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Bank capital requirements are based on a mix of market values and book values. We investigate the effects of a policy change that ties regulatory capital to the market value of the "available-for-sale" investment securities portfolio for some banking organizations. Our analysis is based on...
Persistent link: https://www.econbiz.de/10011868435
evidence that CFPB oversight significantly reduces the overall volume of mortgage lending. However, we find some evidence of …
Persistent link: https://www.econbiz.de/10011868541
Technology-based ("FinTech") lenders increased their market share of U.S. mortgage lending from 2 percent to 8 percent … from 2010 to 2016. Using market-wide, loan-level data on U.S. mortgage applications and originations, we show that FinTech … lenders process mortgage applications about 20 percent faster than other lenders, even when controlling for detailed loan …
Persistent link: https://www.econbiz.de/10011795430
We study the evolution of US mortgage credit supply during the COVID-19 pandemic. Although the mortgage market …
Persistent link: https://www.econbiz.de/10012581406
We study the evolution of US mortgage credit supply during the COVID-19 pandemic. Although the mortgage market … guarantees and loans to the riskiest borrowers. Mortgage-backed securities purchases by the Federal Reserve also supported the …
Persistent link: https://www.econbiz.de/10012593674
We study the evolution of US mortgage credit supply during the COVID-19 pandemic. Although the mortgage market … guarantees and loans to the riskiest borrowers. Mortgage backed securities purchases by the Federal Reserve also supported the …
Persistent link: https://www.econbiz.de/10014048680
We document wide dispersion in the mortgage rates that households pay on identical loans, and show that borrowers … percentile mortgage rate that borrowers with the same characteristics obtain for identical loans, in the same market, on the same … direct evidence that financial knowledge and shopping both affect the mortgage rates borrowers get, and that shopping …
Persistent link: https://www.econbiz.de/10014048780
The U.S. mortgage market links homeowners with savers all over the world. In this paper, we ask how much of the flow of … mortgage servicing costs and an increased legal and regulatory burden. Taken together, the sensitivity to volume and the …
Persistent link: https://www.econbiz.de/10012965108
We study the evolution of US mortgage credit supply during the COVID-19 pandemic. Although the mortgage market … guarantees and loans to the riskiest borrowers. Mortgage-backed securities purchases by the Federal Reserve also supported the …
Persistent link: https://www.econbiz.de/10013219042
We study the evolution of US mortgage credit supply during the COVID-19 pandemic. Although the mortgage market … guarantees and loans to the riskiest borrowers. Mortgage-backed securities purchases by the Federal Reserve also supported the …
Persistent link: https://www.econbiz.de/10014025959