I just realized that there's a powerful analogy in your research to the old practice of redlining neighborhoods, and it makes me worried. Where that federal policy had explicit discriminatory aims, it was generally limited to discrete geographic areas within older cities. The current regime of lending constraints is like a redline around swathes of lower credit scores and lower income levels. Federal policy has effectively made a discriminatory practice of homeownership denial portable, although your data analysis tends to manifest in historically lower income zip codes. As a practical matter it would be easier to correct the problems you've identified, but it could be a tough fight with the generation that still has a skewed memory of the "housing bubble."
I just realized that there's a powerful analogy in your research to the old practice of redlining neighborhoods, and it makes me worried. Where that federal policy had explicit discriminatory aims, it was generally limited to discrete geographic areas within older cities. The current regime of lending constraints is like a redline around swathes of lower credit scores and lower income levels. Federal policy has effectively made a discriminatory practice of homeownership denial portable, although your data analysis tends to manifest in historically lower income zip codes. As a practical matter it would be easier to correct the problems you've identified, but it could be a tough fight with the generation that still has a skewed memory of the "housing bubble."
An old post that "awakened your call"!
https://thefaintofheart.wordpress.com/2012/10/27/the-housing-boom-financial-crisis-the-great-recession-3/