@article {606979, title = {Mortgage Refinancing in 2001 and Early 2002}, journal = {Federal Reserve Bulletin}, volume = {88}, year = {2002}, pages = {469-81}, url = {https://www.federalreserve.gov/pubs/bulletin/2002/1202lead.pdf }, author = {Glenn Canner and Karen E. Dynan and Wayne Passmore} }