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We show that since 1994, branching deregulations in the U.S have signi…cantly af-fected the supply of mortgage credit, and ultimately house prices. With deregulation,the number and volume of originated mortgage loans increase, while denial rates fall.But the deregulation has no effect on a...
Persistent link: https://www.econbiz.de/10009522189
We show that since 1994, branching deregulations in the U.S have significantly affected the supply of mortgage credit, and ultimately house prices. With deregulation, the number and volume of originated mortgage loans increase, while denial rates fall. But the deregulation has no effect on a...
Persistent link: https://www.econbiz.de/10013136193
We show that since 1994, branching deregulations in the U.S have signi cantly affected the supply of mortgage credit, and ultimately house prices. With deregulation, the number and volume of originated mortgage loans increase, while denial rates fall. But the deregulation has no effect on a...
Persistent link: https://www.econbiz.de/10013147680
Persistent link: https://www.econbiz.de/10010509456
Persistent link: https://www.econbiz.de/10011738596
We provide evidence that lenders differ in their ex post incentives to internalize price-default externalities associated with the liquidation of collateralized debt. Using the mortgage market as a laboratory, we conjecture that lenders with a large share of outstanding mortgages on their...
Persistent link: https://www.econbiz.de/10012973542