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Ess Media, LLC 2011 Abstract Using 2005 Home Mortgage Disclosure Act data, this study explores problematic mortgage application behaviors including submitting incomplete paperwork when seeking a mortgage, withdrawing a loan application before the lender makes a credit decision, rejecting a lender approved loan offer and accepting a high interest rate loan. Tract-level college completion rates, homeownership rates, and household age, as well as race, ethnicity, and income are all associated with.

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