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Predatory Lending Practices and Subprime Foreclosures : Distinguishing Impacts by Loan Category
Rose, Morgan J. - 2011
A recent dramatic rise in subprime foreclosures has led to calls for restrictions against a range of loan features loosely termed “predatory.” Several cities and states have enacted regulations to curb predatory practices, and some advocacy groups endorse action at the federal level. Using...
Persistent link: https://www.econbiz.de/10013122288
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Democratic political economy of financial regulation
Livshits, Igor; Park, Youngmin - 2021 - Last updated: November 26, 2021
young, low net-worth households are able to get a mortgage and buy a house, and current (old) home-owners benefit from the …
Persistent link: https://www.econbiz.de/10012670328
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Securitization, ratings, and credit supply
Daley, Brendan; Green, Brett; Vanasco, Victoria - 2017
We develop a framework to explore the effect of credit ratings on loan origination and securitization. In the model, banks privately screen and originate loans and then issue securities that are backed by loan cash flows. Issued securities are rated and sold to investors.Without ratings, banks...
Persistent link: https://www.econbiz.de/10011870296
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Government loan guarantees, market liquidity, and lending standards
Ahnert, Toni; Kuncl, Martin - 2022
-sponsored mortgage guarantees by Fannie Mae and Freddie Mac. …
Persistent link: https://www.econbiz.de/10013342211
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The Real Consequences of Bank Mortgage Lending Standards
Vojtech, Cindy M. - 2018
We examine the real effects of changes in bank mortgage loan underwriting standards by combining responses to the … Federal Reserve's Senior Loan Officer Opinion Survey, application information from the Home Mortgage Disclosure Act, and local … securitizing banks. In areas with more exposure to banks that have tightened standards, mortgage delinquency rates, house prices …
Persistent link: https://www.econbiz.de/10012936144
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Lender Heterogeneity in Home Mortgage Lending Evidence from Hmda Data in Context of the Covid-19 Pandemic
Bar, Michael; Kakar, Venoo - 2022
Studies on denial rates in mortgage lending do not adequately account for lender heterogeneity due to divergent … underwriting or regulatory practices. Using a sample of over two million home purchase mortgage applications from the Home Mortgage … counterfactual experiments to predict the denial rates of individual lenders if they evaluate all mortgage applications in the …
Persistent link: https://www.econbiz.de/10013294441
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How resilient is mortgage credit supply? : evidence from the COVID-19 pandemic
Fuster, Andreas; Hizmo, Aurel; Lambie-Hanson, Lauren; … - 2021 - This version: May 2021
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
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How resilient is mortgage credit supply? : evidence from the Covid-19 pandemic
Fuster, Andreas; Hizmo, Aurel; Lambie-Hanson, Lauren; … - 2021
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
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Does CFPB oversight crimp credit?
Fuster, Andreas; Plosser, Matthew; Vickery, James - 2018
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
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Do exposures to sagging real estate, subprime or conduits abroad lead to contraction and flight to quality in bank lending at home?
Ongena, Steven; Tümer-Alkan, Günseli; Westernhagen, … - 2015
We investigate how differential exposures by German banks to the US real estate market during the recent financial crisis affect their corporate lending in Germany. Using unique bank-level exposure data, we distinguish between three different types of bank exposures, i.e. direct exposure to the...
Persistent link: https://www.econbiz.de/10011280084