mortgage performance by property type, we find that the delinquency rate of commercial mortgages increases by approximately 3 …

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 …

Why did the mortgage market prosper in 2020 and 2021 during a period of extreme economic uncertainty? We find that … and policies to stabilize mortgage intermediaries, played a significant role in supporting the mortgage and housing … highlights the potential benefits of alternative mortgage designs that allow rates on existing mortgages to fall automatically …