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The role of FinTech lenders in mortgage market: Evidence from corporate relocations

Author

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  • Liu, Shiang
  • Yang, Changyu

Abstract

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.

Suggested Citation

  • Liu, Shiang & Yang, Changyu, 2024. "The role of FinTech lenders in mortgage market: Evidence from corporate relocations," Finance Research Letters, Elsevier, vol. 63(C).
    • Handle: RePEc:eee:finlet:v:63:y:2024:i:c:s1544612324004185
    DOI: 10.1016/j.frl.2024.105388
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    More about this item

    Keywords

    FinTech; Mortgage supply; Underwriting criteria; Corporate headquarter relocation; Mortgage securitization;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth

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