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 …

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

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 …

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 …