J Loya

Biographic Data

ID45610
NAMEJ Loya
GIVEN NAMESJ
FAMILY NAMELoya
SIGNATURELOYA J
AFFILIATIONSUniversity of California, Los Angeles
ORCID0000-0003-0602-3556
VERIFIEDYes
TOTAL WORKS11
TOTAL CITATIONS19
AUTHOR COUNT11
EDITOR COUNT0
FIRST PUBLICATION YEAR2021
LATEST PUBLICATION YEAR2026
H-INDEX2

  • House Rich, Poor Access: Ethno-Racial and Creditworthiness Inequality in the U.S. Refinance Mortgage Market

    Open AccessJ LoyaARTICLESociological Perspectives2026

    Homeownership remains a central mechanism through which ethno-racial stratification is produced and maintained in the United States. While prior research has documented the disadvantages minority households face in accessing homeownership, limited attention has been paid to the challenges they face in the mortgage refinancing market. Moreover, existing studies fail to account for variations in creditworthiness when assessing outcomes in the refin…

  • Ethno-Racial Disparities in Adverse Experiences at Mortgage Closing: Evidence From the National Survey of Mortgage Originations

    J LoyaARTICLEHousing Policy Debate2024

    The mortgage industry is central to ethno-racial stratification in access to homeownership. Obtaining a successful mortgage origination requires many steps, points of verification, and interactions between clients, realtors, and mortgage brokers. Ample research has documented ethno-racial inequality in mortgage loan outcomes and during the early stages of the homebuying process, such as minority steering and quality of service. However, it is unc…

  • Ethno-Racial Stratification in the Refinanced Mortgage Market

    Open AccessJ LoyaARTICLESociology of Race and Ethnicity2024

    The mortgage industry is a key component of ethno-racial stratification in wealth and homeownership. Previous research demonstrates that unequal treatment of minorities has created inequality in access and exclusion to low-cost mortgage loans in the housing market. While prior studies have documented the disadvantages Black and Latino home seekers face in obtaining a mortgage, these studies have not considered the obstacles that current homeowner…

  • Ethno-Racial and Credit Worthiness Disparities in Access to Mortgage Credit

    Open AccessJ LoyaARTICLESocial Forces2024Cited by: 1References: 62

    The mortgage industry is central to ethno-racial stratification in homeownership access. Ample research demonstrates that unequal treatment of minorities has created major differences in the access and exclusion of low-cost loan products in the housing market. While numerous studies have documented the disadvantages Black and Latino homebuyers face, these studies have been limited in their assessment of credit worthiness in accessing a mortgage. …

  • How Age Shapes Ethno-Racial Disparities in Accessing Mortgage Credit

    J LoyaARTICLESociological Quarterly2024References: 80

    Unequal homeownership access is a major component of ethno-racial stratification. Previous studies have demonstrated substantial ethno-racial disparities in access and outcomes throughout the homeownership process. In addition, prior research has assumed that mortgage applicants have a similar age distribution across ethno-racial groups. This paper draws on annual data from the 2018 and 2019 Home Mortgage Disclosure Act (HMDA) to assess variation…

  • Ethno-racial and Down Payment Disparities in Mortgage Credit Access

    Open AccessJ LoyaARTICLERace and Social Problems2023

  • Ethno-racial and relative income disparities in access to mortgage credit

    Open AccessJ LoyaARTICLEResearch in Social Stratification…2023Cited by: 2References: 10

  • Gender and ethno‐racial disparities in access to mortgage credit

    Open AccessJ LoyaARTICLESocial Science Quarterly2023References: 47

    There is a long history of gender and ethno‐racial stratification in access to homeownership. Previous research highlights unequal treatment of minorities and women in the mortgage market. However, prior studies focus on single loan applicants when assessing the roles of both gender and race and ethnicity in their analysis. Because of this, it is unclear how mortgage lending disparities differ when considering the intersection of gender and race …

  • Differential Access in Mortgage Credit: The Role of Neighborhood Spatial and Racial Stratification

    Open AccessJ LoyaARTICLERural Sociology2023References: 65

    Inequality in homeownership is a major component of ethno-racial stratification. Previous studies demonstrate large ethno-racial differences in access and outcomes throughout the home buying process at both the individual and neighborhood levels. An underlying assumption in these studies is that neighborhood ethno-racial disparities in lending are similar across neighborhood spatial types. However, mortgage lending disparities are unclear when ex…

  • Ethno-racial stratification in the mortgage market: The role of co-applicants

    Open AccessJ LoyaARTICLESocial Science Research2022Cited by: 7References: 34

  • The Great Recession and Ethno-Racial Disparities in Access to Mortgage Credit

    Open AccessJ Loya, Chenoa A Flippen et al.ARTICLESocial Problems2021Cited by: 9References: 30

    The mortgage industry has long been central to racially and ethnically stratified access to homeownership. Liberalized access to credit during the 1990s and early 2000s targeted subprime and other high-cost loans to individuals and communities of color. This article draws on annual data from the Home Mortgage Disclosure Act (HMDA) from 2004 through 2017 to assess short-term variation in racial and ethnic disparities in loan outcomes associated wi…