Contractual savings for housing (Bausparkassen) with narrow ranges of tariff plans are used to coexist with banking … bank accounts «linking» these two mortgage institutions. We consider properties of lines of SLTP and develop a model for … efficiency of the mortgage system rises for all involved agents – consumers, banks and governments. Finally we analyze the impact …

Technology-based ("FinTech") lenders increased their market share of U.S. mortgage lending from 2 percent to 8 percent … from 2010 to 2016. Using market-wide, loan-level data on U.S. mortgage applications and originations, we show that FinTech … lenders process mortgage applications about 20 percent faster than other lenders, even when controlling for detailed loan …

defaulters have both negative equity and enough liquid or illiquid assets to make one month's mortgage payment. This finding …

Since February 2010, detailed information on every home mortgage default and foreclosure in New York State must be … Mortgage Disclosure Act (HMDA) enables us to identify the race and ethnicity of borrowers who defaulted on their home mortgages …

Since February 2010, detailed information on every home mortgage default and foreclosure in New York State must be … principal balances may reduce the foreclosure rate, but might have an adverse effect on the mortgage industry. Given the …

defaulters have both negative equity and enough liquid or illiquid assets to make one month's mortgage payment. This finding …