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

We characterize the large number of mortgage offers for which people qualify in the United Kingdom. Very few pick the … dispersion in the mortgage menu is consistent with banks price discriminating for borrowers who might pick poorly, while …

-primary houses fueled the entire mortgage boom during 2014Q4-2016Q3. The mortgage expansion disproportionately increased the share of … mortgage markets. Our cross-city evidence provides empirical support for this channel …

As the role of mortgage brokers in mortgage origination grew from insignificant in the 1980s to dominant in recent … regulated the business, largely by creating and tightening occupational licensing requirements for mortgage brokers. The … question of whether increased occupational licensing of mortgage brokers improves consumer outcomes is theoretically ambiguous …

This paper shows that securitization reduces the influence of bank financial condition on loan supply. Low-cost funding … and increased balance-sheet liquidity raise bank willingness to approve mortgages that are hard to sell (jumbo mortgages … the mortgage secondary market fostered by securitization has reduced the impact of local funding shocks on credit supply …

mortgage products. We identify this activity by comparing borrowers who were rejected by lenders but were subsequently approved …

This paper studies how tightening monetary policy transmits to the economy through the mortgage market and sheds new …, regions with historically high DTI ratios exhibited greater reductions in mortgage originations, house prices, and consumption …