Cross-Lender Variation in Home Mortgage Lending

by Robert B. Avery, Patricia E. Beeson, and Mark S. Sniderman Robert B. Avery is an associate professor in the Department of Consumer Economics and Housing, Cornell University, and Patricia E. Beeson is an associate professor of economics at the University of Pittsburgh; both are visiting scholars at the Federal Reserve Bank of Cleveland. MarkS. Sniderman is senior vice president and director of research at the Federal Reserve Bank of Cleveland. The authors thank Glenn Canner, Charles Carlstrom, John Duca, Stuart Gabriel, Jagadeesh Gokhale, John Ham, Joseph Haubrich, Stuart Rosenthal, Peter Rupert, and Peter Zorn for helpful comments and suggestions.