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Bank Mergers Aren’t Raising Your Mortgage Rate

Celso Brunetti, Jeffrey Harris and Ioannis Spyridopoulos

In new research examining 44 million U.S. mortgages and nearly 5,000 bank mergers over three decades, Celso Brunetti, Jeffrey H. Harris, and Ioannis Spyridopoulos find that bank consolidation does not raise mortgage rates, restrict credit access, or degrade loan quality. Local mortgage markets remain intensely competitive.

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