Religion and mortgage misrepresentation
We investigate whether religion acts as a deterrent to the types of mortgage misrepresentation that played a significant role in the recent housing boom and bust. Using a large sample of mortgages originated from 2000 to 2007, we provide evidence that local religious adherence (religiosity) is assoc...
Authors: | ; ; |
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Format: | Electronic Article |
Language: | English |
Check availability: | HBZ Gateway |
Journals Online & Print: | |
Fernleihe: | Fernleihe für die Fachinformationsdienste |
Published: |
Springer Science + Business Media B. V
2022
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In: |
Journal of business ethics
Year: 2022, Volume: 179, Issue: 1, Pages: 273-295 |
Further subjects: | B
R3
B G31 B G21 B G32 B Religion B Appraisal bias B Liars loans B risk aversion B Income documentation B Ethical Behavior B Aufsatz in Zeitschrift B Mortgage fraud B Owner occupancy misreporting |
Online Access: |
Volltext (lizenzpflichtig) Volltext (lizenzpflichtig) |
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520 | |a We investigate whether religion acts as a deterrent to the types of mortgage misrepresentation that played a significant role in the recent housing boom and bust. Using a large sample of mortgages originated from 2000 to 2007, we provide evidence that local religious adherence (religiosity) is associated with a lower likelihood of home appraisal overstatement and owner occupancy misreporting. The evidence on borrower income misrepresentation is mixed. Religiosity does not appear to reduce the incidence of income misrepresentation; however, it seems to restrain the degree to which income is misrepresented. Our results are generally consistent with the hypothesis that religion, as a set of social norms, fosters ethical behavior, and possibly risk aversion, in the mortgage market. | ||
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650 | 4 | |a Appraisal bias | |
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