Results 121 to 130 of about 37,947 (265)
Mortgage Default Rates and Borrower Race [PDF]
We estimate a mortgage default model with national data on conventional mortgages that were current from 1986 to 1992. Our analysis confirms the results of previous analyses of Federal Housing Authority mortgages: Black households have higher marginal ...
Richard Anderson, James VanderHoff
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Statistical Evidence of Mortgage Redlining? A Cautionary Tale [PDF]
Statistical analyses of mortgage redlining at the neighborhood level have fueled the debate over the existence of racial redlining in mortgage lending, both "proving" and "disproving" that redlining exists, depending upon the type of model used.
Clifford V. Rossi +1 more
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The British Journal of Sociology, EarlyView.ABSTRACT Tracing the early adoption of computer gang databases by the Los Angeles County Sheriff's Department and the Los Angeles Police Department in the 1980s to the deployment of computationally‐assisted surveillance during the Vietnam War, this paper uses a genealogical approach to compare surveillance technologies developed across the arc of ...
Christina Hughes
wiley +1 more source
Income Volatility and Residential Mortgage Delinquency: Evidence from 12 EU countries [PDF]
We investigate the socio-economic determinants of mortgage delinquency in 12 EU countries and observe that income volatility significantly increases the mortgage delinquency risk.
Luis Diaz-Serrano
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The Impact of Mortgage Rates on Mortgage Refinancing
International Journal of Economics and Financial IssuesMortgages loans are vital for the acquisition of housing property and mortgage lending rates play an important role in mortgage market trends, borrowers, and lenders’ decisions. Objective: the aim of this paper is to evaluate the combined effect of current and previous mortgage rates on mortgage refinancing.
openaire +1 more source
The British Journal of Sociology, EarlyView.ABSTRACT Family financial assistance with home ownership has attracted significant scholarly attention in recent years. However, the role of culture and ethnicity, transnational ties, and migration in this practice remains significantly under‐addressed.
Julia Cook
wiley +1 more source
Beneath the rhetoric: clarifying the debate on mortgage lending discrimination [PDF]
The authors' simple model of the mortgage underwriting process provides a framework within which to define discrimination and various notions of the default rate.
Stanley D. Longhofer, Stephen R. Peters
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Taking Stock: Elite Studies and Social Change
The British Journal of Sociology, EarlyView.ABSTRACT This article provides a systematic synthesis of contemporary elite sociology through the analytical lens of change and stability. We distinguish between two types of change: change within elites, referring to transformations in elite composition, circulation, or internal characteristics; and change by elites, designating processes whereby ...
Lena Ajdacic +13 more
wiley +1 more source
Alt-A: the forgotten segment of the mortgage market [PDF]
This study presents a brief overview of the Alt-A mortgage market with the goal of outlining broad trends in the different borrower and mortgage characteristics of Alt-A market originations between 2000 and 2006.
Rajdeep Sengupta
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Long COVID and financial hardship: A disaggregated analysis at income and education levels
Health Services Research, Volume 60, Issue 2, April 2025.Abstract Objectives To examine how long COVID is associated with financial hardship (food insecurity, inability to pay bills, or threat of losing service) across income and education levels, and to assess the role of employment loss or reduced work hours in this hardship.
Biplab Kumar Datta +2 more
wiley +1 more source