The role of FinTech lenders in mortgage market: Evidence from

被引：0
|
作者：
Liu, Shiang [1 ]
Yang, Changyu [1 ]
机构：
[1] Univ Wisconsin La Crosse, Coll Business Adm, La Crosse, WI 54601 USA
来源：
FINANCE RESEARCH LETTERS | 2024年 / 63卷
关键词：
FinTech; Mortgage supply; Underwriting criteria; Corporate headquarter relocation; Mortgage securitization;
D O I：
10.1016/j.frl.2024.105388
中图分类号：
F8 [财政、金融];
学科分类号：
0202 ;
摘要：
This study investigates how FinTech lenders respond to the surge in mortgage demand caused by corporate headquarter relocations. We find that FinTech lenders tend to increase mortgage supply and loosen underwriting criteria as compared to non-FinTech lenders. The competitive advantage obtained from mortgage securitization enables FinTech lenders to capture growth opportunities.
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页数：12
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