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Technological Innovation in Mortgage Underwriting and the Growth in Credit: 1985-2015

https://doi.org/10.26509/frbc-wp-201816
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What this work says

Outgoing claims: the papers this work cites, builds on, or argues with.

inferredcites →https://doi.org/10.1006/jhec.1997.0207openalex-snapshot
Integration of the Mortgage Market into the National Capital Markets: 1963–1993
inferredcites →https://doi.org/10.1006/juec.1994.1017openalex-snapshot
Default Probabilities for Mortgages
inferredcites →https://doi.org/10.1007/s11146-010-9258-zopenalex-snapshot
GSE Activity and Mortgage Supply in Lower-Income and Minority Neighborhoods: The Effect of the Affordable Housing Goals
inferredcites →https://doi.org/10.1016/j.aos.2009.02.003openalex-snapshot
From new deal institutions to capital markets: Commercial consumer risk scores and the making of subprime mortgage finance
inferredcites →https://doi.org/10.1016/j.jfineco.2011.05.005openalex-snapshot
Neglected risks, financial innovation, and financial fragility
inferredcites →https://doi.org/10.1016/j.jfineco.2018.03.011openalex-snapshot
Fintech, regulatory arbitrage, and the rise of shadow banks
inferredcites →https://doi.org/10.1016/j.red.2017.07.006openalex-snapshot
Equity extraction and mortgage default
inferredcites →https://doi.org/10.1016/s0169-7218(11)02410-5openalex-snapshot
Skills, Tasks and Technologies: Implications for Employment and Earnings
inferredcites →https://doi.org/10.1080/10511482.2002.9521447openalex-snapshot
Automated underwriting in mortgage lending: Good news for the underserved?
inferredcites →https://doi.org/10.1080/10835547.2007.12091206openalex-snapshot
Opportunities and Issues in Using HMDA Data
inferredcites →https://doi.org/10.1086/648289openalex-snapshot
Reducing Foreclosures: No Easy Answers
inferredcites →https://doi.org/10.1086/661938openalex-snapshot
The Community Reinvestment Act and Mortgage Lending to Lower Income Borrowers and Neighborhoods
inferredcites →https://doi.org/10.1086/686732openalex-snapshot
Understanding Booms and Busts in Housing Markets
inferredcites →https://doi.org/10.1093/oso/9780198845553.003.0011openalex-snapshot
The FinTech Opportunity
inferredcites →https://doi.org/10.1093/restud/rdw011openalex-snapshot
The Democratization of Credit and the Rise in Consumer Bankruptcies
inferredcites →https://doi.org/10.1093/rfs/hhw018openalex-snapshot
Loan Originations and Defaults in the Mortgage Crisis: The Role of the Middle Class
inferredcites →https://doi.org/10.1093/rfs/hhw104openalex-snapshot
Fraudulent Income Overstatement on Mortgage Applications During the Credit Expansion of 2002 to 2005
inferredcites →https://doi.org/10.1111/1756-2171.12019openalex-snapshot
The impact of credit scoring on consumer lending
inferredcites →https://doi.org/10.1111/jmcb.12118openalex-snapshot
Household Leverage
inferredcites →https://doi.org/10.1111/jmcb.12546openalex-snapshot
Mortgage Default during the U.S. Mortgage Crisis
inferredcites →https://doi.org/10.1111/jofi.12252openalex-snapshot
A Model of Mortgage Default
inferredcites →https://doi.org/10.1111/jofi.12523openalex-snapshot
Consumer Ruthlessness and Mortgage Default during the 2007 to 2009 Housing Bust
inferredcites →https://doi.org/10.1111/jofi.12719openalex-snapshot
Arrested Development: Theory and Evidence of Supply‐Side Speculation in the Housing Market
inferredcites →https://doi.org/10.1111/jofi.13090openalex-snapshot
Predictably Unequal? The Effects of Machine Learning on Credit Markets
inferredcites →https://doi.org/10.1146/annurev-financial-110217-022541openalex-snapshot
Mortgage-Default Research and the Recent Foreclosure Crisis
inferredcites →https://doi.org/10.1162/qjec.2009.124.4.1449openalex-snapshot
The Consequences of Mortgage Credit Expansion: Evidence from the U.S. Mortgage Default Crisis *
inferredcites →https://doi.org/10.1162/rest_a_00491openalex-snapshot
The Subprime Crisis: Is Government Housing Policy to Blame?
inferredcites →https://doi.org/10.1257/aer.104.2.687openalex-snapshot
Are Private Markets and Filtering a Viable Source of Low-Income Housing? Estimates from a “Repeat Income” Model
inferredcites →https://doi.org/10.1257/aer.20151052openalex-snapshot
Regional Redistribution through the US Mortgage Market
inferredcites →https://doi.org/10.1257/pol.5.2.111openalex-snapshot
How Do Mortgage Subsidies Affect Home Ownership? Evidence from the Mid-Century GI Bills
inferredcites →https://doi.org/10.1515/9781400845927openalex-snapshot
The New Division of Labor
inferredcites →https://doi.org/10.1609/aimag.v16i1.1123openalex-snapshot
Countrywide Loan-Underwriting Expert System
inferredcites →https://doi.org/10.17016/bulletin.1996.82-7openalex-snapshot
Credit Risk, Credit Scoring, and the Performance of Home Mortgages
inferredcites →https://doi.org/10.17016/bulletin.2012.98-6openalex-snapshot
The Mortgage Market in 2011: Highlights from the Data Reported under the Home Mortgage Disclosure Act
inferredcites →https://doi.org/10.18128/d010.v8.0openalex-snapshot
IPUMS USA: Version 8.0
inferredcites →https://doi.org/10.23943/9780691184920openalex-snapshot
A Crisis of Beliefs
inferredcites →https://doi.org/10.3386/w16082openalex-snapshot
Skills, Tasks and Technologies: Implications for Employment and Earnings
inferredcites →https://doi.org/10.3386/w22985openalex-snapshot
Cross-Sectional Patterns of Mortgage Debt during the Housing Boom: Evidence and Implications
inferredcites →https://doi.org/10.3386/w23694openalex-snapshot
The Housing Boom and Bust: Model Meets Evidence
inferredcites →https://doi.org/10.3386/w23706openalex-snapshot
The Time-Varying Price of Financial Intermediation in the Mortgage Market
inferredcites →https://doi.org/10.3386/w23740openalex-snapshot
Credit Growth and the Financial Crisis: A New Narrative
inferredcites →https://doi.org/10.3386/w24500openalex-snapshot
The Role of Technology in Mortgage Lending
inferredcites →https://doi.org/10.3386/w3838openalex-snapshot
Education and Unemployment
inferredcites →https://doi.org/10.3905/jsf.2015.20.4.067openalex-snapshot
A New Mortgage Credit Availability Index
inferredcites →https://doi.org/10.4135/9781483381503.n995openalex-snapshot
Reckless Endangerment
inferredcites →https://doi.org/10.5167/uzh-436530openalex-snapshot
The Rising Gap between Primary and Secondary Mortgage Rates
inferredcites →https://doi.org/10.5860/choice.48-0998openalex-snapshot
Fault lines: how hidden fractures still threaten the world economy

