NOUN
arjefm-95	302	18	and	and	CCONJ
arjefm-95	302	19	rate	rate	NOUN
arjefm-95	302	20	of	of	ADP
arjefm-95	302	21	foreclosures	foreclosure	NOUN
arjefm-95	302	22	across	across	ADP
arjefm-95	302	23	us	us	PROPN
arjefm-95	302	24	metropolitan	metropolitan	ADJ
arjefm-95	302	25	areas	area	NOUN
arjefm-95	302	26	.	.	PUNCT
arjefm-95	303	1	their	their	PRON
arjefm-95	303	2	study	study	NOUN
arjefm-95	303	3	found	find	VERB
arjefm-95	303	4	that	that	SCONJ
arjefm-95	303	5	hispanics	hispanic	NOUN
arjefm-95	303	6	and	and	CCONJ
arjefm-95	303	7	african	african	ADJ
arjefm-95	303	8	americans	americans	PROPN
arjefm-95	303	9	bore	bear	VERB
arjefm-95	303	10	the	the	DET
arjefm-95	303	11	brunt	brunt	NOUN
arjefm-95	303	12	of	of	ADP
arjefm-95	303	13	the	the	DET
arjefm-95	303	14	recent	recent	ADJ
arjefm-95	303	15	financial	financial	ADJ
arjefm-95	303	16	crisis	crisis	NOUN
arjefm-95	303	17	.	.	PUNCT
arjefm-95	304	1	philips	philips	PROPN
arjefm-95	304	2	(	(	PUNCT
arjefm-95	304	3	2010	2010	NUM
arjefm-95	304	4	)	)	PUNCT
arjefm-95	304	5	concluded	conclude	VERB
arjefm-95	304	6	that	that	SCONJ
arjefm-95	304	7	the	the	DET
arjefm-95	304	8	housing	housing	NOUN
arjefm-95	304	9	and	and	CCONJ
arjefm-95	304	10	the	the	DET
arjefm-95	304	11	related	relate	VERB
arjefm-95	304	12	economic	economic	ADJ
arjefm-95	304	13	crisis	crisis	NOUN
arjefm-95	304	14	that	that	PRON
arjefm-95	304	15	disproportionally	disproportionally	ADV
arjefm-95	304	16	affected	affect	VERB
arjefm-95	304	17	african	african	ADJ
arjefm-95	304	18	american	american	ADJ
arjefm-95	304	19	communities	community	NOUN
arjefm-95	304	20	are	be	AUX
arjefm-95	304	21	inextricably	inextricably	ADV
arjefm-95	304	22	linked	link	VERB
arjefm-95	304	23	to	to	ADP
arjefm-95	304	24	the	the	DET
arjefm-95	304	25	persuasive	persuasive	ADJ
arjefm-95	304	26	forces	force	NOUN
arjefm-95	304	27	of	of	ADP
arjefm-95	304	28	inequality	inequality	NOUN
arjefm-95	304	29	and	and	CCONJ
arjefm-95	304	30	uneven	uneven	ADJ
arjefm-95	304	31	investment	investment	NOUN
arjefm-95	304	32	in	in	ADP
arjefm-95	304	33	african	african	ADJ
arjefm-95	304	34	american	american	PROPN
arjefm-95	304	35	communities.as	communities.as	PROPN
arjefm-95	304	36	shown	show	VERB
arjefm-95	304	37	from	from	ADP
arjefm-95	304	38	the	the	DET
arjefm-95	304	39	results	result	NOUN
arjefm-95	304	40	of	of	ADP
arjefm-95	304	41	decomposition	decomposition	NOUN
arjefm-95	304	42	,	,	PUNCT
arjefm-95	304	43	high	high	ADJ
arjefm-95	304	44	minority	minority	NOUN
arjefm-95	304	45	population	population	NOUN
arjefm-95	304	46	tract	tract	NOUN
arjefm-95	304	47	contributes	contribute	VERB
arjefm-95	304	48	more	more	ADJ
arjefm-95	304	49	to	to	PART
arjefm-95	304	50	loan	loan	VERB
arjefm-95	304	51	denial	denial	NOUN
arjefm-95	304	52	rates	rate	NOUN
arjefm-95	304	53	in	in	ADP
arjefm-95	304	54	the	the	DET
arjefm-95	304	55	three	three	NUM
arjefm-95	304	56	counties	county	NOUN
arjefm-95	304	57	studied	study	VERB
arjefm-95	304	58	.	.	PUNCT
arjefm-95	305	1	this	this	DET
arjefm-95	305	2	result	result	NOUN
arjefm-95	305	3	points	point	VERB
arjefm-95	305	4	to	to	ADP
arjefm-95	305	5	the	the	DET
arjefm-95	305	6	existence	existence	NOUN
arjefm-95	305	7	of	of	ADP
arjefm-95	305	8	redlining	redline	VERB
arjefm-95	305	9	in	in	ADP
arjefm-95	305	10	loan	loan	NOUN
arjefm-95	305	11	denial	denial	NOUN
arjefm-95	305	12	in	in	ADP
arjefm-95	305	13	the	the	DET
arjefm-95	305	14	counties	county	NOUN
arjefm-95	305	15	and	and	CCONJ
arjefm-95	305	16	which	which	PRON
arjefm-95	305	17	is	be	AUX
arjefm-95	305	18	similar	similar	ADJ
arjefm-95	305	19	to	to	ADP
arjefm-95	305	20	previous	previous	ADJ
arjefm-95	305	21	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-95	305	22	anyamele	anyamele	PROPN
arjefm-95	305	23	,	,	PUNCT
arjefm-95	305	24	fulgham	fulgham	PROPN
arjefm-95	305	25	&	&	CCONJ
arjefm-95	305	26	claude	claude	PROPN
arjefm-95	305	27	assad	assad	PROPN
arjefm-95	305	28	92	92	NUM
arjefm-95	305	29	american	american	PROPN
arjefm-95	305	30	research	research	PROPN
