Neil Bhutta, Daniel R. Ringo
Abstract
In this note, we use recently released loan level data collected under the Home Mortgage Disclosure Act (HMDA) to examine how the new ability-to-repay (ATR) rules may have affected mortgage lending activity in 2014.
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In this note, we use recently released loan level data collected under the Home Mortgage Disclosure Act (HMDA) to examine how the new ability-to-repay (ATR) rules may have affected mortgage lending activity in 2014.
Key concepts: Mortgage underwriting, Mortgage insurance, Shared appreciation mortgage, Secondary mortgage market, Mortgage loan, Collateralized mortgage obligation, Loan-to-value ratio, Business