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Mortgage Broker Regulations that Matter : Analyzing Earnings, Employment, and Outcomes for Consumers
Kleiner, Morris M. - 2007
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 …
Persistent link: https://www.econbiz.de/10012775475
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Securitization and the Declining Impact of Bank Finance on Loan Supply : Evidence from Mortgage Acceptance Rates
Loutskina, Elena - 2009
the mortgage secondary market fostered by securitization has reduced the impact of local funding shocks on credit supply …
Persistent link: https://www.econbiz.de/10012767441
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Forbearance by Contract : How Building and Loans Mitigated the Mortgage Crisis of the 1930s
Fleitas, Sebastián - 2015
During the Great Depression, Building and Loans (B&Ls), the leading home lenders, had a structure that mitigated the crisis. Borrowers were owners of the B&L and dissolution of the institution required a two-thirds majority vote. Using panel data from New Jersey in the 1930s, we find that this...
Persistent link: https://www.econbiz.de/10013010293
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Consumer-Lending Discrimination in the Fintech Era
Bartlett, Robert P. - 2019
mortgage credit risk by Fannie Mae and Freddie Mac. We find that lenders charge Latinx/African-American borrowers 7.9 and 3 …
Persistent link: https://www.econbiz.de/10012858947
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Why Don't Lenders Renegotiate More Home Mortgages? Redefaults, Self-Cures and Securitization
Adelino, Manuel - 2015
We document the fact that servicers have been reluctant to renegotiate mortgages since the foreclosure crisis started in 2007, having performed payment reducing modifications on only about 3 percent of seriously delinquent loans. We show that this reluctance does not result from securization:...
Persistent link: https://www.econbiz.de/10013039412
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Loan Product Steering in Mortgage Markets
Agarwal, Sumit - 2016
mortgage products. We identify this activity by comparing borrowers who were rejected by lenders but were subsequently approved …
Persistent link: https://www.econbiz.de/10012982022
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Aggregate and Distributional Impacts of Ltv Policy : Evidence from China's Micro Data
Chen, Kaiji; Wang, Qing; Xu, Tong; Zha, Tao A. - 2022
-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 …
Persistent link: https://www.econbiz.de/10014090767
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Global Retail Lending in the Aftermath of the Us Financial Crisis : Distinguishing between Supply and Demand Effects
Puri, Manju - 2011
nonaffected banks. This result is particularly strong for smaller and more liquidity-constrained banks as well as for mortgage as …
Persistent link: https://www.econbiz.de/10013126215
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The Aggregate Productivity Effects of Internal Migration : Evidence from Indonesia
Bryan, Gharad - 2017
We estimate the aggregate productivity gains from reducing barriers to internal labor migration in Indonesia, accounting for worker selection and spatial differences in human capital. We distinguish between movement costs, which mean workers will only move if they expect higher wages, and...
Persistent link: https://www.econbiz.de/10012953508
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Geographic Barriers to Commodity Price Integration : Evidence from Us Cities and Swedish Towns, 1732-1860
Crucini, Mario J. - 2015
We study the role of distance and time in statistically explaining price dispersion for 14 commodities from 1732 to 1860. The prices are reported for US cities and Swedish market towns, so we can compare international and intranational dispersion. Distance and commodity-specific fixed effects...
Persistent link: https://www.econbiz.de/10013033353