Walking the Walk? Bank ESG Disclosures and Home Mortgage Lending

2021 ◽  
Author(s):  
Sudipta Basu ◽  
Justin Vitanza ◽  
Wei Wang ◽  
Xiaoyu (Ross) Zhu
Keyword(s):  
Mortgage Lending ◽  
Home Mortgage

Information, Neighborhood Characteristics, and Home Mortgage Lending

2001 ◽  
Vol 49 (2) ◽  
pp. 337-355 ◽  
Author(s):  
Emily Y. Lin
Keyword(s):  
Mortgage Lending ◽  
Neighborhood Characteristics ◽  
Home Mortgage

scholarly journals Home-Mortgage Lending Trends in New England in 2010

2012 ◽  
Author(s):  
Ana Patricia Munoz
Keyword(s):  
New England ◽  
Mortgage Lending ◽  
Home Mortgage

The effect of holding company affiliation on bank risk and the 2008 financial crisis

2017 ◽  
Vol 34 (1) ◽  
pp. 105-121 ◽  
Author(s):  
Krishnan Dandapani ◽  
Edward R. Lawrence ◽  
Fernando M. Patterson
Keyword(s):  
Financial Crisis ◽  
Univariate Analysis ◽  
Mortgage Lending ◽  
Capital Adequacy ◽  
2008 Financial Crisis ◽  
Content Type ◽  
Holding Company ◽  
The 2008 Financial Crisis ◽  
Home Mortgage ◽  
Level Of Risk

Purpose The organizational form of financial institutions is related to their level of risk, leverage, liquidity and capitalization. High level of risk and leverage and lower levels of liquidity and capitalization are considered to be the root causes of the 2008 financial crisis. The purpose of this paper is to investigate if banks affiliated to holding company structure contributed more to the root causes of crisis than unaffiliated banks. Design/methodology/approach The paper isolates the effect of holding company association by restricting the sample to one-bank holding companies and individual banks. A comparative analysis of independent and holding company-affiliated banks is performed. Univariate analysis and multivariate regressions are used to compare the risk, leverage, liquidity and capitalization of affiliated and independent banks. Findings The paper finds that holding company affiliation is linked to several root causes of the 2008 financial crisis. Specifically, holding company affiliation results in higher levels of home mortgage loans underwritten and underperforming, higher leverage, lower liquidity and lower capitalization for the subsidiary bank. Practical implications The paper demonstrates that affiliated banks use their higher leveraged positions to engage in riskier home mortgage lending, sacrificing both liquidity and capital adequacy. These findings can help policy makers to focus on the group of banks that are part of holding company affiliation and implement such policies and regulations so as to avoid any re-occurrence of financial crisis. Originality/value This paper is the first to link the structural differences in banks to the root causes of financial crisis and to isolate the effect of holding company affiliation through sample selection. The paper will be valued to other researchers who try to isolate the effect of holding company affiliation and those studying the causes of the financial crisis of 2008.

Home Mortgage Lending

1939 ◽  
Vol 15 (4) ◽  
pp. 492
Author(s):  
Fred T. Greene ◽  
Ernest M. Fisher
Keyword(s):  
Mortgage Lending ◽  
Home Mortgage

scholarly journals Collateral Damage: The Impact of Foreclosures on New Home Mortgage Lending in the 1930s

2018 ◽  
Author(s):  
Price Fishback ◽  
Sebastián Fleitas ◽  
Jonathan Rose ◽  
Kenneth Snowden
Keyword(s):  
Mortgage Lending ◽  
Collateral Damage ◽  
Home Mortgage ◽  
The Impact

Regulatory Failure and the Collapse of Japan’s Home Mortgage Lending Industry: A Legal and Economic Analysis

Law & Policy ◽  
2000 ◽  
Vol 22 (3‐4) ◽  
pp. 245-290 ◽  
Author(s):  
Curtis Milhaupt ◽  
Geoffrey Miller
Keyword(s):  
Economic Analysis ◽  
Mortgage Lending ◽  
Regulatory Failure ◽  
Home Mortgage

scholarly journals Experienced Discrimination in Home Mortgage Lending: A Case of Hospital Employees in Northern Italy

2015 ◽  
Vol 56 (7) ◽  
pp. 1068-1104 ◽  
Author(s):  
Davide Secchi ◽  
Raffaello Seri
Keyword(s):  
Mortgage Lending ◽  
Northern Italy ◽  
Hospital Employees ◽  
Home Mortgage

Residential Segregation and the Transformation of Home Mortgage Lending

Social Forces ◽  
2007 ◽  
Vol 86 (2) ◽  
pp. 671-698 ◽  
Author(s):  
C. Bond ◽  
R. Williams
Keyword(s):  
Residential Segregation ◽  
Mortgage Lending ◽  
Home Mortgage

scholarly journals The Home Mortgage Disclosure Act And Subprime Lending

2010 ◽  
Vol 26 (5) ◽  
Author(s):  
Rakesh K. Gupta ◽  
Hari Sharma ◽  
Cheryl E. Mitchem
Keyword(s):  
Mortgage Lending ◽  
Predatory Lending ◽  
Subprime Lending ◽  
Fixed Rate ◽  
Mortgage Industry ◽  
Reporting Requirements ◽  
Home Mortgage Disclosure Act ◽  
Adjustable Rate Mortgage ◽  
Home Mortgage ◽  
The Impact

<p class="MsoNormal" style="text-align: justify; margin: 0in 0.5in 0pt; mso-pagination: none;"><span style="color: black; font-size: 10pt; mso-themecolor: text1;"><span style="font-family: Times New Roman;">This research paper focuses on the analysis of subprime lending activities in specific geographic area in the light of reporting requirements of the Home Mortgage Disclosure Act (HMDA). This cross sectional study has focused on the detailed analysis of mortgage data for the selected Metropolitan Statistical Areas (MSA) from a socio-economic perspective. The objective of this research is to assess the impact of predatory lending in selected geographic regions. Another dimension of the research focuses on the role of mortgage lending from a securitization point of view. The study reveals that private securitization (PSEC) mortgages grew dramatically not only by the number of loans but also significantly by the dollar amount due to subprime lending activities during the period of study. The growth in PSEC loans affected mortgage lending in several ways, such as, increasing subprime lending, boosting home prices, and undermining mortgage industry regulations. Additionally, Government-Sponsored Enterprises (GSEs) loan originations also increased the number of subprime loans because of relaxed reporting requirements which contributed to increased delinquencies and foreclosures for conforming loans. The study further reveals that HMDA reporting requirements allowed the mortgage industry to conceal the loans that had spreads above the prime rate of up to 3.5 points for Fixed Rate Mortgage or 5 points for Adjustable Rate Mortgage (ARM). The study of mortgage lending programs, products, and regulatory laws have also been examined to assess the impact of predatory lending on homeownership. </span></span></p>

Discrimination in mortgage lending: The Home Mortgage Disclosure Act

1982 ◽  
Vol 1 (3) ◽  
pp. 283-296 ◽  
Author(s):  
Rebecca F. Guy ◽  
Louis G. Pol ◽  
Randy E. Ryker
Keyword(s):  
Mortgage Lending ◽  
Home Mortgage Disclosure Act ◽  
Home Mortgage
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