subject:(mortgage loans)

University of Johannesburg

1. Muchanya, George. The current dynamics and the future of mortgage distribution in South Africa.

Degree: 2014, University of Johannesburg

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M.B.A.

Estimated to contribute between 15-20% of earnings for each of South Africa's biggest four banks, ABSA, Nedcor, Standard Bank and FNB mortgages are the… (more)

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M.B.A.

Estimated to contribute between 15-20% of earnings for each of South Africa's biggest four banks, ABSA, Nedcor, Standard Bank and FNB mortgages are the biggest contributor to the banks' profits. The economic stability that followed the emerging market crisis buoyed the mortgage industry. This, and the growth of the 'previously disadvantaged' segment, with its historically low house ownership levels, has meant that the mortgage industry is the biggest and fastest growing industry in South Africa. The positive outlook of the South African mortgage industry created by the above factors has attracted new players into the industry at various levels of the value chain. The beginning of 1999 saw the launch of South African Home Loans (SAHL), a lender that focuses on low risk buyers. Latter in the same year various estate agents teamed up to form MortgageSA, now the biggest originator group in South Africa. SAHL by focusing on low risk clients was able to offer buyers very competitive rates thereby forcing the more established banks to give away significant discounts on new mortgages as a way of protecting their market share. The 'birth' of originators have had the same detrimental effect. The originators by obtaining exclusive rights to mortgage applications generated by the estate agents and latter 'selling' them to the banks have increased the banks' acquisition costs. In 2000 alone it was estimated that originators cost the banks an extra R24million. The overall effect of the increased acquisition costs and the rate discounting has been the decline of margins. The response of the banks to the declining margins has been to adopt a high volume, low margin strategy. This has forced the banks to focus on the control of distribution channels as a means of obtaining the required volumes. In South Africa mortgage origination is mostly controlled by the intermediary channels Le. estate agents and originators with relatively little business going through the direct channels Le. internet, branches, home loan consultants and call centres. Collectively intermediaries account for 75% of total originations and direct channels 25%. Whether or not this balance between intermediary and direct originations will be...

Subjects/Keywords: Mortgage loans - South Africa

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APA (6^th Edition):

Muchanya, G. (2014). The current dynamics and the future of mortgage distribution in South Africa. (Thesis). University of Johannesburg. Retrieved from http://hdl.handle.net/10210/9012

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Muchanya, George. “The current dynamics and the future of mortgage distribution in South Africa.” 2014. Thesis, University of Johannesburg. Accessed April 17, 2021. http://hdl.handle.net/10210/9012.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Muchanya, George. “The current dynamics and the future of mortgage distribution in South Africa.” 2014. Web. 17 Apr 2021.

Vancouver:

Muchanya G. The current dynamics and the future of mortgage distribution in South Africa. [Internet] [Thesis]. University of Johannesburg; 2014. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/10210/9012.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Muchanya G. The current dynamics and the future of mortgage distribution in South Africa. [Thesis]. University of Johannesburg; 2014. Available from: http://hdl.handle.net/10210/9012

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of British Columbia

2. Arron, Ian Laurie. An empirical examination : managing mortgage payment risk with options.

Degree: MS- MSc, Business Administration, 1987, University of British Columbia

URL: http://hdl.handle.net/2429/26055

► Canadian real estate investors who use variable rate mortgage financing assume a great deal of risk with regard to the cash flows resulting from the… (more)

Subjects/Keywords: Mortgages; Mortgage loans

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APA (6^th Edition):

Arron, I. L. (1987). An empirical examination : managing mortgage payment risk with options. (Masters Thesis). University of British Columbia. Retrieved from http://hdl.handle.net/2429/26055

Chicago Manual of Style (16^th Edition):

Arron, Ian Laurie. “An empirical examination : managing mortgage payment risk with options.” 1987. Masters Thesis, University of British Columbia. Accessed April 17, 2021. http://hdl.handle.net/2429/26055.

MLA Handbook (7^th Edition):

Arron, Ian Laurie. “An empirical examination : managing mortgage payment risk with options.” 1987. Web. 17 Apr 2021.

Vancouver:

Arron IL. An empirical examination : managing mortgage payment risk with options. [Internet] [Masters thesis]. University of British Columbia; 1987. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/2429/26055.

Council of Science Editors:

Arron IL. An empirical examination : managing mortgage payment risk with options. [Masters Thesis]. University of British Columbia; 1987. Available from: http://hdl.handle.net/2429/26055

University of Aberdeen

3. Koblyakova, Alla. Household's mortgage instrument choice in the United Kingdom.

Degree: PhD, 2013, University of Aberdeen

URL: https://abdn.alma.exlibrisgroup.com/view/delivery/44ABE_INST/12152685160005941 ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.606449

Subjects/Keywords: 658; Mortgage loans

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APA (6^th Edition):

Koblyakova, A. (2013). Household's mortgage instrument choice in the United Kingdom. (Doctoral Dissertation). University of Aberdeen. Retrieved from https://abdn.alma.exlibrisgroup.com/view/delivery/44ABE_INST/12152685160005941 ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.606449

Chicago Manual of Style (16^th Edition):

Koblyakova, Alla. “Household's mortgage instrument choice in the United Kingdom.” 2013. Doctoral Dissertation, University of Aberdeen. Accessed April 17, 2021. https://abdn.alma.exlibrisgroup.com/view/delivery/44ABE_INST/12152685160005941 ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.606449.

MLA Handbook (7^th Edition):

Koblyakova, Alla. “Household's mortgage instrument choice in the United Kingdom.” 2013. Web. 17 Apr 2021.

Vancouver:

Koblyakova A. Household's mortgage instrument choice in the United Kingdom. [Internet] [Doctoral dissertation]. University of Aberdeen; 2013. [cited 2021 Apr 17]. Available from: https://abdn.alma.exlibrisgroup.com/view/delivery/44ABE_INST/12152685160005941 ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.606449.

Council of Science Editors:

Koblyakova A. Household's mortgage instrument choice in the United Kingdom. [Doctoral Dissertation]. University of Aberdeen; 2013. Available from: https://abdn.alma.exlibrisgroup.com/view/delivery/44ABE_INST/12152685160005941 ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.606449

Vilnius University

4. Klupšaitė, Almantė. Būsto paskolų portfelis Baltijos šalyse: portfelį veikiančių veiksnių tyrimas.

Degree: Master, 2014, Vilnius University

URL: http://vddb.laba.lt/obj/LT-eLABa-0001:E.02~2010~D_20140625_185153-69410 ;

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Per paskutinį dešimtmetį Baltijos šalys išgyveno pilną ekonomikos ciklą - lėtą atsigavimą, spartų augimą ir staigų kritimą. Itin sparčiai vystėsi būsto paskolų ir nekilnojamojo turto… (more)

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Per paskutinį dešimtmetį Baltijos šalys išgyveno pilną ekonomikos ciklą - lėtą atsigavimą, spartų augimą ir staigų kritimą. Itin sparčiai vystėsi būsto paskolų ir nekilnojamojo turto rinka, todėl jau 2007 - 2008 metais buvo svarstoma dėl nekilnojamojo turto rinkos perkaitimo, nors dauguma gyventojų vis dar džiaugėsi galimybe be didesnių kliūčių gauti kreditą brangstančio būsto įsigijimui. Būgštavimai dėl ekonomikos ir jos atskirų sektorių perkaitimo buvo pagrįsti – Baltijos šalių ekonomikos 2009 m. smuko daugiausiai tarp visų ES valstybių. Taigi, įvykus nekilnojamojo turto sektoriaus ir būsto paskolų rinkos pakilimui bei nuosmukiui, galima ištirti būsto paskolų portfelį viso ekonominio ciklo periodu. Įvardinus veiksnius, labiausiai įtakojančius būsto paskolų portfelio augimą, būtų galima juos stebėti, bandyti pakeisti, ir taip ateityje išvengti potencialios ekonominės krizės arba sušvelninti galimus neigiamus ekonominio nuosmukio padarinius. Darbo tyrimo tikslas – ištirti makroekonominius veiksnius, darančius poveikį Lietuvos, Latvijos ir Estijos šalių būsto paskolų portfelio dinamikai. Darbo objektas yra Baltijos šalių būsto paskolų portfelis ir jį įtakojantys makroekonominiai veiksniai. Siekiant užsibrėžto tikslo, yra sprendžiami uždaviniai: 1) Išnagrinėti ekonominėje literatūroje pateikiamus modelius, tiriančius būsto paskolų portfelį. 2) Apibrėžti makroekonominius veiksnius, įtakojančius būsto paskolų portfelį. 3) Išanalizuoti būsto paskolų portfelio pokyčius Baltijos... [toliau žr. visą tekstą]

During the last decade Baltic countries experienced a full economic cycle – slow recovery, fast growth and sharp deterioration of whole economy. On the growth period the portfolio of mortgage loans and real estate market developed extremely rapidly, thus, since 2007 - 2008 there was discussions about the overheating of economies and bubbles of the real estate prices in the Baltic countries. However, the majority of the citizens were still taking advantage of easy accessible mortgage loans for the acquisition of desired real estate even prices were going upwards. Unfortunately, doubts about overheating of the separate parts of economies were reasonable and economies of the Baltic countries contracted the most among all EU. Therefore, with a full picture of economic cycle the analysis of portfolio of mortgage loans is being developed. Identification of the main factors that are determining growth of the portfolio of mortgage loans is important for developing a strategy to avoid possible economic crises in the future or to ease the negative effects of economic downturn. The aim of the paper – to find out the most important macroeconomic factors that are determining the dynamic of mortgage portfolio in Lithuania, Latvia and Estonia. The object of the paper – the mortgage portfolio of the three Baltic countries and macroeconomic factors of the mortgage portfolio. To reach the aim of the paper such tasks were developed: 1) Examine the theory and the models that are analyzing the... [to full text]

Advisors/Committee Members: Freitakas, Eduardas (Master's thesis supervisor).

