Since February 2010, detailed information on every home mortgage default and foreclosure in New York State must be … Mortgage Disclosure Act (HMDA) enables us to identify the race and ethnicity of borrowers who defaulted on their home mortgages … default. After controlling for other factors, we find that the interest rates charged to black and Latino borrowers tended to …

Since February 2010, detailed information on every home mortgage default and foreclosure in New York State must be … that borrowers in default who took larger loans are more likely to progress to foreclosure. It also suggests that reducing … mortgages were modified via HAMP progress to a lis pendens filing a higher rate than defaulted borrowers without a modification …

of the events of fulfilling, delinquency and default of each individual payment on the loan. The proposed model has …