During the housing crisis, it came to be recognized that inflated home mortgage appraisals were widespread during the … adopt the Home Valuation Code of Conduct (HVCC). Using unique data sets that contain both approved and nonapproved mortgage … applications, this study provides an empirical examination of the impact of the HVCC on appraisal and mortgage outcomes. The …

details search behavior for a large sample of mortgage borrowers, with loan application and rejection decisions. Our data … reveal substantial dispersion in mortgage rates and search intensity, conditional on observables. However, in contrast to …

government backing of the mortgage market. Nonetheless, the dominance of the crown corporation CMHC in the mortgage insurance … market concentrates a significant amount of risk in public finances. Improving competitive conditions in the mortgage …

The U.S. mortgage crisis that began in 2007 generated questions about the role played by Fannie Mae and Freddie Mac … the UAG on the GSEs' whole single-family mortgage purchases during peak years for the subprime mortgage market. Under the …

The U.S. mortgage crisis that began in 2007 generated questions about the role played by Fannie Mae and Freddie Mac … the UAG on the GSEs' whole single-family mortgage purchases during peak years for the subprime mortgage market. Under the …

The late-2000s financial crisis has re-ignited a debate about the impact of regulating consumer mortgage markets. This … paper examines how a court-mandated repeal of a home mortgage regulation in Cleveland a effected home foreclosures. To …

The late 1990s through the mid-2000s was a period of historic growth in mortgage lending and house prices and there is … with the view that the house price boom was caused by an expansion in the supply of mortgage credit, primarily benefiting … borrowers and neighborhoods which previously had the most limited access to mortgage credit. In particular, the evidence can be …

Rural homeownership is promoted in the United States by mortgage insurance programs administered by the federal … Rural Housing Service. We find applicants are sensitive to the relative annual mortgage insurance premiums and guarantee … mortgage choice …