Mortgage Lending by National Banks*

Richard H. Keehn and Gene Smiley

Business History Review, 1977, vol. 51, issue 4, 474-491

Abstract: That restrictions on real-estate-mortgage lending by banks chartered under the National Banking Act of 1864 seriously restricted availability of long-term financing before 1913, has long been accepted. Professors Keehn and Smiley explain some ways in which resourceful national banks could circumvent this restriction. They find that lending within the letter but outside the spirit of the Act of 1864 was greater than published figures on direct lending indicate.

Date: 1977
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