Technology-based ("FinTech") lenders increased their market share of U.S. mortgage lending from 2 percent to 8 percent … suggest that technological innovation has improved the efficiency of financial intermediation in the U.S. mortgage market. … from 2010 to 2016. Using market-wide, loan-level data on U.S. mortgage applications and originations, we show that FinTech …

of the Danish mortgage finance system and compare and contrast it to the U.S. system. We also note characteristics of the … Danish model that may be of interest as the United States considers further mortgage finance reform. In particular, the … borrowers the option to repurchase their mortgage at the market price, mitigating "lock-in" effects. Danish mortgage …

We present 12 facts about the mortgage crisis. We argue that the facts refute the popular story that the crisis … resulted from finance industry insiders deceiving uninformed mortgage borrowers and investors. Instead, we argue that borrowers … prices. We then show that neither institutional features of the mortgage market nor financial innovations are any more likely …

1999 to 2007. It looks at mortgage indebtedness, various characteristics of loans for house purchase, the funding of such …

defaulters have both negative equity and enough liquid or illiquid assets to make one month's mortgage payment. This finding …

substantial mortgage lender. In fact, ten years earlier it had converted from a mutual building society whose activities were …

the CRT programs have been successful in reducing the exposure of the federal government to mortgage credit risk without … disrupting the liquidity or stability of mortgage secondary markets. In the process, the programs have created a new financial … market for pricing and trading mortgage credit risk, which has grown in size and liquidity over time. The CRT programs …

We study the evolution of US mortgage credit supply during the COVID-19 pandemic. Although the mortgage market … frictions and operational bottlenecks contributed to unusually inelastic credit supply, and that technology-based lenders …