In this paper, Marsha Courchane and Leonard C. Kiefer and Peter M. Zorn of Freddie Mac, explore whether modern automated underwriting systems (AUS) can be used to extend credit to borrowers responsibly, with a particular focus on target populations that include minorities and those with low‐ and moderate incomes. To read the paper, click the link below.
The mortgage market in 2024: Highlights from the data reported under the Home Mortgage Disclosure Act
The information collected and reported under HMDA covers each mortgage application submitted to and mortgages purchased by the reporting institution and is...