We characterize the large number of mortgage offers for which people qualify in the United Kingdom. Very few pick the … dispersion in the mortgage menu is consistent with banks price discriminating for borrowers who might pick poorly, while …

We use a new methodology to assess mortgage pricing discrimination faced by minority borrowers. We identify a "menu … problem" that comes from the multidimensional nature of mortgage pricing: When getting a mortgage, borrowers can choose to … dimensions of mortgage pricing are by now often available, intuitively attractive metrics of lender pricing discrimination used …

We document wide dispersion in the mortgage rates that households pay on identical loans, and show that borrowers … percentile mortgage rate that borrowers with the same characteristics obtain for identical loans, in the same market, on the same … direct evidence that financial knowledge and shopping both affect the mortgage rates borrowers get, and that shopping …

In this paper, we analyse the price discrimination and household switching in the residential mortgage market …

We document wide dispersion in the mortgage rates that households pay on identical loans, and show that borrowers … percentile mortgage rate that borrowers with the same characteristics obtain for identical loans, in the same market, on the same … direct evidence that financial knowledge and shopping both affect the mortgage rates borrowers get, and that shopping …

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

Using transaction-level data on Canadian mortgage contracts we document an increase in the average discount negotiated …