arjefm-95	305	31	journal	journal	PROPN
arjefm-95	305	32	of	of	ADP
arjefm-95	305	33	economics	economic	NOUN
arjefm-95	305	34	,	,	PUNCT
arjefm-95	305	35	finance	finance	NOUN
arjefm-95	305	36	and	and	CCONJ
arjefm-95	305	37	management	management	NOUN
arjefm-95	305	38	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	305	39	,	,	PUNCT
arjefm-95	305	40	email	email	NOUN
arjefm-95	305	41	:	:	PUNCT
arjefm-95	306	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-95	306	2	92	92	NUM
arjefm-95	307	1	|	|	ADV
arjefm-95	307	2	p	p	NOUN
arjefm-95	307	3	a	a	DET
arjefm-95	307	4	g	g	NOUN
arjefm-95	307	5	e	e	NOUN
arjefm-95	307	6	findings	finding	NOUN
arjefm-95	307	7	on	on	ADP
arjefm-95	307	8	this	this	DET
arjefm-95	307	9	subject	subject	NOUN
arjefm-95	307	10	(	(	PUNCT
arjefm-95	307	11	rugh	rugh	NOUN
arjefm-95	307	12	and	and	CCONJ
arjefm-95	307	13	massey	massey	NOUN
arjefm-95	307	14	,	,	PUNCT
arjefm-95	307	15	2010	2010	NUM
arjefm-95	307	16	)	)	PUNCT
arjefm-95	307	17	.	.	PUNCT
arjefm-95	308	1	moreover	moreover	ADV
arjefm-95	308	2	,	,	PUNCT
arjefm-95	308	3	this	this	DET
arjefm-95	308	4	paper	paper	NOUN
arjefm-95	308	5	has	have	AUX
arjefm-95	308	6	investigated	investigate	VERB
arjefm-95	308	7	the	the	DET
arjefm-95	308	8	loan	loan	NOUN
arjefm-95	308	9	denial	denial	NOUN
arjefm-95	308	10	rates	rate	NOUN
arjefm-95	308	11	in	in	ADP
arjefm-95	308	12	three	three	NUM
arjefm-95	308	13	counties	county	NOUN
arjefm-95	308	14	of	of	ADP
arjefm-95	308	15	mississippi	mississippi	PROPN
arjefm-95	308	16	.	.	PUNCT
arjefm-95	309	1	this	this	DET
arjefm-95	309	2	study	study	NOUN
arjefm-95	309	3	used	use	VERB
arjefm-95	309	4	hmda	hmda	ADJ
arjefm-95	309	5	data	datum	NOUN
arjefm-95	309	6	from	from	ADP
arjefm-95	309	7	2007	2007	NUM
arjefm-95	309	8	to	to	ADP
arjefm-95	309	9	2013	2013	NUM
arjefm-95	309	10	.	.	PUNCT
arjefm-95	310	1	the	the	DET
arjefm-95	310	2	study	study	NOUN
arjefm-95	310	3	found	find	VERB
arjefm-95	310	4	that	that	SCONJ
arjefm-95	310	5	african	african	ADJ
arjefm-95	310	6	americans	americans	PROPN
arjefm-95	310	7	and	and	CCONJ
arjefm-95	310	8	hispanics	hispanic	NOUN
arjefm-95	310	9	are	be	AUX
arjefm-95	310	10	more	more	ADV
arjefm-95	310	11	likely	likely	ADJ
arjefm-95	310	12	to	to	PART
arjefm-95	310	13	be	be	AUX
arjefm-95	310	14	denied	deny	VERB
arjefm-95	310	15	loans	loan	NOUN
arjefm-95	310	16	compared	compare	VERB
arjefm-95	310	17	to	to	ADP
arjefm-95	310	18	asians	asians	PROPN
arjefm-95	310	19	,	,	PUNCT
arjefm-95	310	20	while	while	SCONJ
arjefm-95	310	21	whites	white	NOUN
arjefm-95	310	22	are	be	AUX
arjefm-95	310	23	less	less	ADV
arjefm-95	310	24	likely	likely	ADJ
arjefm-95	310	25	to	to	PART
arjefm-95	310	26	be	be	AUX
arjefm-95	310	27	denied	deny	VERB
arjefm-95	310	28	loans	loan	NOUN
arjefm-95	310	29	compared	compare	VERB
arjefm-95	310	30	to	to	ADP
arjefm-95	310	31	asians	asians	PROPN
arjefm-95	310	32	.	.	PUNCT
arjefm-95	311	1	also	also	ADV
arjefm-95	311	2	important	important	ADJ
arjefm-95	311	3	,	,	PUNCT
arjefm-95	311	4	loans	loan	NOUN
arjefm-95	311	5	from	from	ADP
arjefm-95	311	6	high	high	ADJ
arjefm-95	311	7	minority	minority	NOUN
arjefm-95	311	8	population	population	NOUN
arjefm-95	311	9	tracts	tract	NOUN
arjefm-95	311	10	are	be	AUX
arjefm-95	311	11	more	more	ADV
arjefm-95	311	12	likely	likely	ADJ
arjefm-95	311	13	to	to	PART
arjefm-95	311	14	be	be	AUX
arjefm-95	311	15	denied	deny	VERB
arjefm-95	311	16	compared	compare	VERB
arjefm-95	311	17	to	to	ADP
arjefm-95	311	18	loans	loan	NOUN
arjefm-95	311	19	from	from	ADP
arjefm-95	311	20	low	low	ADJ
arjefm-95	311	21	minority	minority	NOUN
arjefm-95	311	22	population	population	NOUN
arjefm-95	311	23	tracts	tract	NOUN
arjefm-95	311	24	.	.	PUNCT
arjefm-95	312	1	this	this	DET
arjefm-95	312	2	result	result	NOUN
arjefm-95	312	3	is	be	AUX
arjefm-95	312	4	consistent	consistent	ADJ
arjefm-95	312	5	in	in	ADP
arjefm-95	312	6	hinds	hind	NOUN
arjefm-95	312	7	,	,	PUNCT
arjefm-95	312	8	rankin	rankin	NOUN
arjefm-95	312	9	,	,	PUNCT
