Long Beach Mortgage
In-depth case study on Long Beach Mortgage, provided in PDF format
In-depth case study on Colonial BancGroup, provided in PDF format
Evolution of the Mortgage Market
This memo details the types of entities involved in the mortgage origination space. Changes in the broader mortgage finance system from shocks, government regulations, interest rate fluctuations and other factors have led to this evolution in origination entities. The primary aim in this memo is to provide the reader with a sense of these shifts in lending origination entities since the Great Depression.
This timeline provides an overview of landmark federal and state regulations affecting the development of the mortgage market from the early 20th century to 2008. Legislation profiled ranges from foundational housing and consumer lending laws to anti-predatory lending laws. Descriptions focus on intended effects on the mortgage lending industry.
This memo explains the evolution of subprime lending products in the mortgage market from 1980s to the present. Lending products such as adjustable rate mortgages, balloon payments, etc. are some of the exotic and increasingly complex mortgage instruments that emerged in the past fifty years. The memo also compares subprime lending products in the prime and subprime market as well as analyzes these products’ consumer impact.
This memo describes how mortgages underwriting practices have evolved in the United States over the last century. The research covers the actors who have a bearing on underwriting practices, how technology has changed underwriting standards and practices, and how views around risk and major events have impacted underwriting.
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