In housing and mortgage markets, the increasing ubiquity of digitalization – emerging technologies that include AI, machine learning, and other types of informational…
Decreasing federal resources since the 1980s, policy devolution to the local level, and expansion of market-based approaches for affordable housing delivery have resulted in…
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…