Government policies and the subprime mortgage crisis - Wikipedia ...
A number of writers have claimed that the financial crisis was caused by too much . The top five US investment banks each significantly increased their financial . were less likely to make subprime loans (only 20-25% of all subprime loans), . Total over-the-counter (OTC) derivative notional value rose to $683 trillion by .
http://en.wikipedia.org/wiki/Government_policies_and_the_subprime_mortgage_crisis

Math of Subprime Mortgage Default
Mar 24, 2009 . On a worst case basis presume that all delinquent mortgages are in default, . Let us take a typical sub prime home with a 10 year variable rate loan, . The total amount owing would be $255 billion which would convert into .
http://whiskeyandgunpowder.com/math-of-subprime-mortgage-default/

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The U.S. Subprime Mortgage Crisis: Issues Raised and Lessons ...
May 19, 2008 . issues raised by the U.S. subprime crisis also apply to high-risk loan markets . number to be consistent with the universe of all subprime mortgages . is then derived as the product of the total number of home sales and the .
http://www.growthcommission.org/storage/cgdev/documents/gcwp028web.pdf

The U.S. Subprime Mortgage Crisis: Issues Raised and Lessons ...
all of which are highly relevant to the origins of subprime mortgage lending: . shows the total number of home sales, the sum of new and existing home sales.
http://ihfp.wharton.upenn.edu/Main%20Course%20Readings%5CModule%20IV%20-%20Primary%20Mortgage%20Market%20Innovations%5CThe%20US%20Case%20and%20the%20Sub-Prime%20Crisis/B-Jaffee%20-%20Issues%20Raised%20and%20Lessons%20Learned.pdf

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Subprime Mortgages: What, Where, and to Whom?
We show that estimates of the number of subprime originations . studies have examined this question with other datasets (US Department of . All previous studies have used total . We use total housing units because we think that the .
http://www.federalreserve.gov/pubs/feds/2008/200829/200829pap.pdf

The Subprime Lending Crisis: Causes and Effects of the Mortgage ...
suffered by banks and other financial institutions in the U.S. credit crunch that began in. 2007 amid the rising number of defaults on subprime home loans. . percent in 1994 to an all-time high peak of 69.2 percent in 2004. . The share of subprime mortgages to total originations increased from 9 percent in 1996 to .
http://www.business.cch.com/bankingfinance/focus/news/Subprime_WP_rev.pdf

Why we are here?

Subprime mortgage crisis
Approximately 80% of U.S. mortgages issued in recent years to subprime borrowers . By August 2008, 9.2% of all U.S. mortgages outstanding were either delinquent or . The total amount of mortgage-backed securities issued almost tripled .
http://www.stat.unc.edu/faculty/cji/fys/2011/subprime-mortgage.pdf

A Short History of the Subprime Mortgage Market Meltdown
The residential mortgage market in the United States has worked extremely well over . to 1980, the vast majority of all residential home mortgage loans were made by . Indeed, the subprime share of total originations was less than 5 percent in . *Foreclosure rates are based on the number of loans starting foreclosure.
http://www.msfraud.org/law/lawarticles/ShortHistoryofSubprimeMeltdown.pdf

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Why the US sub-prime mortgage bust will spread to the global ...
Mar 16, 2007 . Total outstanding home mortgages in 1999 were US$4.45 trillion and by . The most popular of all derivative products is the interest-rate swap, which . in the US in 1999 were $4.45 trillion, and by the end of 2004 this amount .
http://henryckliu.com/page126.html

The Subprime Mortgage Market, a Review and Compilation of ...
any other state are the number of payments the borrower has made and the loan to value ratio . borrowers have been forced to default and several major U.S. subprime lenders . According to the magazine Inside B&C Lending, the total subprime loans . Risky exotic and subprime mortgages – all characterized by high .
http://www.hoyt.org/subprime/subprime_review_no_exec_summary.pdf

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The Rise and Fall of the U.S. Mortgage and Credit Markets
Total amount outstanding increased from $2.6 trillion to. $11.3 trillion over the . In 2006, hybrids accounted for nearly two-thirds of all subprime mortgage loans.
http://www.milkeninstitute.org/pdf/Riseandfallexcerpt.pdf

When can I start?

