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 04-23: 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…
Robert Avery, Paul Calem, Glenn Canner
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February 11, 2004
BABC 04-11: Concerns about the accuracy, timeliness, and completeness of information gathered by credit reporting agencies have grown as credit evaluation and decisions…
Raphael Bostic, Paul Calem, Susan Wachter
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February 5, 2004
BABC 04-5: There is a broad consensus regarding the benefits of homeownership, which include wealth accumulation and improvements along social and personal dimensions.…
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…