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The Effects of the Ability-to-Repay / Qualified Mortgage Rule on Mortgage Lending

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Abstract

In this note, we use a unique set of mortgage applications and locks data from January 2013 through September 2018 to examine the effects of the ATR/QM rule on mortgage lending and mortgage pricing.

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  • Aurel Hizmo & Shane M. Sherlund, 2018. "The Effects of the Ability-to-Repay / Qualified Mortgage Rule on Mortgage Lending," FEDS Notes 2018-11-16, Board of Governors of the Federal Reserve System (U.S.).
    • Handle: RePEc:fip:fedgfn:2018-11-16
    DOI: 10.17016/2380-7172.2296
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    File URL: https://www.federalreserve.gov/econres/notes/feds-notes/effects-of-the-ability-to-repay-qualified-mortgage-rule-on-mortgage-lending-20181116.htm
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    File URL: https://libkey.io/10.17016/2380-7172.2296?utm_source=ideas
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    Cited by:

    1. Bhutta, Neil & Ringo, Daniel, 2021. "The effect of interest rates on home buying: Evidence from a shock to mortgage insurance premiums," Journal of Monetary Economics, Elsevier, vol. 118(C), pages 195-211.

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