Although the selection criteria are being met for most of the items, the non-response rates are a big concern. If there is no improvement to the payment information, and people are less likely to respond to the questions, then valuable data are being lost. One important example is the increase in the item nonresponse rate for property taxes (see discussion in section 5.4). Although it would be desirable to obtain specific information on mobile home installment loans, the ultimate goal for the mortgage battery is the collection of accurate information on owner costs for all types of properties.
For the mortgage questions:
Based on the empirical results, per the selection criteria, the test version offers no improvement over the control version in terms of data quality.