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Showing 1 to 2 of 2 for “"Conforming Loans"”.
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FinTech mortgage lenders solving or exploiting a friction? evidence on risk layering and prepayment risk of conforming loans
… pricing and securitization setup. First, Fintech loans tend to have more risk layers conditional on paying the same guarantee fee, which are charged 15 basis points less of interest rate but translate to 0.5% higher delinquency rate ex-post. Second, Fintech loans get prepaid more often (11%). They …
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Three Essays In Applied Econometrics
… the discrete set of policy changes in the conforming loan limits that set the maximum loan size (conforming loans) that government-sponsored enterprises (GSEs) can purchase and securitize. I find that GSEs' purchase eligibility has increased the probability of loan origination by $\sim3\%$. …