The article presents an outline of the principles for granting reverse mortgage loans by banks and other credit … is not to offer a detailed analysis and assessment of the solutions adopted in the new Reverse Mortgage Act, but rather … lifetime annuities, which can in practice distort and subvert the purposes for which the Reverse Mortgage Act was adopted …

This paper examines the impact of bank consolidation on mortgage rates in order to evaluate the extent to which … mortgage markets are competitive. Mortgage markets are decentralized and so rates are determined through a search and … mortgage market is fairly competitive. However, a decomposition of the aggregate treatment effect reveals important …

negotiation process. The mortgage industry has many institutional features which suggest competitiveness: homogeneous contracts …

This paper examines the dynamics between mortgage broker competition, origination fees, and price transparency. A …, our empirical analysis shows that increased mortgage brokerage competition at the Metropolitan Statistical Area level … also provide evidence that broker competition reduces mortgage origination fees on retail (non-brokered) loans as well. In …

Mortgage servicers are re ... …

Financially constrained mortgage servicers destroyed substantial MBS investor value during the financial crisis through … aggressively pursued foreclosures and modifications at the expense of investors, borrowers, and future mortgage performance. IV …

mortgage credit risk by Fannie Mae and Freddie Mac. We find that lenders charge Latinx/African-American borrowers 7.9 and 3 …

Litigation against the largest subprime mortgage servicer in the US provides lessons about the appropriate regulation … of mortgage servicing and adds to research about the causes of the financial crisis. Mortgage servicing is essential to …

Following the 2008 financial crisis, mortgage credit tightened and banks lost significant mortgage market share to … similar to those of traditional lenders? Unlike in small business and unsecured consumers lending, fintech mortgage lenders do … not have the same incentives or flexibility to use alternative data for credit decisions because of stringent mortgage …

Pivotal litigation against the largest subprime mortgage servicer in the US provides lessons about the appropriate … regulation of mortgage servicing and adds to research about the causes of the financial crisis. Mortgage servicing is essential …