Ep. 106: Mortgage Lending Standards with Kevin Erdmann (Incentives Series pt. 8)

January 21 · 1 hr 8 min · Season 5 · Episode 10 · 49.4 MB

0:00-1:08:33

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Was the housing market really oversupplied in the mid-2000s? Kevin Erdmann says no, and he explains how this misunderstanding is at the root of present-day affordability problems. This is part 8 of our series on misaligned incentives in housing policy.

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Show notes:

Erdmann, K. (2018). Housing Was Undersupplied during the Great Housing Bubble. Mercatus Center.
Erdmann, K. (2024). Getting Corporate Money Out of Single-Family Homes Won’t Help the Housing Affordability Crisis. Mercatus Center.
Erdmann Housing Tracker: Mortgages Outstanding by Credit Score
Erdmann Housing Tracker: Follow-Up: Mortgages by Credit Score
Erdmann, K. (2021). A Suggested Mortgage Amortization Structure: Fixed Amortization, Adjustable Principal. Mercatus Center.