arjefm-95	312	10	and	and	CCONJ
arjefm-95	312	11	madison	madison	PROPN
arjefm-95	312	12	counties	county	NOUN
arjefm-95	312	13	.	.	PUNCT
arjefm-95	313	1	this	this	DET
arjefm-95	313	2	finding	finding	NOUN
arjefm-95	313	3	is	be	AUX
arjefm-95	313	4	a	a	DET
arjefm-95	313	5	strong	strong	ADJ
arjefm-95	313	6	indication	indication	NOUN
arjefm-95	313	7	that	that	SCONJ
arjefm-95	313	8	redlining	redline	VERB
arjefm-95	313	9	exists	exist	VERB
arjefm-95	313	10	in	in	ADP
arjefm-95	313	11	all	all	DET
arjefm-95	313	12	three	three	NUM
arjefm-95	313	13	counties	county	NOUN
arjefm-95	313	14	.	.	PUNCT
arjefm-95	314	1	this	this	DET
arjefm-95	314	2	finding	finding	NOUN
arjefm-95	314	3	may	may	AUX
arjefm-95	314	4	lead	lead	VERB
arjefm-95	314	5	to	to	ADP
arjefm-95	314	6	policymakers	policymaker	NOUN
arjefm-95	314	7	and	and	CCONJ
arjefm-95	314	8	the	the	DET
arjefm-95	314	9	regulatory	regulatory	ADJ
arjefm-95	314	10	agencies	agency	NOUN
arjefm-95	314	11	to	to	PART
arjefm-95	314	12	quickly	quickly	ADV
arjefm-95	314	13	act	act	VERB
arjefm-95	314	14	to	to	PART
arjefm-95	314	15	redress	redress	VERB
arjefm-95	314	16	the	the	DET
arjefm-95	314	17	situation	situation	NOUN
arjefm-95	314	18	.	.	PUNCT
arjefm-95	315	1	as	as	SCONJ
arjefm-95	315	2	noted	note	VERB
arjefm-95	315	3	earlier	early	ADV
arjefm-95	315	4	,	,	PUNCT
arjefm-95	315	5	loan	loan	NOUN
arjefm-95	315	6	denial	denial	NOUN
arjefm-95	315	7	due	due	ADP
arjefm-95	315	8	to	to	ADP
arjefm-95	315	9	discrimination	discrimination	NOUN
arjefm-95	315	10	reduces	reduce	VERB
arjefm-95	315	11	the	the	DET
arjefm-95	315	12	ability	ability	NOUN
arjefm-95	315	13	of	of	ADP
arjefm-95	315	14	african	african	ADJ
arjefm-95	315	15	americans	americans	PROPN
arjefm-95	315	16	and	and	CCONJ
arjefm-95	315	17	hispanics	hispanic	NOUN
arjefm-95	315	18	to	to	PART
arjefm-95	315	19	acquire	acquire	VERB
arjefm-95	315	20	wealth	wealth	NOUN
arjefm-95	315	21	through	through	ADP
arjefm-95	315	22	the	the	DET
arjefm-95	315	23	housing	housing	NOUN
arjefm-95	315	24	stock	stock	NOUN
arjefm-95	315	25	which	which	PRON
arjefm-95	315	26	has	have	AUX
arjefm-95	315	27	been	be	AUX
arjefm-95	315	28	a	a	DET
arjefm-95	315	29	historical	historical	ADJ
arjefm-95	315	30	investment	investment	NOUN
arjefm-95	315	31	for	for	ADP
arjefm-95	315	32	many	many	ADJ
arjefm-95	315	33	in	in	ADP
arjefm-95	315	34	america	america	PROPN
arjefm-95	315	35	,	,	PUNCT
arjefm-95	315	36	especially	especially	ADV
arjefm-95	315	37	minorities	minority	NOUN
arjefm-95	315	38	.	.	PUNCT
arjefm-95	316	1	references	reference	NOUN
arjefm-95	316	2	anyamele	anyamele	PROPN
arjefm-95	316	3	,	,	PUNCT
arjefm-95	316	4	okechukwu	okechukwu	NOUN
arjefm-95	316	5	.	.	PUNCT
arjefm-95	317	1	2015	2015	NUM
arjefm-95	317	2	.	.	PUNCT
arjefm-95	318	1	racial	racial	ADJ
arjefm-95	318	2	/	/	SYM
arjefm-95	318	3	ethnic	ethnic	ADJ
arjefm-95	318	4	differences	difference	NOUN
arjefm-95	318	5	in	in	ADP
arjefm-95	318	6	household	household	NOUN
arjefm-95	318	7	loan	loan	NOUN
arjefm-95	318	8	delinquency	delinquency	NOUN
arjefm-95	318	9	rates	rate	NOUN
arjefm-95	318	10	.	.	PUNCT
arjefm-95	319	1	review	review	NOUN
arjefm-95	319	2	of	of	ADP
arjefm-95	319	3	black	black	ADJ
arjefm-95	319	4	political	political	ADJ
arjefm-95	319	5	economy	economy	NOUN
arjefm-95	319	6	42	42	NUM
arjefm-95	319	7	(	(	PUNCT
arjefm-95	319	8	4	4	NUM
arjefm-95	319	9	):	):	PUNCT
arjefm-95	319	10	415	415	NUM
arjefm-95	319	11	-	-	SYM
arjefm-95	319	12	442	442	NUM
arjefm-95	319	13	.	.	PUNCT
arjefm-95	320	1	carr	carr	PROPN
arjefm-95	320	2	,	,	PUNCT
arjefm-95	320	3	james	james	PROPN
arjefm-95	320	4	h.	h.	PROPN
arjefm-95	320	5	&	&	CCONJ
arjefm-95	320	6	issac	issac	PROPN
arjefm-95	320	7	f.	f.	PROPN
arjefm-95	320	8	megbolugbe	megbolugbe	PROPN
arjefm-95	320	9	.	.	PUNCT
arjefm-95	320	10	1993	1993	NUM
arjefm-95	320	11	.	.	PUNCT
arjefm-95	321	1	"	"	PUNCT
arjefm-95	321	2	the	the	DET
arjefm-95	321	3	federal	federal	PROPN
arjefm-95	321	4	reserve	reserve	PROPN
arjefm-95	321	5	bank	bank	PROPN
