Do Fintech Lenders Align Pricing with Risk? Evidence from a Model-Based Assessment of Conforming Mortgages
This paper assesses whether fintech mortgage lenders align pricing with borrower risk using conforming 30-year mortgages (2012–2020). We estimate default probabilities using machine learning (logit, random forest, gradient boosting, LightGBM, XGBoost), finding that non-fintech lenders achieve the hi...
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| Main Authors: | , |
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| Format: | Article |
| Language: | English |
| Published: |
MDPI AG
2025-06-01
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| Series: | FinTech |
| Subjects: | |
| Online Access: | https://www.mdpi.com/2674-1032/4/2/23 |
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