Karan Kaul is a research associate in the Housing Finance Policy Center at the Urban Institute. He publishes innovative, data-driven research on complex, high-impact policy issues to improve the US mortgage finance system. A strategic thinker and thought leader with nearly 10 years of experience in mortgage capital markets, Kaul has published nearly 100 research articles on such topics as mortgage servicing reforms, efficient access to credit, benefits of alternative credit data and scoring models, and single-family rentals. He has advocated for efficient industry practices, regulation, and legislation to make the mortgage market work better for all Americans.
Kaul is the lead researcher on the Mortgage Servicing Collaborative and regularly speaks at housing conferences. Before joining Urban, he spent five years at Freddie Mac as a senior strategist analyzing the business impact of postcrisis regulatory reforms. He holds a bachelor’s degree in electrical engineering and a master’s degree in business administration from the University of Maryland, College Park.