Digitalization is transforming the mortgage market at every stage of the value chain. In this paper, we examine the potential for the mortgage industry to leverage…
W08-4: By looking beyond the financial characteristics of borrowers, this research brings to light the social factors that influence a borrower’s choice of a lender and…
BABC 04-23: Mortgage lenders have long used credit scores as a basis for estimating borrower risk. This risk differentiation is reflected in the coupon rate of the loan…