Author:
Valerie L. Smith, Senior Policy Analyst
Author:
Valerie L. Smith, Senior Policy Analyst
Author:
Valerie L. Smith, Senior Policy Analyst
Forrest Pafenberg, Senior Policy Analyst
Brian Doherty, Senior Policy Analyst
Author:
Peter Nickoloff, Department of the Treasury
Author:
Robert S. Seiler, Manager of Policy Research
Author:
Forrest Pafenberg, Senior Policy Analyst
This OFHEO Research Paper examines how changes in technology have affected the structure and business practices of firms in the single-family mortgage industry in the last two decades and how lenders, Fannie Mae and Freddie Mac, and other firms are seeking to exploit business opportunities created by the most significant recent technological innovations: automated underwriting and the Internet. The paper was prepared to enhance public understanding of the United States housing finance system.
Author:
Valerie L. Smith, Senior Policy Analyst
Author:
Forrest Pafenberg, Senior Policy Analyst
Except where noted, all assumptions used to generate estimates of single-family mortgages originated and outstanding are as described in the paper, Single-Family Mortgages Originated and Outstanding: 1990 – 2004.
Author:
Valerie L. Smith, Forrest Pafenberg, Chris Broderick
Author:
Valerie L. Smith, Senior Policy Analyst
Forrest Pafenberg, Senior Policy Analyst
Laura Goren, Research Assistant