The Impact of Minority Representation at Mortgage Lenders
with Scott Frame, Ruidi Huang, Erica Jiang, Yeonjoon Lee, Erik Mayer, and Adi Sunderam

• Journal of Finance, 2025
• This paper combines the working papers “Reducing Racial Disparities in Consumer Credit: The Role of Minority Loan Officers in the Era of Algorithmic Underwriting” by Jiang, Lee, and Liu and “The Impact of Minority Representation at Mortgage Lenders” by Frame, Huang, Mayer, and Sunderam.
• Link to the working paper version [SSRN]
• Featured in the All About Finance Blog at the World Bank