banks and mortgage lenders as wellas the impact on the relationship between mortgage lendersand community-based advocacy … providing a brief review of the evolution of CRAregulations, we document the impact that the CRA has hadon home mortgage lending …

individual homeowner credit histories to the loan-levelanalysis of the factors influencing the probability that a homeownerwill … refinance. In addition to credit histories, we includein the analysis changes in individual homeowner’s equity and inthe overall …

The boom in nonprime mortgage lending that occurred inthe United States between 2004 and 2006 was quicklyfollowed by … role in the credit crunch that began in mid-2007. …

We show that since 1994, branching deregulations in the U.S have signi…cantly af-fected the supply of mortgage credit …, and ultimately house prices. With deregulation,the number and volume of originated mortgage loans increase, while denial … rates fall.But the deregulation has no effect on a placebo sample, formed of independent mort-gage companies that should not …

and employers” in insurance and financial services. Our membership includes 4,158 members1 of the CII Society of Mortgage … Professionals (SMP) which is the UK’s largest society of mortgage broking, adviser and related roles.[...] …

losses on defective loans that had been sold to securitisers of pooled loan packages (ie, mortgage-backed securities). It …

This paper uses a unique data set on more than 600,000 mortgagecontracts to estimate a credit supply function which …