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 …

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

The extension of the subprime mortgage crisis to a global financial meltdown led to calls for fundamental reregulation … ; subprime crisis ; mortgage affiliate regulation …

on default rates at state level in the US mortgage market. Using panel data techniques, we find a statistically …

-changing regulation impacted mortgage lending and risk. Our paper uses changes in regulatory treatment discontinuities associated with …

context of the current debates about re-engineering the mortgage markets in the wake of the 2008 financial crisis. In … particular, the Article is the first scholarly work to introduce the concept of “smart mortgages” - loans and mortgage securities … with more rich and dynamically updated information than traditional mortgage products. The Article considers recent …

This study investigates whether mortgage financing regulation unintentionally leads to minorities paying a higher loan …

I develop a structural model of mortgage demand and lender competition to study how leverage regulation affects the … equilibrium in the UK mortgage market. Using variation in risk-weighted capital requirements across lenders and across mortgages … increases the interest rate by 10 percent for the average mortgage product. The estimated model implies that heterogeneous …

The federal mortgage policy, the conforming loan limit (CLL), was spatially uniform before the recent financial crisis … applications, exogenously increasing jumbo-lending competition differently across regions. I find that in areas with larger jumbo … declines, lenders raise jumbo loan approval rates, extend credit to riskier borrowers, lower mortgage rates to defend short …