Ep. 106: Mortgage Lending Standards with Kevin Erdmann (Incentives Series pt. 8)

Was the housing market really oversupplied in the mid-2000s? Kevin Erdmann says no, and he explains how this misunderstanding is at the root of present-day affordability problems. This is part 8 of our series on misaligned incentives in housing policy.

Show notes:

• Erdmann, K. (2018). Housing Was Undersupplied during the Great Housing Bubble. Mercatus Center.
• Erdmann, K. (2024). Getting Corporate Money Out of Single-Family Homes Won’t Help the Housing Affordability Crisis. Mercatus Center.
• Erdmann Housing Tracker: Mortgages Outstanding by Credit Score
• Erdmann Housing Tracker: Follow-Up: Mortgages by Credit Score
• Erdmann, K. (2021). A Suggested Mortgage Amortization Structure: Fixed Amortization, Adjustable Principal. Mercatus Center.