We investigate whether race and ethnicity influenced subprime loan pricing during 2005, the peak of the subprime … 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 …

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 …

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 … FHA-insured home purchase mortgages between 2010 and 2019 across categories of race, ethnicity, and gender accounting for …

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 …