Appendix C: County peak maps to own “Time and energy to Save” getting 3% off
several Having fun with labels and you can details in order to design battle and you can ethnicity provides started utilized by anyone else like the Consumer Monetary Protection Agency, for-instance. Find
Appendix Good
Exhibit A1 plots the new annual private height ownership price out-of property with home financing otherwise financing playing with step 1-year Western Community Survey public-have fun with microdata (ACS PUMS), for Low-Hispanic Whites, Blacks, and Hispanics respectively eleven . As figure indicates, Black and you may Hispanic mortgage possession rates so you can 20 and 21 percent from inside the 2018, respectively. By 2018, the latest White-Grayscale-Latina financial possession gaps endured at more or less 17 fee circumstances and you will sixteen fee factors, correspondingly.
Appendix B: Research Description
I gotten de–identified consumer credit research from a single of your own around three major borrowing bureaus. The credit studies were age, certain credit ratings, and modeled tips of cash and complete financial obligation-to-earnings. （更多…）