Atlanta Fed Working Papers

The Research Department of the Federal Reserve Bank of Atlanta publishes a working paper series to convey the research of staff economists and visiting scholars and stimulate professional discussion and exploration of economic and financial subjects.


Racial Disparities in Mortgage Lending: New Evidence Based on Processing Time

Bin Wei and Feng Zhao
Working Paper 2022-1
January 2022
Examining racial disparities in mortgage processing time prior to the global financial crisis, the authors find that Black borrowers are underrepresented and experience a longer processing time than White borrowers among the mortgages securitized by government-sponsored enterprises.

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