Marsha Courchane, Leonard Kiefer, Peter Zorn
•
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…
Michael Barr, Sendhil Mullainathan, Eldar Shafir
•
April 1, 2008
UCC08-12: Choosing a mortgage is one of the biggest financial decisions an American consumer will make. Yet it can be a complicated one, especially in today’s…
Susan Wharton Gates, Cindy Waldron, Peter Zorn
•
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…
W00-2: The Mexican mortgage market experienced significant turbulence in the 1990s allowing a newly created financial intermediary, the Sociedades Financieras de Objeto…
W00-3: The Mexican government has struggled to curtail growth of bad bank loans since the currency devaluation of December1994. This paper examines borrower choice to…
This report is modeled after TheState of the Nation's Housing reports produced by the Joint Center for Housing Studies since the early 1980s. These reports provide a…
