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applicant's applicants for properties applicants in white applications from minorities applications from whites applications in minority base model Boarded-up rate coefficient on race correlated with race decision to require default probability denial equation denial rates denied PMI dummy variable economic Economic Rents estimates examined Fuhrer Geoffrey M.B. Tootell grouped errors heteroscedasticity Hispanic HMDA data important included income coapplicant indicator variable Joe Peek late mortgage payments linear probability models loan loan-to-value ratio logistic regressions Logit Linear Probability Mean number Mean value minorities whites minority applicants minority areas minority neighborhoods minority tracts monthly income applicant mortgage applications mortgage denial mortgage lending decision MTBM Munnell neighborhood characteristics obligation ratio omitted variable bias Peek and Eric personal characteristics private mortgage insurance probability of default racial composition regression rejection rates require PMI sample statistical discrimination statistically significant steering taste-based discrimination threshold Tract Characteristics tract level vacancy rates variables collected white and minority white tracts