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The Real Consequences of Bank Mortgage Lending Standards

Vojtech, Cindy M. - 2018

We examine the real effects of changes in bank mortgage loan underwriting standards by combining responses to the Federal Reserve's Senior Loan Officer Opinion Survey, application information from the Home Mortgage Disclosure Act, and local housing market measures over 1990 to 2013. Tightened...

Persistent link: https://www.econbiz.de/10012936144

The real consequences of bank mortgage lending standards

Vojtech, Cindy M.; Kay, Benjamin S.; Driscoll, John C. - In: Journal of financial intermediation 44 (2020), pp. 1-17

Persistent link: https://www.econbiz.de/10012653842

Is lending distance really changing? : distance dynamics and loan composition in small business lending

Adams, Robert M.; Brevoort, Kenneth P.; Driscoll, John C. - In: Journal of banking & finance 156 (2023), pp. 1-15

Persistent link: https://www.econbiz.de/10014487040

Credit lines and credit utilization

Agarwal, Sumit; Ambrose, Brent William; Liu, Chunlin - In: Journal of money, credit and banking : JMCB 38 (2006) 1, pp. 1-22

Persistent link: https://www.econbiz.de/10003287486

Payday loans and credit cards: new liquidity and credit scoring puzzles

Agarwal, Sumit; Skiba, Paige Marta; Tobacman, Jeremy - In: The American economic review 99 (2009) 2, pp. 412-417

Persistent link: https://www.econbiz.de/10003854363

Distance and private information in lending

Agarwal, Sumit; Hauswald, Robert - In: The review of financial studies 23 (2010) 7, pp. 2757-2788

Persistent link: https://www.econbiz.de/10003992042

The importance of adverse selection in the credit card market : evidence from randomized trials of credit card solicitations

Agarwal, Sumit; Chomsisengphet, Souphala; Liu, Chunlin - In: Journal of money, credit and banking : JMCB 42 (2010) 4, pp. 743-754

Persistent link: https://www.econbiz.de/10003982458

Collateral valuation and borrower financial constraints : evidence from the residential real estate market

Agarwal, Sumit; Ben-David, Itzhak; Yao, Wenxiong - In: Management science : journal of the Institute for … 61 (2015) 9, pp. 2220-2240

Persistent link: https://www.econbiz.de/10011372430

Do banks pass through credit expansions? : the marginal profitability of consumer lending during the Great Recession

Agarwal, Sumit; Chomsisengphet, Souphala; Mahoney, Neale; … - 2015

We examine the ability of policymakers to stimulate household borrowing and spending during the Great Recession by reducing banks' cost of funds. Using panel data on 8.5 million U.S. credit card accounts and 743 credit limit regression discontinuities, we estimate the marginal propensity to...

Persistent link: https://www.econbiz.de/10011343066

Collateral valuation and borrower financial constraints : evidence from the residential real-estate market

Agarwal, Sumit; Ben-David, Itzhak; Yao, Wenxiong - 2012

Persistent link: https://www.econbiz.de/10009699409