Ioannis Spyridopoulos

Dr. Ioannis Spyridopoulos is Associate Professor of Finance at the Kogod School of Business at American University and a Visiting Research Scholar at the Board of Governors of the Federal Reserve System. His research examines how access to capital markets affects firms and households, with a focus on banking, financial networks, and corporate governance. His recent work studies depositor behavior, bank consolidation, and how AI adoption shapes firms' productivity and financing. His work has appeared in leading finance journals, including Management Science, the Journal of Financial and Quantitative Analysis, and the Journal of Financial Intermediation. His research has won several best paper awards, including the Rising Scholar Award from the Review of Corporate Finance Studies. Dr. Spyridopoulos received a B.A. in Finance from the University of Piraeus, an M.A. in Economics from Duke University, and a Ph.D. in Finance from Rice University.

Bank Mergers Aren’t Raising Your Mortgage Rate

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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