𝟣–𝟪𝟢𝟢–𝟤𝟨𝟧–𝟫𝟧𝟪𝟣 
Telephone Number…have become a more significant part of the origination story over the past thirty years.[5] II. Buildings and Loans Associations before the Great Depression Buildings and loans associations (B&Ls) were…
…telephone inquiries from the general public. Additional legislation specifies key elements of Virginia’s system of mortgage regulation. The most important mortgage-related laws are found in Title 6.2, Chapters 16 and…
…number of topic models in Washington The graph above depicts the recommended number of topics for Washington MEAs. The held-out likelihood increases as the number of topics increases. The lower…
…determine what number of MEAs corresponded to which offense. Despite the algorithm recognizing ten topics, we found that many of them overlapped, so we were able to reduce the number…
…crisis. In Figure 1, we see relatively sparse issuance of enforcement actions at the beginning of the decade, with the DoC only issuing 80 MEAs from 2000-2002 combined. This number…
…Federal Housing Administration (FHA) in 1934 in the wake of the economic damage wrought by the Great Depression. The FHA and other Great Depression-era laws and institutions contributed to the…
…the criteria for homeowners to satisfy receiving a VA loan and ensuring that a greater number of mortgages are better protected from delinquency. Conventional loans composition within North Carolina Perhaps…
…delinquency rates led to a greater number of foreclosures. Foreclosures typically take place if a homeowner has missed several mortgage payments and has been considered delinquent for an extended period….
…inspection, it became clear that this is because Massachusetts tends to include all infractions and/or wrongdoings in a single document, as shown in Figure 2. Figure 2 Number of MEAs…
…each set of stakeholders for the number of interviews within each set.1 We remove words such as location and company names that appear frequently, but reflect the sampling effect of…
…financial crisis and the ensuing economic recession. CDOs are similar to MBS, but have a more complicated structure, involving the combination of parts of large numbers of loans, such as…
…Costal region (which has a small Hispanic population resulting in some years having small numbers of data points). The following table demonstrates how even when controlling for risk groups, Blacks…
…state were determined by using the “respondent_id” numbers in the HMDA data set. After filtering the HMDA data set by state code (25 for Massachusetts) and for the time period…
…pre-crisis by dividing the state into its main geographic and cultural regions. It also includes a detailed analysis of the number and type of mortgage enforcement actions issued by the…
…up to the Global Financial Crisis of 2008. Consider our timeline of the number of Mortgage Enforcement Actions (MEAs). After an initial spike shortly after the Act’s passage, the number…
…housing bubble burst, the number of borrowers more than 90 days past due spiked, while the number of borrowers delinquent for less than 90 days barely moved. The jump in…
…banking and insurance—had operated in independent institutional siloes since the Great Depression. By the mid-1980s however, the banking industry had begun to consolidate, as “the number of commercial banks in…
