amongst mortgage lenders and adds the idea of lender competition into this framework. Despite this addition, the results are … loans, selling most of their mortgages and making less profit off each mortgage while concentrated lenders do the opposite …. When lenders are rational and face potential competition, they are able to use the bidding process as a means of generating …

in more competitive mortgage markets; with less-regulated non-bank lenders being most responsive to this competition …How do primary and secondary mortgage markets interact? This paper shows that funding shocks to mortgage originators … interact with the degree of local credit market competition to increase lending growth. Specifically, I use a shift …

provided to UK households by mortgage brokers. Using administrative data on loans originating in 2016 and 2017, we document the … average monthly mortgage costs by 21%, and welfare losses arising from search frictions by 70% – although the results differ …’ markups and lowers monthly costs of an average mortgage by 4.4% …

digital capital can better withstand competition from traditional banks, especially among high-FICO borrowers, non … later in the sample period, suggesting that fintech lenders improve financial inclusion to circumvent direct competition …

We examine the stock price reaction of rival firms to privatization announcements to infer information about industry … effects of privatization. We find that the rival firms reacted negatively to privatization announcements, thus suggesting that … find that the adverse reaction of the rival firms to privatization announcements in developing countries is stronger than …

A mortgage is an exchange of a collection of rights between a borrower and a lender. In this article, we describe those … medieval origins of the American mortgage contract and its evolution into its present form. We then turn to topics relevant for …-of-sale foreclosure; deficiency judgments and recourse; assignments; the Mortgage Electronic Registration System; and methods for avoiding …

selected stability and competition outcomes in these sectors. Based on survey information on financial market regulation …-oriented regulatory policies and competition in banking and insurance.<P>Régulation prudentielle et concurrence sur les marchés financiers …