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conditions required by the banking system to grant a mortgage. The authors find that easier access to credit inflates housing …
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during the financial crisis in the United States. We focus on mortgage lending to minimize the impact of confounding demand … disaggregated data on mortgage applications that we use allows us to study the time variations in banks' decisions to grant mortgage …
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Credit scoring methods aim to assess the default risk of a potential borrower. This involves typically the calculation of a credit score and the estimation of the probability of default. One of the standard approaches is logistic discriminant analysis, also referred to as logit model. This model...
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decision process of mortgage loans. Design/methodology/approach: Multiple criteria decision analysis (MCDA) has proved over the … categorical based evaluation technique (MACBETH) to a pre-established structure of credit-scoring criteria for mortgage lending … accurate mortgage-lending risk-evaluation system. The sensitivity and robustness analyses carried out also helped in promoting …
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