The Mortgage Borrower Who Can’t Fail and the One Who Can’t Win

Manu García and Carlos Garriga

On the Economy from Federal Reserve Bank of St. Louis

Abstract: Why do first-time buyers face higher mortgage denial rates than those buying a second house? This analysis examines the structural market forces that shape access to credit.

Keywords: homebuyers; mortgage denials; access to credit (search for similar items in EconPapers)
Date: 2026-06-23
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Persistent link: https://EconPapers.repec.org/RePEc:fip:l00001:103424

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