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To own a critical remark, select Squires (2005) Such as for example, a great 2005 Given statement claims you to handling getting borrowing-related items perhaps not found in the HMDA [Home mortgage Revelation Work] study, such as credit history results and you may loan-to-well worth ratios, might then lose unexplained racial otherwise ethnic differences 4. … To own a critical remark, select Squires (2005)