Very first, i model baseline racial/cultural inequalities inside the financing origination pre- (2004) and you will blog post-market meltdown (2010) using linear techniques
Our analyses go ahead in 2 tips. We tend to be an extra formula per period whereby other person functions (elizabeth.grams., gender, financing type, applicant money, and you may financing-to-income ratios, etcetera.) is actually delivered. Modeling in this manner highlights both standard racial/ethnic inequalities plus the studies that they’ve been partly taken into account of […]
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