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Minorities face lower mortgage approval rates, and, if approved, higher interest rates. We find that lender's’ diversity policies reduce the interest rate gap, resulting in better interest rates for minority borrowers. However, these policies have an adverse effect on approval rates - decreasing approval rates for minority borrowers, and increasing approval-rate gaps. We present current results, and seek feedback on next steps for this research.
Lunch will be served prior to the session, beginning at 11:30am.
Please RSVP for lunch.