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…
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…
RR07-12: The strengths and weaknesses of nonprofit organizations in developing and owning subsidized rental housing are examined. In the course of this study, a number…
Alexander von Hoffman, Eric Belsky, James DeNormandie, Rachel G. Bratt
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June 1, 2004
W04-5: This paper was prepared to provide background information for a conference sponsored by the Neighborhood Reinvestment Corporation entitled The Vitality of America…
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…
W02-8: In October 1996, at nearly the mid-point of President Bill Clinton’s term in office, a lead article in The New York Times Magazine heralded: “The Year That…
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…