The Effects of the Ability-to-Repay / Qualified Mortgage Rule on Mortgage Lending

Posted: 27 Nov 2018 Last revised: 25 Jun 2020

See all articles by Aurel Hizmo

Aurel Hizmo

Board of Governors of the Federal Reserve System

Shane Sherlund

Board of Governors of the Federal Reserve System

Date Written: November, 2018

Abstract

In this note, we use a unique set of mortgage applications and locks data from January 2013 through September 2018 to examine the effects of the ATR/QM rule on mortgage lending and mortgage pricing.

Suggested Citation

Hizmo, Aurel and Sherlund, Shane, The Effects of the Ability-to-Repay / Qualified Mortgage Rule on Mortgage Lending (November, 2018). FEDS Notes No. 2018-11-16, Available at SSRN: https://ssrn.com/abstract=3288391 or http://dx.doi.org/10.17016/2380-7172.2296

Aurel Hizmo (Contact Author)

Board of Governors of the Federal Reserve System ( email )

20th Street and Constitution Avenue NW
Washington, DC 20551
United States

Shane Sherlund

Board of Governors of the Federal Reserve System ( email )

20th Street and Constitution Avenue NW
Washington, DC 20551
United States

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