Marsha Courchane, Leonard Kiefer, Peter Zorn
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November 12, 2013
HBTL-11: Responses to the mortgage market crisis of the past decade led to myriad changes in the structure of the industry, expanded market regulations, and resulted in…
MF10-3: The recent tumult experienced by residential mortgage markets in the United States has left many struggling to determine what caused the crisis; what can be done…
W07-6: In recent years, the home remodeling market in the United States has enjoyed solid growth. Spending on residential improvements and repairs has climbed steadily,…
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…
This paper describes the process for developing the Leading Indicator of Remodeling Activity (LIRA), designed to estimate quarterly current and future home improvement…
W05-10: Over the last decade, the home remodeling market in the United States has enjoyed solid growth. Spending on residential improvements and repairs has climbed…
Susan Wharton Gates, Cindy Waldron, Peter Zorn
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February 13, 2004
BABC 04-13: Automated underwriting (AU) systems have become a tool of choice in mortgage lending decisions. While AU provides significant benefits to mortgage…
This paper analyses the performance of low-income and minority loans (LIMLs) from a large sample of fixed-rate mortgages purchased by Freddie Mac in the 1990s. Our focus is…
For the past three decades homeownership counseling has been an integral part of affordable lending in the United States. Myriad benefits have been attributed to these…