What points at this work

Incoming claims: where this work appears in other papers’ reference lists and arguments.

inferred← citeshttps://doi.org/10.2139/ssrn.3124261openalex-extracted
inferred← citeshttps://doi.org/10.2139/ssrn.3404326openalex-extracted
Lending to the Poor and Minorities Leading to the Housing Crisis: Was There a Boom?
inferred← citeshttps://doi.org/10.2139/ssrn.3529778openalex-extracted
Who Benefited from the Lending Boom to Poor and Minority Neighborhoods Leading to the Housing Crisis?
inferred← citeshttps://doi.org/10.2139/ssrn.3577436openalex-extracted
inferred← citeshttps://doi.org/10.1007/978-3-031-05740-3_13openalex-snapshot
Artificial Intelligence in Credit, Lending, and Mortgage
inferred← citeshttps://doi.org/10.1016/j.jhe.2022.101876openalex-snapshot
Bowling Alone, Buying Alone: The Decline of Co-borrowers in the US Mortgage Market
inferred← citeshttps://doi.org/10.1080/10511482.2019.1645036openalex-snapshot
Choice, Capital and Competition: Private Mortgage Insurance Application and Availability
inferred← citeshttps://doi.org/10.1093/restud/rdaa034openalex-snapshot
Cross-Sectional Patterns of Mortgage Debt during the Housing Boom: Evidence and Implications
inferred← citeshttps://doi.org/10.1093/rfs/hhac042openalex-snapshot
It Takes Two to Borrow: The Effects of the Equal Credit Opportunity Act on Housing, Credit, and Labor Market Decisions of Married Couples
inferred← citeshttps://doi.org/10.1186/s40854-021-00325-2openalex-snapshot
Entrepreneurial, institutional and financial strategies for FinTech profitability
inferred← citeshttps://doi.org/10.26509/frbc-wp-201919openalex-snapshot
Cross-Sectional Patterns of Mortgage Debt during the Housing Boom: Evidence and Implications
inferred← citeshttps://doi.org/10.26509/frbc-wp-202522openalex-snapshot
Is There a Puzzle in Underwater Mortgage Default?
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