| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w30125 |
| 来源ID | Working Paper 30125 |
| The Impact of Minority Representation at Mortgage Lenders | |
| W. Scott Frame; Ruidi Huang; Erik J. Mayer; Adi Sunderam | |
| 发表日期 | 2022-06-13 |
| 出版年 | 2022 |
| 语种 | 英语 |
| 摘要 | We study links between the labor market for loan officers and access to mortgage credit. Using novel data matching the (near) universe of mortgage applications to loan officers, we find that minorities are significantly underrepresented among loan officers. Minority borrowers are less likely to complete mortgage applications, have completed applications approved, and to ultimately take-up a loan. These disparities are significantly reduced when minority borrowers work with minority loan officers. Minority borrowers working with minority loan officers also have lower default rates. Our results suggest that minority underrepresentation among loan officers has adverse effects on minority borrowers’ access to credit. |
| 主题 | Financial Economics ; Financial Institutions ; Labor Economics ; Demography and Aging |
| URL | https://www.nber.org/papers/w30125 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/587797 |
| 推荐引用方式 GB/T 7714 | W. Scott Frame,Ruidi Huang,Erik J. Mayer,et al. The Impact of Minority Representation at Mortgage Lenders. 2022. |
| 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 | ||
| w30125.pdf（925KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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