Market share of conforming-size, home purchase mortgage originations has steadily and substantially shifted from … Community Reinvestment Act (CRA) is becoming less relevant to mortgage lending, since only they are subject to the requirements … of the CRA? We address this question by exploring the changing composition of home purchase mortgage originations since …

We study the evolution of US mortgage credit supply during the COVID-19 pandemic. Although the mortgage market …

Home appraisals are produced for millions of residential mortgage transactions each year, but appraised values are … institutional framework that governs mortgage lending lead to information loss in appraisals (that is, appraisals set equal to the … incidence of mortgage default at loan-to-value boundaries (notches) above which mortgage insurance rates increase. Appraisals …

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 …

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 …