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 04-6: This paper examines home purchase mortgage choice employing data from 2002. Conventional, FHA, subprime, and special programs for low-to-moderate income…