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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…
Research Notes

Remodeling Spending in Major Metropolitan Areas

Julia Reade • September 1, 2001

This paper is the first to give a detailed account of the variation of behavior across a large set of U.S. locations. Aside from a few articles that use simple variables to…
Working Papers

Residential Conversions

Julia Reade, Zhu Xiao Di • August 5, 2000

W00-5: The stock of residential units in the United States is constantly changing as units are added, demolished, or converted. This paper looks at the conversion of…