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Journal Article
Fed seeks to mitigate foreclosures, says Fed Governor Kroszner

Federal Reserve Governor Randall S. Kroszner recently spoke about the importance of promptly addressing problems in the residential mortgage market to protect homeowners, communities, and general economic health.
Financial Update , Volume 21 , Issue 1

Journal Article
Statement to Congress, February 4, 1993(credit availability problems in low-income communities)

Federal Reserve Bulletin , Issue Apr , Pages 279-281

Working Paper
The efficiency of residential mortgage guarantee insurance markets

Mortgage Guarantee Insurance (MGI) provides protection to lenders against default by borrowers who have less than 20 percent equity interest in the mortgaged property. The existence of this form of insurance helps to stimulate home ownership by allowing consumers with less than twenty percent down payment access to credit markets. Initially an invention of lenders, MGI became dominated by government agencies after the Great Depression but recently private insurers have increased their market share to more than 75 percent. The domination of the industry by the private sector appears not to ...
Working Papers , Paper 1997-013

Conference Paper
Comments on a credit market turmoil: causes, consequences, and cures

Proceedings , Paper 1086

Working Paper
Paying Too Much? Price Dispersion in the U.S. Mortgage Market

We document wide dispersion in the mortgage rates that households pay on identical loans, and show that borrowers' financial sophistication is an important determinant of the rates obtained. We estimate a gap between the 10th and 90th percentile mortgage rate that borrowers with the same characteristics obtain for identical loans, in the same market, on the same day, of 54 basis points|equivalent to about $6,500 in upfront costs (points) for the average loan. Time-invariant lender attributes explain little of this rate dispersion, and considerable dispersion remains even within loan officer. ...
Finance and Economics Discussion Series , Paper 2020-062

Journal Article
Mortgage refinancing

Federal Reserve Bulletin , Issue Aug

Journal Article
Loan pricing included in new HMDA data for the first time

Financial Update , Volume 18 , Issue Q 4

Working Paper
The duration of foreclosures in the subprime mortgage market: a competing risks model with mixing

This paper examines what happens to mortgages in the subprime mortgage market once foreclosure proceeding are initiated. A multinominial logit model that allows for the interdependence of the possible outcomes or risks (cure, partial cure, paid off, and real estate owned) through the correlation of associated unobserved heterogeneities is estimated. The results show that the duration of foreclosures is impacted by many factors including contemporaneous housing market conditions, the prior performance of the loan (prior delinquency), and the state-level legal environment.
Working Papers , Paper 2006-027

The subprime mortgage market

a speech at the Federal Reserve Bank of Chicago?s 43rd Annual Conference on Bank Structure and Competition, Chicago, Illinois
Speech , Paper 291

Conference Paper
Analyzing developments in the life insurance industry--commercial mortgage investment

Proceedings , Paper 391



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