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Working Paper

Foreclosures in Ohio: Does Lender Type Matter?

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Whether mortgages are originated mostly by depository institutions regulated by the Federal agencies or by less-regulated lenders does not seem to affect the foreclosure filing rate in Ohio’s counties. What seems to matter is whether the lenders have a physical presence in the market, in which case, foreclosure rates are lower.
12.01.2007ISSN 2573-7953 WP 07-24DOI 10.26509/frbc-wp-200724
Keywords foreclosure, regulation, and mortgage lenders
JEL Classification Codes G21, L15, L50

Working Papers of the Federal Reserve Bank of Cleveland are preliminary materials circulated to stimulate discussion and critical comment on research in progress. They may not have been subject to the formal editorial review accorded official Federal Reserve Bank of Cleveland publications. The views expressed in this paper are those of the authors and do not represent the views of the Federal Reserve Bank of Cleveland or the Federal Reserve System.

Suggested Citation

Ergungor, O. Emre. 2007. “Foreclosures in Ohio: Does Lender Type Matter?” Federal Reserve Bank of Cleveland, Working Paper No. 07-24. https://doi.org/10.26509/frbc-wp-200724