Racial Disparities in Conforming Mortgage Lending: A Comparative Study of Fintech and Traditional Lenders Under Regulatory Oversight
This study examines racial and ethnic disparities in mortgage-lending outcomes across different lender types—large banks, fintech lenders, non-bank lenders, small banks, and credit unions—using Home Mortgage Disclosure Act (HMDA) data from 2018 to 2023. By analyzing approval rates, rate spreads, and...
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| Main Authors: | , |
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| Format: | Article |
| Language: | English |
| Published: |
MDPI AG
2025-02-01
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| Series: | FinTech |
| Subjects: | |
| Online Access: | https://www.mdpi.com/2674-1032/4/1/8 |
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