Review and Preliminary Mortgage Analysis

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Michael Kane

Assistant Professor, Yale University

Overview of the chapter

Compare proportions of people receiving mortgages
Missingness in the data
Changes in
- Mortgage demographic proportions over time
- City vs rural mortgages
- Proportion of people securing federally guaranteed loans

Category	Percentage
American Indian or Alaska Native	0.9
Asian	4.8
Black or African American	12.6
Native Hawaiian or Other Pacific Islander	0.2
Two or more races (Not included)	2.9
Other race (Not included)	6.2
Hispanic or Latino ethnicity	16.3

Note: Hispanic or Latino is a designated ethnicity

We know that most mortgages went to people who identify as white.

Is this group borrowing more proportionally?

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