mortgage equity withdrawal (MEW) loan products were denied. Black and Hispanic homeowners' applications were denied at even … with purchase and rate/term refinance mortgage applications. Controlling for loan and borrower characteristics commonly …

An expansion in mortgage credit to subprime borrowers is widely believed to have been a principal driver of the 2002 … purchase mortgages to subprime borrowers. We also document that the expansion in speculative mortgage products and underwriting …

defaulters have both negative equity and enough liquid or illiquid assets to make one month's mortgage payment. This finding …

mortgage contract designs that more directly pass through interest rate declines to borrowers can reduce racial mortgage …

Federal Housing Administration (FHA) mortgage insurance program. The suits led to more than $5 billion in settlements and … caused targeted banks and their peers to precipitously exit the FHA market. Difference-in-differences and triple differences … exit has significantly reduced low-income households' overall access to mortgage credit. …

, we estimate the distributions of real estate agents' fixed effects in both hedonic and time-on-the-market models. We find … fixed effects from our model of time-on-the-market is 17-25 days. We do not find a significant trade-off between price and …

, we estimate the distributions of real estate agents' fixed effects in both hedonic and time-on-the-market models. We find … fixed effects from our model of time-on-the-market is 17-25 days. We do not find a significant trade-off between price and …