arjefm-95	321	6	of	of	ADP
arjefm-95	321	7	boston	boston	PROPN
arjefm-95	321	8	study	study	NOUN
arjefm-95	321	9	on	on	ADP
arjefm-95	321	10	mortgage	mortgage	NOUN
arjefm-95	321	11	lending	lending	NOUN
arjefm-95	321	12	revisited	revisit	VERB
arjefm-95	321	13	.	.	PUNCT
arjefm-95	321	14	"	"	PUNCT
arjefm-95	322	1	fannie	fannie	PROPN
arjefm-95	322	2	mae	mae	PROPN
arjefm-95	322	3	office	office	PROPN
arjefm-95	322	4	of	of	ADP
arjefm-95	322	5	housing	housing	NOUN
arjefm-95	322	6	policy	policy	NOUN
arjefm-95	322	7	research	research	NOUN
arjefm-95	322	8	.	.	PUNCT
arjefm-95	323	1	crook	crook	NOUN
arjefm-95	323	2	j.	j.	PROPN
arjefm-95	323	3	1996	1996	NUM
arjefm-95	323	4	.	.	PUNCT
arjefm-95	324	1	credit	credit	NOUN
arjefm-95	324	2	constraints	constraint	NOUN
arjefm-95	324	3	and	and	CCONJ
arjefm-95	324	4	us	we	PRON
arjefm-95	324	5	households.applied	households.applie	VERB
arjefm-95	324	6	financial	financial	ADJ
arjefm-95	324	7	economics6:477	economics6:477	NOUN
arjefm-95	324	8	-	-	PUNCT
arjefm-95	324	9	85	85	NUM
arjefm-95	324	10	.	.	PUNCT
arjefm-95	325	1	crook	crook	NOUN
arjefm-95	325	2	j.	j.	PROPN
arjefm-95	325	3	2001	2001	NUM
arjefm-95	325	4	.	.	PUNCT
arjefm-95	326	1	the	the	DET
arjefm-95	326	2	demand	demand	NOUN
arjefm-95	326	3	for	for	ADP
arjefm-95	326	4	household	household	NOUN
arjefm-95	326	5	debt	debt	NOUN
arjefm-95	326	6	in	in	ADP
arjefm-95	326	7	the	the	DET
arjefm-95	326	8	usa	usa	NOUN
arjefm-95	326	9	:	:	PUNCT
arjefm-95	326	10	evidence	evidence	NOUN
arjefm-95	326	11	from	from	ADP
arjefm-95	326	12	the	the	DET
arjefm-95	326	13	1995	1995	NUM
arjefm-95	326	14	survey	survey	NOUN
arjefm-95	326	15	of	of	ADP
arjefm-95	326	16	consumer	consumer	NOUN
arjefm-95	326	17	finances	finance	NOUN
arjefm-95	326	18	.	.	PUNCT
arjefm-95	327	1	applied	apply	VERB
arjefm-95	327	2	financial	financial	ADJ
arjefm-95	327	3	economics	economic	NOUN
arjefm-95	327	4	.	.	PUNCT
arjefm-95	328	1	11:83–91	11:83–91	NUM
arjefm-95	328	2	.	.	PUNCT
arjefm-95	329	1	ezeala	ezeala	NOUN
arjefm-95	329	2	-	-	PUNCT
arjefm-95	329	3	harrison	harrison	NOUN
arjefm-95	329	4	,	,	PUNCT
arjefm-95	329	5	fidel	fidel	PROPN
arjefm-95	329	6	.	.	PUNCT
arjefm-95	329	7	2008	2008	NUM
arjefm-95	329	8	.	.	PUNCT
arjefm-95	330	1	determinants	determinant	NOUN
arjefm-95	330	2	of	of	ADP
arjefm-95	330	3	housing	housing	NOUN
arjefm-95	330	4	loan	loan	NOUN
arjefm-95	330	5	patterns	pattern	NOUN
arjefm-95	330	6	towards	towards	ADP
arjefm-95	330	7	minority	minority	NOUN
arjefm-95	330	8	borrowers	borrower	NOUN
arjefm-95	330	9	in	in	ADP
arjefm-95	330	10	mississippi	mississippi	PROPN
arjefm-95	330	11	.	.	PUNCT
arjefm-95	331	1	journal	journal	PROPN
arjefm-95	331	2	of	of	ADP
arjefm-95	331	3	economic	economic	ADJ
arjefm-95	331	4	issues	issue	NOUN
arjefm-95	331	5	35	35	NUM
arjefm-95	331	6	(	(	PUNCT
arjefm-95	331	7	1	1	NUM
arjefm-95	331	8	):	):	PUNCT
arjefm-95	331	9	43	43	NUM
arjefm-95	331	10	-	-	SYM
arjefm-95	331	11	54	54	NUM
arjefm-95	331	12	.	.	PUNCT
arjefm-95	332	1	ferguson	ferguson	PROPN
arjefm-95	332	2	,	,	PUNCT
arjefm-95	332	3	michael	michael	PROPN
arjefm-95	332	4	f.	f.	PROPN
arjefm-95	332	5	&	&	CCONJ
arjefm-95	332	6	peters	peters	PROPN
arjefm-95	332	7	,	,	PUNCT
arjefm-95	332	8	stephen	stephen	PROPN
arjefm-95	332	9	r.	r.	PROPN
arjefm-95	332	10	1995	1995	NUM
arjefm-95	332	11	.	.	PUNCT
arjefm-95	333	1	what	what	PRON
arjefm-95	333	2	constitutes	constitute	VERB
arjefm-95	333	3	evidence	evidence	NOUN
arjefm-95	333	4	of	of	ADP
arjefm-95	333	5	discrimination	discrimination	NOUN
arjefm-95	333	6	in	in	ADP
arjefm-95	333	7	lending	lending	NOUN
arjefm-95	333	8	?	?	PUNCT
arjefm-95	334	1	the	the	DET
arjefm-95	334	2	journal	journal	NOUN
arjefm-95	334	3	of	of	ADP
arjefm-95	334	4	finance	finance	NOUN
arjefm-95	334	5	50	50	NUM
arjefm-95	334	6	(	(	PUNCT
arjefm-95	334	7	2	2	NUM
arjefm-95	334	8	):	):	PUNCT
arjefm-95	334	9	739	739	NUM
arjefm-95	334	10	-	-	SYM
arjefm-95	334	11	748	748	NUM
arjefm-95	334	12	.	.	PUNCT
arjefm-95	334	13	greer	greer	PROPN
arjefm-95	334	14	,	,	PUNCT
