scholarly journals Enhancing Mortgage Credit Availability Among Underserved and Higher Credit-Risk Populations: An Assessment of Default and Prepayment Option Exercise Among FHA-Insured Borrowers

2002 ◽  
Author(s):  
Yongheng Deng ◽  
Stuart A. Gabriel
Keyword(s):  
Credit Risk ◽  
Credit Availability ◽  
Mortgage Credit ◽  
Prepayment Option

Machine Learning Analysis of Mortgage Credit Risk

2019 ◽  
pp. 107-123
Author(s):  
Sivakumar G. Pillai ◽  
Jennifer Woodbury ◽  
Nikhil Dikshit ◽  
Avery Leider ◽  
Charles C. Tappert
Keyword(s):  
Machine Learning ◽  
Credit Risk ◽  
Mortgage Credit ◽  
Learning Analysis

scholarly journals Flood Damage and Mortgage Credit Risk: A Case Study of Hurricane Harvey

2020 ◽  
Vol 29 (sup1) ◽  
pp. S86-S120
Author(s):  
Carolyn Kousky ◽  
Mark Palim ◽  
Ying Pan
Keyword(s):  
Credit Risk ◽  
Flood Damage ◽  
Mortgage Credit

scholarly journals The issue and importance of credit risk management exemplfied by the collapse of American mortgage credit market

Equilibrium ◽  
2008 ◽  
Vol 1 (1-2) ◽  
pp. 113-126
Author(s):  
Karolina Przenajkowska
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Credit Market ◽  
Risk Identification ◽  
Steering Control ◽  
Credit Risk Management ◽  
Economic Activities ◽  
Negative Effects ◽  
International Financial Crisis ◽  
Mortgage Credit

The risk is connected to all types of economic activities. It is especially important for the functioning of banks, which are institutions based on society trust. The most common risk banks face is the credit risk. The first part of the paper refers to the reasons, classification and consequences of its appearance. Serious negative effects of credit risk existence force banks to design a program of managing this type of risk. The credit risk management is founded on the basis of the credit policy established separately in every bank. This policy requires choosing the policy towards the risk. Generally, there are three such policies or strategies: conservative, offensive and controlled growth. The process of credit risk management in the paper is presented as a division on five elements (risk: identification, assessment, steering, control, financing and administrating). Those issues are particularly important with the international financial crisis observed since August 2007. The origin of the crisis is linked to the collapse of the American mortgage credit market. The analysis of the reasons behind this collapse is described in the last part of the paper. It shows the points where the most basic rules of the credit risk management were ignored and leaves the question of the conclusions for the banks all over the world.

scholarly journals What Broker Charges Reveal About Mortgage Credit Risk

2012 ◽  
Author(s):  
Antje Berndt ◽  
Burton Hollifield ◽  
Patrik Sandås
Keyword(s):  
Credit Risk ◽  
Mortgage Credit
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