William Apgar, Amal Bendimerad, Ren Essene
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April 25, 2007
For decades “fair lending” issues have received attention in both public policy arenas and the popular press, but the release of 2004 Home Mortgage Disclosure Act (HMDA) data…
RR07-2: Where the poor live and why has an enormous impact on access to jobs, decent quality schools, and other local attributes that affect a family’s ability to rise…
BABC 04-7: Little systematic work exists to address the many and varied ways some borrowers end up with subprime mortgages and to what extent those loans serve the true…
Using data from the 1998 Survey of Consumer Finances (SCF), this paper estimates homeownership rates that would prevail in the United States if borrowing constraints were…