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 … securitizing banks. In areas with more exposure to banks that have tightened standards, mortgage delinquency rates, house prices …

subprime crisis, the CRA was accused of having promoted risky lending. This paper estimates the effect of the CRA on mortgage … redefinitions of Metropolitan Statistical Areas in 2003. The CRA caused a substantial increase in mortgage lending, especially among …

We analyze the effect of a U.S. subprime mortgage regulation on the availability of mortgagecredit. Due to all subprime … mortgage originators being affected by the regulation studied,there is no natural control group. We use a pro t maximization … exiting the subprime mortgage market in over 200 counties, although we cannotrule out economically signi cant impacts on some …

Analyzing the period 1988--2006, we document that banks that are active in strong housing markets increase mortgage … profitable opportunities in mortgage lending, rather than with a demand-based interpretation. The results suggest that housing …

We examine the effect of bank mergers on the price and availability of credit in the residential mortgage market. We … mortgage applications but this effect is weaker for low-income, black and Hispanic applicants; and decrease approval rates for … FHA mortgage applications, especially for low-income and non-white applicants …

We document that, since 2011, mortgage lenders reduced credit to middle-class households by 15% and increased credit to … wealthy households by 21%. Credit to low-income households was unaffected. Results hold at the individual-loan level and zip …

-term outcomes of mortgage borrowers beyond performance on their mortgage, such as whether credit scores recover after delinquency at … score, house price appreciation, and higher-priced loan status; (2) credit score recovery after mortgage delinquency, on …This article describes mortgage lending activity in 2012 based on newly available data reported under the Home Mortgage …