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Working Papers

An Invitation to Collaborate on a National Zoning Atlas

Sara C. Bronin • September 7, 2023

This invited commentary for the 2022 Harvard Joint Center for Housing Studies symposium focuses on the need for better data about zoning. It offers insights into the state of…
Working Papers

Modularization Precedes Digitalization in Offsite Housing Delivery

Ivan Rupnik, Ryan E. Smith, Tyler Schmetterer • November 22, 2022

For much of the twentieth century, architects, builders, developers, economists, and policymakers have pursued the “dream of the factory-made house”. The hope was that the…
Working Papers

Mortgage Credit and the Evolution of Risk-Based Pricing

Frank Raiter, Francis Parisi • February 23, 2004

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…