We examine the closeness of relationships between households and their mortgage lenders using survey data which provide …. Our analysis is based on a sample of 470 households which have a mortgage and multiple bank relations, allowing us to … compare mortgage relations and non-mortgage relations for the same households. We find that mortgage relations are used for a …

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 …

, mortgage credit constraints and a price-to-price feedback loop affects house price volatility. Considering 247 Metropolitan …

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 …

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 …

Studies on denial rates in mortgage lending do not adequately account for lender heterogeneity due to divergent … underwriting or regulatory practices. Using a sample of over two million home purchase mortgage applications from the Home Mortgage … counterfactual experiments to predict the denial rates of individual lenders if they evaluate all mortgage applications in the …