Subjects/Keywords: Paskolų portfelis; Būsto paskolos; Baltijos šalių paskolų rinka; Paskolų rinką įtakojantys veiksniai./Portfolio of loans; Mortgage loans; Portfolio of mortgage loans in the Baltic countries; Factors of mortgage loans

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6^th Edition):

Klupšaitė, Almantė. (2014). Būsto paskolų portfelis Baltijos šalyse: portfelį veikiančių veiksnių tyrimas. (Masters Thesis). Vilnius University. Retrieved from http://vddb.laba.lt/obj/LT-eLABa-0001:E.02~2010~D_20140625_185153-69410 ;

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete

Chicago Manual of Style (16^th Edition):

Klupšaitė, Almantė. “Būsto paskolų portfelis Baltijos šalyse: portfelį veikiančių veiksnių tyrimas.” 2014. Masters Thesis, Vilnius University. Accessed April 17, 2021. http://vddb.laba.lt/obj/LT-eLABa-0001:E.02~2010~D_20140625_185153-69410 ;.

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete

MLA Handbook (7^th Edition):

Klupšaitė, Almantė. “Būsto paskolų portfelis Baltijos šalyse: portfelį veikiančių veiksnių tyrimas.” 2014. Web. 17 Apr 2021.

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete

Vancouver:

Klupšaitė, Almantė. Būsto paskolų portfelis Baltijos šalyse: portfelį veikiančių veiksnių tyrimas. [Internet] [Masters thesis]. Vilnius University; 2014. [cited 2021 Apr 17]. Available from: http://vddb.laba.lt/obj/LT-eLABa-0001:E.02~2010~D_20140625_185153-69410 ;.

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete

Council of Science Editors:

Klupšaitė, Almantė. Būsto paskolų portfelis Baltijos šalyse: portfelį veikiančių veiksnių tyrimas. [Masters Thesis]. Vilnius University; 2014. Available from: http://vddb.laba.lt/obj/LT-eLABa-0001:E.02~2010~D_20140625_185153-69410 ;

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete

Michigan State University

5. Corniel, Janet Pualani. The magnitude of mortgage redlining and its relationship to insurance patterns in urban environments.

Degree: M.U.R.P., Department of Geography, Urban & Regional Planning Program, 1995, Michigan State University

URL: http://etd.lib.msu.edu/islandora/object/etd:25804

Subjects/Keywords: Mortgage loans – Michigan; Discrimination in mortgage loans – Michigan

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6^th Edition):

Corniel, J. P. (1995). The magnitude of mortgage redlining and its relationship to insurance patterns in urban environments. (Masters Thesis). Michigan State University. Retrieved from http://etd.lib.msu.edu/islandora/object/etd:25804

Chicago Manual of Style (16^th Edition):

Corniel, Janet Pualani. “The magnitude of mortgage redlining and its relationship to insurance patterns in urban environments.” 1995. Masters Thesis, Michigan State University. Accessed April 17, 2021. http://etd.lib.msu.edu/islandora/object/etd:25804.

MLA Handbook (7^th Edition):

Corniel, Janet Pualani. “The magnitude of mortgage redlining and its relationship to insurance patterns in urban environments.” 1995. Web. 17 Apr 2021.

Vancouver:

Corniel JP. The magnitude of mortgage redlining and its relationship to insurance patterns in urban environments. [Internet] [Masters thesis]. Michigan State University; 1995. [cited 2021 Apr 17]. Available from: http://etd.lib.msu.edu/islandora/object/etd:25804.

Council of Science Editors:

Corniel JP. The magnitude of mortgage redlining and its relationship to insurance patterns in urban environments. [Masters Thesis]. Michigan State University; 1995. Available from: http://etd.lib.msu.edu/islandora/object/etd:25804

University of Hong Kong

6. Lai, Kwok-leung. Mortgage securitization: prepayment analysis of mortgage-backed securities.

Degree: 2000, University of Hong Kong

URL: http://hdl.handle.net/10722/36800

Subjects/Keywords: Mortgage loans - Mathematical models.; Mortgage loans - China - Hong Kong.

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APA (6^th Edition):

Lai, K. (2000). Mortgage securitization: prepayment analysis of mortgage-backed securities. (Thesis). University of Hong Kong. Retrieved from http://hdl.handle.net/10722/36800

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Lai, Kwok-leung. “Mortgage securitization: prepayment analysis of mortgage-backed securities.” 2000. Thesis, University of Hong Kong. Accessed April 17, 2021. http://hdl.handle.net/10722/36800.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Lai, Kwok-leung. “Mortgage securitization: prepayment analysis of mortgage-backed securities.” 2000. Web. 17 Apr 2021.

Vancouver:

Lai K. Mortgage securitization: prepayment analysis of mortgage-backed securities. [Internet] [Thesis]. University of Hong Kong; 2000. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/10722/36800.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Lai K. Mortgage securitization: prepayment analysis of mortgage-backed securities. [Thesis]. University of Hong Kong; 2000. Available from: http://hdl.handle.net/10722/36800

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Johannesburg

7. Molokomme, Nare Sylvia. Service quality expectations and perceptions of home loan customers.

Degree: 2014, University of Johannesburg

URL: http://hdl.handle.net/10210/11283

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M.Com. (Business Management)

Over the years, the competitive banking market had forced banks to be innovative in their products. However, regardless of how innovative banking… (more)

▼

M.Com. (Business Management)

Over the years, the competitive banking market had forced banks to be innovative in their products. However, regardless of how innovative banking products were, ‘service’ remained the backbone of banking products. With increasing access to information and alternative products, banking customers had more choices as to where to do business, based on the level of service they receive. They expected an exceptional delivery of customer service and were less tolerant of bad service. Customers usually compared the service they 'experienced' to the service they 'expected' when walking into a bank. When the two did not match, a gap arose. This study was undertaken to determine whether customers of a ‘home loan’ division of a South African bank perceived the bank’s service quality to be different to what they expected. It also sought to establish if there was a difference in how customers, in different demographics, evaluate the bank’s service quality. An online survey was used to gather information from banking customers on their judgment of the bank’s service quality, after which statistical tests were done to analyze the data. The study revealed that a gap indeed exists between the service quality customers expected and the service quality they actually received from the bank. Customers reported a dissatisfaction of the bank’s service quality with regards to their provision of reliability, responsiveness, assurance and empathy in their service delivery. With regards to the evaluation of the bank’s service quality of customers in different demographics, it was discovered that the 40-59 customer age group received the most empathy in service encounters with the bank, customers using property insurance and repayment related services perceived the bank’s service quality across all dimensions to be positive. Lastly, a positive correlation between the number of years customers have been with the bank and their perceptions of the bank’s provision of empathy was established.

Subjects/Keywords: Customer services; Mortgage loans; Banks and banking - Customer services

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APA (6^th Edition):

Molokomme, N. S. (2014). Service quality expectations and perceptions of home loan customers. (Thesis). University of Johannesburg. Retrieved from http://hdl.handle.net/10210/11283

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Molokomme, Nare Sylvia. “Service quality expectations and perceptions of home loan customers.” 2014. Thesis, University of Johannesburg. Accessed April 17, 2021. http://hdl.handle.net/10210/11283.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Molokomme, Nare Sylvia. “Service quality expectations and perceptions of home loan customers.” 2014. Web. 17 Apr 2021.

Vancouver:

Molokomme NS. Service quality expectations and perceptions of home loan customers. [Internet] [Thesis]. University of Johannesburg; 2014. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/10210/11283.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Molokomme NS. Service quality expectations and perceptions of home loan customers. [Thesis]. University of Johannesburg; 2014. Available from: http://hdl.handle.net/10210/11283

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Ghana

8. Adzorgenu-Amponsah, S.A.S. A Study of The Sources of Finance for Home Ownership in Ghana: Assessing the Role Of Mortgage Banks in Financing .

