Mortgage Lenders' Market Response to a Landmark Regulatory Decision Based on Fair Lending Compliance [PDF]
Regulation of real estate lending has substantially increased in the past decade. Government efforts to improve compliance with Community Reinvestment Act mandates are evidence of increased emphasis on racial equal opportunity in loan origination.
Roger M. Shelor +2 more
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Self-Selection and Tests for Bias and Risk in Mortgage Lending: Can You Price the Mortgage If You Don't Know the Process? [PDF]
There is increasing interest in understanding the determinants of mortgage rejection by lenders and default by borrowers. Although many researchers have proposed simple single-equation models of rejection and default, we argue that far more complex ...
Robert F. Phillips, Anthony M.J. Yezer
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FinTechThis study examines racial and ethnic disparities in mortgage-lending outcomes across different lender types—large banks, fintech lenders, non-bank lenders, small banks, and credit unions—using Home Mortgage Disclosure Act (HMDA) data from 2018 to 2023 ...
Zilong Liu, Hongyan Liang
doaj +1 more source
The Basis of Valuations for Secured Commercial Property Lending in the UK [PDF]
In the context of the financial crash and the commercial property market downturn, this paper examines the basis of valuation used in the UK commercial property lending process.
Cathy Hughes, Neil Crosby
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Agency for Housing Mortgage Lending: Role in the Organization of Mortgage Lending in Russia [PDF]
Izvestiya of Saratov University. New Series. Series Economics. Management. Law, 2013 T. P. Varlamova, A. P. Trubina
openaire +1 more source
The impact of local predatory lending laws on the flow of subprime credit [PDF]
Local authorities in North Carolina, and subsequently in at least 23 other states, have enacted laws intending to reduce predatory and abusive lending.
Anthony Pennington-Cross, Giang Ho
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RELIABILITY OF MORTGAGE VALUATION FOR INSTITUTIONAL LENDING IN NIGERIA
International Journal of Strategic Property Management, 2004 The growing number of distressed banks in Nigeria and the recognition of mortgage valuation as a measure of investment performance of collaterals to mitigate the risks of loan underwriting process necessitates this study. It examined whether open market valuations of mortgage properties were a good proxies for their sale prices.
openaire +3 more sources
Is there discrimination in mortgage pricing? the case of overages [PDF]
We conduct an empirical investigation to explain observed differentials in mortgage overage pricing. Our analysis makes several contributions. First, we study an area of mortgage pricing that is little understood by consumers and has received little ...
Ramon P. DeGennaro +2 more
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Regulating Role of the State in Development of Mortgage of Land Регулирующая роль государства в развитии ипотечного кредитования земли [PDF]
Problemi Ekonomiki, 2010 In article the analysed experience of the organization of mortgage lending of agriculture of some countries of the world. The attention is paid to features of mortgage lending, of agrarian sector of economy and an all-important role of the state through ...
Prokopenko Valeriya Y., Yukhno Marina T.
doaj
Availability of Credit and Loan Default: A Look at the Commercial Mortgage Supply Cycle [PDF]
This study uses a structural equation approach to assess the presence of a credit supply effect in the commercial mortgage market and the lenders' ability to incorporate expectations about this effect into their lending policies.
Luis C. Mejia
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