In housing and mortgage markets, the increasing ubiquity of digitalization – emerging technologies that include AI, machine learning, and other types of informational…
BABC 04-12: Credit scoring has helped to produce a robust credit environment and increase access to homeownership for millions of consumers. This paper examines the role…
BABC 04-7: Little systematic work exists to address the many and varied ways some borrowers end up with subprime mortgages and to what extent those loans serve the true…