Subprime Borrowers: Mortgage Transitions and Outcomes

By Marsha J. Courchane, Brian J. Surette, P. Zorn. 2004

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Subprime outcomes: risky mortgages, homeownership experiences, and foreclosures (2007, background): “ment of Housing and Urban Development began tracking the subprime mortgage market, and developed an annual list of subprime lenders, which were defined as mortgage lenders that specialized in lending to subprime borrowers.(6) This list is calculated each year by identifying mortgage lenders that ori”
The Delinquency of Subprime Mortgages (2005, unknown): “Survey evidence indicates that of subprime borrowers who get another mortgage, 39.6% successfully transition into the prime market (Courchane, Surette, & Zorn, 2004).”
Adverse selection in mortgage securitization (2012, unknown): “Keys et al. (2010a, b) focus on the impact of securitization on the quality of loan screening and servicing and find that mortgage lenders apply weaker screening standards for loans that they are likely to sell in the non-government-sponsored-enterprise (non-GSE) secondary market. Piskorski, Seru, a”