Papers

Hard academic papers that I like to collect on a host of different topics.

4 Mortgage Mega Trends

Borrower expectations for digital engagement have risen dramatically over the past 3 years and even before the onset of covid, expectations were being driven by the rapid digitisation of the experiences in other industries. Remember ordering a meal from a waitron? Or buying a movie ticket? The majority of these interactions have now gone online …

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The Role of Technology in Mortgage Lending

This is not my paper, the full paper can be found here: https://academic.oup.com/rfs/article/32/5/1854/5427780 Technology-based (“FinTech”) lenders increased their market share of U.S. mortgage lending from 2 percent to 8 percent from 2010 to 2016. Using market-wide, loan-level data on U.S. mortgage applications and originations, we show that FinTech lenders process mortgage applications about 20 percent …

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