Highlights: Ep. 106. Mortgage Lending Standards with Kevin Erdmann

This is the shortened "highlights" version of episode 106. You can listen to the full interview here . 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.

You can listen to Highlights: Ep. 106. Mortgage Lending Standards with Kevin Erdmann online on Radio and Podcast. Open the player on this page to stream the available audio.

Highlights: Ep. 106. Mortgage Lending Standards with Kevin Erdmann is an episode from UCLA Housing Voice by UCLA Lewis Center for Regional Policy Studies.

This episode is 23:51 long.

This episode was published on Jan 28, 2026.

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