Understanding the Subprime Mortgage Crisis
May 4, 2009 . Using loan-level data, we analyze the quality of subprime mortgage . all subprime mortgages in the United States that originated between 2001 and 2007 . . The total dollar amount originated in 2001 was $57 billion, while in .
http://rfs.oxfordjournals.org/content/24/6/1848.full

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The United States of Subprime Loans | RISMedia
Oct 16, 2007 . From buying & selling to home improvement, click for all things real estate . High -rate mortgages accounted for 29% of the total number of home loans . is likely to persist in many parts of the U.S. where subprime lending had .
http://rismedia.com/2007-10-15/the-united-states-of-subprime-loans/

Subprime Foreclosures: The Smoking Gun of Predatory Lending?
Mar 31, 2000 . number of subprime refinance loans reported under the Home . Department of Housing and Urban Development and U.S. Department of the . Although not all subprime lending is predatory, subprime and predatory . In 1998, subprime refinance loans accounted for 26 percent of total refinance loans in .
http://www.huduser.org/publications/pdf/brd/12Bunce.pdf

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Percent of Residential Mortgages 90+ Days Delinquent
While subprime mortgages constituted about 11.7 percent of mortgages . prime mortgages can have a larger potential impact on the total number of foreclosures. . For the U.S. as a whole, the percentage of prime mortgages 90 days or more . provides delinquency rates among all mortgages (both prime and subprime) at .
http://www.stlouisfed.org/publications/re/2009/c/pages/dist_overview.cfm

Subprime lending and the housing bubble: Tail wags dog?
ucts peaked at 23.5% of all mortgages originated during. 1051-1377/$ - see . the U.S. may be best understood as a series of regional booms, starting at . number of zip codes (about 15% of the total) and metro areas using the. Case– Shiller .
http://www.econ.wayne.edu/agoodman/7500/meltdown/KL-LV.pdf

Subprime Residential Mortgage Securitizations: Frequently Asked ...
tion reported nearly $2.5 trillion in total mortgage originations in the US, . owner then sells all of its legal right to receive monthly payments on the mortgages . The total or "cumulative" amount of losses in a subprime mortgage pool will .
http://www.moodys.com.br/brasil/pdf/Subprime_FAQ_041907.pdf

40% of subprime mortgages stand delinquent, can prime be next ...
Sep 7, 2010 . Moody's positive credit analysis doesn't include mortgages . As made clear by the charts, there seems to be an inverse relationship between the total number of loans (which . CoreLogic recorded that in June 2010, 39.6% of all subprime loans were 60 days . GDP report mixed for U.S. households .
http://www.housingwire.com/news/40-subprime-mortgages-stand-delinquent-can-prime-be-next

Valuing US mortgages assets: Help from logic and Black-Scholes ...
Sep 27, 2008 . This implies that all sub prime loans (and other mortgages with a high LTV) . and the total losses on all US mortgages could amount to over $2 .
http://www.voxeu.org/index.php?q=node/1714

Credit booms and lending standards: evidence from the subprime ...
The authors are all at the IMF Research Department (Financial Studies . evolving from a small niche segment to a major portion of the U.S. mortgage market. . lending in its portfolio.5 Comparisons of the total amount of loan originations in .
http://www.bis.org/bcbs/events/rtf08rtmfs/aricciaiganlaeven.pdf

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  • Quantifying the Economic Cost of Predatory Lending
    that U.S. borrowers lose $9.1 billion annually to predatory lending practices. . show that 100 basis points of all subprime lending (and presumably much more for predatory . total amount of all year 2000 Home Mortgage Disclosure Act .
    http://www.selegal.org/Cost%20of%20Predatory%20Lending.pdf

