Research Report Measuring Mortgage Credit Accessibility
Wei Li, Laurie Goodman, Ellen Seidman, Jim Parrott, Jun Zhu, Bing Bai
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This paper provides a method of measuring credit accessibility that addresses several shortcomings of traditional methods. Credit accessibility is measured by calculating the demand-to-origination progression rate for low-credit-profile consumers. Using this improved measure, we explore several issues critical to credit accessibility including differences among demographic groups, changes over time and credit cycles, and the impact of government support for the single-family owner-occupied mortgage market.
Research Areas Housing finance
Policy Centers Housing Finance Policy Center