Cross-Lender Variation in Home Mortgage Lending
评估利用《住房抵押贷款披露法》数据量化公平借贷指标用于执法的可行性，发现少数族裔和低收入贷款发放的跨机构差异主要源于申请率而非批准率，且大部分行为差异无法用申请人特征或市场差异解释。
An evaluation of the feasibility of using Home Mortgage Disclosure Act (HMDA) data to form quantitative measures of fair lending for use in enforcement. The authors find that cross-lender differences in minority and low-income originations primarily reflect differences in application rates, not in approval rates, and that most of the variation in lender behavior cannot be attributed to variance in applicant characteristics reported in the HMDA data or to differences in the geographic markets served by the lenders.