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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
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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
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The impact of credit risk mispricing on mortgage lending during the subprime boom
Kahn, James A.; Kay, Benjamin S. - 2020
Persistent link: https://www.econbiz.de/10012260657
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Subprime credit, idiosyncratic risk, and foreclosures
Simlai, Prodosh - In: The quarterly review of economics and finance : journal … 74 (2019), pp. 175-189
Persistent link: https://www.econbiz.de/10012297241
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The impact of lending standards on default rates of residential real estate loans
Gaudêncio, João; Mazany, Agnieszka; Schwarz, Claudia - 2019
This paper analyses the impact of lending standards for residential real estate (RRE) loans on default rates, using a novel loan-level dataset from the European DataWarehouse (EDW) that covers eight euro area countries. To the best of the authors' knowledge, this paper is the first to use, for...
Persistent link: https://www.econbiz.de/10011988415
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The impact of credit risk mispricing on mortgage lending during the subprime boom
Kahn, James A.; Kay, Benjamin S. - 2019
We provide new evidence that credit supply shifts contributed to the U.S. subprime mortgage boom and bust. We collect … original data on both government and private mortgage insurance premiums from 1999-2016, and document that prior to 2008 …
Persistent link: https://www.econbiz.de/10012181334
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Causes of non-payment of mortgage loans : theoretical and practical aspects
Mitrašević, Mirela; Bardarova, Snezana - In: UTMS journal of economics / University of Tourism and … 11 (2020) 2, pp. 138-150
Due to the significant share of mortgage loans in the portfolio structure of a large number of commercial banks … that deals with the causes of non-performance of mortgage loans and the impact of lending standards on reducing systemic …
Persistent link: https://www.econbiz.de/10012427987
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The case for loan modification
Bair, Sheila C. (contributor) - In: FDIC quarterly 1 (2007) 3, pp. 22-29
Persistent link: https://www.econbiz.de/10003674719
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Shifting credit standards and the boom and bust in US house prices
Duca, John V.; Muellbauer, John; Murphy, Anthony - 2011
Persistent link: https://www.econbiz.de/10009011850
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House prices and credit constraints : making sense of the US experience
Duca, John V.; Muellbauer, John; Murphy, Anthony - 2011
Persistent link: https://www.econbiz.de/10009011854