Digitalization is promising to expand opportunities for traditionally disadvantaged individuals and communities in the housing market. Digital platforms, such as Zillow and…
BABC 04-23: Mortgage lenders have long used credit scores as a basis for estimating borrower risk. This risk differentiation is reflected in the coupon rate of the loan…
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…