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How much does racial bias affect mortgage lending? : evidence from human and algorithmic credit decisions

Bhutta, Neil; Hizmo, Aurel; Ringo, Daniel - 2024

Persistent link: https://www.econbiz.de/10014575758

Regression discontinuity estimates of the effects of the GSE Act of 1992

Bhutta, Neil - 2009

Persistent link: https://www.econbiz.de/10003832596

The depth of negative equity and mortgage default decisions

Bhutta, Neil; Dokko, Jane; Shan, Hui - 2010

Persistent link: https://www.econbiz.de/10003995902

Mortgage debt and household deleveraging : accounting for the decline in mortgage debt using consumer credit record data

Bhutta, Neil - 2012

Persistent link: https://www.econbiz.de/10009546840

"The ins and outs of mortgage debt during the housing boom and bust"

Bhutta, Neil - 2014

Persistent link: https://www.econbiz.de/10011286187

The community reinvestment act and mortgage lending to lower income borrowers and neighborhoods

Bhutta, Neil - In: The journal of law & economics 54 (2011) 4, pp. 953-983

Persistent link: https://www.econbiz.de/10009663358

GSE activity and mortgage supply in lower-income and minority neighborhoods : the effect of the affordable housing goals

Bhutta, Neil - In: The journal of real estate finance and economics 45 (2012) 1, pp. 238-261

Persistent link: https://www.econbiz.de/10009581752

Giving credit where credit is due? : The Community Reinvestment Act and mortgage lending in lower-income neighborhoods

Bhutta, Neil - 2008

Persistent link: https://www.econbiz.de/10003830521

The Community Reinvestment Act and Mortgage Lending to Lower Income Borrowers and Neighborhoods

Bhutta, Neil - 2011

This paper assesses the impact of the Community Reinvestment Act (CRA), a law mandating that banks help meet the credit needs of lower income borrowers and neighborhoods. To measure the law's effect on lending to targeted groups since 1994, I take advantage of discontinuous targeting rules and...

Persistent link: https://www.econbiz.de/10013132668

The 2009 HMDA Data : The Mortgage Market During a Time of Low Interest Rates and Economic Distress

Avery, Robert B. - 2011

The data that mortgage lending institutions reported for 2009 under the Home Mortgage Disclosure Act of 1975 (HMDA …) reflect the ongoing difficulties in the housing and mortgage markets. This article presents a number of key findings from a … federal government's greatly expanded role in the mortgage market, and examines how the interest rate environment and changes …

Persistent link: https://www.econbiz.de/10013132885