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

important determinant of the contraction of credit in the mortgage market, but as separate from the precipitous fall in credit … to liquidity risk contracted their supply of credit more sharply. I contribute to the identification of this effect by … relying on the use of micro-level data on US mortgage loan applications, which allows me to identify liquidity risk as an …

Under the Community Reinvestment Act (CRA), banks can fulfill their obligation to meet local credit needs either by … credit for purchases has had its intended effect of making LMI credit more available by enhancing LMI loan liquidity. Using …

attention is paid to the challenges that the real estate market and mortgage loans have been facing during the crisis caused by …

supervisory bodies dedicated to demand indicators influence credit increase limitation in different ways. Non-standard actions …

We develop a framework to explore the effect of credit ratings on loan origination and securitization. In the model …