A 2001 study by the Rutgers University Center for Urban Policy estimated that mortgage product innovation alone can be credited with doubling the number of potential new U.S. homeowners.

• 罗格斯大学城市政策中心2001年的一项研究估计，仅抵押贷款产品的创新就被认为可使美国潜在的新业主数目翻一番。