Degree: 2019, University of Ghana

URL: http://ugspace.ug.edu.gh/handle/123456789/31951

► Food, shelter and clothing are considered as the most basic necessities in life. Abraham Maslow in his Theory of Needs puts the need for shelter… (more)

▼ Food, shelter and clothing are considered as the most basic necessities in life. Abraham Maslow in his Theory of Needs puts the need for shelter as the next basic need after man has satisfied his need for food which is the first basic need man has. In this light, this study aimed at investigating the main source of finance for homeownership in Ghana as well as the contribution of mortgage loans on housing finances. The study adopted quantitative and qualitative research approaches and the research design adopted was the descriptive. Questionnaires were administered to 400 household members and interviews conducted for 5 officials of mortgage banks. This was how the data sampled and analysed was collected. The findings revealed that, Personal loans, Mortgage loans and Personal income were the major sources of finance for homeowners in Ghana with Personal income being the preferred choice of most people. The findings also revealed that, there was a low patronage of mortgage loans as a result of factors such as high interest rates, shorter repayment periods, modes of payment and cumbersome processes involved in the accessibility of mortgage loans. The findings also showed that, most of these homeowner or renters tend to use some portions of their personal income or savings to finance their homes and the proportion used mostly ranged between 10% - 40%. The findings also showed that, there was negative perception of mortgage loans from the perspective of Ghanaian homeowners due to reasons such as bad experiences, shorter repayment period of loans, high interest rates and mode of payment. The findings again showed that, over the years, some banks and mortgage firms have improved on their services especially with regards to attracting customers to patronize their loans. It was found that, banks such as Republic, Stanbic, and Fidelity as well as Ghana Home Loans(GHL) keep improving over the years. However, the current trend showed that, the leading banks where patronage of mortgages was first and second were Republic and GHL. Finally, the findings of the study showed that, Low Financial Literacy among Ghanaians, Credit Risk, and Low Access to long term funds, Bureaucracy with Property Registration, Inadequate Banking Sector Capacity, High Lending Rates, Low Income Levels and Length of Time of Foreclosing deals were all obstacles which hindered the development of the mortgage industry. From these findings therefore, the study recommends strongly to players within the mortgage industry to revise their policies especially on payment terms and interest rates and also adopt friendly policies in terms of treatment given to clients who default with loan repayment.

Subjects/Keywords: mortgage loans; homeownership; Personal income; Stanbic, and Fidelity Bank

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APA (6^th Edition):

Adzorgenu-Amponsah, S. A. S. (2019). A Study of The Sources of Finance for Home Ownership in Ghana: Assessing the Role Of Mortgage Banks in Financing . (Masters Thesis). University of Ghana. Retrieved from http://ugspace.ug.edu.gh/handle/123456789/31951

Chicago Manual of Style (16^th Edition):

Adzorgenu-Amponsah, S A S. “A Study of The Sources of Finance for Home Ownership in Ghana: Assessing the Role Of Mortgage Banks in Financing .” 2019. Masters Thesis, University of Ghana. Accessed April 17, 2021. http://ugspace.ug.edu.gh/handle/123456789/31951.

MLA Handbook (7^th Edition):

Adzorgenu-Amponsah, S A S. “A Study of The Sources of Finance for Home Ownership in Ghana: Assessing the Role Of Mortgage Banks in Financing .” 2019. Web. 17 Apr 2021.

Vancouver:

Adzorgenu-Amponsah SAS. A Study of The Sources of Finance for Home Ownership in Ghana: Assessing the Role Of Mortgage Banks in Financing . [Internet] [Masters thesis]. University of Ghana; 2019. [cited 2021 Apr 17]. Available from: http://ugspace.ug.edu.gh/handle/123456789/31951.

Council of Science Editors:

Adzorgenu-Amponsah SAS. A Study of The Sources of Finance for Home Ownership in Ghana: Assessing the Role Of Mortgage Banks in Financing . [Masters Thesis]. University of Ghana; 2019. Available from: http://ugspace.ug.edu.gh/handle/123456789/31951

Columbia University

9. Gupta, Arpit. Three Essays on Household Finance.

Degree: 2016, Columbia University

URL: https://doi.org/10.7916/D8TH8MTW

► This dissertation centers on the role of adverse shocks to household balance sheets in understanding consumer default behavior. The first chapter studies the role of… (more)

Subjects/Keywords: Mortgage loans; Households; Life change events; Foreclosure; Finance

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APA (6^th Edition):

Gupta, A. (2016). Three Essays on Household Finance. (Doctoral Dissertation). Columbia University. Retrieved from https://doi.org/10.7916/D8TH8MTW

Chicago Manual of Style (16^th Edition):

Gupta, Arpit. “Three Essays on Household Finance.” 2016. Doctoral Dissertation, Columbia University. Accessed April 17, 2021. https://doi.org/10.7916/D8TH8MTW.

MLA Handbook (7^th Edition):

Gupta, Arpit. “Three Essays on Household Finance.” 2016. Web. 17 Apr 2021.

Vancouver:

Gupta A. Three Essays on Household Finance. [Internet] [Doctoral dissertation]. Columbia University; 2016. [cited 2021 Apr 17]. Available from: https://doi.org/10.7916/D8TH8MTW.

Council of Science Editors:

Gupta A. Three Essays on Household Finance. [Doctoral Dissertation]. Columbia University; 2016. Available from: https://doi.org/10.7916/D8TH8MTW

Australian National University

10. Daniel, John. Prepayment modelling of (Australian) mortgage loans .

Degree: 2006, Australian National University

URL: http://hdl.handle.net/1885/109351

► The thesis is primarily an empirical investigation of Australian mortgage loan prepayment from a modelling perspective. The first objective of the research is to develop… (more)

Subjects/Keywords: Mortgage loans – Australia – Mathematical models

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APA (6^th Edition):

Daniel, J. (2006). Prepayment modelling of (Australian) mortgage loans . (Thesis). Australian National University. Retrieved from http://hdl.handle.net/1885/109351

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Daniel, John. “Prepayment modelling of (Australian) mortgage loans .” 2006. Thesis, Australian National University. Accessed April 17, 2021. http://hdl.handle.net/1885/109351.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Daniel, John. “Prepayment modelling of (Australian) mortgage loans .” 2006. Web. 17 Apr 2021.

Vancouver:

Daniel J. Prepayment modelling of (Australian) mortgage loans . [Internet] [Thesis]. Australian National University; 2006. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/1885/109351.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Daniel J. Prepayment modelling of (Australian) mortgage loans . [Thesis]. Australian National University; 2006. Available from: http://hdl.handle.net/1885/109351

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of British Columbia

11. Burns, David O. A comparison between metropolitan and non-metropolitan residential mortgage financing in British Columbia.

Degree: MS- MSc, Business Administration - Urban Land Economics, 1978, University of British Columbia

URL: http://hdl.handle.net/2429/20739

► It is the purpose of this study to explore regional variation in the source, allocation, and characteristics of residential mortgage financing in British Columbia. In… (more)

Subjects/Keywords: Mortgage loans – British Columbia

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6^th Edition):

Burns, D. O. (1978). A comparison between metropolitan and non-metropolitan residential mortgage financing in British Columbia. (Masters Thesis). University of British Columbia. Retrieved from http://hdl.handle.net/2429/20739

Chicago Manual of Style (16^th Edition):

Burns, David O. “A comparison between metropolitan and non-metropolitan residential mortgage financing in British Columbia.” 1978. Masters Thesis, University of British Columbia. Accessed April 17, 2021. http://hdl.handle.net/2429/20739.

MLA Handbook (7^th Edition):

Burns, David O. “A comparison between metropolitan and non-metropolitan residential mortgage financing in British Columbia.” 1978. Web. 17 Apr 2021.

Vancouver:

Burns DO. A comparison between metropolitan and non-metropolitan residential mortgage financing in British Columbia. [Internet] [Masters thesis]. University of British Columbia; 1978. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/2429/20739.

Council of Science Editors:

Burns DO. A comparison between metropolitan and non-metropolitan residential mortgage financing in British Columbia. [Masters Thesis]. University of British Columbia; 1978. Available from: http://hdl.handle.net/2429/20739

University of New South Wales

12. Pease, Andrew. Refinancing in the Australain mortgage market.

Degree: Commerce and Economics. Economics, 2000, University of New South Wales

URL: http://handle.unsw.edu.au/1959.4/62561 ; https://unsworks.unsw.edu.au/fapi/datastream/unsworks:58846/SOURCE01?view=true

Subjects/Keywords: Mortgage loans; Thesis Digitisation Program

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APA (6^th Edition):

Pease, A. (2000). Refinancing in the Australain mortgage market. (Masters Thesis). University of New South Wales. Retrieved from http://handle.unsw.edu.au/1959.4/62561 ; https://unsworks.unsw.edu.au/fapi/datastream/unsworks:58846/SOURCE01?view=true

Chicago Manual of Style (16^th Edition):

Pease, Andrew. “Refinancing in the Australain mortgage market.” 2000. Masters Thesis, University of New South Wales. Accessed April 17, 2021. http://handle.unsw.edu.au/1959.4/62561 ; https://unsworks.unsw.edu.au/fapi/datastream/unsworks:58846/SOURCE01?view=true.

MLA Handbook (7^th Edition):

Pease, Andrew. “Refinancing in the Australain mortgage market.” 2000. Web. 17 Apr 2021.

Vancouver:

Pease A. Refinancing in the Australain mortgage market. [Internet] [Masters thesis]. University of New South Wales; 2000. [cited 2021 Apr 17]. Available from: http://handle.unsw.edu.au/1959.4/62561 ; https://unsworks.unsw.edu.au/fapi/datastream/unsworks:58846/SOURCE01?view=true.

