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The Effect of Regulatory Oversight on Nonbank Mortgage Subsidiaries. (2024). Rose, Morgan ; Brastow, Raymond ; Balla, Eliana ; Edgel, Daniel.
In: The Journal of Real Estate Finance and Economics.
RePEc:kap:jrefec:v:68:y:2024:i:3:d:10.1007_s11146-022-09906-z.

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  1. Agarwal, S., Amromin, G, Ben-David, I. & Evanoff, D. (2016). Loan product steering in mortgage markets. National Bureau of Economic Research, w22696.

  2. Berndt, A., Hollifield, B., & Sandas, P. (2010). The role of mortgage brokers in the subprime crisis. National Bureau of Economic Research, w16175.

  3. Buchak, G., Matvos, G., Piskorski, T., & Seru, A. (2018). Fintech, regulatory arbitrage, and the rise of shadow banks. Journal of Financial Economics, 130(4), 453–483.

  4. Clapp, J. M., Deng, Y., & An, X. (2006). Unobserved heterogeneity in models of competing mortgage termination risks. Real Estate Economics, 34(2), 243–273.

  5. Dagher, J., & Fu, N. (2017). What fuels the boom drives the bust: Regulation and the mortgage crisis. The Economic Journal, 127(602), 996–1024.

  6. Demyanyk, Y., & Loutskina, E. (2016). Mortgage companies and regulatory arbitrage. Journal of Financial Economics, 122(2), 328–351.

  7. Downs, D., & Shi, L. (2015). The impact of reversing regulatory arbitrage on loan originations: Evidence from bank holding companies. Journal of Real Estate Finance and Economics, 50(3), 307–338.

  8. Elliehausen, G., Staten, M. E., & Steinbuks, J. (2008). The effect of prepayment penalties on the pricing of subprime mortgages. Journal of Economics and Business, 60(1–2), 33–46.

  9. Engel, K. C., & McCoy, P. A. (2011). The subprime virus: Reckless credit, regulatory failure, and next steps. Oxford University Press.

  10. Fuster, A., Plosser, M. & Vickery, J. (2018). Does CFPB Oversight Crimp Credit? Federal Reserve Bank of New York Staff Reports, No. 857.
    Paper not yet in RePEc: Add citation now
  11. Ganduri, R. (2022). What Drives Screening Incentives in Non-bank Mortgage Originators? Working Paper.
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  12. Gete, P., & Reher, M. (2021). Mortgage securitization and shadow bank lending. Review of Financial Studies, 34(5), 2236–2274.

  13. Huszár, Z. R., & Yu, W. (2019). Mortgage lending regulatory arbitrage: A cross-sectional analysis of nonbank lenders. Journal of Real Estate Research., 41(2), 219–248.
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  14. Keys, B. J., Mukherjee, T., Seru, A., & Vig, V. (2009). Financial regulation and securitization: Evidence from subprime loans. Journal of Monetary Economics., 56(5), 700–720.

  15. Kim, Y., Laufer, S., Pence, K. M., Stanton, R., & Wallace, N. (2018). Liquidity Crises in the Mortgage Market, Brookings Papers on Economic Activity. Spring, 347–413.

  16. LaCour-Little, M., & Holmes, C. (2008). Prepayment penalties in residential mortgage contracts: A cost-benefit analysis. Housing Policy Debate., 19(4), 631–673.
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  17. Pennington-Cross, A., & Ho, G. (2010). The termination of subprime hybrid and fixed-rate mortgages. Real Estate Economics, 38(3), 399–426.

  18. Rose, M. J. (2012). Origination channel, prepayment penalties and default. Real Estate Economics, 40(4), 663–708.

  19. Rose, M. J. (2013). Geographic variation in subprime loan features, foreclosures, and prepayments. Review of Economics and Statistics, 95(2), 563–590.

  20. Shi, L., & Zhang, Y. (2018). The effect of mortgage broker licensing under the originate-to-distribute model: Evidence from the U.S. Mortgage market. Journal of Financial Intermediation, 35, 70–85.

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  2. The Effect of Regulatory Oversight on Nonbank Mortgage Subsidiaries. (2024). Rose, Morgan ; Brastow, Raymond ; Balla, Eliana ; Edgel, Daniel.
    In: The Journal of Real Estate Finance and Economics.
    RePEc:kap:jrefec:v:68:y:2024:i:3:d:10.1007_s11146-022-09906-z.

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  10. The effect of mortgage broker licensing under the originate-to-distribute model: Evidence from the U.S. mortgage market. (2018). Zhang, Yan ; Shi, Lan.
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  11. Endogeneity in household mortgage choice. (2018). Doko Tchatoka, Firmin ; Yanotti, Maria B.
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  14. House price collapses: policy responses and lessons learned. (2017). MacFarlan, Maitland.
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  18. Mortgage Brokers, Origination Fees, Price Transparency and Competition. (2014). Ambrose, Brent ; Conklin, James N..
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  19. Price Dispersion in Mortgage Markets. (2014). Clark, Robert ; Allen, Jason ; Houde, Jean-Franois.
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  21. Minimizing predatory lending: Designing a long-term compensation structure to minimize the actions of opportunistic mortgage brokers. (2012). Ph, Tammy Huffman ; Payne, Patrick.
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