Significant indicators of mortgage borrowers in the practice of US credit organizations (on the example of the California banking sector)

The article considers the main stages of the formation and development of the American two-tier system of mortgage lending, considers and summarizes statistical data on the characteristics of mortgage loans of borrowers and from borrowers and the size of mortgage loans in the state of California, USA for the selected time interval of 2020. The factors influencing the mortgage sub-portfolio are selected bank, including the size of loans within the framework of the constructed econometric model. The model showed significance and interpretability: for most of the included factors, conclusions were made that correspond to the real situation in the US mortgage lending sector, and a causal relationship was established between the resulting and factor signs.