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- Wooldridge, J. M. (2003), âCluster-sample methods in applied econometricsâ, The American Economic Review 93(2), 133â138. 1995 2000 2005 2010 year Whites African Americans Hispanics Asians (a) Originations, log scale 1995 2000 2005 2010 year Whites African Americans Hispanics Asians (b) Originations, Normalized 1.822.22.42.62.8 1995 2000 2005 2010 year Whites African Americans Hispanics Asians (c) Median LTI Ratio 2.533.544.5 1995 2000 2005 2010 year Whites African Americans Hispanics Asians (d) 90th Percentile LTI Ratio .4.5.6.7.8 1995 2000 2005 2010 year Whites African Americans Hispanics Asians (e) Acceptance Rate .4.5.6.7.8 1995 2000 2005 2010 year Whites African Americans Hispanics Asians (f) Acceptance Rate for LTI above 3.5 LTI: Loan-to-income ratio. Source: Home Mortgage Disclosure Act data from 1995 to 2007. All racial groups are non-Hispanic members of those races. Hispanics are shown as a separate category.
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