We evaluate the effects of the lending institution and soft information on mortgage loan performance for low‐income homebuyers. We find that even after controlling for the propensity of a borrower to get a loan from a local bank based on observable characteristics, those who receive a loan...

Originating lenders play a vital role in selecting and preparing borrowers for homeownership, directly and through partnerships with community entities. While previous research demonstrates the importance of originating lenders for mortgage access to low- and moderate-income borrowers, this...

Program participation is a necessary but not sufficient condition for the success of housing policies such as mortgage assistance for distressed homeowners. Low rates of take-up of available assistance among eligible homeowners have hampered the potential success of programs such as the U.S....

A great deal of public service motivation (PSM) research has focused on understanding different types of PSM to describe public sector employees, including Samaritans, communitarians, patriots, and humanitarians. This research investigates different types of PSM for private sector individuals...

Information-seeking behavior is one of the most enduring subjects in the marketing and agribusiness literature. Based on a mail survey of 3,000 randomly selected farmers in Ohio, this study contributes empirical evidence about differences in farmers' information strategies regarding type,...

The present study combines insights from social psychology and economics by examining the role of savings habits in regular saving. As frequently practiced, automatic, and goal-facilitated behaviors, savings habits play a critical role in everyday financial decisions. Using the Self-Report Habit...

Is it necessary for the U.S. Cooperative Extension Service system to maintain an extension office in every county? Using stated choice data from a conjoint analysis experimental design, we examine the tradeoffs that farmers are willing to make when choosing between local offices based on...

Information-seeking behavior is one of the most enduring subjects in the marketing and agribusiness literature. Based on a mail survey of 3,000 randomly selected farmers in Ohio, this study contributes empirical evidence about differences in farmers' information strategies regarding type,...

Few will disagree that information search is essential in making investment decisions, a high-consequence decision task. Yet, the sources of investor information have never been used as a segmentation base to study investment behavior. We analyze survey results of investors in the US using...