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Lender Certification Premiums

Journal of Banking & Finance, 2003
The announcement of a bank loan by a borrowing firm has been shown to have a positive effect on the market value of the borrower's claims. This is consistent with a lender's implied endorsement of the borrower - an endorsement that has value to the borrower.
Douglas O. Cook   +2 more
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Residential Mortgage Lenders

The Journal of Finance, 1952
THE POSTWAR PERIOD has seen an almost unbelievable expansion of residential housing, a growth which confounded many prophets, and which went a long way toward underwriting the high level of prosperity. Even now the magnitude of this boom has not yet been fully recognized.
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The Lender-Borrower Relationship with Risk Averse Lenders [PDF]

open access: possible, 2003
Wenn Kreditgeber risikoavers sind, erfordert die Gestaltung optimaler anreizkompatibler Kreditverträge die Berücksichtigung aller Risiken, denen der Kreditgeber ausgesetzt ist. In einem Modell mit asymmetrischer Information zwischen Kreditgeber und Kreditnehmer zeigt die Analyse des optimalen anreizkompatiblen Kreditvertrages, dass Risikoaversion des ...
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Mortgage Lenders and Loans

2012
This article presents a short historical overview of the different types of lenders that are active in the origination of residential mortgage loans. First, a distinction is made between depository and nondepository lenders. Second, there are two major types of depository lenders: commercial banks, on the one hand, and savings and loans institutions ...
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The Predatory Lender

2021
A predatory lender whose name shall not be revealed really believes in beating down the customer’s door. In what may be a Guinness Book of Records—Hall of Fame advertising breakthrough, this company recently sent through the mail personalized and unsolicited checks for $1500 to tens of thousands of people all across the country.
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