Digitalization alone is not the driving force behind the changes in housing and real estate. The driving force is innovation brought to the sector by the fresh approach of…
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…