Council of Science Editors:

Pease A. Refinancing in the Australain mortgage market. [Masters Thesis]. University of New South Wales; 2000. Available from: http://handle.unsw.edu.au/1959.4/62561 ; https://unsworks.unsw.edu.au/fapi/datastream/unsworks:58846/SOURCE01?view=true

University of Florida

13. Blanco, Amanda N. Are There Racial Differences in Appropriate Mortgage Type Choice?.

Degree: MS, Family, Youth and Community Sciences, 2013, University of Florida

URL: https://ufdc.ufl.edu/UFE0046431

► Foreclosure remains one of the greatest threats to afamily’s financial security. Foreclosures have negative implications for wealth and credit (Bricker,Kennickell, Moore and Sabelhaus, 2012; Brevoort &… (more)

Subjects/Keywords: Consumer choice; Demography; Financial risk; Foreclosures; Home ownership; Information search; Literacy; Modeling; Mortgage loans; White people; arm – mortgage – race – type

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6^th Edition):

Blanco, A. N. (2013). Are There Racial Differences in Appropriate Mortgage Type Choice?. (Masters Thesis). University of Florida. Retrieved from https://ufdc.ufl.edu/UFE0046431

Chicago Manual of Style (16^th Edition):

Blanco, Amanda N. “Are There Racial Differences in Appropriate Mortgage Type Choice?.” 2013. Masters Thesis, University of Florida. Accessed April 17, 2021. https://ufdc.ufl.edu/UFE0046431.

MLA Handbook (7^th Edition):

Blanco, Amanda N. “Are There Racial Differences in Appropriate Mortgage Type Choice?.” 2013. Web. 17 Apr 2021.

Vancouver:

Blanco AN. Are There Racial Differences in Appropriate Mortgage Type Choice?. [Internet] [Masters thesis]. University of Florida; 2013. [cited 2021 Apr 17]. Available from: https://ufdc.ufl.edu/UFE0046431.

Council of Science Editors:

Blanco AN. Are There Racial Differences in Appropriate Mortgage Type Choice?. [Masters Thesis]. University of Florida; 2013. Available from: https://ufdc.ufl.edu/UFE0046431

Rutgers University

14. Christopoulos, Andreas D. Comparisons and extensions of structural and reduced form approaches to the pricing of commercial real estate securities and loans in the financial crisis (2007-2010) and the recovery (2013-2014).

Degree: PhD, Management, 2014, Rutgers University

URL: https://rucore.libraries.rutgers.edu/rutgers-lib/45620/

►

To date, the ~$1Trillion CMBS sector in the US does not actively utilize widely accepted advanced derivatives valuation methods. In the absence of risk neutral… (more)

▼

To date, the ~$1Trillion CMBS sector in the US does not actively utilize widely accepted advanced derivatives valuation methods. In the absence of risk neutral values for CMBS it is proposed here that risks of default were neither correctly anticipated nor priced in the Crisis (11/2007-12/2010) nor in the Recovery (1/2013-3/2014), thus far. If schisms between market and model prices enable one to secure excess returns then one may reasonably question the weak form efficiency of the CMBS sector. To investigate, I apply four model approaches (structural form, reduced form, generalization of calibrated simulation, and a special case of the generalization) in both the Crisis and the Recovery using two representative loan and bond samples on a daily basis. The key findings are: First, statistical analysis demonstrates the need for the generalized approach. The special case is misspecified and inadequate to the task of modeling CMBS default risk. Second , although the structural form yields results in keeping with the generalization, it too is insensitive to risks associated with loan characteristics, borrower behavior, and bond pricing. Third , the reduced form represents a comprehensive and better approach than all others. Building off details that characterize the generalized approach, the Cox Process of the reduced form has embedded within its design the capability to accurately evaluate complex economic relationships that govern the timing and amount of loan defaults. As the reduced form economy is robust, accurate pricing at the bond level is an immediate consequence, given accurate implementation. Finally , evidence indicates a sizable disconnect between fair value and market pricing with differentiation amongst the models. Trading tests and statistical analyses suggest an inefficient CMBS market evidenced by the earning of excess returns in backtesting. This dissertation provides valuable insights pertaining to CMBS risk estimation, the pricing of those risks, and CMBS market efficiency.

Advisors/Committee Members: Jarrow, Robert A (chair), Jones, Douglas (co-chair), Ruszczyński, Andrzej P (internal member), Ravid, S Abraham (outside member).

Subjects/Keywords: Real estate investment – Finance; Mortgage loans – United States; Financial crises – United States; Commercial mortgage-backed securitisation

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APA (6^th Edition):

Christopoulos, A. D. (2014). Comparisons and extensions of structural and reduced form approaches to the pricing of commercial real estate securities and loans in the financial crisis (2007-2010) and the recovery (2013-2014). (Doctoral Dissertation). Rutgers University. Retrieved from https://rucore.libraries.rutgers.edu/rutgers-lib/45620/

Chicago Manual of Style (16^th Edition):

Christopoulos, Andreas D. “Comparisons and extensions of structural and reduced form approaches to the pricing of commercial real estate securities and loans in the financial crisis (2007-2010) and the recovery (2013-2014).” 2014. Doctoral Dissertation, Rutgers University. Accessed April 17, 2021. https://rucore.libraries.rutgers.edu/rutgers-lib/45620/.

MLA Handbook (7^th Edition):

Christopoulos, Andreas D. “Comparisons and extensions of structural and reduced form approaches to the pricing of commercial real estate securities and loans in the financial crisis (2007-2010) and the recovery (2013-2014).” 2014. Web. 17 Apr 2021.

Vancouver:

Christopoulos AD. Comparisons and extensions of structural and reduced form approaches to the pricing of commercial real estate securities and loans in the financial crisis (2007-2010) and the recovery (2013-2014). [Internet] [Doctoral dissertation]. Rutgers University; 2014. [cited 2021 Apr 17]. Available from: https://rucore.libraries.rutgers.edu/rutgers-lib/45620/.

Council of Science Editors:

Christopoulos AD. Comparisons and extensions of structural and reduced form approaches to the pricing of commercial real estate securities and loans in the financial crisis (2007-2010) and the recovery (2013-2014). [Doctoral Dissertation]. Rutgers University; 2014. Available from: https://rucore.libraries.rutgers.edu/rutgers-lib/45620/

University of Arizona

15. Boswell, Dennis Kirk, 1937-. A profitability analysis of bank-owned vs. investor-owned real estate loans .

Degree: 1967, University of Arizona

URL: http://hdl.handle.net/10150/318659

Subjects/Keywords: Valley National Bank of Arizona.; Bank loans.; Mortgage loans.

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APA (6^th Edition):

Boswell, Dennis Kirk, 1. (1967). A profitability analysis of bank-owned vs. investor-owned real estate loans . (Masters Thesis). University of Arizona. Retrieved from http://hdl.handle.net/10150/318659

Chicago Manual of Style (16^th Edition):

Boswell, Dennis Kirk, 1937-. “A profitability analysis of bank-owned vs. investor-owned real estate loans .” 1967. Masters Thesis, University of Arizona. Accessed April 17, 2021. http://hdl.handle.net/10150/318659.

MLA Handbook (7^th Edition):

Boswell, Dennis Kirk, 1937-. “A profitability analysis of bank-owned vs. investor-owned real estate loans .” 1967. Web. 17 Apr 2021.

Vancouver:

Boswell, Dennis Kirk 1. A profitability analysis of bank-owned vs. investor-owned real estate loans . [Internet] [Masters thesis]. University of Arizona; 1967. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/10150/318659.

Council of Science Editors:

Boswell, Dennis Kirk 1. A profitability analysis of bank-owned vs. investor-owned real estate loans . [Masters Thesis]. University of Arizona; 1967. Available from: http://hdl.handle.net/10150/318659

Brno University of Technology

16. Valachová, Michaela. Financování koupě bytu do osobního vlastnictví v současných podmínkách České republiky: Financing the Purchase of a Flat for Private Ownership in the Current Conditions of the Czech Republic.

Degree: 2019, Brno University of Technology

URL: http://hdl.handle.net/11012/8179

This thesis analyzes the possibilities of financing own housing in the current conditions of the Czech Republic. Searches for a suitable combination of loan products in order to find the optimal variant financing housing situation of the client. Advisors/Committee Members: Rejnuš, Oldřich (advisor), Münster, Jaroslav (referee).

Subjects/Keywords: Financování bydlení; stavební spoření; úvěry ze stavebního spoření; hypotéční úvěry; Housing financing; buildig savings; loans from buildig savings; mortgage loans

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APA (6^th Edition):

Valachová, M. (2019). Financování koupě bytu do osobního vlastnictví v současných podmínkách České republiky: Financing the Purchase of a Flat for Private Ownership in the Current Conditions of the Czech Republic. (Thesis). Brno University of Technology. Retrieved from http://hdl.handle.net/11012/8179

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Valachová, Michaela. “Financování koupě bytu do osobního vlastnictví v současných podmínkách České republiky: Financing the Purchase of a Flat for Private Ownership in the Current Conditions of the Czech Republic.” 2019. Thesis, Brno University of Technology. Accessed April 17, 2021. http://hdl.handle.net/11012/8179.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Valachová, Michaela. “Financování koupě bytu do osobního vlastnictví v současných podmínkách České republiky: Financing the Purchase of a Flat for Private Ownership in the Current Conditions of the Czech Republic.” 2019. Web. 17 Apr 2021.

