Liu, Zilong; Liang, Hongyan - In: FinTech 4 (2025) 1, pp. 1-23
This study examines racial and ethnic disparities in mortgage-lending outcomes across different lender types-large banks, fintech lenders, non-bank lenders, small banks, and credit unions-using Home Mortgage Disclosure Act (HMDA) data from 2018 to 2023. By analyzing approval rates, rate spreads,...