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, 2009 markets, as well as predictions for optimal default by borrowers.
Stephen LeRoy, Munpyung O, John Krainer
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The Journal of Structured Finance, 2007
In recent months, there have been almost daily reports on problems that may result from widespread delinquencies in subprime mortgage loans – loans with higher interest rates and fees that are made to borrowers with impaired or limited credit histories, or to first-time borrowers. After all the sound and fury, two questions remain: “How did this happen?
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In recent months, there have been almost daily reports on problems that may result from widespread delinquencies in subprime mortgage loans – loans with higher interest rates and fees that are made to borrowers with impaired or limited credit histories, or to first-time borrowers. After all the sound and fury, two questions remain: “How did this happen?
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Perspectives on the Subprime Mortgage Market
SSRN Electronic Journal, 2008This paper consists of four short pieces on the subprime mortgage market. Based upon a proprietary database, LoanPerformance, of 80 million mortgage loans originated from January 1999 to July 2007, these pieces demonstrate: (1) the subprime loan market has contributed to a net gain in homeownership; (2) the distinction between subprime and prime ...
James R. Barth +3 more
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Optimal mortgage loan securitization and the subprime crisis
Optimization Letters, 2009zbMATH Open Web Interface contents unavailable due to conflicting licenses.
Janine Mukuddem-Petersen +3 more
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Securitization and the subprime mortgage crisis
Journal of Post Keynesian Economics, 2013Since the outbreak of the subprime mortgage crisis, the benefits of securitization have started to be questioned. Originally, securitization was meant to improve the efficiency of capital markets by reducing risks through risk tiering and geographic diversification. It has also been considered to have contributed to a reduction in transaction costs and
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From subprime mortgages to subprime credit cards [PDF]
, 2008 Since the 2005 changes to bankruptcy law made subprime products safer for credit card companies, they are promoting more cards to consumers with poor credit. High up-front fees and penalties may call for consumer caution.
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The rise and fall of subprime mortgages [PDF]
, 2007 After booming the first half of this decade, U.S. housing activity has retrenched sharply. Single-family building permits have plunged 52 percent and existing-home sales have declined 30 percent since their September 2005 peaks. ; A rise in mortgage interest rates that began in the summer of 2005 contributed to the housing market's initial weakness. By
Danielle DiMartino, John V. Duca
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Originate-to-Distribute Model and the Subprime Mortgage Crisis
SSRN Electronic Journal, 2010An originate-to-distribute (OTD) model of lending, where the originator of a loan sells it to various third parties, was a popular method of mortgage lending before the onset of the subprime mortgage crisis. We show that banks with high involvement in the OTD market during the pre-crisis period originated excessively poor quality mortgages. This result
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Earthquake in the Subprime Mortgage Market
2009Capital is an instrument — not a profound pleasure. As executives from the Securities and Exchange Commission (SEC), Federal Reserve, Federal Deposits Insurance Corporation (FDIC), Office of the Controller of the Currency (OCC), and Office of Thrift Supervision (OTS) underlined in meetings we had in Washington and Boston, a top responsibility of senior
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