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Blog, Data, Interactives

Record Homelessness Amid Ongoing Affordability Crisis

Riordan Frost • February 12, 2024

Homelessness spiked 12 percent (71,000 people) in 2023, with more than 650,000 people unhoused, the highest number recorded since data collection began in 2007. The US…
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…