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Identifying Decarbonization Strategies for Older Homes

Allison Hyatt • September 27, 2022

While energy consumption in new homes is decreasing thanks to stricter building codes, there is a dearth of performance standards for retrofits to older residences and those…
Working Papers

Mortgage Credit and the Evolution of Risk-Based Pricing

Frank Raiter, Francis Parisi • February 23, 2004

BABC 04-23: Mortgage lenders have long used credit scores as a basis for estimating borrower risk. This risk differentiation is reflected in the coupon rate of the loan…