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	The Quest for Knowledge The Research Institute for Housing America of the Mortgage Bankers Association is a 501(c)(3) trust fund. Its chief purpose is to encourage and aid - through grants and sponsored research to distinguished scholars, educational institutions, research facilities, and government organizations - the pursuit of knowledge of mortgage markets and real estate finance.

New Published Reports

12/20/2011

The Great Recession and Attitudes Toward Home-Buying

In the last few years, Americans have experienced the most severe housing-market downturn since the Great Depression. The national homeownership rate during this period has declined from a peak of 69 percent in 2004 to 66 percent presently. Unemployment is high, income growth is stagnant and home sales are low. Indeed, in this environment, many have questioned whether the American dream of homeownership has ended. This report utilizes data from the University of Michigan’s Survey of Consumer Attitudes to examine consumer attitudes to . . .

11/14/2011

Strategic Default in the Context of a Social Network: An Epidemiological Approach

The real estate market is currently experiencing the worst crisis since the Great Depression. Unemployment has caused people to involuntarily default on their mortgages, while falling home prices have encouraged others to voluntarily stop paying their mortgages. While the total number of defaults can be measured with a high degree of precision, whether or not those defaults are due to an inability to pay or an unwillingness to pay is typically unobservable from market data. As more and more mortgages in the neighborhood go into defaul . . .

7/14/2011

Homeownership Boom and Bust 2000 to 2009: Where Will the Homeownership Rate Go from Here?

The boom and bust in housing markets defined the opening decade of the 21st century. Sharp declines in house prices served as a catalyst for the 2007 meltdown in mortgage and capital markets and the downturn in the global economy. The past decade also witnessed a dramatic boom and bust in homeownership. In 2000, U.S. homeownership rates stood at roughly 67 percent, the highest level recorded to that point in time. That rate jumped to a new all-time high of 69.2 percent in the fourth quarter of 2004 and remained at roughly that level t . . .

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MBA Research News


5/16/2012 Refinance Applications Increase in Latest MBA Weekly Survey
5/16/2012 Delinquencies Decline in Latest MBA Mortgage Delinquency Survey
5/9/2012 Mortgage Applications Increase in Latest MBA Weekly Survey
5/2/2012 Purchase Applications Increase in Latest MBA Weekly Survey
4/25/2012 Mortgage Applications Decrease Despite Survey Low Rates in Latest MBA Weekly Survey

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