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Same-Sex Marriage Laws and Demand for Mortgage Credit



Release Date: 
February 2016 (29 pages)
Posted Date:   
February 25, 2016



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To our knowledge, this paper is the first to describe the pathways through which same-sex marriage laws are thought to increase same-sex mortgage applications. The paper is also the first to use the HMDA dataset to examine the pattern of same-sex mortgage applications over time and exploit state variation to estimate the causal effect of changes in same-sex marriage laws on same-sex mortgage applications. The findings further our understanding of the economics of the same-sex household at a crucial point in time in the evolution of legal equality and social acceptance.