The authors empirically analyze the price-setting behaviour of the major Canadian banks in the residential mortgage … market over the period 19912007. They use weekly posted prices of the major mortgage providers to study the degree of … competition in mortgage price setting. Their results suggest that the residential mortgage market is imperfectly competitive. They …

mortgage performance. I show that face-to-face interaction between a mortgage broker and borrower before the loan funds is … associated with lower levels of ex post default. The relation between face-to-face broker-borrower interaction and mortgage … mortgage broker and borrower may reduce problems associated with financial illiteracy …

Technology-based ("FinTech") lenders increased their market share of U.S. mortgage lending from 2 percent to 8 percent … from 2010 to 2016. Using market-wide, loan-level data on U.S. mortgage applications and originations, we show that FinTech … lenders process mortgage applications about 20 percent faster than other lenders, even when controlling for detailed loan …

mortgage is therefore critical to financial well-being but households often make costly mistakes. We collect data in an online … survey to test borrowers' comfort with, and understanding of, mortgage debt. We analyze the impact of financial literacy …, mortgage broker advice and whether the loan is framed as a lump sum debt or an equivalent stream of repayments. We conjecture …