loan from a fintech lender than a traditional bank. Among conventional lenders, smaller banks were much less likely to lend … to show that the disparity is not primarily explained by differences in pre-existing bank or credit relationships, firm …, pointing to a potential role for discrimination in explaining some of the racial disparities in small business lending. We find …

, and the bank approval disparity is also larger in more racially biased counties. We conclude that insofar as automation by …

The 30-year fixed-rate fully amortizing mortgage (or "traditional fixed-rate mortgage") was a substantial innovation … accumulation, many lenders require large down payments. Second, in each monthly mortgage payment, homeowners substantially …. To resolve these three flaws, we propose a new fixed-rate mortgage, called the Fixed-Payment-COFI mortgage (or "Fixed …

bank approval disparity is also larger in more racially biased counties. We conclude that insofar as automation by fintechs …

from banks and toward fintechs is significantly stronger in more racially biased counties, and the bank approval disparity …

This paper examines racial disparities in mortgage processing time prior to the global financial crisis. We find that … segments of mortgage markets, faster lenders within each segment, and the types of loan products that are processed faster, all …