FDIC (1) 썸네일형 리스트형 Is There Crowd Out in Mortgage Refinance?(23-02-13)/Nick Frazier 外.FDIC We examine whether supply-side capacity constraints contribute to the well-documented “failure to refinance” among certain borrowers who would benefit financially from doing so. We find that, conditional on the potential financial benefits of refinancing, “marginal” borrowers (those with low loan balances, low incomes, or low credit scores) are substantially less likely to prepay their mortgage .. 이전 1 다음