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Federal Reserve Bank of Philadelphia Consumer Finance Institute: 'Constructing Applicants From Loan-Level Data: A Case Study of Mortgage Applications'
March 29, 2025
PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a working paper in Feb. 2025 by Hadi Elzayn, Simon Freyaldenhoven and Minchul Shin entitled "Constructing Applicants from Loan-Level Data: A Case Study of Mortgage Applications."

This Philadelphia Fed working paper introduces a new algorithm designed to identify loan applicants who submit multiple applications, known as "cross-applicants," wit . . .

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