W13-10: The Las Vegas case study focused on four zip codes in the Las Vegas Metropolitan Area representing low to middle-level housing market subareas (the lower three…
MF10-7: This year marks the thirty-fifth anniversary of the Home Mortgage Disclosure Act (HMDA), a law designed to discourage redlining in mortgage lending and to…
Parag Pathak, John Campbell, Stefano Giglio
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May 1, 2009
W09-4: This paper uses data on house transactions in the state of Massachusetts over the last 20 years to show that houses sold after foreclosure, or close in time to…
UCC08-1: Americans are no stranger to debt. In 2004, 76.4 percent of all households reported some form of borrowing. Fully 46.2 percent of all households had at least…
William Apgar, Amal Bendimerad, Ren Essene
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April 25, 2007
For decades “fair lending” issues have received attention in both public policy arenas and the popular press, but the release of 2004 Home Mortgage Disclosure Act (HMDA) data…
Over the last two decades, the rise of risk based pricing, the growing importance of the secondary mortgage market, and the emergence of mortgage brokers in the marketing and…
RR07-15: There are 18 million units in one to four unit rental housing properties in the United States, making up half of the nation’s rental housing stock, yet this…