The Economics of Mortgage Terminations: Implications for Mortgage Lenders and Mortgage Terms [PDF]
The paper begins with the development of models explaining the mortgage refinancing and assumption decisions of households Having identified the economic variables influencing these decisions, we then simulate the models for different values to determine
Kevin E. Villani +2 more
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Global Banks and Local Rules: The Effects of Macroprudential Policy on US Bank Branch Lending
European Financial Management, EarlyView.ABSTRACT The discretionary nature of macroprudential policy implementation may stimulate regulatory arbitrage opportunities by global banks, undermining national regulators’ efforts to fine‐tune business, credit or financial cycles within the domestic perimeter. This paper examines how local macroprudential tools affect the lending behaviour of foreign
Carmela D'Avino +3 more
wiley +1 more source
Contemporary neighborhood redlining and racial mortgage lending bias and disparities in prostate cancer survival. [PDF]
CancerLawrence WR +14 more
europepmc +1 more source
Mortgage Assessment Task Force [2007]
, 2007 October 23, 2007List of Attendees -- Mortgage Assessment Task Force Member Roster -- Kansas Mortgage Market Supervision and Regulation -- History of Kansas Laws -- History of Kansas Laws Affecting Mortgage Regulation -- Consumer and Mortgage Lending ...
Office of the State Bank Commissioner
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The Effects of Information Technologies on the Bankruptcy Decision
Financial Management, EarlyView.ABSTRACT Exploiting the staggered adoptions of electronic systems across 70 bankruptcy courts in the United States, I investigate the impacts of digital transformation on bankruptcy behavior. The digital transformation in bankruptcy courts significantly lowered the cost of filing by enabling debtors to file for bankruptcy online, yet empirical tests ...
Jeyul Yang
wiley +1 more source
Regional Science Policy &Practice, EarlyView., 2023 Abstract This paper sheds light on regional recovery prospects from the coronavirus disease 2019 (COVID‐19) crisis by examining the link between gross rates of establishment openings and closures and local economic growth spanning the 2001 recession and the 2007–2009 global financial crisis (GFC).
Nicholas Kacher, Stephan Weiler
wiley +1 more source
The Price of Denial: Examining the Health Consequences of Mortgage Lending Bias in Michigan Metro Areas. [PDF]
J Urban HealthKoeman J +4 more
europepmc +1 more source
Thrifty Viability and Traditional Mortgage Lending: A Simultaneous Equations Analysis of the Risk-Return Trade-Off [PDF]
A number of studies have argued that the thrift industry is not viable as it is presently structured and regulated because mortgage yields are inadequate to cover interest and operating costs.
M. Cary Collins +2 more
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Political Partisanship and State‐Level Bank Efficiency
Financial Review, EarlyView.ABSTRACT We examine the relationship between political partisanship and commercial bank efficiency in the United States from 1972 to 2020, assessing the persistent influence of political affiliations at the state and District of Columbia levels. Bank efficiency scores are estimated using a double‐bootstrap approach, and the analysis is conducted within
Jeremy Eng‐Tuck Cheah +3 more
wiley +1 more source
The Interaction between Mortgage Financing and Housing Prices in Greece [PDF]
Although the close empirical relationship between the evolution of mortgage lending and housing prices is well established in the literature, the direction of causation is less clear from a theoretical standpoint.
Sophocles N. Brissimis +1 more
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