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U.S. Credit Union Motivation for Involvement in the First-Mortgage Market

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  • Tripp, James D
  • Smith, Stanley D

Abstract

U.S. credit union involvement in first-mortgage lending has grown rapidly since extended lending powers were granted through several regulatory changes from 1977 to 1984. The purpose of this study is to examine credit unions that initiated first-mortgage lending programs during the period 1983 through 1988, and attempt to identify factors or variables that influenced the decision to become active in the first-mortgage market. The results indicate that there are certain factors that distinguish credit unions that become involved in first-mortgage lending from those that do not. Specifically, the size of a credit union, a full-service orientation, and a residential type of membership bond were factors consistently significant in their relationship to first-mortgage initiation. Copyright 1993 by Kluwer Academic Publishers

Suggested Citation

  • Tripp, James D & Smith, Stanley D, 1993. "U.S. Credit Union Motivation for Involvement in the First-Mortgage Market," The Journal of Real Estate Finance and Economics, Springer, vol. 7(3), pages 229-236, November.
    • Handle: RePEc:kap:jrefec:v:7:y:1993:i:3:p:229-36
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    Cited by:

    1. Cullen F. Goenner, 2018. "The market for private student loans: an analysis of credit union exposure, risk, and returns," Review of Quantitative Finance and Accounting, Springer, vol. 50(4), pages 1227-1251, May.
    2. Antonio Miguel Martins & Ana Paula Serra & Francisco Vitorino Martins & Simon Stevenson, 2019. "Residential Property Loans and Bank Performance during Property Price Booms: Evidence from Europe," Annals of Economics and Finance, Society for AEF, vol. 20(1), pages 247-295, May.
    3. Christian Weller, 2009. "Credit Access, the Costs of Credit and Credit Market Discrimination," The Review of Black Political Economy, Springer;National Economic Association, vol. 36(1), pages 7-28, March.
    4. Christian Weller, 2010. "Have Differences in Credit Access Diminished in an Era of Financial Market Deregulation?," Review of Social Economy, Taylor & Francis Journals, vol. 68(1), pages 1-34.
    5. Kane, Edward J. & Hendershott, Robert, 1996. "The federal deposit insurance fund that didn't put a bite on U.S. taxpayers," Journal of Banking & Finance, Elsevier, vol. 20(8), pages 1305-1327, September.

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