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- W488402685 abstract "This paper presents an analysis of the distribution of home purchase mortgages insured by the Federal Housing Administration (FHA) in the primary mortgage market. Utilizing a sample of loan originations aggregated at the zip code level, the distribution of the market served by FHA and conventional lenders is compared across the State of Florida. Results indicate that FHA market shares are concentrated in zip codes with higher economic risk characteristics and obtained by high risk borrowers over the observation with evidence of market share contraction over the observation period. Unexpectedly, the analysis also reveals that FHA loan distribution fails to exhibit a targeted racial bias toward minority neighborhoods. One potential conclusion is that FHA was forced to accept lower quality loans as competition from more nimble private lenders with lower access hurdles and more rapid processing expanded into markets traditionally served by FHA." @default.
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- W488402685 date "2010-01-01" @default.
- W488402685 modified "2023-09-26" @default.
- W488402685 title "Competition and Risk Factors in Mortgage Lending: The Federal Housing Administration’s Evolving Role in the Primary Market" @default.
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- W488402685 doi "https://doi.org/10.2139/ssrn.1554529" @default.
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