Vancouver:

Valachová M. Financování koupě bytu do osobního vlastnictví v současných podmínkách České republiky: Financing the Purchase of a Flat for Private Ownership in the Current Conditions of the Czech Republic. [Internet] [Thesis]. Brno University of Technology; 2019. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/11012/8179.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Valachová M. Financování koupě bytu do osobního vlastnictví v současných podmínkách České republiky: Financing the Purchase of a Flat for Private Ownership in the Current Conditions of the Czech Republic. [Thesis]. Brno University of Technology; 2019. Available from: http://hdl.handle.net/11012/8179

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Temple University

17. Nier, III Charles, Lewis. Race Financial Institutions, Credit Discrimination And African American Homeownership In Philadelphia, 1880-1960.

Degree: PhD, 2011, Temple University

URL: http://digital.library.temple.edu/u?/p245801coll10,147848

►

History

In the wake of Emancipation, African Americans viewed land and home ownership as an essential element of their "citizenship rights." However, efforts to achieve… (more)

▼

History

In the wake of Emancipation, African Americans viewed land and home ownership as an essential element of their "citizenship rights." However, efforts to achieve such ownership in the postbellum era were often stymied by credit discrimination as many blacks were ensnared in a system of debt peonage. Despite such obstacles, African Americans achieved land ownership in surprising numbers in rural and urban areas in the South. At the beginning of the twentieth century, millions of African Americans began leaving the South for the North with continued aspirations of homeownership. As blacks sought to fulfill the American Dream, many financial institutions refused to provide loans to them or provided loans with onerous terms and conditions. In response, a small group of African American leaders, working in conjunction with a number of the major black churches in Philadelphia, built the largest network of race financial institutions in the United States to provide credit to black home buyers. The leaders recognized economic development through homeownership as an integral piece of the larger civil rights movement dedicated to challenging white supremacy. The race financial institutions successfully provided hundreds of mortgage loans to African Americans and were a key reason for the tripling of the black homeownership rate in Philadelphia from 1910 to 1930. During the Great Depression, the federal government revolutionized home financing with a series of programs that greatly expanded homeownership. However, the programs, such as those of the Federal Housing Administration, resulted in blacks being subjected to redlining and denied access to credit. In response, blacks were often forced to turn to alternative sources of high cost credit to finance the purchase of homes. Nevertheless, as a new wave of African American migrants arrived to Philadelphia during post-World War II era, blacks fought to purchase homes and two major race financial institutions continued to provide mortgage loans to African Americans in Philadelphia. The resolve of blacks to overcome credit discrimination to purchase homes through the creation of race financial institutions was a key part of the broader struggle for civil rights in the United States.

Temple University – Theses

Advisors/Committee Members: Jenkins, Wilbert L., Kusmer, Kenneth L., Collier-Thomas, Bettye, Goldstein, Ira.

Subjects/Keywords: American History; Black History; Banking; black; civil rights; discrimination; homeownership; mortgage loans; redlining

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6^th Edition):

Nier, III Charles, L. (2011). Race Financial Institutions, Credit Discrimination And African American Homeownership In Philadelphia, 1880-1960. (Doctoral Dissertation). Temple University. Retrieved from http://digital.library.temple.edu/u?/p245801coll10,147848

Chicago Manual of Style (16^th Edition):

Nier, III Charles, Lewis. “Race Financial Institutions, Credit Discrimination And African American Homeownership In Philadelphia, 1880-1960.” 2011. Doctoral Dissertation, Temple University. Accessed April 17, 2021. http://digital.library.temple.edu/u?/p245801coll10,147848.

MLA Handbook (7^th Edition):

Nier, III Charles, Lewis. “Race Financial Institutions, Credit Discrimination And African American Homeownership In Philadelphia, 1880-1960.” 2011. Web. 17 Apr 2021.

Vancouver:

Nier, III Charles L. Race Financial Institutions, Credit Discrimination And African American Homeownership In Philadelphia, 1880-1960. [Internet] [Doctoral dissertation]. Temple University; 2011. [cited 2021 Apr 17]. Available from: http://digital.library.temple.edu/u?/p245801coll10,147848.

Council of Science Editors:

Nier, III Charles L. Race Financial Institutions, Credit Discrimination And African American Homeownership In Philadelphia, 1880-1960. [Doctoral Dissertation]. Temple University; 2011. Available from: http://digital.library.temple.edu/u?/p245801coll10,147848

Penn State University

18. Conklin, James Neil. Essays on Mortgage Broker, Borrower, and Lender Behavior in the Subprime Mortgage Market.

Degree: 2014, Penn State University

URL: https://submit-etda.libraries.psu.edu/catalog/21988

► This dissertation presents three essays on the behavior of mortgage brokers, borrowers, and lenders in the subprime mortgage market. In the first essay, I examine… (more)

▼ This dissertation presents three essays on the behavior of mortgage brokers, borrowers, and lenders in the subprime mortgage market. In the first essay, I examine the relationship between the type of broker-borrower interaction in the origination process and subsequent mortgage performance. I show that face-to-face interaction between a mortgage broker and borrower before the loan funds is associated with lower levels of ex post default. This relation holds only for loans that have certain characteristics associated with low levels of financial literacy. Specifically, face-to-face interaction is negatively related to default for minorities, borrowers located in areas with low levels of education, low-income borrowers, and borrowers with low FICO scores. Additionally, a face-to-face meeting between the mortgage broker and the borrower is associated with lower default rates on cash-out loans, which brokers often originated as "credit-repair" loans. Moreover, the relation between default and broker-borrower interaction is significant only for certain loan products (ARMs, low-doc) that have been linked to low levels of financial literacy. Taken together, these results suggest that face-to-face interaction between the mortgage broker and borrower may reduce problems associated with financial illiteracy. In the second essay I explore differences in low-doc mortgages across employment types. Evidence suggests that stated income documentation mortgages, or "liars' loans," are used to falsify income so that borrowers can obtain mortgages that would be deemed unaffordable by traditional underwriting standards. By examining differences in stated income loans across employment types (e.g. self-employed versus W2 borrowers), I show that not all lies are created equal. My results demonstrate that high default rates for stated income loans are driven by W2 borrowers. For self-employed borrowers, default is not significantly related to the level of income documentation. Also, I find that income falsification is problematic only on stated income loans to W2 borrowers. In addition, I provide evidence that selection effects before the loan funds, at both the lender and borrower level, exist on stated income loans. Taken together, the results indicate that important differences exist between stated income loans to W2 borrowers versus low-doc loans to self-employed borrowers. The third essay investigates real earnings management in the context of the residential mortgage market. Specifically, I try to determine if the lender originates lower quality loans to meet earnings benchmarks. My results are consistent with the lender lowering origination standards to manipulate earnings. Depending on the specification, loans originated in the final month of income constrained quarters are 27% - 34% more likely to default, ceteris paribus. Furthermore, expected default rates, based on ex ante risk characteristics observable at origination, are higher in the final month of income constrained quarters. In addition, I try to… Advisors/Committee Members: Brent William Ambrose, Dissertation Advisor/Co-Advisor, Brent William Ambrose, Committee Chair/Co-Chair, Austin Jay Jaffe, Committee Member, N Edward Coulson, Committee Member, Jiro Yoshida, Committee Member, Michelle Lowry, Special Member.

Subjects/Keywords: Financial literacy; brokerage; mortgage default; subprime; liars' loans; income documentation; real earnings management

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6^th Edition):

Conklin, J. N. (2014). Essays on Mortgage Broker, Borrower, and Lender Behavior in the Subprime Mortgage Market. (Thesis). Penn State University. Retrieved from https://submit-etda.libraries.psu.edu/catalog/21988

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Conklin, James Neil. “Essays on Mortgage Broker, Borrower, and Lender Behavior in the Subprime Mortgage Market.” 2014. Thesis, Penn State University. Accessed April 17, 2021. https://submit-etda.libraries.psu.edu/catalog/21988.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Conklin, James Neil. “Essays on Mortgage Broker, Borrower, and Lender Behavior in the Subprime Mortgage Market.” 2014. Web. 17 Apr 2021.

Vancouver:

Conklin JN. Essays on Mortgage Broker, Borrower, and Lender Behavior in the Subprime Mortgage Market. [Internet] [Thesis]. Penn State University; 2014. [cited 2021 Apr 17]. Available from: https://submit-etda.libraries.psu.edu/catalog/21988.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Conklin JN. Essays on Mortgage Broker, Borrower, and Lender Behavior in the Subprime Mortgage Market. [Thesis]. Penn State University; 2014. Available from: https://submit-etda.libraries.psu.edu/catalog/21988

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

19. Bergman, Harlan W. The Impact of Monetary Policy on Mortgage Investments in 1966 with Specific Reference to Life Insurance Companies .