  • Subprime Mortgages and the Recent Financial Turmoil
    Today, problems emanating from strained US subprime mortgages have led to a . cash, and the premium has been close to the all-time high set during the 1987 . The total amount of debt in the US as a percentage of. GDP rose from 150% .
    http://www.g24.org/PolicyBriefs/pbno17.pdf

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  • The Nature and the Origin of the Subprime Mortgage Crisis
    applet-magic.com. Thayer Watkins Silicon Valley & Tornado Alley USA . pay off the mortgage then all the bank had to do was to sell such mortgages to Fannie Mae. . The guilt for the subprime mortgage financial crisis lies both with the lenders who . The subprime mortgages became bad investments and no amount of .
    http://www.sjsu.edu/faculty/watkins/subprime.htm

  • Causes: Subprime Lending | The Baseline Scenario
    Dec 13, 2008 . Asking whether subprime lending caused the crisis raises all the . among 7 million U.S. homeowners (total mortgage value about $1-2 trillion, . is to look for unbalance between wealth creation and amount of efforts.
    http://baselinescenario.com/2008/12/13/causes-subprime-lending/

  • Account in Collections:
  • The Subprime Mortgage Market
    eraged 705 for alt-A borrowers and 617 for subprime borrowers for the U.S. The . all alt-A loans included a provision allowing . 2006, the subprime share of total mortgage originations . 2007, the number of outstanding subprime mortgage .
    http://www.frbsf.org/publications/federalreserve/annual/2007/subprime.pdf

  • JEC October Subprime Report - US Congress Joint Economic ...
    As the losses caused by the subprime lending crisis continue to work their way through the . for all nonprime loans then there were approximately $600 billion in . of subprimes in the total number mortgages outstanding is now significant, .
    http://jec.senate.gov/archive/Documents/Reports/10.25.07OctoberSubprimeReport.pdf

  • Subprime Mortgages: A Primer : NPR
    Mar 23, 2007 . The 10 U.S. metropolitan areas with the most subprime loans as a share of total active mortgages. Major U.S. cities — and their ranking in terms .
    http://www.npr.org/templates/story/story.php?storyId=9085408

  • GN02295 Prime & Subprime Mortgage Foreclosures Analysis:GN.qxd
    years, as losses remained low for all mortgage products. USA 10yr Ylds. USA Hse Prc. USA Unempl't . 1996, and 1996 total subprime issuance was less than $100 billion (only 12 percent of . small number of total loans. Delinquency and .
    http://www.duke.edu/~ebr4/website_files/Subprime_Mortgage_Study_070810.pdf

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The Fuel That Fed The Subprime Meltdown
Sep 4, 2007 . All of a sudden, even the subprime mortgage lenders had an . real estate prices to record highs across most of the United States. . alone - more than 10-times the amount issued just a decade earlier. . Only when the last part happens will we be able to assess the total impact of the subprime meltdown.
http://www.investopedia.com/articles/07/subprime-overview.asp

GN02295 Prime & Subprime Mortgage Foreclosures Analysis:GN.qxd
years, as losses remained low for all mortgage products. USA 10yr Ylds. USA Hse Prc. USA Unempl't . 1996, and 1996 total subprime issuance was less than $100 billion (only 12 percent of . small number of total loans. Delinquency and .
http://www.duke.edu/~ebr4/website_files/Subprime_Mortgage_Study_070810.pdf

Why a U.S. Subprime Mortgage Crisis Is Felt Around the World ...
Aug 31, 2007 . The global financial turmoil, ignited by the subprime mortgage problems in . After all, the business of creating new finance vehicles like derivatives . subprime mortgages — have gone bust, revealing dangerous amounts of .
http://www.nytimes.com/2007/08/31/business/worldbusiness/31derivatives.html?pagewanted=all