Susan Wharton Gates, Cindy Waldron, Peter Zorn
•
February 13, 2004
BABC 04-13: Automated underwriting (AU) systems have become a tool of choice in mortgage lending decisions. While AU provides significant benefits to mortgage…
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…
This paper analyses the performance of low-income and minority loans (LIMLs) from a large sample of fixed-rate mortgages purchased by Freddie Mac in the 1990s. Our focus is…