Whitney Airgood-Obrycki, Alexander Hermann, Sophia Wedeen
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February 12, 2022
The United States is in a housing affordability crisis, with nearly half of all renter households spending more than 30% of their incomes on rent and utilities each month.…
Whitney Airgood-Obrycki, Alexander Hermann, Sophia Wedeen
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January 13, 2021
Even before the COVID-19 pandemic, renters in the United States were facing a housing affordability crisis. Nearly a quarter of renter households were spending more than half…
Chris Herbert, Alexander Hermann, Daniel McCue
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September 25, 2018
The 30-percent of income standard is a widely used and accepted measure of the extent of housing affordability problems across the country. While simple and easy to implement…
MF10-3: The recent tumult experienced by residential mortgage markets in the United States has left many struggling to determine what caused the crisis; what can be done…
Susan Wharton Gates, Cindy Waldron, Peter Zorn
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February 13, 2004
BABC 04-13: Automated underwriting (AU) systems have become a tool of choice in mortgage lending decisions. While AU provides significant benefits to mortgage…
This paper analyses the performance of low-income and minority loans (LIMLs) from a large sample of fixed-rate mortgages purchased by Freddie Mac in the 1990s. Our focus is…
