The article looks at mortgage lending in 2012 using new data from the Home Mortgage Disclosure Act. They also compare borrowers' credit and payment performance based on income, minority status, and lender type. By analyzing credit records, they found that different racial and ethnic groups have varying loan performance, even with similar credit scores. Credit score recovery after mortgage delinquency takes over four years for all groups. Loans from 2006 under the Community Reinvestment Act had lower delinquency rates than other loans, contradicting the belief that the Act caused the mortgage crisis.