(mortgage) loans. The main driver of market development, just as it was during the period 2020–2021, remained the government …-funded mortgage programs offering relatively low interest rates. At the same time, over the course of last year, in the situation of … unsatisfied demand, there emerged joint schemes of banks and real estate developers in the form of almost interest-free mortgage …

the Home Mortgage Disclosure Act (HMDA) of 1975 and its 1989 amendments in order to clarify their objectives and … Banks routinely collect this data during the mortgage application process, so it should be relatively easy to include in …

This paper examines the effect of the Black Lives Matter (BLM) movement in mitigating racial discrimination in mortgage … local residents. From a sample of mortgage loans guaranteed by Government Sponsored Enterprises (GSEs), we next find the gap … in mortgage interest rates between Black and White borrowers declines significantly after occurrences of BLM protests in …

Using transaction-level data on Canadian mortgage contracts we document an increase in the average discount negotiated …