arjefm-95	334	15	james	james	PROPN
arjefm-95	334	16	.	.	PROPN
arjefm-95	334	17	2012	2012	NUM
arjefm-95	334	18	.	.	PUNCT
arjefm-95	335	1	race	race	NOUN
arjefm-95	335	2	and	and	CCONJ
arjefm-95	335	3	mortgage	mortgage	NOUN
arjefm-95	335	4	redlining	redlining	NOUN
arjefm-95	335	5	in	in	ADP
arjefm-95	335	6	the	the	DET
arjefm-95	335	7	united	united	PROPN
arjefm-95	335	8	states	states	PROPN
arjefm-95	335	9	.	.	PUNCT
arjefm-95	336	1	western	western	ADJ
arjefm-95	336	2	political	political	ADJ
arjefm-95	336	3	science	science	NOUN
arjefm-95	336	4	association	association	NOUN
arjefm-95	336	5	meetings	meeting	NOUN
arjefm-95	336	6	.	.	PUNCT
arjefm-95	337	1	portland	portland	PROPN
arjefm-95	337	2	,	,	PUNCT
arjefm-95	337	3	oregon	oregon	PROPN
arjefm-95	337	4	.	.	PUNCT
arjefm-95	338	1	march	march	PROPN
arjefm-95	338	2	22	22	NUM
arjefm-95	338	3	-24	-24	NOUN
arjefm-95	338	4	,	,	PUNCT
arjefm-95	338	5	2012	2012	NUM
arjefm-95	338	6	.	.	PUNCT
arjefm-95	339	1	han	han	PROPN
arjefm-95	339	2	,	,	PUNCT
arjefm-95	339	3	song	song	NOUN
arjefm-95	339	4	.	.	PUNCT
arjefm-95	339	5	2004	2004	NUM
arjefm-95	339	6	.	.	PUNCT
arjefm-95	340	1	discrimination	discrimination	NOUN
arjefm-95	340	2	in	in	ADP
arjefm-95	340	3	lending	lending	NOUN
arjefm-95	340	4	:	:	PUNCT
arjefm-95	340	5	theory	theory	NOUN
arjefm-95	340	6	and	and	CCONJ
arjefm-95	340	7	evidence	evidence	NOUN
arjefm-95	340	8	.	.	PUNCT
arjefm-95	341	1	journal	journal	NOUN
arjefm-95	341	2	of	of	ADP
arjefm-95	341	3	real	real	ADJ
arjefm-95	341	4	estate	estate	NOUN
arjefm-95	341	5	finance	finance	NOUN
arjefm-95	341	6	and	and	CCONJ
arjefm-95	341	7	economics	economic	NOUN
arjefm-95	341	8	29	29	NUM
arjefm-95	341	9	(	(	PUNCT
arjefm-95	341	10	1	1	NUM
arjefm-95	341	11	):	):	PUNCT
arjefm-95	341	12	5	5	NUM
arjefm-95	341	13	-	-	SYM
arjefm-95	341	14	46	46	NUM
arjefm-95	341	15	.	.	PUNCT
arjefm-95	342	1	home	home	NOUN
arjefm-95	342	2	mortgage	mortgage	NOUN
arjefm-95	342	3	discloure	discloure	PROPN
arjefm-95	342	4	act	act	NOUN
arjefm-95	342	5	of	of	ADP
arjefm-95	342	6	1975	1975	NUM
arjefm-95	342	7	.	.	PUNCT
arjefm-95	343	1	section	section	NOUN
arjefm-95	343	2	301	301	NUM
arjefm-95	343	3	of	of	ADP
arjefm-95	343	4	title	title	NOUN
arjefm-95	343	5	iii	iii	NUM
arjefm-95	343	6	of	of	ADP
arjefm-95	343	7	the	the	DET
arjefm-95	343	8	act	act	NOUN
arjefm-95	343	9	of	of	ADP
arjefm-95	343	10	december	december	PROPN
arjefm-95	343	11	31	31	NUM
arjefm-95	343	12	,	,	PUNCT
arjefm-95	343	13	1975	1975	NUM
arjefm-95	343	14	(	(	PUNCT
arjefm-95	343	15	pub	pub	NOUN
arjefm-95	343	16	.	.	PUNCT
arjefm-95	344	1	l.	l.	PROPN
arjefm-95	344	2	no	no	INTJ
arjefm-95	344	3	.	.	PROPN
arjefm-95	345	1	94	94	NUM
arjefm-95	345	2	-	-	SYM
arjefm-95	345	3	200	200	NUM
arjefm-95	345	4	;	;	PUNCT
arjefm-95	345	5	89	89	NUM
arjefm-95	345	6	stat	stat	NOUN
arjefm-95	345	7	.	.	PUNCT
arjefm-95	346	1	1125	1125	NUM
arjefm-95	346	2	)	)	PUNCT
arjefm-95	347	1	,	,	PUNCT
arjefm-95	347	2	effective	effective	ADJ
arjefm-95	347	3	june	june	PROPN
arjefm-95	347	4	28	28	NUM
arjefm-95	347	5	,	,	PUNCT
arjefm-95	347	6	1976	1976	NUM
arjefm-95	347	7	.	.	PUNCT
arjefm-95	348	1	housing	housing	NOUN
arjefm-95	348	2	and	and	CCONJ
arjefm-95	348	3	community	community	NOUN
arjefm-95	348	4	development	development	PROPN
arjefm-95	348	5	act	act	NOUN
arjefm-95	348	6	of	of	ADP
arjefm-95	348	7	1977	1977	NUM
arjefm-95	348	8	.	.	PUNCT
arjefm-95	349	1	section	section	NOUN
arjefm-95	349	2	801	801	NUM
arjefm-95	349	3	of	of	ADP
arjefm-95	349	4	title	title	NOUN
arjefm-95	349	5	viii	viii	NOUN
arjefm-95	349	6	of	of	ADP
arjefm-95	349	7	the	the	DET
arjefm-95	349	8	act	act	NOUN
arjefm-95	349	9	of	of	ADP
arjefm-95	349	10	october	october	PROPN
arjefm-95	349	11	12	12	NUM
arjefm-95	349	12	,	,	PUNCT
arjefm-95	349	13	1977	1977	NUM
arjefm-95	349	14	(	(	PUNCT
arjefm-95	349	15	pub	pub	NOUN
arjefm-95	349	16	.	.	PUNCT
arjefm-95	350	1	l.	l.	PROPN
arjefm-95	350	2	no	no	INTJ
arjefm-95	350	3	.	.	PROPN
arjefm-95	351	1	95	95	NUM
arjefm-95	351	2	-	-	PUNCT
