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Persistent link: https://www.econbiz.de/10009581752
I estimate the credit supply effect of the Underserved Areas Goal (UAG), which establishes GSE purchase goals for mortgages to lower-income and minority neighborhoods. Taking advantage of discontinuous census tract eligibility rules and abrupt changes in tract eligibility, I find some evidence...
Persistent link: https://www.econbiz.de/10013103994
We test for racial discrimination in the prices charged by mortgage lenders. We construct a unique dataset where we observe all three dimensions of a mortgage's price: the interest rate, discount points, and fees. While we find statistically significant gaps by race and ethnicity in interest...
Persistent link: https://www.econbiz.de/10012834174
We test for racial discrimination in the prices charged by mortgage lenders. We construct a unique dataset where we observe all three dimensions of a mortgage's price: the interest rate, discount points, and fees. While we find statistically significant gaps by race and ethnicity in interest...
Persistent link: https://www.econbiz.de/10012849876
Persistent link: https://www.econbiz.de/10012388175
Persistent link: https://www.econbiz.de/10012434822
Persistent link: https://www.econbiz.de/10014575758
I estimate the credit supply effect of the Underserved Areas Goal (UAG), which establishes GSE purchase goals for mortgages to lower-income and minority neighborhoods. Taking advantage of discontinuous census tract eligibility rules and abrupt changes in tract eligibility, I find some evidence...
Persistent link: https://www.econbiz.de/10012964828
Persistent link: https://www.econbiz.de/10014091560
New data from the 2019 Survey of Consumer Finances (SCF) show that long-standing and substantial wealth disparities between families in different racial and ethnic groups were little changed since the last survey in 2016; the typical White family has eight times the wealth of the typical Black...
Persistent link: https://www.econbiz.de/10014093170