Credit & Housing Market Trends and Technologies
by June 22, 2012,
Credit & Housing Market Trends and Technologies
Recently we released a white paper that emphasizes the need for
better, more granular indicators of local home-market conditions
and borrower home equity, with a very interesting new finding on
leading indicators in local-area credit statistics. Click
here to download the white paper Home-equity...read more
by March 16, 2012,
Credit & Housing Market Trends and Technologies
- by Alan Ikemura In my last two posts on bankcard and auto
originations, I provided evidence as to why lenders have reason to
feel optimistic about their growth prospects in 2012. With
real estate lending however, the recovery, or lack thereof looks
like it may continue to struggle throughout the...read more
by February 21, 2012,
Credit & Housing Market Trends and Technologies
Part II: Where are Models Most Needed Now in Mortgages?
(Click here if you missed Part I of this post.) A first important
question should always be are all of your models, model uses, and
model testing strategies, and your non-model processes, sound and
optimal for your business? But in today’s...read more
by February 14, 2012,
Credit & Housing Market Trends and Technologies
Part I: Types and Complexity of Models, and Unobservable or Omitted
Variables or Relationships Since the financial crisis, it’s not
unusual to read articles here and there about the “failure of
models.” For example, a recent piece in Scientific American
critiqued financial model “calibration,”...read more
by August 15, 2011,
Credit & Housing Market Trends and Technologies
This installment proposes a new type of mortgage product that could
help to lower current risks of home-price bubbles in various
strongly growing economies—and perhaps future risks in the U.S. and
other countries as well. In booming economies like Brazil, China,
Singapore, and Hong Kong, housing...read more
by August 9, 2011,
Credit & Housing Market Trends and Technologies
Unsurprisingly, Washington deficit hawks have been eyeing the
“sacred cows” of tax preferences for homeownership for some time
now. Policymakers might even unwind or eliminate the mortgage
interest deductions and capital-gains exemptions on home
appreciation that have been in place in the U.S for...read more
by January 19, 2011,
Credit & Housing Market Trends and Technologies
Increased incidence of “involuntary renters” According to the
Mortgage Bankers Association, one out of every 200 homes will be
foreclosed. The incidence of “involuntary renters” will increase as
a high foreclosure rate continues, in turn, fueling the current
trend of consumers who rely solely on...read more
by May 27, 2010,
Credit & Housing Market Trends and Technologies
-- by Stacie Baker As more people have become underwater on their
mortgage, the decision to stay or not stay in their home has
evolved to consider a number of influences that impact consumer
credit decisions. Research is revealing that much of an
individual’s decision to meet his credit obligations...read more
by December 14, 2009,
Credit & Housing Market Trends and Technologies
--Kelly Kent In my previous two blogs, I introduced the definition
of strategic default and compared and contrasted the population to
other types of consumers with mortgage delinquency. I
also reviewed a few key characteristics that distinguish
strategic defaulters as a distinct population....read more
by December 10, 2009,
Credit & Housing Market Trends and Technologies
--Kelly Kent In my last blog, I discussed the presence of strategic
defaulters and outlined the definitions used to identify these
consumers, as well as other pools of consumers within the mortgage
population that are currently showing some measure of mortgage
repayment distress. In this section, I...read more
