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	Podcast:		UCLA Housing Voice
	Episode:		Ep. 106: Mortgage Lending Standards with Kevin Erdmann (Incentives Series pt. 8)
	Category:		Science & Medicine
	Duration:		01:08:33
	Publish Date:		2026-01-21 11:00:00
	Description:		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.
	Total Play:		0