And additionally incorporated are top-step one (individual) controls said before and an amount-2 handle having people credit history
Compositional figure, mortgage origination, race/ethnic intersections
Model step one regarding Dining table cuatro profile hierarchical linear acting estimates off brand new inequalities currently highlighted, but now that have baseline outcomes of society racial/cultural structure and you may area competition/ethnic alter. Modeling such as this assists to change getting clustering outcomes and you can recognizes the new constant and you will latest pertinence away from racial/cultural segregation across the You.S. Model dos takes the fresh new analyses a step further and you may reports cut interactional modeling between compositional signs together with competition/ethnicity regarding individuals.
Table cuatro. Hierarchical linear acting prices (standard deviations) of mortgage origination by neighborhood racial/cultural structure, compositional change, and individual applicant properties (Model step 1), and you may trimmed communication acting (Design dos) off candidate competition and you may constitution/compositional change, 2004 and you can 2010.