these GSEs as mortgage market conditions deteriorated in 2007 and 2008. The analysis focuses on a key element of OFHEO …

for Fannie Mae and Freddie Mac. We study a key component of OFHEOs model - 30-year fixed-rate mortgage performance - and … in a significant underprediction of mortgage credit losses and associated capital needs at Fannie Mae and Freddie Mac …

System as a provider of subsidized general liquidity to its members, including the very largest commercial banking …

Technology-based ("FinTech") lenders increased their market share of U.S. mortgage lending from 2 percent to 8 percent … from 2010 to 2016. Using market-wide, loan-level data on U.S. mortgage applications and originations, we show that FinTech … lenders process mortgage applications about 20 percent faster than other lenders, even when controlling for detailed loan …

In response to the Global Financial Crisis (2007–2009), financial institutions exposed to the subprime mortgage market …-sponsored wholesale banks, served as a significant source of liquidity for their 8,000 member institutions, including commercial and … remained unattractive, and the Fed had yet to intervene by creating novel liquidity facilities …

In the years preceding the Great Depression (1929–1933), home prices and outstanding mortgage debt grew substantially … agencies was the Federal Home Loan Bank System (FHLB System), chartered in 1932 as a wholesale bank to provide liquidity to … private institutions that specialized in home mortgage loans, including savings and loan associations, mutual savings banks …

This paper presents a framework for estimating losses in the residential real estate mortgage portfolios of German …-trigger hypothesis of mortgage defaults. In order to analyse the possible credit losses stemming from residential mortgage lending we … to 2020 for the whole German banking sector. Our results show that loss rates in the residential mortgage portfolios of …

The Federal Home Loan Bank system (FHLB) has evolved into a major source of liquidity for the banking system with the …. Conversely, the FHLB offers banks additional liquidity and specialized debt instruments that help them manage interest rate risk …