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The Vulnerability of Minority Homeowners in the Housing Boom and Bust

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Academic year: 2021

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Figure 1. Unconditional Rates of Mortgage Foreclosures and Delinquencies by Race and Year notes: The figure presents the mean number of 90-day to 180-day mortgage delinquencies and the mean number  of foreclosures within the last 12 months by group for eac
Table 1 illustrates the impact of our match process on the sample mean on race  and ethnicity of the borrower, whether the primary mortgage is a high-cost loan or  rate-spread loan, which is defined as a 3 percentage point or more spread between  the mortg
Figure 2. Black and Hispanic Probability of Foreclosure Relative to Whites by Calendar Year,   Home Purchase, and Refinance Samples
Figure 3. Black and Hispanic Probability of Foreclosure Relative to Whites by Loan Origination Year,  Home Purchase, and Refinance Samples
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