Digitalization—the strategic use of technologies that collect, create, process, organize, analyze, use, and monetize data—is changing the ways that housing is produced,…
Donald Taylor-Patterson, David Luberoff
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March 22, 2018
How do the notoriously complicated funding and approval processes for affordable housing shape the design of those projects? In particular, are the funding and approval…
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…
UCC08-2: In The End of Poverty, Jeffrey Sachs describes the poor as “… ready to act, both individually and collectively … hard working … [and having] a very…
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…