It is widely perceived that the supply of mortgages, especially since the extensive liberalization of the mortgage …) introduction of new mortgage products, (5) reduced transaction costs and asymmetric information with innovations of IT, telephony …-correction model in which the average amount of mortgage is explained by the borrowing capacity and additional control variables. The …

We document that banks reduce supply of jumbo mortgage loans when policy uncertainty increases as measured by the …

conditions required by the banking system to grant a mortgage. The authors find that easier access to credit inflates housing …

This paper investigates the housing and mortgage markets by means of an agent-based macroeconomic model of a credit … households’ creditworthiness conditions required by banks in order to grant a mortgage. Results show that easier access to credit …

We construct a new measure of mortgage credit availability that describes the maximum amount obtainable by a borrower … of given characteristics. We estimate this "loan frontier" using mortgage originations data from 2001 to 2014 and show … that it reflects a binding borrowing constraint. Our estimates reveal that the expansion of mortgage credit during the …

-lived effect of credit supply on house prices. We then exploit the segmentation of the conventional mortgage market from program … uncover a net increase in credit for all other residential mortgage applicants that aligns closely with the evolution of house …

mortgage credit instrument could alleviate a portion of this gap and aid market access by providing between 1,100 and 5 …

The late 1990s through the mid-2000s was a period of historic growth in mortgage lending and house prices and there is … with the view that the house price boom was caused by an expansion in the supply of mortgage credit, primarily benefiting … borrowers and neighborhoods which previously had the most limited access to mortgage credit. In particular, the evidence can be …

researchers to depend on data from insurance company portfolios or the commercial mortgage backed securities (CMBS) market …