Degree: 1969, Drake U

URL: http://hdl.handle.net/2092/1244

Subjects/Keywords: Monetary policy; Insurance, Life; Mortgage loans

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APA (6^th Edition):

Bergman, H. W. (1969). The Impact of Monetary Policy on Mortgage Investments in 1966 with Specific Reference to Life Insurance Companies . (Thesis). Drake U. Retrieved from http://hdl.handle.net/2092/1244

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Bergman, Harlan W. “The Impact of Monetary Policy on Mortgage Investments in 1966 with Specific Reference to Life Insurance Companies .” 1969. Thesis, Drake U. Accessed April 17, 2021. http://hdl.handle.net/2092/1244.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Bergman, Harlan W. “The Impact of Monetary Policy on Mortgage Investments in 1966 with Specific Reference to Life Insurance Companies .” 1969. Web. 17 Apr 2021.

Vancouver:

Bergman HW. The Impact of Monetary Policy on Mortgage Investments in 1966 with Specific Reference to Life Insurance Companies . [Internet] [Thesis]. Drake U; 1969. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/2092/1244.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Bergman HW. The Impact of Monetary Policy on Mortgage Investments in 1966 with Specific Reference to Life Insurance Companies . [Thesis]. Drake U; 1969. Available from: http://hdl.handle.net/2092/1244

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Hong Kong

20. Lui, Sai-yan. Road for reverse mortgage programme in Hong Kong : a study of consumer's perception.

Degree: 2014, University of Hong Kong

URL: http://hdl.handle.net/10722/207665

► Reverse Mortgage Programme (“RMP”) was launched in Hong Kong on 11th July 2011. It aims to help the elderly to improve the living standard. Since… (more)

Subjects/Keywords: Mortgage loans; Reverse - China - Hong Kong

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APA (6^th Edition):

Lui, S. (2014). Road for reverse mortgage programme in Hong Kong : a study of consumer's perception. (Thesis). University of Hong Kong. Retrieved from http://hdl.handle.net/10722/207665

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Lui, Sai-yan. “Road for reverse mortgage programme in Hong Kong : a study of consumer's perception.” 2014. Thesis, University of Hong Kong. Accessed April 17, 2021. http://hdl.handle.net/10722/207665.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Lui, Sai-yan. “Road for reverse mortgage programme in Hong Kong : a study of consumer's perception.” 2014. Web. 17 Apr 2021.

Vancouver:

Lui S. Road for reverse mortgage programme in Hong Kong : a study of consumer's perception. [Internet] [Thesis]. University of Hong Kong; 2014. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/10722/207665.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Lui S. Road for reverse mortgage programme in Hong Kong : a study of consumer's perception. [Thesis]. University of Hong Kong; 2014. Available from: http://hdl.handle.net/10722/207665

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Hong Kong

21. 黃錫勤. From the user's perspective : how do we explain the low participation rate of the reverse mortgage programme (RMP)?.

Degree: 2015, University of Hong Kong

URL: http://hdl.handle.net/10722/221298

► Our society is facing the pressure of medical resources and social security which are emerged by the general longer life expectancy. The quality of elderly… (more)

▼ Our society is facing the pressure of medical resources and social security which are emerged by the general longer life expectancy. The quality of elderly retirement life may be also affected by the same problem and inflation, they may not have enough financial resource to maintenance a respectable retirement life. Although the care of the elderly by their offspring is a well-established Chinese traditional culture, some offspring may not able to provide a good (financial) support to their elderly parents or some elderly without offspring, which make the problem being even more serious. To solve the problem, the Government launched the Reverse Mortgage Programme (RMP) through The Hong Kong Mortgage Corporation Limited from 2011 to current. The primary purpose of RMP is to unlock the assets of the property for cash flow. Similar programmes were practiced in other countries and received public support. However, in Hong Kong, the programme did not have a desirable result since the launch, and the participation rate was only a very small portion of the eligible target customers. Through the questionnaire and in-depth interviews, the investigator would like to have a better understanding what problem(s) caused the elderly home owners reluctance to join RMP. Through primary data collection and analysis, the investigator found that RMP is useful to some of the elderly home owners – those who tend to be self-reliant and did not need to worry about their children’s future. The programme can truly unlock the property value and offer them a quality retirement life. Some internal problems of RMP such as poor economic return, a failed marketing strategy, unreliable bank image etc. which made RMP an unattractive financial product. When the product’s marketing mix is lower than the consumer expectation and the product cannot satisfy the end-user needs, it will only lead to a negative effect such as low participation rate. The external factors as cultural different between Eastern and Western society, the care of the elderly for the future of the offspring all affect the decision of elderly home owners. With the combination of the internal and external factors associated with RMP, it is not surprising that the elderly home owners prefer to leave property to their children instead of joining the RMP.

Subjects/Keywords: Mortgage loans; Reverse - China - Hong Kong

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6^th Edition):

黃錫勤. (2015). From the user's perspective : how do we explain the low participation rate of the reverse mortgage programme (RMP)?. (Thesis). University of Hong Kong. Retrieved from http://hdl.handle.net/10722/221298

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

黃錫勤. “From the user's perspective : how do we explain the low participation rate of the reverse mortgage programme (RMP)?.” 2015. Thesis, University of Hong Kong. Accessed April 17, 2021. http://hdl.handle.net/10722/221298.

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

黃錫勤. “From the user's perspective : how do we explain the low participation rate of the reverse mortgage programme (RMP)?.” 2015. Web. 17 Apr 2021.

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete

Vancouver:

黃錫勤. From the user's perspective : how do we explain the low participation rate of the reverse mortgage programme (RMP)?. [Internet] [Thesis]. University of Hong Kong; 2015. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/10722/221298.

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

黃錫勤. From the user's perspective : how do we explain the low participation rate of the reverse mortgage programme (RMP)?. [Thesis]. University of Hong Kong; 2015. Available from: http://hdl.handle.net/10722/221298

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete
Not specified: Masters Thesis or Doctoral Dissertation

Rutgers University

22. Glock, Earl Ferdinand, 1981-. The search for a balanced economy: the origins of the mortgage market and bank bailouts, 1913-1939.

Degree: PhD, History, 2016, Rutgers University

URL: https://rucore.libraries.rutgers.edu/rutgers-lib/51296/

►

This dissertation describes how a movement for economic balance through finance reshaped American capitalism and American government from the Progressive Era through the New Deal.… (more)

Subjects/Keywords: Monetary policy – United States; Banks and banking, Central – United States; Mortgage loans – United States – History

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APA (6^th Edition):

Glock, Earl Ferdinand, 1. (2016). The search for a balanced economy: the origins of the mortgage market and bank bailouts, 1913-1939. (Doctoral Dissertation). Rutgers University. Retrieved from https://rucore.libraries.rutgers.edu/rutgers-lib/51296/

Chicago Manual of Style (16^th Edition):

Glock, Earl Ferdinand, 1981-. “The search for a balanced economy: the origins of the mortgage market and bank bailouts, 1913-1939.” 2016. Doctoral Dissertation, Rutgers University. Accessed April 17, 2021. https://rucore.libraries.rutgers.edu/rutgers-lib/51296/.

MLA Handbook (7^th Edition):

Glock, Earl Ferdinand, 1981-. “The search for a balanced economy: the origins of the mortgage market and bank bailouts, 1913-1939.” 2016. Web. 17 Apr 2021.

Vancouver:

Glock, Earl Ferdinand 1. The search for a balanced economy: the origins of the mortgage market and bank bailouts, 1913-1939. [Internet] [Doctoral dissertation]. Rutgers University; 2016. [cited 2021 Apr 17]. Available from: https://rucore.libraries.rutgers.edu/rutgers-lib/51296/.

Council of Science Editors:

Glock, Earl Ferdinand 1. The search for a balanced economy: the origins of the mortgage market and bank bailouts, 1913-1939. [Doctoral Dissertation]. Rutgers University; 2016. Available from: https://rucore.libraries.rutgers.edu/rutgers-lib/51296/

North-West University

23. Senosi, Mmamontsho Charlotte. Discrete time modeling of subprime mortgage credit / M.C. Senosi .

Degree: 2010, North-West University

URL: http://hdl.handle.net/10394/4383

► Many analysts believe that problems in the United States housing market initiated the 2007-2009 global financial crisis. In this regard, the subprime mortgage crisis (SMC)… (more)

