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Author:Laderman, Elizabeth 

Journal Article
The changing role of the prime rate

FRBSF Economic Letter

Journal Article
The rhyme and reason of bank mergers

FRBSF Economic Letter

Journal Article
Risks in the swaps market

FRBSF Economic Letter

Working Paper
Mortgage loan securitization and relative loan performance

We compare the ex ante observable risk characteristics and the default rates of securitized mortgage loans and mortgage loans retained by the original lender. We find that privately securitized loans tend to be riskier and to default at a faster rate than loans securitized with the GSEs and lender-retained loans. However, the differences in default rates across investor types are of secondary importance for explaining mortgage defaults compared to more conventional predictors, such as original loan-to-value ratios and the path for house prices. Privately securitized home mortgages have ...
Working Paper Series , Paper 2009-22

Journal Article
The shrinking of Japanese branch business lending in California

FRBSF Economic Letter

Journal Article
Banking market structure in the West

FRBSF Economic Letter

Journal Article
What's behind problem credit card loans?

FRBSF Economic Letter

Working Paper
The untold costs of subprime lending: examining the links among higher-priced lending, foreclosures and race in California

This paper explores the relationship between race, subprime lending, and foreclosure in California in an effort to understand what happened during the subprime lending boom. The paper finds that communities of color have been disproportionately affected by the foreclosure crisis, and that these disparities stem from a series of complicated and interrelated factors, including borrower credit profiles, the ?boom and bust? housing market, and rising unemployment. However, the paper also shows that Blacks and Hispanics in California had access to very different mortgage markets, and that mortgage ...
Community Development Working Paper , Paper 2009-09

Journal Article
The role of specialized lenders in extending mortgages to lower-income and minority homebuyers

Home-purchase lending to lower-income and minority households and neighborhoods has expanded significantly and at a faster rate than lending to other borrowers in recent years. Over the same period, however, an increasing proportion of applicants for conventional home-purchase mortgages, including lower-income and minority applicants, have had their applications denied. The first trend often has been taken as evidence that lenders' efforts to expand credit availability have been successful, whereas the second trend has contributed to concerns about access to credit and the fairness of the ...
Federal Reserve Bulletin , Volume 85 , Issue Nov

Journal Article
Determinants of bank versus nonbank competitiveness in short-term business lending

Since about 1974, banks' share of the market for short-term business lending has been steadily eroded through competition with nonbank creditors. This paper tries to identify some factors that may affect bank competitiveness in this category in the short fun and discusses how these factors may have contributed to banks' loss of market share. Estimation of a simple linear model in first differences indicates that banks' market share responds negatively in the short run to above-average default risk and/or monetary tightness and to a decrease in banks' value of deposit insurance. Banks' ...
Economic Review

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