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来源类型 | Working Paper |
规范类型 | 工作论文 |
Real Denial Rates | |
其他题名 | A Better Way to Look at Who Is Receiving Mortgage Credit |
Laurie Goodman; Bing Bai; Wei Li | |
发表日期 | 2018-07-26 |
出版年 | 2018 |
语种 | 英语 |
概述 | This paper updates the current denial rate for mortgages using the real denial rate (RDR) methodology developed in 2014. The RDR improves on the traditional denial rate measurement because it takes into account the differences in credit worthiness among borrowers. Accordingly, our RDR more accurately reveals the current levels of mortgage credit accessibility. Our updated results show that conventional mortgages |
摘要 | This paper updates the current denial rate for mortgages using the real denial rate (RDR) methodology developed in 2014. The RDR improves on the traditional denial rate measurement because it takes into account the differences in credit worthiness among borrowers. Accordingly, our RDR more accurately reveals the current levels of mortgage credit accessibility. Our updated results show that conventional mortgages have higher denial rates than government mortgages, racial and ethnic differences are smaller than the traditional denial rate method indicates but are not eliminated, and small-dollar mortgages have significantly higher real denial rates, particularly in the government loan channel.
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主题 | Finance ; Housing and Housing Finance ; Income and Wealth ; Race and Ethnicity |
URL | https://www.urban.org/research/publication/real-denial-rates |
来源智库 | Urban Institute (United States) |
资源类型 | 智库出版物 |
条目标识符 | http://119.78.100.153/handle/2XGU8XDN/480271 |
推荐引用方式 GB/T 7714 | Laurie Goodman,Bing Bai,Wei Li. Real Denial Rates. 2018. |
条目包含的文件 | ||||||
文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
real_denial_rates_2.(766KB) | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 |
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