reallocation increased the riskiness of banks' mortgage lending. …

conditions required by the banking system to grant a mortgage. The authors find that easier access to credit inflates housing …In this paper the authors present an agent-based model of a credit network economy. The artificial economy includes … market, the labor market, the credit market and the housing market. A set of computational experiments, based on numerical …

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 …

inclusion of a broad set of loan-level controls and fixed effects. We also find that the spread between high and low credit …

I study the effects of an increase in the supply of local mortgage credit on local house prices and employment by … dissatisfied retail customers from a large, universal bank, UBS, to homogeneous local mortgage lenders. Mortgage lenders located … in the geographic distance between UBS branches and local mortgage lenders as an instrument for deposit growth, I find …

This paper investigates whether mortgage loan servicers renegotiate a distressed loan differently depending on whether … the loan is held on their own books or by private investors. Using the proprietary mortgage metrics database that has …

-seeking behavior. They supply larger credit due to higher demand, but at higher rates due to greater perceived risks. The resulting …