This paper reflects upon the panel “How Is Digitalization Changing the Ways Housing Is Designed and Built?” held at the March 2022 symposium Bringing Digitalization Home.…
BABC 04-23: Mortgage lenders have long used credit scores as a basis for estimating borrower risk. This risk differentiation is reflected in the coupon rate of the loan…
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…