Have the GSE affordable goals increased the supply of mortgage credit?

Article Abstract:

A mortgage model is developed to analyze whether Government Sponsored Enterprises (GSEs) purchase activity leads to a substitution effect that results in greater capital flowing to targeted areas. The analysis suggest that effect results primarily from the mortgage activity in 1998 and a significantly positive relationship between the level of mortgage activity and the purchase of seasoned loans by the GSEs is discovered.

Market information - general, Forecasts, trends, outlooks, Management dynamics, Models, Management, Forecasts and trends, Supply and demand, Market trend/market analysis, Company business management, Credit market, Credit markets

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GSE impact on rural mortgage markets

Article Abstract:

A comparison between rural mortgage markets and urban mortgage markets is done to analyze whether the two can be integrated into a larger national mortgage market. It is observed that government-sponsored enterprises in rural regions give a greater access to credit to rural conforming mortgage borrowers. The study also analyses the risks associated with the two markets.

United States, Services information, Analysis, Economic aspects, Services, Comparative analysis, Financial markets, Rural population, Urban population

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Local economic risk factors and the primary and secondary mortgage markets

Article Abstract:

Research describing the spatial distribution of loans in the mortgage markets is presented. Geographic differences in market shares are modelled as functions of economic risk factors, demand and supply.

Economics, Research and Development in the Social Sciences and Humanities, Research, Loans

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