Nonlocal mortgage lenders with greater exposure to high-growth housing markets accept fewer loan applications in these … lenders' exposure to high-growth markets is associated with more risk, more efficiency, and more return on mortgage portfolios …

quantify mortgage lending risk in two distinct mortgage markets. For each application, we show a range of modeling adjustments …

Jappelli and Pagano (1994) argues that tightening the borrowing constraints in the mortgage markets promotes savings … savings and growth rates to fall. Therefore, for countries with scarce mortgage availability like those in the Middle East …, expanding the mortgage markets to some extent is conducive to savings and growth …

during the financial crisis in the United States. We focus on mortgage lending to minimize the impact of confounding demand … disaggregated data on mortgage applications that we use allows us to study the time variations in banks’ decisions to grant mortgage … credit significantly more than retail-funded banks during the crisis. The demand for mortgage credit, on the other hand …

Using detailed information on lobbying and mortgage lending activities, we find that lenders lobbying more on issues … related to mortgage lending (i) had higher loan-to-income ratios, (ii) securitized more intensively, and (iii) had faster … issues unrelated to mortgage lending, (ii) a difference-in-difference approach based on state-level laws, and (iii …