Published studies, market indices, and the academic history behind UFA's approach to local mortgage risk.
Price models say prices revert to fundamental value but rarely define it. This paper draws on urban economics to supply that anchor.
UFA's quarterly index tracking national default risk — and why sharp regional divergence means the national number tells only part of the story.
The peer-reviewed study decomposing the 2008 crisis into two forces — underwriting quality and economic conditions — and how each contributed independently to the collapse.
Dennis Capozza on the three decades of research — and one personal encounter with a 22% mortgage rate — that led to ForeScore.
