Following the 2008 financial crisis, mortgage credit tightened and banks lost significant mortgage market share to … similar to those of traditional lenders? Unlike in small business and unsecured consumers lending, fintech mortgage lenders do … not have the same incentives or flexibility to use alternative data for credit decisions because of stringent mortgage …

jumbo mortgages, which can not be securitized through Fannie Mae and Freddie Mac. Moreover, household mortgage refinancing …

on default rates at state level in the US mortgage market. Using panel data techniques, we find a statistically …

A dramatic decline in the maximum loan amount eligible for FHA mortgage insurance in the Salt Lake City metropolitan …

limited, as it accounts for only 10% of the difference in mortgage rates between loans with 75% and 95% loan to value ratio …

Following the 2008 financial crisis, mortgage credit tightened and banks lost significant mortgage market share to … similar to those of traditional lenders? Unlike in small business and unsecured consumers lending, fintech mortgage lenders do … not have the same incentives or flexibility to use alternative data for credit decisions because of stringent mortgage …

In this paper we examine the effects of limited liability on mortgage dynamics. While the literature has focused on …

We study the impact of changes in recourse legislation on mortgage defaults. Romania provides us with an ideal … experimental setting to identify this impact. Using a large dataset of mortgage loans granted between 2003 and 2016, we exploit an …