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. …

U.S mortgage market. We assemble a loan-level dataset that covers the trajectory of mortgages from application to …

We characterize the large number of mortgage offers for which people qualify in the United Kingdom. Very few pick the … dispersion in the mortgage menu is consistent with banks price discriminating for borrowers who might pick poorly, while …

This paper studies how tightening monetary policy transmits to the economy through the mortgage market and sheds new …, regions with historically high DTI ratios exhibited greater reductions in mortgage originations, house prices, and consumption …

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

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 …

evidence that CFPB oversight significantly reduces the overall volume of mortgage lending. However, we find some evidence of …

2005 and competition among mortgage lenders. The mortgage lending business, especially with the rise of the originate …-to-distribute model, had competitors with very different non-mortgage activities and regulation. I show that in local markets, when banks … increased their share of mortgages relative to lenders such as mortgage brokers, home prices started increasing at a faster pace …

This paper uses a unique data set on more than 600,000 mortgage contracts to estimate a credit supply function which … are suggestive of considerable risk heterogeneity with riskier borrowers penalised more for borrowing more. -- mortgage …

The dynamic development of the mortgage market, especially in the period before the current financial crisis, revealed … that within the EU there are local mortgage credit markets and that it is necessary to harmonize the rules of the system … and consumer protection within the Community. The intention of the creators of the Mortgage Credit Directive was to …