Zhang, David Hao; Willen, Paul - National Bureau of Economic Research - 2021
Motivated by the assessment of racial discrimination in mortgage pricing, we introduce a new methodology for comparing …. Fourth, we use our methodology to estimate mortgage pricing differentials by race on a novel data set linking 2018--2019 Home … Mortgage Disclosure Act (HMDA) data to Optimal Blue rate locks. We find robust evidence for mortgage pricing differentials by …