Digitalization is transforming the mortgage market at every stage of the value chain. In this paper, we examine the potential for the mortgage industry to leverage…
HBTL-05: This paper discusses links among three familiar developments in US housing markets over the last quarter century: ongoing “sprawl” of housing units away from…
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…