Childbirth and childrearing represent significant financial burdens which often require planning and saving. Women in states with limited access to abortion are more likely to be unprepared for these costs, potentially affecting their creditworthiness and ability to obtain a mortgage.

Considering the intersection of reproductive healthcare policies, gender dynamics, and financial outcomes in mortgage lending and using HMDA data on single male and female mortgage applicants, this research considers how abortion access affects mortgage rejection rates and the cost of mortgages. Single female applicants are treated by their access to abortion, while single male applicants serve as a control group. Abortion access is measured using the NARAL’s annual grades, reflecting each state’s abortion rights policies. The research includes a comprehensive range of individual-level and state-level control to mitigate the influence of confounding factors and broader economic conditions that may affect both mortgage market dynamics and reproductive healthcare access in each state.

By considering this intersection of reproductive healthcare and credit access, the study calls for more equitable and fair lending practices, especially in light of the U.S. Supreme Court’s decision to overturn Roe v. Wade. It offers important insights for policymakers and financial institutions aiming to reduce economic disparities and improve access to credit for women.