G2TT
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.
主题Finance ; Housing and Housing Finance ; Income and Wealth ; Race and Ethnicity
URLhttps://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.
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