Rough Answers: Abiding Concerns about Gender Discrimination and Access to Mortgage Funding

  • Zena Seldon University College of the Cariboo
  • Dawn Farough University College of the Cariboo.
Keywords: Real estate, Gender discrimination


The economics and finance literature on mortgage lending is unclear with respect to the degree, if any, of discrimination against poor women, and much other social science literature (sociology and geography), feminist and otherwise, argues that economic conditions and gender go hand in hand. This paper augments a virtually non-existent literature on how Canadian mortgage lenders behave in practice, reporting on an experiment run in British Columbia to see whether local mortgage lenders made loans based on the income guidelines of CMHC or if they stereotyped poor women as bad risks.