The Age Gap in Mortgage Access

The author thanks Bob Hunt, Xudong An, Hajime Hadeishi, Westra Miller, Ken Benton, Sebastian Doerr, Igor Livshits, Keyoung Lee, Siddhartha Biswas, Kaushik Vasudevan, Kevin Zhao, Lauren Lambie-Hanson, Ken Brevoort, Micah Spector, Kenneth Crenshaw, Jeanne Rentezelas, John Terruso, John Wackes, Yoshi Shimizu, and Stephen Ross for helpful comments and discussions. The author also thank participants at the National Bureau of Economic Research Summer Institute Household Finance 2023 for their questions and suggestions. The views expressed in this paper are solely those of the author and do not necessarily reflect the views of the Federal Reserve Bank of Philadelphia, the Federal Reserve Board, or the Federal Reserve System. Any errors or omissions are the responsibility of the author. No statements here should be treated as legal or investment advice.