| Credit | Employment | Housing | Total | |||
| Race | Familial Status | |||||
| Tests Conducted | 3 | 3 | 3 | 61 | 70 | |
| Different Treatment | 2 | 0 | 2 | 4 | 8 | |
Credit:
Test 1
Both testers met with the same loan officer. The African American tester waited 14 minutes to meet with the loan officer and the white tester waited 4 minutes. Both testers were quoted the same rates and given the same material. The African American tester was asked if his job and credit were OK. The white tester was not asked about his job or credit.
Test 2
Both testers met with the same loan officer. The African American tester waited 6 minutes to meet with the loan officer and the white tester waited 3 minutes. Both testers were quoted the same rate information. The African American tester was told that a credit check would be run when he completed an application and if it checked out the loan officer would process the paper work on the loan. The white tester was not told about a credit check.
Housing:
Test 1
Both testers met with the same manager. The manager offered the white tester a seat but did not offer the African American tester a seat. The manger showed both testers a unit on the first floor. The manager showed the white tester a second cleaner unit. The manager did not show this unit to the African American tester. The manager offered to show the white tester the laundry facilities. The manager did not make the same offer to the African American tester. The manager gave the African American tester the following forms: an application, a Release, Waiver & Indemnity form, a Disclosure Statement, a Disclosure of Information Lead-Based Paint Hazards, and a pamphlet "Protect Your Family From Lead in Your Home". The white tester was not given these forms. Thee manager told the white tester to call if she wanted an application or if they could be of further help.
Test 2
Both testers met with the same manager. Both testers were shown a model apartment. The manager did not offer to shake hands with the African American tester. The manager offered to shake the white tester's hand twice during the visit. The manager pointed out to the African American tester the building which would have apartments available. The African American tester was told that there were two apartments available, #103 and #109 and if she returned next week she could view the apartments. The manager showed the white tester two vacant apartments, #308 and #310. The African American tester was told that the rent would be $555 a month. The white tester was told that there was a special and the rent would be $525 a month. The manager wrote $525-555 on the application form which she gave to the White tester.
Familial Status:
Test 1
The tester posed as a single parent with an elementary school aged child and inquired about a one-bedroom apartment. The manager told the tester, "I do charge a little bit extra for a second person cause I provide the water and the heating of the hot water. So there would be $15 additional charge for a second person. It's kind of a break even amount for the, ah, water and the heating of the water and so on." The manager also informed the tester that the deposit would be equal to one months rent. [A landlord may base rent amounts on number of people if extra rent amount correlates to increases in utility costs paid by the landlord; but a landlord may not base rental deposits on number of people.]
Test 2
The tester posed as a single parent with an elementary school aged child and inquired about a one-bedroom apartment. The manager told the tester, "They're kind of small one-bedrooms. I mean, for a nine or ten-year-old, that might be kind of tight." The manager also stated, "Well, we do frown upon that kind of situation in a … in a single bedroom. The double bedrooms we don't care."
A second test was conducted with a tester posing as a married person with no children. The manager did not comment on the size of the one-bedroom apartment.
Test 3
The tester posed as a single parent with an elementary school aged child and inquired about a one-bedroom apartment. The manager told the tester, "Well, this apartment complex is kind of in a business area. There's no yard or anything, ya know, ah, for them to play in. And it's right on First Avenue, if you're familiar with Cedar Rapids, which is a busy street. But, we're right down by the river. But, um, right now we don't … well, we have had, you know, children in there, but right now we don't have any, any in there with children. I'm not trying to discourage you or anything but, you know, I just think … you know, if I had a daughter, I wouldn't want to.. (sigh or slight laugh) .. leave them, you know, be living there, but …
A second test was conducted with a tester posing as a married person with no children. The manager did not comment on the lack of yard space or the street being busy.
Test 4
The tester posed as a single parent with an elementary school aged child and inquired about a one-bedroom apartment. The manager told the tester, "I don't have anything on the lower floors. We have children only on the … we have three, ah tiers here. And I have so many people work. I tried with children on the second and third level and it just didn't work. So I'm sorry but I just don't have anything available. And I won't until December 1."