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…
Roberto Quercia, Michael Stegman, Walter Davis, Eric Stein
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October 1, 2001
The 1977 Community Reinvestment Act (CRA) was enacted to encourage banking institutions to meet the credit needs of their entire communities. In response, lenders have…
Kimberly Vermeer, Josephine Louie
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January 1, 1997
In the 1930s and 1940s, mobile homes were viewed as recreational housing and were indeed highly mobile. The original intention of manufacturers was to provide temporary,…