Mortgage Termination at AgChoice Farm Credit
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Mortgage termination is important when considering risk management at financial institutions
and can generally be of two types: default and prepayment. Data consisting of 1,060 fixed rate
mortgages collateralized by farm real estate to dairy producers made by AgChoice ACA from
January 1, 2001 through June 30, 2006 were utilized to estimate survival and hazard functions
for the mortgages. These functions are important components of a competing risks modeling
approach to estimating the drivers of mortgage termination.