amongst mortgage lenders and adds the idea of lender competition into this framework. Despite this addition, the results are … loans, selling most of their mortgages and making less profit off each mortgage while concentrated lenders do the opposite …

the late-2000s. For example, models that assigned credit ratings to mortgage-backed securities (MBS) predicted relative … was in the mid-2000s that competitive pressure spiked among mortgage originators and securitisers, as measured by … mortgage types like no-documentation loans, improving the efficiency of back office processing of mortgages, reducing quality …

mortgage providers but the largest bank shifted the Dutch mortgage market from a competitive to a collusive price leadership … equilibrium. In May 2009, mortgage rates in The Netherlands suddenly rose against the decreasing funding cost trend to almost a …, and estimate response adjustments in cointegrating equations on a large data set of daily mortgage rates 2004 …

probability that banks securitize mortgage loans. This result is driven by an 11 basis point increase in deposit costs and …