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Consumer Lending Discrimination in the FinTech Era
Bartlett, Robert P. - 2019
mortgage credit risk by Fannie Mae and Freddie Mac. We find that lenders charge Latinx/African-American borrowers 7.9 and 3 …
Persistent link: https://www.econbiz.de/10012900731
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Fintech Lending and Mortgage Credit Access
Jagtiani, Julapa - 2019
Following the 2008 financial crisis, mortgage credit tightened and banks lost significant mortgage market share to … similar to those of traditional lenders? Unlike in small business and unsecured consumers lending, fintech mortgage lenders do … not have the same incentives or flexibility to use alternative data for credit decisions because of stringent mortgage …
Persistent link: https://www.econbiz.de/10012858553
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Which lenders are more likely to reach out to underserved consumers : banks versus fintechs versus other nonbanks?
Dolson, Erik; Jagtiani, Julapa - 2021
Persistent link: https://www.econbiz.de/10012651299
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Fintech lending and mortgage credit access
Jagtiani, Julapa; Lambie-Hanson, Lauren; Lambie-Hanson, … - In: The journal of FinTech 1 (2021) 1, pp. 2050004-1-2050004-50
Persistent link: https://www.econbiz.de/10012628293
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Fintech Lending and Mortgage Credit Access
Jagtiani, Julapa; Lambie-Hanson, Lauren; Lambie-Hanson, … - 2021
Following the 2008 financial crisis, mortgage credit tightened and banks lost significant mortgage market share to … similar to those of traditional lenders? Unlike in small business and unsecured consumers lending, fintech mortgage lenders do … not have the same incentives or flexibility to use alternative data for credit decisions because of stringent mortgage …
Persistent link: https://www.econbiz.de/10013220550
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The geography of mortgage lending in times of FinTech
Basten, Christoph; Ongena, Steven - 2019
How do banks offer mortgages through on online platform to areas without their branch presence? Unique data on responses from different banks to applicant households yield three salient findings: First, banks offer 4% more often and 6 basis points cheaper credit when markets have high versus low...
Persistent link: https://www.econbiz.de/10012052445
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Fintech lending and mortgage credit access
Jagtiani, Julapa; Lambie-Hanson, Lauren; Lambie-Hanson, … - 2019
Persistent link: https://www.econbiz.de/10012197796
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Do Fintech Shadow Banks Compete with Technological Advantages? Evidence from Mortgage Lending
Shen, Siyi; Wang, Sijie; Zheng, Xiang - 2022
Contrary to common perceptions, we find that fintech shadow banks do not possess technological advantages over traditional banks, which have had significantly more patent output and technology-based talent (digital capital) acquisitions over the past decade. Consequently, although fintech shadow...
Persistent link: https://www.econbiz.de/10014236486
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Consumer-lending discrimination in the FinTech Era
Bartlett, Robert P.; Morse, Adair; Stanton, Richard; … - In: Journal of financial economics 143 (2022) 1, pp. 30-56
Persistent link: https://www.econbiz.de/10013350619
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The role of intermediaries in selection markets : evidence from mortgage lending
Allen, Jason; Clark, Robert; Houde, Jean-François; Li, … - 2023 - Last updated: February 24, 2023
We study the role of intermediaries (brokers) in the Canadian mortgage market. In this market, consumers can search for … mortgage demand to disentangle two explanations for why borrowers wind up with these riskier mortgage products: (i) brokers …
Persistent link: https://www.econbiz.de/10013542130