Subprime lending over time: the role of race
AbstractAnalyzes the racial gap in subprime mortgages over time. The study estimates a portion of the gap that cannot be attributed to such characteristics as income, credit score, loan amount, degree of documentation, denial rate, residence in a minority tract, and debt-to-income ratio. It concludes that the unexplained portion suggests that bias in mortgage lending cannot be ruled out.
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Bibliographic InfoPaper provided by Federal Reserve Bank of Philadelphia in its series Community Affairs Discussion Paper with number 10-02.
Date of creation: 2010
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