researchers to depend on data from insurance company portfolios or the commercial mortgage backed securities (CMBS) market …, neither of which are good proxies for bank CRE loans. We use a unique loan-level dataset from banks taken immediately to their …

nature of bank lending relationship. We use a large dataset of CLO collaterals to identify securitized loans and the …

, tailor-made micro-level data set on bank lending volumes, bank balance sheets and mortgage loan characteristics. Controlling …Was the bank credit crunch following the collapse of Lehman Brothers in September 2008 in many economies due to a loan … for a range of bank-specific factors, we find that banks with larger shares of residential mortgages in total loans in …

nature of bank lending relationship. We use a large dataset of CLO collaterals to identify securitized loans and the …

mortgage credit risk by Fannie Mae and Freddie Mac. We find that lenders charge Latinx/African-American borrowers 7.9 and 3 …

We examine the real effects of FAS 166 and FAS 167 on banks' loan-level mortgage approval and sale decisions. Effective … recognize more securitized assets exhibit larger decreases in mortgage approval rates and larger increases in mortgage sale …

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 …

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 …