Federal Housing Administration (FHA) mortgage insurance program. The suits led to more than $5 billion in settlements and … exit has significantly reduced low-income households' overall access to mortgage credit. …

We study the relationship between the labor market for loan officers and access to credit in the residential mortgage … market. Using novel data matching the (near) universe of mortgage applications to loan officers, we find that minorities are … significantly underrepresented among mortgage loan officers. Minority borrowers are less likely to complete mortgage applications …

mortgage finance. We describe the special features of these two companies and their roles in the mortgage markets. We then …

market: 1) the expansion of Federal Home Loan Bank mortgage purchase programs, and 2) the adoption of revised risk …This paper examines two major forces that may soon increase competition in the U.S. secondary conforming mortgage …

This paper examines the role of the Federal Home Loan Bank (FHLB) System in the U.S. housing finance system. This …

research for the U.S. home mortgage market suggests that securitization itself may not have been a problem, but rather the …