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 … loans, while controlling for bank, borrower, and regional characteristics. The wealth of data al …

mortgage interest rate leads to a 20 percent decrease in a typical bank''s distance to default. Finally, we look at the cross …

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 … loans, while controlling for bank, borrower, and regional characteristics. The wealth of data also allows us to carry out …

Bank competition can induce excessive risk taking due to risk shifting. This paper tests this hypothesis using micro …-level U.S. mortgage data by exploiting the exogenous variation in local house price volatility. The paper finds that, in … response to high expected house price volatility, banks in U.S. counties with a competitive mortgage market lowered lending …

Determinants of bank-level credit growth in Saudi Arabia are investigated by applying a panel approach to data spanning … 2000-15. Strong bank balance sheet conditions, economic activity, and oil prices support bank lending. Reduced bank … concentration appears to have helped. Lending remained robust in 2015 despite oil prices having declined, helped by strong bank …