arjefm-95	351	3	-128	-128	PROPN
arjefm-95	351	4	;	;	PUNCT
arjefm-95	351	5	91	91	NUM
arjefm-95	351	6	stat	stat	NOUN
arjefm-95	351	7	.	.	PUNCT
arjefm-95	352	1	1147	1147	NUM
arjefm-95	352	2	)	)	PUNCT
arjefm-95	353	1	,	,	PUNCT
arjefm-95	354	1	effective	effective	ADJ
arjefm-95	354	2	october	october	PROPN
arjefm-95	354	3	12	12	NUM
arjefm-95	354	4	,	,	PUNCT
arjefm-95	354	5	1977	1977	NUM
arjefm-95	354	6	.	.	PUNCT
arjefm-95	355	1	jann	jann	PROPN
arjefm-95	355	2	b.	b.	PROPN
arjefm-95	355	3	2008	2008	NUM
arjefm-95	355	4	.	.	PUNCT
arjefm-95	356	1	the	the	DET
arjefm-95	356	2	blinder	blinder	PROPN
arjefm-95	356	3	-	-	PUNCT
arjefm-95	356	4	oaxaca	oaxaca	PROPN
arjefm-95	356	5	decomposition	decomposition	NOUN
arjefm-95	356	6	for	for	ADP
arjefm-95	356	7	linear	linear	ADJ
arjefm-95	356	8	regression	regression	NOUN
arjefm-95	356	9	models	model	NOUN
arjefm-95	356	10	.	.	PUNCT
arjefm-95	357	1	stata	stata	PROPN
arjefm-95	357	2	journal	journal	PROPN
arjefm-95	357	3	(	(	PUNCT
arjefm-95	357	4	4):453–79	4):453–79	ADV
arjefm-95	357	5	.	.	PUNCT
arjefm-95	358	1	ladd	ladd	PROPN
arjefm-95	358	2	,	,	PUNCT
arjefm-95	358	3	helen	helen	PROPN
arjefm-95	358	4	.	.	PUNCT
arjefm-95	359	1	1998	1998	NUM
arjefm-95	359	2	.	.	PUNCT
arjefm-95	360	1	evidence	evidence	NOUN
arjefm-95	360	2	of	of	ADP
arjefm-95	360	3	discrimination	discrimination	NOUN
arjefm-95	360	4	in	in	ADP
arjefm-95	360	5	mortgage	mortgage	NOUN
arjefm-95	360	6	lending	lending	NOUN
arjefm-95	360	7	.	.	PUNCT
arjefm-95	361	1	journal	journal	PROPN
arjefm-95	361	2	of	of	ADP
arjefm-95	361	3	economic	economic	ADJ
arjefm-95	361	4	perspective	perspective	NOUN
arjefm-95	361	5	12	12	NUM
arjefm-95	361	6	(	(	PUNCT
arjefm-95	361	7	2	2	NUM
arjefm-95	361	8	):	):	PUNCT
arjefm-95	361	9	41	41	NUM
arjefm-95	361	10	-	-	SYM
arjefm-95	361	11	62	62	NUM
arjefm-95	361	12	.	.	PUNCT
arjefm-95	362	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-95	362	2	anyamele	anyamele	PROPN
arjefm-95	362	3	,	,	PUNCT
arjefm-95	362	4	fulgham	fulgham	PROPN
arjefm-95	362	5	&	&	CCONJ
arjefm-95	362	6	claude	claude	PROPN
arjefm-95	362	7	assad	assad	PROPN
arjefm-95	362	8	93	93	NUM
arjefm-95	362	9	american	american	PROPN
arjefm-95	362	10	research	research	PROPN
arjefm-95	362	11	journal	journal	PROPN
arjefm-95	362	12	of	of	ADP
arjefm-95	362	13	economics	economic	NOUN
arjefm-95	362	14	,	,	PUNCT
arjefm-95	362	15	finance	finance	NOUN
arjefm-95	362	16	and	and	CCONJ
arjefm-95	362	17	management	management	NOUN
arjefm-95	362	18	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-95	362	19	,	,	PUNCT
arjefm-95	362	20	email	email	NOUN
arjefm-95	362	21	:	:	PUNCT
arjefm-95	362	22	contact@americaserial.com	contact@americaserial.com	X
arjefm-95	363	1	93	93	NUM
arjefm-95	364	1	|	|	ADV
arjefm-95	364	2	p	p	X
arjefm-95	364	3	a	a	DET
arjefm-95	364	4	g	g	PROPN
arjefm-95	364	5	e	e	PROPN
arjefm-95	364	6	oaxaca	oaxaca	PROPN
arjefm-95	364	7	r	r	PROPN
arjefm-95	364	8	,	,	PUNCT
arjefm-95	364	9	ransom	ransom	NOUN
arjefm-95	364	10	m.	m.	NOUN
arjefm-95	364	11	1994	1994	NUM
arjefm-95	364	12	.	.	PUNCT
arjefm-95	365	1	on	on	ADP
arjefm-95	365	2	discrimination	discrimination	NOUN
arjefm-95	365	3	and	and	CCONJ
arjefm-95	365	4	decomposition	decomposition	NOUN
arjefm-95	365	5	of	of	ADP
arjefm-95	365	6	wage	wage	NOUN
arjefm-95	365	7	differentials	differential	NOUN
arjefm-95	365	8	.	.	PUNCT
arjefm-95	366	1	journal	journal	NOUN
arjefm-95	366	2	of	of	ADP
arjefm-95	366	3	econometrics	econometrics	PROPN
arjefm-95	366	4	61:5–21	61:5–21	NUM
arjefm-95	366	5	.	.	PUNCT
arjefm-95	367	1	phelps	phelps	PROPN
arjefm-95	367	2	,	,	PUNCT
arjefm-95	367	3	e.s	e.s	PROPN
arjefm-95	367	4	.	.	PROPN
arjefm-95	367	5	1972	1972	NUM
arjefm-95	367	6	.	.	PUNCT
arjefm-95	368	1	the	the	DET
arjefm-95	368	2	statistical	statistical	ADJ
arjefm-95	368	3	theory	theory	NOUN
arjefm-95	368	4	of	of	ADP
arjefm-95	368	5	racism	racism	NOUN
arjefm-95	368	6	and	and	CCONJ
arjefm-95	368	7	sexism.american	sexism.american	ADJ
arjefm-95	368	8	economic	economic	ADJ
