have higher mortgage delinquency and charge-off rates and significantly higher probabilities of failure during the last … stronger capital buffers. Our results suggest that there is scope for improved measures of mortgage loan risk that could be …

homeownership. In this paper we use property-level data to estimate the effect of government mortgage guarantees on homeownership … government guarantees, but find no robust effect on homeownership. This finding suggests that government guarantees could be … considerably reduced with modest effects on homeownership, which is relevant for housing finance reform plans that propose to …

We provide new evidence that credit supply shifts contributed to the U.S. subprime mortgage boom and bust. We collect … original data on both government and private mortgage insurance premiums from 1999-2016, and document that prior to 2008 …

We document that banks reduce supply of jumbo mortgage loans when policy uncertainty increases as measured by the …