NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH
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What Drives Racial and Ethnic Differences in High Cost Mortgages? The Role of High Risk Lenders

Patrick Bayer, Fernando Ferreira, Stephen L. Ross

NBER Working Paper No. 22004
Issued in February 2016

---- Acknowledgments ----

The analysis presented in this NBER Working Paper substantially extends that reported in our earlier NBER WP #20762, “Race, Ethnicity and High-Cost Mortgage Lending,” which should be considered superseded by this paper. Gordon MacDonald, Kyle Mangum, Yuan Wang and Ailing Zhang provided outstanding research assistance. The analyses presented in this paper uses information provided by a major credit repository. However, the substantive content of the paper is the responsibility of the authors and does not reflects the specific views of any credit reporting agencies. This work was supported by Ford Foundation, Research Sponsors Program of the Zell/Lurie Real Estate Center at Wharton, and the Center for Real Estate and Urban Economic Studies at the University of Connecticut for financial support. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

---- Disclosure of Financial Relationships for Stephen L. Ross ----

Ross gratefully acknowledges funding from the National Institute for Child Health and Development, the MacArthur Foundation, the Ford Foundation. Ross has also worked recently as a consultant for the Urban Institute and for K&L Gates LLP.

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