▼ Many analysts believe that problems in the United States housing market initiated the 2007-2009 global financial crisis. In this regard, the subprime mortgage crisis (SMC) shook the foundations of the financial industry by causing the failure of many iconic Wall Street investment banks and prominent depository institutions. This crisis stymied credit extension to households and businesses thus creating credit crunches and, ultimately, a global recession. This thesis specifically discusses the SMC and its components, causes, consequences and cures in relation to subprime mortgage origination, data as well as bank bailouts. In particular, the SMC has highlighted the fact that risk, credit ratings, profit and valuation as well as capital regulation are important banking considerations. With regard to risk, the thesis discusses credit (including counterparty), market (including interest rate, basis, prepayment, liquidity and price), tranching (including maturity mismatch and synthetic), operational (including house appraisal, valuation and compensation) and systemic (including maturity transformation) risks. The thesis introduces the IDIOM hypothesis that postulates that the SMC was largely caused by the intricacy and design of subprime agents, mortgage origination that led to information problems (loss, asymmetry and contagion), valuation opaqueness and ineffective risk mitigation. It also contains appropriate examples, discussions, timelines as well as appendices about the main results on the aforementioned topics. Numerous references point to the material not covered in the thesis, and indicate some avenues for further research. In the sequel, the banks that we study are subprime interbank lenders (SILs), subprime originators (SORs), subprime dealer banks (SDBs) and their special purpose vehicles (SPVs) such as Wall Street investment banks and their special structures as well as subprime investing banks (SIBs). Furthermore, the primary subprime agents that we consider are house appraisers (HAs), mortgage brokers (MBs), mortgagors (MRs), servicers (SRs), trustees, underwriters and credit enhancement providers (CEPs). Also, the insurers involved in the subprime market are originator mortgage insurers (OMIs) and monoline insurers (MLIs). The main components of the SMC are MRs, the housing market, SDBs/hedge funds/money market funds/SIBs, the economy as well as the government (G) and central banks. Here, G either plays a regulatory, bailout or policymaking role. Most of the aforementioned banks and agents are assumed to be risk neutral with SOR being the exception since it can be risk (and regret) averse on occasion. The three main aspects of the SMC - subprime mortgage origination, data and bailouts - that we cover in this thesis and the chapters in which they are found are outlined below. In Chapter 2, we discuss the dynamics of SORs' capital, information, ratings, risk and valuation under mortgage origination. In particular, we model subprime mortgages that are able to fully amortize,…

Subjects/Keywords: Discrete-time modeling; Basel II; Subprime mortgage crisis (SMC); Bank bailouts; Credit risk; House prices; Loan-to-value ratio (LTVR); Subprime residential mortgage loans (RMLs); Mortgage interest rates; Liquidity

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APA (6^th Edition):

Senosi, M. C. (2010). Discrete time modeling of subprime mortgage credit / M.C. Senosi . (Thesis). North-West University. Retrieved from http://hdl.handle.net/10394/4383

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Senosi, Mmamontsho Charlotte. “Discrete time modeling of subprime mortgage credit / M.C. Senosi .” 2010. Thesis, North-West University. Accessed April 17, 2021. http://hdl.handle.net/10394/4383.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Senosi, Mmamontsho Charlotte. “Discrete time modeling of subprime mortgage credit / M.C. Senosi .” 2010. Web. 17 Apr 2021.

Vancouver:

Senosi MC. Discrete time modeling of subprime mortgage credit / M.C. Senosi . [Internet] [Thesis]. North-West University; 2010. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/10394/4383.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Senosi MC. Discrete time modeling of subprime mortgage credit / M.C. Senosi . [Thesis]. North-West University; 2010. Available from: http://hdl.handle.net/10394/4383

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

North-West University

24. Thomas, Soby. Residential mortgage loan securitization and the subprime crisis / S. Thomas .

Degree: 2010, North-West University

URL: http://hdl.handle.net/10394/4591

► Many analysts believe that problems in the U.S. housing market initiated the 2008–2010 global financial crisis. In this regard, the subprime mortgage crisis (SMC) shook… (more)

▼ Many analysts believe that problems in the U.S. housing market initiated the 2008–2010 global financial crisis. In this regard, the subprime mortgage crisis (SMC) shook the foundations of the financial industry by causing the failure of many iconic Wall Street investment banks and prominent depository institutions. This crisis stymied credit extension to households and businesses thus creating credit crunches and, ultimately, a global recession. This thesis specifically discusses the SMC and its components, causes, consequences and cures in relation to subprime mortgages, securitization, as well as data. In particular, the SMC has highlighted the fact that risk, credit ratings, profit and valuation as well as capital regulation are important banking considerations. With regard to risk, the thesis discusses credit (including counterparty), market (including interest rate, basis, prepayment, liquidity and price), tranching (including maturity mismatch and synthetic), operational (including house appraisal, valuation and compensation) and systemic (including maturity transformation) risks. The thesis introduces the IDIOM hypothesis that postulates that the SMC was largely caused by the intricacy and design of subprime agents, mortgage origination and securitization that led to information problems (loss, asymmetry and contagion), valuation opaqueness and ineffective risk mitigation. It also contains appropriate examples, discussions, timelines as well as appendices about the main results on the aforementioned topics. Numerous references point to the material not covered in the thesis, and indicate some avenues for further research. In the thesis, the primary subprime agents that we consider are house appraisers (HAs), mortgage brokers (MBs), mortgagors (MRs), servicers (SRs), SOR mortgage insurers (SOMIs), trustees, underwriters, credit rating agencies (CRAs), credit enhancement providers (CEPs) and monoline insurers (MLIs). Furthermore, the banks that we study are subprime interbank lenders (SILs), subprime originators (SORs), subprime dealer banks (SDBs) and their special purpose vehicles (SPVs) such as Wall Street investment banks and their special structures as well as subprime investing banks (SIBs). The main components of the SMC are MRs, the housing market, SDBs/hedge funds/money market funds/SIBs, the economy as well as the government (G) and central banks. Here, G either plays a regulatory or policymaking role. Most of the aforementioned agents and banks are assumed to be risk neutral with SOR being the exception since it can be risk (and regret) averse on occasion. The main aspects of the SMC - subprime mortgages, securitization, as well as data - that we cover in this thesis and the chapters in which they are found are outlined below. In Chapter 2, we discuss the dynamics of subprime SORs' risk and profit as well as their valuation under mortgage origination. In particular, we model subprime mortgages that are able to fully amortize, voluntarily prepay or default and construct a…

Subjects/Keywords: House prices; Loan-to-Value Ratio (LTVR); Subprime originators (SORs); Mortgagors (MRs); Subprime residential mortgage loans (RMLs); Mortgage interest rates; Credit risk; Credit ratings agency (CRA); Subprime originator mortgage insurance (OMI); Subprime mortgage crisis (SMC); Subprime investing banks (SIB); Residential mortgage-backed securities (RMBSs); Collateralized debt obligations (CDOs); Basel capital regulation; Slack constrains; Holding constrains; Mortgage quantity and pricing

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6^th Edition):

Thomas, S. (2010). Residential mortgage loan securitization and the subprime crisis / S. Thomas . (Thesis). North-West University. Retrieved from http://hdl.handle.net/10394/4591

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Thomas, Soby. “Residential mortgage loan securitization and the subprime crisis / S. Thomas .” 2010. Thesis, North-West University. Accessed April 17, 2021. http://hdl.handle.net/10394/4591.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Thomas, Soby. “Residential mortgage loan securitization and the subprime crisis / S. Thomas .” 2010. Web. 17 Apr 2021.

Vancouver:

Thomas S. Residential mortgage loan securitization and the subprime crisis / S. Thomas . [Internet] [Thesis]. North-West University; 2010. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/10394/4591.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Thomas S. Residential mortgage loan securitization and the subprime crisis / S. Thomas . [Thesis]. North-West University; 2010. Available from: http://hdl.handle.net/10394/4591

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Hong Kong

25. 吳香穎. An investigation of regulatory changes and real estate credit in episodes of financial instability.

Degree: 2006, University of Hong Kong

URL: http://hdl.handle.net/10722/52580

Subjects/Keywords: Mortgage loans.; Investment banking - Deregulation.; Financial crises.

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6^th Edition):

吳香穎.. (2006). An investigation of regulatory changes and real estate credit in episodes of financial instability. (Thesis). University of Hong Kong. Retrieved from http://hdl.handle.net/10722/52580

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

吳香穎.. “An investigation of regulatory changes and real estate credit in episodes of financial instability.” 2006. Thesis, University of Hong Kong. Accessed April 17, 2021. http://hdl.handle.net/10722/52580.

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

吳香穎.. “An investigation of regulatory changes and real estate credit in episodes of financial instability.” 2006. Web. 17 Apr 2021.

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete

Vancouver:

吳香穎.. An investigation of regulatory changes and real estate credit in episodes of financial instability. [Internet] [Thesis]. University of Hong Kong; 2006. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/10722/52580.

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

吳香穎.. An investigation of regulatory changes and real estate credit in episodes of financial instability. [Thesis]. University of Hong Kong; 2006. Available from: http://hdl.handle.net/10722/52580

Note: this citation may be lacking information needed for this citation format:
Author name may be incomplete
Not specified: Masters Thesis or Doctoral Dissertation

University of Hong Kong

26. Lenzer, James Hans. Globalization of financial risk: a case studyof the US sub-prime mortgage crisis.

Degree: 2008, University of Hong Kong

URL: http://hdl.handle.net/10722/54567

Subjects/Keywords: Financial crises.; Subprime mortgage loans - United States.

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6^th Edition):

Lenzer, J. H. (2008). Globalization of financial risk: a case studyof the US sub-prime mortgage crisis. (Thesis). University of Hong Kong. Retrieved from http://hdl.handle.net/10722/54567

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Lenzer, James Hans. “Globalization of financial risk: a case studyof the US sub-prime mortgage crisis.” 2008. Thesis, University of Hong Kong. Accessed April 17, 2021. http://hdl.handle.net/10722/54567.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Lenzer, James Hans. “Globalization of financial risk: a case studyof the US sub-prime mortgage crisis.” 2008. Web. 17 Apr 2021.

