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The Role of Technology in Mortgage Lending

Wednesday, Apr 07 2021
Whitepapers
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In this paper, we study the effects of FinTech lending on the U.S. mortgage market. Our
main hypothesis is that the FinTech lending model represents a technological innovation that
reduces frictions in mortgage lending, such as lengthy loan processing, capacity constraints,
inecient re nancing, and limited access to nance by some borrowers.

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