Since the housing bust and financial crisis, mortgage lenders have introduced progressively higher minimum thresholds … mortgage credit reduced delinquency on both mortgage and non-mortgage debt and increased their propensity to take out auto …

We provide new evidence that credit supply shifts contributed to the U.S. subprime mortgage boom and bust. We collect … original data on both government and private mortgage insurance premiums from 1999-2016, and document that prior to 2008 …