arjefm-95	368	9	review	review	NOUN
arjefm-95	368	10	64	64	NUM
arjefm-95	368	11	(	(	PUNCT
arjefm-95	368	12	4	4	NUM
arjefm-95	368	13	):	):	PUNCT
arjefm-95	368	14	659	659	NUM
arjefm-95	368	15	-	-	SYM
arjefm-95	368	16	661	661	NUM
arjefm-95	368	17	.	.	PUNCT
arjefm-95	369	1	phillips	phillip	NOUN
arjefm-95	369	2	s.	s.	PROPN
arjefm-95	369	3	2010	2010	NUM
arjefm-95	369	4	.	.	PUNCT
arjefm-95	370	1	the	the	DET
arjefm-95	370	2	subprime	subprime	ADJ
arjefm-95	370	3	crisis	crisis	NOUN
arjefm-95	370	4	and	and	CCONJ
arjefm-95	370	5	african	african	ADJ
arjefm-95	370	6	americans	americans	PROPN
arjefm-95	370	7	.	.	PUNCT
arjefm-95	371	1	review	review	NOUN
arjefm-95	371	2	of	of	ADP
arjefm-95	371	3	black	black	ADJ
arjefm-95	371	4	political	political	ADJ
arjefm-95	371	5	economy	economy	NOUN
arjefm-95	371	6	37:223–9	37:223–9	NUM
arjefm-95	371	7	.	.	PUNCT
arjefm-95	372	1	phillips	phillips	PROPN
arjefm-95	372	2	-	-	PUNCT
arjefm-95	372	3	patrick	patrick	PROPN
arjefm-95	372	4	and	and	CCONJ
arjefm-95	372	5	rossi	rossi	PROPN
arjefm-95	372	6	,	,	PUNCT
arjefm-95	372	7	clifford	clifford	PROPN
arjefm-95	372	8	.	.	PUNCT
arjefm-95	372	9	1996	1996	NUM
arjefm-95	372	10	.	.	PUNCT
arjefm-95	373	1	statistical	statistical	ADJ
arjefm-95	373	2	evidence	evidence	NOUN
arjefm-95	373	3	of	of	ADP
arjefm-95	373	4	mortgage	mortgage	NOUN
arjefm-95	373	5	redlining	redlining	NOUN
arjefm-95	373	6	?	?	PUNCT
arjefm-95	374	1	a	a	DET
arjefm-95	374	2	cautionary	cautionary	ADJ
arjefm-95	374	3	tale.the	tale.the	DET
arjefm-95	374	4	journal	journal	NOUN
arjefm-95	374	5	of	of	ADP
arjefm-95	374	6	real	real	ADJ
arjefm-95	374	7	estate	estate	NOUN
arjefm-95	374	8	resarch	resarch	NOUN
arjefm-95	374	9	11	11	NUM
arjefm-95	374	10	(	(	PUNCT
arjefm-95	374	11	1	1	NUM
arjefm-95	374	12	):	):	PUNCT
arjefm-95	374	13	13	13	NUM
arjefm-95	374	14	-	-	SYM
arjefm-95	374	15	23	23	NUM
arjefm-95	374	16	.	.	PUNCT
arjefm-95	375	1	phillips	phillips	PROPN
arjefm-95	375	2	-	-	PUNCT
arjefm-95	375	3	patrick	patrick	PROPN
arjefm-95	375	4	and	and	CCONJ
arjefm-95	375	5	rossi	rossi	PROPN
arjefm-95	375	6	,	,	PUNCT
arjefm-95	375	7	clifford	clifford	PROPN
arjefm-95	375	8	.	.	PUNCT
arjefm-95	376	1	the	the	DET
arjefm-95	376	2	effects	effect	NOUN
arjefm-95	376	3	of	of	ADP
arjefm-95	376	4	community	community	NOUN
arjefm-95	376	5	reinvestment	reinvestment	NOUN
arjefm-95	376	6	on	on	ADP
arjefm-95	376	7	local	local	ADJ
arjefm-95	376	8	communities	community	NOUN
arjefm-95	376	9	.	.	PUNCT
arjefm-95	377	1	consumers	consumer	NOUN
arjefm-95	377	2	bankers	bankers	PROPN
arjefm-95	377	3	association	association	PROPN
arjefm-95	377	4	,	,	PUNCT
arjefm-95	377	5	arlington	arlington	PROPN
arjefm-95	377	6	,	,	PUNCT
arjefm-95	377	7	va	va	PROPN
arjefm-95	377	8	,	,	PUNCT
arjefm-95	377	9	1995	1995	NUM
arjefm-95	377	10	.	.	PUNCT
arjefm-95	378	1	rugh	rugh	PROPN
arjefm-95	378	2	js	js	PROPN
arjefm-95	378	3	,	,	PUNCT
arjefm-95	378	4	massey	massey	PROPN
arjefm-95	378	5	ds	ds	PROPN
arjefm-95	378	6	.	.	PROPN
arjefm-95	378	7	2010	2010	NUM
arjefm-95	378	8	.	.	PUNCT
arjefm-95	379	1	racial	racial	ADJ
arjefm-95	379	2	segregation	segregation	NOUN
arjefm-95	379	3	and	and	CCONJ
arjefm-95	379	4	the	the	DET
arjefm-95	379	5	american	american	ADJ
arjefm-95	379	6	foreclosure	foreclosure	NOUN
arjefm-95	379	7	crisis	crisis	NOUN
arjefm-95	379	8	.	.	PUNCT
arjefm-95	380	1	american	american	ADJ
arjefm-95	380	2	sociological	sociological	ADJ
arjefm-95	380	3	review	review	PROPN
arjefm-95	380	4	75(5):629–51	75(5):629–51	NUM
arjefm-95	380	5	.	.	PUNCT
arjefm-95	381	1	schafer	schafer	NOUN
arjefm-95	381	2	r	r	NOUN
arjefm-95	381	3	,	,	PUNCT
arjefm-95	381	4	ladd	ladd	VERB
arjefm-95	381	5	hf.1981.discrimination	hf.1981.discrimination	NOUN
arjefm-95	381	6	in	in	ADP
arjefm-95	381	7	mortgage	mortgage	NOUN
arjefm-95	381	8	lending	lending	NOUN
arjefm-95	381	9	.	.	PUNCT
arjefm-95	382	1	cambridge	cambridge	PROPN
arjefm-95	382	2	,	,	PUNCT
arjefm-95	382	3	massachusetts	massachusetts	PROPN
arjefm-95	382	4	:	:	PUNCT
