Lenders also don't like to keep bad loans on their books. (debt.org)
In part, the change is occurring because lenders don't want to hold loans on their books for the longer period it takes to create more complex combinations. (realtormag.realtor.org)
The third reason banks aren't lending is because they have billions of commercial loans on their books at prices they know don't reflect the actual worth of those loans. (ashworthpartners.com)