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Estimated reading time: 0 minutes, 15 seconds

The Role of Technology in Mortgage Lending

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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