Replication data and code for Bank Branch Networks, Deposit Repricing, and Mortgage Contract Composition

Replication materials for Bank Branch Networks, Deposit Repricing, and Mortgage Contract Composition by Yang Li and Ziliang Yu (version 1.0.0). The deposit contains analysis-ready aggregate data derived from public HMDA, FDIC regulatory and branch records, quarterly federal funds rates, portable Python code, a data dictionary, audited reference results, and supplementary coefficient exports. The core driver re-estimates the main funding and mortgage models and the non-originated-application checks. Licensed WRDS extracts and borrower-level records are excluded; supplementary legacy analyses are supplied as numerical exports with access and scope documentation. Results describe conditional associations across bank operating models. Funding: Asia Research Center, Nankai University (AS2503), and National Natural Science Foundation of China (72103105). See README.md for exact reproduction coverage, provenance, and licensing.