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 …

Starting from the mid-2000s, Poland experienced a period of rapid growth in mortgage lending, with banks offering … contributed to better risk management by banks and to the reduction of FX mortgage lending …

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 …

mortgage credit risk by Fannie Mae and Freddie Mac. We find that lenders charge Latinx/African-American borrowers 7.9 and 3 …

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 …

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 …