Women have a harder time than men securing a home mortgage and often pay higher interest rates. Yet, women repay their mortgages more reliably than men do, notes a recent study by the Urban Institute, a think tank in Washington . While it is unclear if a gender bias is responsible, at the very least the repayment predictors’ models that lenders use are flawed, says Jun Zhu, one of the study’s authors. She and  Guy Cecala, CEO of Inside Mortgage Finance Publications, discussed the issue on  the Knowledge at Wharton show on Wharton Business Radio on SiriusXM channel 111 .    An edited transcript of the conversation follows: Knowledge at Wharton: Why is it that women are seemingly better at paying off mortgages? Jun Zhu: We don’t know right now. People will hopefully start looking at why [that is the case] now, because we know that there is definitely a difference. Knowledge at Wharton: How does that occur? Zhu: This is what we find.…