: Significant papers like those from Atif Mian and Amir Sufi look into how credit expanded in subprime ZIP codes relative to prime ones between 2002 and 2005, contributing to the Global Financial Crisis . Suggested Paper Structure
: Researchers often categorize neighborhoods by their subprime population share . ZIP codes where a high percentage of residents have credit scores below 620–700 are labeled "subprime," while those above are "prime" ZIP codes .
Which of these directions— or mortgage credit analysis —best aligns with your research goals?
