Finance and Financial Management Commons^™

Credit Rationing In The U.S. Mortgage Market: Evidence From Variation In Fha Market Shares, Brent W. Ambrose, Anthony Pennington-Cross, Anthony M. Yezer

Finance Faculty Research and Publications

This paper examines the nature of mortgage credit rationing across geographic markets and time. Particular attention is paid to the response of conventional mortgage supply to higher risk conditions associated with regional recessions. We develop a series of four indirect tests based on the spatial variation of the FHA share of mortgages, both endorsements and applications, as well as FHA and conventional rejection rates. Results of these four tests indicate that conventional mortgage underwriting criteria do not become more flexible and may even become more demanding when local economic conditions deteriorate. This result indicates the use of non-price credit rationing …

The Importance Of The Tax System In Determining The Marginal Cost Of Funds, Shaghil Ahmed, Dean D. Croushore

Economics Faculty Publications

Examines the effect on the marginal cost of public funds of 2 alternative ways in which the tax schedule can be altered: one that maintains the progressivity of the tax schedule and another that rotates the tax schedule. Calculates values of these marginal-cost-of-funds concepts for plausible ranges of key parameters.

The Evolution Of Shopping Center Research: A Review And Analysis, Mark Eppli, John D. Benjamin

Finance Faculty Research and Publications

Retail research has evolved over the past sixty years. Christaller's early work on central place theory, with its simplistic combination of range and threshold has been advanced to include complex consumer shopping patterns and retailer behavior in agglomerated retail centers. Hotelling's seminal research on competition in a spatial duopoly has been realized in the form of comparison shopping in regional shopping centers. The research that has followed Christaller and Hoteling has been as wide as it has been deep, including literature in geography, economics, finance, marketing, and real estate.

In combination, the many extensions of central place theory and retail …

Changing Patterns Of Water Use In The West: Pressures On The System, David H. Getches

Western Water: Expanding Uses/Finite Supplies (Summer Conference, June 2-4)

17 pages.

Financial Resources For New And Expanding Industry In Jacksonville, Committee Of 100 Jacksonville Area Chamber Of Commerce

City and Regional Planning -- Florida

This contains resources for entrepreneurs who want to develop land and obtain capital in Jacksonville