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Foreclosures: relationship lending in the consumer market and its aftermath

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Author Info
O. Emre Ergungor

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Abstract

Relationship lending theory suggests that lenders in close proximity to their borrowers might be the most efficient providers of screening and monitoring services, because the cost of collecting information declines with distance. The author presents evidence that ties bank branch presence to borrower performance in the low-income housing market, which provides support for this theory.

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File URL: http://www.clevelandfed.org/Research/Workpaper/2006/wp0617.pdf
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Publisher Info
Paper provided by Federal Reserve Bank of Cleveland in its series Working Paper with number 0617.

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Date of creation: 2006
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Handle: RePEc:fip:fedcwp:0617

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Related research
Keywords: Branch banks ; Mortgage loans;

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References listed on IDEAS
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  1. Sumit Agarwal & Robert B. H. Hauswald, 2007. "Distance and information asymmetries in lending decisions," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 183-204.
  2. Winton Andrew, 1995. "Delegated Monitoring and Bank Structure in a Finite Economy," Journal of Financial Intermediation, Elsevier, vol. 4(2), pages 158-187, April. [Downloadable!] (restricted)
  3. Robert Hauswald & Robert Marquez, 2006. "Competition and Strategic Information Acquisition in Credit Markets," Review of Financial Studies, Oxford University Press for Society for Financial Studies, vol. 19(3), pages 967-1000. [Downloadable!] (restricted)
  4. Robert DeYoung & Dennis Glennon & Peter Nigro, 2005. "Borrower-lender distance, credit scoring, and the performance of small business loans," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 299-309.
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