Vancouver:

Lenzer JH. Globalization of financial risk: a case studyof the US sub-prime mortgage crisis. [Internet] [Thesis]. University of Hong Kong; 2008. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/10722/54567.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Lenzer JH. Globalization of financial risk: a case studyof the US sub-prime mortgage crisis. [Thesis]. University of Hong Kong; 2008. Available from: http://hdl.handle.net/10722/54567

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

27. Hendrickson, Andrew P. (Andrew Peter), 1976-. Classification Modeling of Freddie Mac Home Loan Delinquency.

Degree: Department of Mathematical Sciences, 2015, Central Connecticut State University

URL: http://content.library.ccsu.edu/u?/ccsutheses,2065

►

The Housing Crisis of the mid 2000s resulted from the irrational exuberance of the ever increasing home prices and the lack of proper verification of… (more)

▼

The Housing Crisis of the mid 2000s resulted from the irrational exuberance of the ever increasing home prices and the lack of proper verification of income and employment which was standard practice in past home loan approval processing. Models developed to classify home loan delinquency of Freddie Mac data appear to offer substantial improvement, in terms of bank dollars gained, over baseline measures. Past economic research indicated the FICO score as a key variable in home loan delinquency modeling. The FICO score was found to be a key variable for classification models built in this study as well. Other research studies indicated that the riskiness of the borrower pool at the regional level is a factor in keeping a mortgage current (i.e. non-delinquent). For this study, separate data mining analysis was performed for mortgages from Minnesota (MN) and Florida (FL). The regional borrower risk was examined using the FICO score field in relation to the loan delinquency status for both MN and FL sets. For a FICO score range of 500-800, MN had a delinquency rate from 80% to 40% but FL had a delinquency rate from 80% to 20%. The data suggests that an 800 FICO score in FL is less of a loan risk (20% delinquency) than an 800 FICO score in MN (37% delinquency). Due to the coincidence of the mean loan amount requested being approximately equal to the mean loan interest, data driven misclassification costs were not able to be used for this analysis. A simple baseline measure was calculated using holdout test sets for both MN and FL with the Bank of MN loans having a 309,000 loss and the Bank of FL loans having an 8,048,000 loss. Applying this measure to the best classification model delinquency predictions, the Bank of MN loans would have a gain of 215,957,000 and the Bank of FL a gain of 410,015,000.

"Submitted in Partial Fulfillment of the Requirements for the Degree of Master of Science in Data Mining."; Thesis advisor: Daniel Larose.; M.S.,Central Connecticut State University,,2015.;

Advisors/Committee Members: Larose, Daniel T..

Subjects/Keywords: Freddie Mac (Firm); Mortgage loans.; Data mining.

…requirements for home loans was increased competition. For example, more conservative mortgage… …loans originated during the quarter. This file contains one record for each loan sequence… …number.  One “monthly performance data” file for all of the respective loans originated… …usually found in Sections 16, 17, or 18 of a mortgage. Not all accelerations are the same for… …each mortgage. It depends on the terms and conditions between lender and obligated mortgagor…

11 more images…

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APA (6^th Edition):

Hendrickson, Andrew P. (Andrew Peter), 1. (2015). Classification Modeling of Freddie Mac Home Loan Delinquency. (Thesis). Central Connecticut State University. Retrieved from http://content.library.ccsu.edu/u?/ccsutheses,2065

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Hendrickson, Andrew P. (Andrew Peter), 1976-. “Classification Modeling of Freddie Mac Home Loan Delinquency.” 2015. Thesis, Central Connecticut State University. Accessed April 17, 2021. http://content.library.ccsu.edu/u?/ccsutheses,2065.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Hendrickson, Andrew P. (Andrew Peter), 1976-. “Classification Modeling of Freddie Mac Home Loan Delinquency.” 2015. Web. 17 Apr 2021.

Vancouver:

Hendrickson, Andrew P. (Andrew Peter) 1. Classification Modeling of Freddie Mac Home Loan Delinquency. [Internet] [Thesis]. Central Connecticut State University; 2015. [cited 2021 Apr 17]. Available from: http://content.library.ccsu.edu/u?/ccsutheses,2065.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Hendrickson, Andrew P. (Andrew Peter) 1. Classification Modeling of Freddie Mac Home Loan Delinquency. [Thesis]. Central Connecticut State University; 2015. Available from: http://content.library.ccsu.edu/u?/ccsutheses,2065

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

California State Polytechnic University – Pomona

28. Gartzke, Dorrie. Mortgage Banking Software Selection Process.

Degree: MBA, Finance, Real Estate, and Law Department, 2002, California State Polytechnic University – Pomona

URL: http://hdl.handle.net/10211.3/106011

► A software selection project was initiated due the ongoing concerns of Management regarding the difficulties of the staff underwriters in keeping up with the growing… (more)

Subjects/Keywords: Automated underwriting software; Mortgage loans – United States – Data processing

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APA (6^th Edition):

Gartzke, D. (2002). Mortgage Banking Software Selection Process. (Thesis). California State Polytechnic University – Pomona. Retrieved from http://hdl.handle.net/10211.3/106011

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Gartzke, Dorrie. “Mortgage Banking Software Selection Process.” 2002. Thesis, California State Polytechnic University – Pomona. Accessed April 17, 2021. http://hdl.handle.net/10211.3/106011.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Gartzke, Dorrie. “Mortgage Banking Software Selection Process.” 2002. Web. 17 Apr 2021.

Vancouver:

Gartzke D. Mortgage Banking Software Selection Process. [Internet] [Thesis]. California State Polytechnic University – Pomona; 2002. [cited 2021 Apr 17]. Available from: http://hdl.handle.net/10211.3/106011.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Gartzke D. Mortgage Banking Software Selection Process. [Thesis]. California State Polytechnic University – Pomona; 2002. Available from: http://hdl.handle.net/10211.3/106011

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Florida

29. Ice, Kevin T. Vampire Analysis of Hillsborough County a Spatial Representation of Oil and Mortgage Vulnerability.

Degree: MA, Urban and Regional Planning, 2012, University of Florida

URL: https://ufdc.ufl.edu/UFE0044322

► Oil Vulnerability refers to the degree in which an urban area, analyzed in this thesis at the level of the census tract, is vulnerable to… (more)

Subjects/Keywords: Cities; City centers; Housing; Mortgage loans; Oil prices; Statistics; Suburbs; Transportation; Transportation costs; Vampires; final; Hillsborough County ( local )

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APA (6^th Edition):

Ice, K. T. (2012). Vampire Analysis of Hillsborough County a Spatial Representation of Oil and Mortgage Vulnerability. (Masters Thesis). University of Florida. Retrieved from https://ufdc.ufl.edu/UFE0044322

Chicago Manual of Style (16^th Edition):

Ice, Kevin T. “Vampire Analysis of Hillsborough County a Spatial Representation of Oil and Mortgage Vulnerability.” 2012. Masters Thesis, University of Florida. Accessed April 17, 2021. https://ufdc.ufl.edu/UFE0044322.

MLA Handbook (7^th Edition):

Ice, Kevin T. “Vampire Analysis of Hillsborough County a Spatial Representation of Oil and Mortgage Vulnerability.” 2012. Web. 17 Apr 2021.

Vancouver:

Ice KT. Vampire Analysis of Hillsborough County a Spatial Representation of Oil and Mortgage Vulnerability. [Internet] [Masters thesis]. University of Florida; 2012. [cited 2021 Apr 17]. Available from: https://ufdc.ufl.edu/UFE0044322.

Council of Science Editors:

Ice KT. Vampire Analysis of Hillsborough County a Spatial Representation of Oil and Mortgage Vulnerability. [Masters Thesis]. University of Florida; 2012. Available from: https://ufdc.ufl.edu/UFE0044322

University of Florida

30. Timmons, James Douglas, 1951-. Valuation models for convertible mortgages.

Degree: 1986, University of Florida

URL: https://ufdc.ufl.edu/UF00103070

Subjects/Keywords: Home equity conversion; Housing – Finance; Mortgage loans

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APA (6^th Edition):

Timmons, James Douglas, 1. (1986). Valuation models for convertible mortgages. (Thesis). University of Florida. Retrieved from https://ufdc.ufl.edu/UF00103070

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Timmons, James Douglas, 1951-. “Valuation models for convertible mortgages.” 1986. Thesis, University of Florida. Accessed April 17, 2021. https://ufdc.ufl.edu/UF00103070.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Timmons, James Douglas, 1951-. “Valuation models for convertible mortgages.” 1986. Web. 17 Apr 2021.

Vancouver:

Timmons, James Douglas 1. Valuation models for convertible mortgages. [Internet] [Thesis]. University of Florida; 1986. [cited 2021 Apr 17]. Available from: https://ufdc.ufl.edu/UF00103070.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Timmons, James Douglas 1. Valuation models for convertible mortgages. [Thesis]. University of Florida; 1986. Available from: https://ufdc.ufl.edu/UF00103070

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Open Access Theses and Dissertations