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Overages in mortgage pricing
Discussion of market information dissemination
An analysis of the behavior of mature black-owned commercial banks
Is there discrimination in mortgage pricing? the case of overages
We conduct an empirical investigation to explain observed differentials in mortgage overage pricing. Our analysis makes several contributions. First, we study an area of mortgage pricing that is little understood by consumers and has received little scrutiny in the literature. Second, we consider the impact of the market power of individual loan officers on overages paid by borrowers, particularly minorities. Third, we include a number of borrower and lender characteristics not available in previous analysis. ; Importantly, we introduce a new direct measure of the market power of individual ...