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Asymmetric Information and Subprime Mortgage Default

An, Xudong - 2015

, and its relationship with mortgage default. We find that lender effort to collect soft information is intertwined with …

Persistent link: https://www.econbiz.de/10013012127

Too Much Skin-in-the-Game? : The Effect of Mortgage Market Concentration on Credit and House Prices

Gupta, Deeksha - 2020

decreasing their high-risk acquisitions. I develop a theory in which large lenders will temporarily increase high-risk activity …. As the bust continues, lenders slowly wind down their mortgage exposure …

Persistent link: https://www.econbiz.de/10012850803

Mortgage Markets with Lender Competition and Asymmetric Information

Bandeh-Ahmadi, Ayeh - 2015

amongst mortgage lenders and adds the idea of lender competition into this framework. Despite this addition, the results are … loans, selling most of their mortgages and making less profit off each mortgage while concentrated lenders do the opposite …

Persistent link: https://www.econbiz.de/10013027213

Credit risk, regulatory costs and lending discrimination in efficient residential mortgage markets

Nickerson, David B. - In: Journal of risk and financial management : JRFM 15 (2022) 5, pp. 1-17

Significant differences in loan terms between demographically distinct groups of borrowers in the United States are often interpreted as evidence of systematic ethnic, racial or gender discrimination by lenders. The appearance and interpretation of such discrimination has long been a...

Persistent link: https://www.econbiz.de/10013273406