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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

Behaviorally Informed Home Mortgage Credit Regulation

Michael Barr, Sendhil Mullainathan, Eldar Shafir • April 1, 2008

UCC08-12: Choosing a mortgage is one of the biggest financial decisions an American consumer will make. Yet it can be a complicated one, especially in today’s…
Working Papers

Performance of Low-Income and Minority Mortgages

Robert Van Order, Peter Zorn • October 10, 2001

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…