We characterize the large number of mortgage offers for which people qualify in the United Kingdom. Very few pick the … dispersion in the mortgage menu is consistent with banks price discriminating for borrowers who might pick poorly, while …

We use a new methodology to assess mortgage pricing discrimination faced by minority borrowers. We identify a "menu … problem" that comes from the multidimensional nature of mortgage pricing: When getting a mortgage, borrowers can choose to … dimensions of mortgage pricing are by now often available, intuitively attractive metrics of lender pricing discrimination used …

We document wide dispersion in the mortgage rates that households pay on identical loans, and show that borrowers … percentile mortgage rate that borrowers with the same characteristics obtain for identical loans, in the same market, on the same … direct evidence that financial knowledge and shopping both affect the mortgage rates borrowers get, and that shopping …

lending guidelines, and demand in housing construction and mortgage lending has plummeted. Against this background, the paper …

In this paper, we analyse the price discrimination and household switching in the residential mortgage market …

details search behavior for a large sample of mortgage borrowers, with loan application and rejection decisions. Our data … reveal substantial dispersion in mortgage rates and search intensity, conditional on observables. However, in contrast to …

This paper describes a novel methodology of measuring risky and conservative mortgage credit using household survey … output, a feature linked to the lower relevance of homeownership which implies that mortgage credit plays a less prominent …

This paper documents large differences in mortgage prepayment behavior across racial and ethnic groups in the United … combines administrative data on mortgage performance with information on race and ethnicity, we show that Black and Hispanic … periods of low mortgage rates and high refinance volumes. From 2010 to 2014, Black borrowers were paying 30 to 45 basis points …

that mortgage contracts with low initial payments substantially increase household borrowing and lifetime interest costs. …