mortgage contract designs that more directly pass through interest rate declines to borrowers can reduce racial mortgage …

mortgage expansion. We combine loan-level data on the performance of non-prime securitized mortgages with individual- and … rate determination that accounts for predicted loan performance, we evaluate the differences in subprime mortgage rates in …

mortgage contract designs that more directly pass through interest rate declines to borrowers can reduce racial mortgage …

Over the period 2005 to 2015, Black borrowers paid more than 40 basis points higher mortgage interest rates than Non … refinancing for minority borrowers and alternative mortgage contract designs can significantly reduce racial mortgage rate …

This paper examines how high cost mortgage lending varies by race and ethnicity. It uses a unique panel data that … loans for African-American and Hispanic borrowers even after controlling for key mortgage risk factors: they have a 7.7 and … sorting across) mortgage lenders …

The recent subprime mortgage crisis has brought to the forefront the possibility of discriminatory lending on the basis … in 2006 through the Home Mortgage Disclosure Act. I address two possible theories of discrimination: (1) structural …

Discrimination in mortgage lending is often measured by differences in the share of applications denied by lenders …. However, incomplete information on the applicant characteristics typically used in mortgage underwriting creates an omitted …

This paper examines how high cost mortgage lending varies by race and ethnicity. It uses a unique panel data that … loans for African-American and Hispanic borrowers even after controlling for key mortgage risk factors: they have a 7.7 and … sorting across) mortgage lenders …