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The Effect of Housing Government-Sponsored Enterprises on Mortgage Rates

Overview This paper derives a theoretical model of how jumbo and conforming mortgage rates are determined and how the jumbo-conforming spread might arise. The paper shows that mortgage rates reflect the cost of funding mortgages and that this cost of funding can drive a wedge between jumbo and conforming rates (the jumbo-conforming spread). Further, the paper shows how the jumbo-conforming spread widens when mortgage demand is high or core deposits are not sufficient to fund mortgage demand, and tighten as the mortgage market becomes more liquid and realizes economies of scale.

Further White Paper Details
Publisher	Federal Reserve Board	File Format	PDF
Date Published	January 2005	Downloads	2
Format	White Papers
Topics	Financial Management

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