To understand the effects of regulation on mortgage risk, it is instructive to track the history of regulatory changes …-changing regulation impacted mortgage lending and risk. We use cross-sectional differences in the time- series variation of delinquency … rates, conditional on initial interest rates, to detect the effects of regulation on mortgage delinquencies …

We show that a significant number of households can perform a tax arbitrage by cutting back on their additional … mortgage payments and increasing their contributions to tax-deferred accounts (TDA). Using data from the Survey of Consumer … Finances, we show that about 38% of U.S. households that are accelerating their mortgage payments instead of saving in tax …

This paper assesses the probable impact on S&Ls' profitability and participation in mortgage markets of The Depository …&L mortgage holdings between 1965 and 1979 and argues(contrary to conventional wisdom) that deposit-rate ceilings proved no more … and state restrictions on S&L loan opportunities and on mortgage lenders' ability to design and to price mortgage …

The U.S. mortgage market has experienced phenomenal change over the last 35 years. This paper develops and implements a … technique for assessing the impact of changes in the mortgage market on households. Our framework, which is based on the …

Mortgage cramdown enabled bankruptcy judges to discharge the underwater portion of a mortgage during Chapter 13 …

We propose a rich model of household behavior to study the effect of two important policies: mortgage interest tax … deduction and mandatory mortgage amortization. These policies have attracted some controversy, first because they are conceived …

conclude that the HOLC's redlining maps had little effect on the geographic distribution of either program's mortgage market …

Motivated by the assessment of racial discrimination in mortgage pricing, we introduce a new methodology for comparing …. Fourth, we use our methodology to estimate mortgage pricing differentials by race on a novel data set linking 2018--2019 Home … Mortgage Disclosure Act (HMDA) data to Optimal Blue rate locks. We find robust evidence for mortgage pricing differentials by …