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Credit Rationing, Income Exaggeration, and Adverse Selection in the Mortgage Market

Citations

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Cited by:

  1. Kiana Basiri & Babak Mahmoudi, 2021. "Possible income misstatement on mortgage loan applications: Evidence from the Canadian housing market," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 49(3), pages 917-935, September.
  2. James N. Conklin & Moussa Diop & Thao Le & Walter D’Lima, 2019. "The Importance of Originator-Servicer Affiliation in Loan Renegotiation," The Journal of Real Estate Finance and Economics, Springer, vol. 59(1), pages 56-89, July.
  3. Timothy Dombrowski & R. Kelley Pace & Junbo Wang, 2024. "Imputing Borrower Heterogeneity and Dynamics in Mortgage Default Models," The Journal of Real Estate Finance and Economics, Springer, vol. 68(3), pages 462-487, April.
  4. Zhan, Zhihao & Zhang, Anqi & Zhang, Mingxin & Zhang, Mingxin, 2024. "Unveiling the adverse selection problem in China's digital lending market: Evidence from CHFS," International Review of Financial Analysis, Elsevier, vol. 96(PA).
  5. Griffin, John M. & Kruger, Samuel & Maturana, Gonzalo, 2021. "What drove the 2003–2006 house price boom and subsequent collapse? Disentangling competing explanations," Journal of Financial Economics, Elsevier, vol. 141(3), pages 1007-1035.
  6. Michele Cantarella & Ilja Kristian Kavonius, 2024. "Job polarisation and household borrowing," The Journal of Economic Inequality, Springer;Society for the Study of Economic Inequality, vol. 22(4), pages 959-980, December.
  7. Brent W. Ambrose & Moussa Diop & Walter D’Lima & Mark Thibodeau, 2019. "Risk and Performance of Mutual Funds’ Securitized Mortgage Investments," The Journal of Real Estate Finance and Economics, Springer, vol. 59(4), pages 515-548, November.
  8. Oleksandr Talavera & Haofeng Xu, 2018. "Role of Verification in Peer-to-Peer Lending," Working Papers 2018-25, Swansea University, School of Management.
  9. Wu, Di & Sam, Abdoul G. & Wang, Xiangrui, 2024. "Spillover effects of financial deregulation: The unintended consequences of the OCC preemption rule on mortgage lending practices," International Review of Financial Analysis, Elsevier, vol. 95(PC).
  10. Conklin, James N. & Frame, W. Scott & Gerardi, Kristopher & Liu, Haoyang, 2022. "Villains or scapegoats? The role of subprime borrowers in driving the U.S. housing boom," Journal of Financial Intermediation, Elsevier, vol. 51(C).
  11. Iftekhar Hasan & Haekwon Lee & Buhui Qiu & Anthony Saunders, 2026. "Climate-related disclosure commitment of the lenders, credit rationing, and borrower environmental performance," Review of Accounting Studies, Springer, vol. 31(1), pages 74-117, March.
  12. Sumit Agarwal & Yongheng Deng & Jia He & Yonglin Wang & Qi Zhang, 2023. "Lenders’ pricing strategy: Do neighborhood risks matter?," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 51(4), pages 1011-1047, July.
  13. Brent C. Smith & Anthony M. Yezer, 2025. "A Lucas Critique of Mortgage Lending: Theory, Evidence, and Implications," The Journal of Real Estate Finance and Economics, Springer, vol. 70(4), pages 637-676, May.
  14. W. Scott Frame, 2018. "Agency Conflicts In Residential Mortgage Securitization: What Does The Empirical Literature Tell Us?," Journal of Financial Research, Southern Finance Association;Southwestern Finance Association, vol. 41(2), pages 237-251, June.
  15. Zhao, Yunhui, 2016. "Got Hurt for What You Paid? Revisiting Government Subsidy in the U.S. Mortgage Market," MPRA Paper 81083, University Library of Munich, Germany, revised 01 Aug 2017.
  16. Sumit Agarwal & Swee Hoon Ang & Yongheng Deng & Yonglin Wang, 2021. "Mortgage Brokers and the Effectiveness of Regulatory Oversights," Management Science, INFORMS, vol. 67(8), pages 5278-5300, August.
  17. Yavas, Abdullah & Zhu, Shuang, 2024. "Private mortgage securitization and adverse selection—New evidence from expected loan losses," Journal of Banking & Finance, Elsevier, vol. 162(C).
  18. Kaiji Chen & Qing Wang & Tong Xu & Tao Zha, 2025. "Aggregate and distributional impacts of LTV policy in China," Quantitative Economics, Econometric Society, vol. 16(4), pages 1361-1408, November.
  19. W. Scott Frame & Kristopher Gerardi & Erik J. Mayer & Billy Xu & Lawrence Zhao, 2024. "Government Litigation Risk and the Decline in Low-Income Mortgage Lending," FRB Atlanta Working Paper 2024-6, Federal Reserve Bank of Atlanta.
  20. Pedro Gete & Michael Reher, 2018. "Mortgage Supply and Housing Rents," The Review of Financial Studies, Society for Financial Studies, vol. 31(12), pages 4884-4911.
  21. James Conklin & N. Edward Coulson & Moussa Diop & Thao Le, 2020. "Competition and Appraisal Inflation," The Journal of Real Estate Finance and Economics, Springer, vol. 61(1), pages 1-38, June.
  22. James Conklin & Moussa Diop & Mingming Qiu, 2022. "Religion and Mortgage Misrepresentation," Journal of Business Ethics, Springer, vol. 179(1), pages 273-295, August.
  23. Samuel Kruger & Gonzalo Maturana, 2021. "Collateral Misreporting in the Residential Mortgage-Backed Security Market," Management Science, INFORMS, vol. 67(5), pages 2729-2750, May.
  24. Abdullah Yavas & Shuang Zhu, 2024. "Misreporting of second liens in portfolio mortgages and privately securitized mortgages," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 52(1), pages 73-109, January.
  25. Eric Higgins & Abdullah Yavas & Shuang Zhu, 2022. "Private mortgage securitization and loss given default," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 50(5), pages 1334-1359, September.
  26. Luis Arturo Lopez & Shawn J. McCoy & Vivek Sah, 2022. "Steering consumers to lenders in residential real estate markets," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 50(6), pages 1596-1641, November.
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