In housing and mortgage markets, the increasing ubiquity of digitalization – emerging technologies that include AI, machine learning, and other types of informational…
W09-2: Real estate owned (REO) housing resulting from the recent foreclosure crisis threatens to destabilize low- and moderate-income neighborhoods across the country.…
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…