This paper examines racial and ethnic differences in high cost mortgage lending in seven diverse metropolitan areas … lenders explains almost all of the racial and ethnic differences in high cost mortgage borrowing …

Purpose – This paper aims to investigate the determinants of default mortgage in China and the factors affecting the … mortgage amount granted by Chinese banks. Design/methodology/approach – This paper employs the credit scoring model to … investigate the determinants of default mortgage in China and the factors affecting the mortgage amount granted by Chinese banks …

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 …

We examine the real effects of changes in bank mortgage loan underwriting standards by combining responses to the … Federal Reserve's Senior Loan Officer Opinion Survey, application information from the Home Mortgage Disclosure Act, and local … securitizing banks. In areas with more exposure to banks that have tightened standards, mortgage delinquency rates, house prices …

scores by the Government Sponsored Enterprises (GSEs) in mortgage underwriting to answer this question. The use of credit …

On the back of the lending market interest rate cuts and implementation of the subsidized mortgage program (mortgage … picked up. In Q1-Q3, 2020, banks increased substantially mortgage lending volumes, having surpassed the high outturns seen in … mortgage government program in the near future …

Since the housing bust and financial crisis, mortgage lenders have introduced progressively higher minimum thresholds … mortgage credit reduced delinquency on both mortgage and non-mortgage debt and increased their propensity to take out auto …