channels. Specifically, we use account-level data from LendingClub and Y-14M data reported by bank holding companies with total …

strengthens in-person, bank-based borrowing and informal borrowing, reducing the demand for impersonal online lending. Both of …

Paycheck Protection Program (PPP). We find that FinTech is disproportionately used in ZIP codes with fewer bank branches, lower …

We use a new methodology to assess mortgage pricing discrimination faced by minority borrowers. We identify a "menu … dimensions of mortgage pricing are by now often available, intuitively attractive metrics of lender pricing discrimination used … (HMDA) data to Optimal Blue rate locks, and present novel results on mortgage pricing discrimination. …

. Using mortgage application data collected under the Home Mortgage Disclosure Act, we document a large and persistent cross …

This paper examines racial and ethnic differences in high cost mortgage lending in seven diverse metropolitan areas … lenders explains almost all of the racial and ethnic differences in high cost mortgage borrowing …

We study the evolution of US mortgage credit supply during the COVID-19 pandemic. Although the mortgage market …