arjefm-95	382	5	mit	mit	PROPN
arjefm-95	382	6	press	press	NOUN
arjefm-95	382	7	.	.	PUNCT
arjefm-95	383	1	sinning	sin	VERB
arjefm-95	383	2	m	m	PROPN
arjefm-95	383	3	,	,	PUNCT
arjefm-95	383	4	hahn	hahn	PROPN
arjefm-95	383	5	m	m	PROPN
arjefm-95	383	6	,	,	PUNCT
arjefm-95	383	7	bauer	bauer	PROPN
arjefm-95	383	8	tk	tk	PROPN
arjefm-95	383	9	.	.	PROPN
arjefm-95	383	10	2008	2008	NUM
arjefm-95	383	11	.	.	PUNCT
arjefm-95	384	1	the	the	DET
arjefm-95	384	2	blinder	blinder	PROPN
arjefm-95	384	3	-	-	PUNCT
arjefm-95	384	4	oaxaca	oaxaca	PROPN
arjefm-95	384	5	decomposition	decomposition	NOUN
arjefm-95	384	6	for	for	ADP
arjefm-95	384	7	nonlinear	nonlinear	ADJ
arjefm-95	384	8	regression	regression	NOUN
arjefm-95	384	9	models	model	NOUN
arjefm-95	384	10	.	.	PUNCT
arjefm-95	385	1	stata	stata	PROPN
arjefm-95	385	2	journal	journal	PROPN
arjefm-95	385	3	4:480–92	4:480–92	PROPN
arjefm-95	385	4	.	.	PUNCT
arjefm-95	386	1	surveys	survey	NOUN
arjefm-95	386	2	of	of	ADP
arjefm-95	386	3	consumer	consumer	NOUN
arjefm-95	386	4	finances	finance	NOUN
arjefm-95	386	5	.	.	PUNCT
arjefm-95	387	1	board	board	NOUN
arjefm-95	387	2	of	of	ADP
arjefm-95	387	3	governors	governor	NOUN
arjefm-95	387	4	of	of	ADP
arjefm-95	387	5	the	the	DET
arjefm-95	387	6	federal	federal	PROPN
arjefm-95	387	7	reserve	reserve	PROPN
arjefm-95	387	8	system	system	NOUN
arjefm-95	387	9	.	.	PUNCT
arjefm-95	388	1	washington	washington	PROPN
arjefm-95	388	2	,	,	PUNCT
arjefm-95	388	3	d.c	d.c	PROPN
arjefm-95	388	4	.	.	PROPN
arjefm-95	388	5	2001	2001	NUM
arjefm-95	388	6	-	-	SYM
arjefm-95	388	7	2010	2010	NUM
arjefm-95	388	8	.	.	PUNCT
arjefm-95	389	1	u.s	u.s	PROPN
arjefm-95	389	2	.	.	PROPN
arjefm-95	389	3	census	census	PROPN
arjefm-95	389	4	bereau	bereau	PROPN
arjefm-95	389	5	.	.	PUNCT
arjefm-95	390	1	housing	housing	NOUN
arjefm-95	390	2	vacancies	vacancy	NOUN
arjefm-95	390	3	and	and	CCONJ
arjefm-95	390	4	ownership	ownership	NOUN
arjefm-95	390	5	.	.	PUNCT
arjefm-95	391	1	final	final	ADJ
arjefm-95	391	2	report	report	NOUN
arjefm-95	391	3	:	:	PUNCT
arjefm-95	391	4	washington	washington	PROPN
arjefm-95	391	5	government	government	NOUN
arjefm-95	391	6	printing	printing	NOUN
arjefm-95	391	7	office	office	NOUN
arjefm-95	391	8	,	,	PUNCT
arjefm-95	391	9	2013	2013	NUM
arjefm-95	391	10	.	.	PUNCT
arjefm-95	392	1	weller	weller	PROPN
arjefm-95	392	2	ce	ce	PROPN
arjefm-95	392	3	.	.	PROPN
arjefm-95	392	4	2009	2009	NUM
arjefm-95	392	5	.	.	PUNCT
arjefm-95	393	1	credit	credit	NOUN
arjefm-95	393	2	access	access	NOUN
arjefm-95	393	3	,	,	PUNCT
arjefm-95	393	4	the	the	DET
arjefm-95	393	5	cost	cost	NOUN
arjefm-95	393	6	of	of	ADP
arjefm-95	393	7	credit	credit	NOUN
arjefm-95	393	8	and	and	CCONJ
arjefm-95	393	9	credit	credit	NOUN
arjefm-95	393	10	market	market	NOUN
arjefm-95	393	11	discrimination	discrimination	NOUN
arjefm-95	393	12	.	.	PUNCT
arjefm-95	394	1	review	review	NOUN
arjefm-95	394	2	of	of	ADP
arjefm-95	394	3	black	black	ADJ
arjefm-95	394	4	political	political	ADJ
arjefm-95	394	5	economy	economy	NOUN
arjefm-95	394	6	36:7–28	36:7–28	ADJ
arjefm-95	394	7	.	.	PUNCT
arjefm-95	395	1	western	western	ADJ
arjefm-95	395	2	economic	economic	ADJ
arjefm-95	395	3	services	service	NOUN
arjefm-95	395	4	.	.	PUNCT
arjefm-95	396	1	mississippi	mississippi	NOUN
arjefm-95	396	2	:	:	PUNCT
arjefm-95	396	3	analysis	analysis	NOUN
arjefm-95	396	4	of	of	ADP
arjefm-95	396	5	impediments	impediment	NOUN
arjefm-95	396	6	to	to	ADP
arjefm-95	396	7	fair	fair	ADJ
arjefm-95	396	8	housing	housing	NOUN
arjefm-95	396	9	.	.	PUNCT
arjefm-95	397	1	report	report	NOUN
arjefm-95	397	2	submitted	submit	VERB
arjefm-95	397	3	to	to	ADP
arjefm-95	397	4	the	the	DET
arjefm-95	397	5	missis	missis	NOUN
arjefm-95	397	6	sippi	sippi	NOUN
arjefm-95	397	7	development	development	PROPN
arjefm-95	397	8	authority	authority	PROPN
arjefm-95	397	9	,	,	PUNCT
arjefm-95	397	10	april	april	PROPN
arjefm-95	397	11	2004	2004	NUM
arjefm-95	397	12	.	.	PUNCT
arjefm-95	398	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X