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Credit risk, credit scoring, and the performance of home mortgages

Avery, Robert B.; Bostic, Raphael W.; Calem, Paul Seth; … - In: Federal reserve bulletin 82 (1996) 7, pp. 621-648

Persistent link: https://www.econbiz.de/10001202916

Tracking and stress-testing U.S. household leverage

Fuster, Andreas; Guttman-Kenney, Benedict; Haughwout, Andrew - 2016

Borrowers' housing equity is an important component of their wealth and a critical determinant of their vulnerability to shocks. In this paper, we create a unique data set that allows us to provide a comprehensive look at the ratio of housing debt to housing values - what we refer to as...

Persistent link: https://www.econbiz.de/10011523769

Borrower misreporting and loan performance

Garmaise, Mark J. - In: The journal of finance : the journal of the American … 70 (2015) 1, pp. 449-484

Persistent link: https://www.econbiz.de/10010501905

Villains or scapegoats? : the role of subprime borrowers in driving the U.S. housing boom

Conklin, James; Frame, W. Scott; Gerardi, Kristopher; … - 2020

Persistent link: https://www.econbiz.de/10012230641

Villains or scapegoats? : the role of subprime borrowers in driving the U.S. housing boom

Conklin, James; Frame, W. Scott; Gerardi, Kristopher; … - 2018

An expansion in mortgage credit to subprime borrowers is widely believed to have been a principal driver of the 2002 … purchase mortgages to subprime borrowers. We also document that the expansion in speculative mortgage products and underwriting …

Persistent link: https://www.econbiz.de/10011895606