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.

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Ep. 106: Mortgage Lending Standards with Kevin Erdmann (Incentives Series pt. 8) is an episode from UCLA Housing Voice by UCLA Lewis Center for Regional Policy Studies.

This episode is 68:33 long.

This episode was published on Jan 21, 2026.

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