Technology-based (“FinTech”) lenders increased their market share of U.S. mortgage lending from 2 percent to 8 percent … suggest that technological innovation has improved the efficiency of financial intermediation in the U.S. mortgage market … from 2010 to 2016. Using market-wide, loan-level data on U.S. mortgage applications and originations, we show that FinTech …

Technology-based ("FinTech") lenders increased their market share of U.S. mortgage lending from 2 percent to 8 percent … suggest that technological innovation has improved the efficiency of financial intermediation in the U.S. mortgage market. … from 2010 to 2016. Using market-wide, loan-level data on U.S. mortgage applications and originations, we show that FinTech …

borrower types and provides better pricing. We test the effectiveness of a specific set of contracts in the mortgage market …: mortgage points. Points allow borrowers to exchange an upfront amount for a decrease in the mortgage rate. We document that, on … overestimate how long they will stay with the mortgage …

Nowadays Italian borrowers can choose among a variety of mortgage contracts. Using a special Bank of Italy survey on … effect among banks in providing differentiated mortgage contracts …

these GSEs as mortgage market conditions deteriorated in 2007 and 2008. The analysis focuses on a key element of OFHEO …

for Fannie Mae and Freddie Mac. We study a key component of OFHEOs model - 30-year fixed-rate mortgage performance - and … in a significant underprediction of mortgage credit losses and associated capital needs at Fannie Mae and Freddie Mac …