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. 2024 Jul;13(14):e7397.
doi: 10.1002/cam4.7397.

Effects of housing stability and contemporary mortgage lending bias on breast cancer stage at diagnosis among older women in the United States

Nicole Rademacher  1 , Yuhong Zhou  2 , Emily L McGinley  3 , Purushottam W Laud  2   3   4 , Tina W F Yen  3   4   5 , Sara Beltrán Ponce  6 , Ann B Nattinger  3   4   7 , Kirsten M M Beyer  2   3   4
Affiliations

Effects of housing stability and contemporary mortgage lending bias on breast cancer stage at diagnosis among older women in the United States

Nicole Rademacher et al. Cancer Med. 2024 Jul.

Abstract

Background: Interventions aimed at upstream factors contributing to late-stage diagnoses could reduce disparities and improve breast cancer outcomes. This study examines the association between measures of housing stability and contemporary mortgage lending bias on breast cancer stage at diagnosis among older women in the United States.

Methods: We studied 67,588 women aged 66-90 from the SEER-Medicare linked database (2010-2015). The primary outcome was breast cancer stage at diagnosis. Multinomial regression models adjusted for individual and neighborhood socio-economic factors were performed using a three-category outcome (stage 0, early stage, and late stage). Key census tract-level independent variables were residence in the same house as the previous year, owner-occupied homes, and an index of contemporary mortgage lending bias.

Results: In models adjusted for individual factors, higher levels of mortgage lending bias were associated with later stage diagnosis (RR = 1.10, 95% CI 1.02-1.20; RR = 1.31, 95% CI 1.16-1.49; RR = 1.41, 95% CI 1.24-1.60 for least to high, respectively). In models adjusted for individual and neighborhood socio-economic factors, moderate and high levels of mortgage lending bias were associated with later stage diagnosis (RR = 1.16, 95% CI 1.02-1.33 for moderate and RR = 1.18, 95% CI 1.02-1.37 for high). Owner occupancy and tenure were not associated with later stage diagnosis in adjusted models.

Conclusions: Contemporary mortgage lending bias demonstrated a significant gradient relationship with later stage at diagnosis of breast cancer. Policy interventions aimed at reducing place-based mortgage disinvestment and its impacts on local resources and opportunities should be considered as part of an overall strategy to decrease late-stage breast cancer diagnosis and improve prognosis.

Keywords: breast cancer; diagnosis stage; housing access; housing stability; mortgage lending bias.

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Conflict of interest statement

None.

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