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Working Papers

Conserving Forests and Preserving Housing Affordability

Julia Smachylo • January 26, 2021

This paper explores and contributes to scholarship on the escalating related concerns of environmental conservation and housing affordability. Situated within contemporary…
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…