Female mortgage applicants are less likely to have their loans approved than their male counterparts, according to a new report by the Woodstock Institute, prompting researchers to call for further investigation into gender discrimination in lending practices.

After studying 2010 Home Mortgage Disclosure Act (HMDA) data for the Chicago six county region, which includes Cook, DuPage, Kane, Lake, McHenry, and Will counties, the Woodstock Institute found than “female applicants overall were about 8 percent less likely to have purchase mortgages originated and about 21 percent less likely to have refinance mortgages originated than were male applicants.”

The study, called “Unequal Opportunity: Disparate Mortgage Origination Patterns for Women in the Chicago Area,” analyzed 58,870 applications for purchase mortgages and 198,522 applications for refinance mortgages from 2010. It examined data for originated or denied loans of amounts between $20,000 and $800,000 for applicants with incomes between $20,000 and $999,000.

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