{"id":"W114459216","doi":"","title":"Why use a Mortgage Broker instead of a Bank in BC and Alberta","year":2013,"lang":"en","type":"article","venue":"","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Shared appreciation mortgage; Mortgage underwriting; Business; Collateralized mortgage obligation; Commercial mortgage-backed security; Mortgage insurance; Secondary mortgage market; Financial system; Finance; Economics","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.004276787,0.0002302976,0.0004451533,0.0007307787,0.01546517,0.00714073,0.002142521,0.003912677,0.01094217],"category_scores_gemma":[0.01069829,0.0006293893,0.0003226665,0.001420672,0.007166998,0.002997546,0.002502362,0.005142118,0.001140906],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.03305731,"about_ca_system_score_gemma":0.06694359,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9418004,"about_ca_topic_score_gemma":0.9778367,"domain_scores_codex":[0.9950178,0.0007922418,0.0001194063,0.0006307298,0.00123909,0.002200678],"domain_scores_gemma":[0.9864805,0.001905378,0.0007706136,0.0005562018,0.003908378,0.006378952],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0006067336,0.0008379177,0.3693481,0.0002586669,0.0002092067,0.005326089,0.04003337,0.002795654,0.005712125,0.1192907,0.2511917,0.2043899],"study_design_scores_gemma":[0.0002378344,0.0001841374,0.3750722,0.0009773929,0.0001987564,0.00176999,0.1803623,0.00326518,0.002671136,0.02907407,0.4059159,0.0002711279],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.5446391,0.004252763,0.00250659,0.3071038,0.001484953,0.0001160699,0.0001985017,0.0001391025,0.1395591],"genre_scores_gemma":[0.8973224,0.001541456,0.002080522,0.02558783,0.0001889095,0.00004009263,0.00009559681,0.0001261364,0.07301711],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.05819958,"threshold_uncertainty_score":0.2398487,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02236338072656798,"score_gpt":0.2085327806029416,"score_spread":0.1861693998763736,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}