News tagged with borrowers
New research shows that your looks, creditworthiness may go hand in hand
Other Sciences / Social Sciences
Mar 12, 2009 |
3 / 5 (4) |
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New research suggests that a person's appearance may play a role in whether they are deemed trustworthy by financial lenders. The study is summarized in a working paper by Jefferson Duarte at Rice University's ...
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Borrowers who complete homeownership education programs make better refinancing decisions
May 12, 2008 |
1 / 5 (1) |
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In light of the subprime mortgage crisis that has resulted in extraordinarily high default rates on home mortgages, one might wonder what the government can do to better educate new potential homeowners.
Rice U study finds that consumers may fare better with peer-to-peer online lending Web sites
Jun 19, 2008 |
4.1 / 5 (7) |
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A new study conducted by Associate Professor of Management Paul Dholakia at Rice University's Jones Graduate School of Management shows that online peer-to-peer lending Web sites may be more attractive to Americans ...
Designing solutions for problems of 'predatory lending' first requires understanding when it exists
Sep 04, 2008 |
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There is not a universally accepted definition of predatory lending by policy makers, regulators or people involved in the mortgage business. Predatory lending has been equated to mortgage abuse, mortgage fraud, loans with ...
New study shows racial disparities in Twin Cities mortgage lending (Video)
Feb 12, 2009 |
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A new report, "Communities in Crisis," issued by the University of Minnesota Institute on Race and Poverty shows that the Twin Cities has some of the nation's worst racial disparities in mortgage lending. In the Twin Cities, ...
Professor: Fear, Shame Keep Homeowners From Defaulting
Nov 05, 2009 |
5 / 5 (2) |
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(PhysOrg.com) -- Brent T. White, a University of Arizona associate professor of law, said policymakers must consider ways that emotions drive financial decisions.
Research reveals best paths for success as microfinance sector grows
Feb 11, 2009 |
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As the microfinance sector passes the 150 million customer mark, an intense debate continues over the movement toward greater commercialization of an arena once led by nonprofits. "Microfinance Meets the Market," just published ...
Mortgage crisis: Blame the bank?
Aug 27, 2008 |
4.4 / 5 (5) |
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(PhysOrg.com) -- Banks have played a big role in the mortgage crisis, not only because they issued loans to suspect borrowers, but because many originated and sold bad loans to other lenders, says a University of Michigan ...
Subprime lending not main trigger of real estate bubble
Jul 30, 2008 |
3.6 / 5 (27) |
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(PhysOrg.com) -- Critics often point to subprime mortgage lending – the funding of home loans to borrowers with less-than-perfect credit – as the culprit in the unsustainable boom in U.S. home prices that eventually derailed ...
NJIT business prof says first-quarter bank profits will soon prove ephemeral
May 27, 2009 |
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NJIT finance professor Michael Ehrlich predicts that the strong profits reported by banks in the first quarter will soon be followed by more losses. Ehrlich, a market failure expert, notes that the unexpectedly ...
Confidence a key to recent economic initiatives, U. of I. expert says
Jul 25, 2008 |
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Restoring confidence in the sputtering U.S. economy is at the heart of recent moves to shore up the nation's lagging financial and housing markets, a University of Illinois economist says.
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