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RePEcRisk, Credit & Banking

Pricing Power in the Mortgage Market: Evidence from GSE Fee Waivers

Mortgage intermediaries capture over 60% of $1.5 billion in GSE fee waivers; loan officers with histories of pricing expensive mortgages pass through less than 20% of savings.

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Featured in No. 137 on 30 Oct 2026 · 4 days after release

Pass-through rates over time showing sharp drop after policy change, with confidence intervals
Figure 2: Dynamic estimates of pass-through. Regression includes county, day, and lender fixed effects, and borrower controls; borrower controls include race, gender, age bins, DTI bins, LTV bins, credit score bins, and interactions of LTV and credit score bins. Reference month is October 2022. The…
Released
26 Oct 2026
First featured
No. 137 · 30 Oct 2026
Published in
Not yet, as far as Semantic Scholar knows
Fanfare
3 of 5
Identifier
RePEc:nbr:nberwo:35907
Authors
Neil Bhutta et al.

Citations and venue from Semantic Scholar (ODC-BY), refreshed weekly. Summary: Quant Letter (CC BY 4.0).

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