Document Type



This study examines the issue of fair housing from the standpoint of appraisal reports that determine the value of properties. Specifically, descriptors of crime within Arkansas appraisal reports are analyzed, along with completed interview questionnaires representing the mortgage lending, law enforcement, and home appraisal communities. This study provides pivotal findings with respect to appraisal reports in Arkansas and implications for public policy. Particularly, it finds that some of the most relevant stakeholders related to housing in Arkansas unfairly categorize certain geographic areas according to perceptions of crime, as indicated by a review of data found within appraisal reports. This study has implications for sales, rentals, and mortgage lending within the entire state of Arkansas; it also illustrates perpetuated stereotypes about specific groups of people. Finally, a significant policy recommendation is offered by this collaborative research.