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 …

of the Voting Rights Act as a shock to the enfranchisement of black Americans with granular data on the US mortgage … market, we document a 14% decline in mortgage origination for black Americans. This is driven by their self-selection out of … the mortgage market rather than a change in denial rate. Additionally, we observe a flight of black demand to black …

exploit the rebranding of a mortgage lender to analyse households’ choice behaviour in response to brand popularity. Loan …-level data on new mortgages suggest that (1) brand awareness reduces the equilibrium price of residential mortgage contracts and …

mortgage contract designs that more directly pass through interest rate declines to borrowers can reduce racial mortgage …

This paper examines whether monetary policy pass-through to mortgage interest rates affects household fertility … 2 percent. In aggregate, this pass-through of accommodative monetary policy to mortgage rates was sufficiently large to … new evidence on the nature of monetary policy transmission to households and suggest a new mechanism via which mortgage …