. Specifically, I examine the influence of delayed loan loss recognition (DLR) on bank lending and risk-taking in the U.S. mortgage … aggregate effects of banks' DLR on the housing market. I find high DLR banks reduced mortgage supply, leading high exposure ZIP … codes to experience larger decreases in mortgage supply during the crisis. Mortgages from high DLR banks were also more …

to take a forward-looking approach to recognizing life-of-loan losses upon loan origination. Using bank mortgage approval … decrease in the sensitivity of mortgage approval rates to house price growth after adoption. The effect is stronger when …

This paper investigates the link between mortgage supply shocks at the banklevel and regional house price growth in the … U.S. using micro-level data on mortgage markets from the Home Mortgage Disclosure Act for the 1990-2014 period. Our … results suggest that bank-specific mortgage supply shocks indeed affect house price growth at the regional level. The larger …

This paper investigates the link between mortgage supply shocks at the banklevel and regional house price growth in the … U.S. using micro-level data on mortgage markets from the Home Mortgage Disclosure Act for the 1990-2014 period. Our … results suggest that bank-specific mortgage supply shocks indeed affect house price growth at the regional level. The larger …

This paper uses a dynamic model of borrowers, savers, and banks to understand the behavior of house prices, mortgage … model is calibrated to different stages of mortgage finance. The conclusion is that, in addition to laxer borrowing …, mortgage spreads, and mortgage debt during the boom-bust cycle. The two quantitatively most powerful causes of the boom in the …

young, low net-worth households are able to get a mortgage and buy a house, and current (old) home-owners benefit from the …

We analyze link between mortgage-related regulatory penalties levied on banks and the level of systemic risk in the U …

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