{"id":"W3125516701","doi":"10.1111/j.1540-6229.2005.00135.x","title":"An Empirical Test of a Two-Factor Mortgage Valuation Model: How Much Do House Prices Matter?","year":2005,"lang":"en","type":"article","venue":"Real Estate Economics","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":90,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"University of North Carolina at Chapel Hill; University of British Columbia; Keio University; Rice University; University of Southern California","keywords":"Prepayment of loan; Economics; Valuation (finance); House price; Econometrics; Interest rate; Financial economics; Actuarial science; Monetary economics; Finance","routes":{"ca_aff":false,"ca_fund":true,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow"],"consensus_categories":[],"category_scores_codex":[0.0007380943,0.0003325491,0.0007364101,0.0003383923,0.0001167639,0.000277455,0.0004377592,0.0001851109,0.0002286968],"category_scores_gemma":[0.00005060673,0.0004218925,0.0001897457,0.0001242053,0.0001033805,0.001289554,0.00008015336,0.0002062044,0.0005603248],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0004358052,"about_ca_system_score_gemma":0.0001023639,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0002775323,"about_ca_topic_score_gemma":0.0004210586,"domain_scores_codex":[0.9976475,0.00002374378,0.001060216,0.0007209624,0.00003330812,0.0005142388],"domain_scores_gemma":[0.9979357,0.0001463525,0.0008978684,0.0007344116,0.00004691206,0.0002388147],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"simulation_or_modeling","study_design_scores_codex":[0.0001317779,0.001022664,0.72961,0.000126439,0.0001618723,0.000003976046,0.006975109,0.1666651,0.0002151112,0.0118738,0.001062167,0.08215197],"study_design_scores_gemma":[0.001220989,0.0001583654,0.02931809,0.00001035414,0.00002138951,0.000007495571,0.0001781813,0.9516488,0.0003482724,0.01211701,0.004279778,0.0006912283],"study_design_candidate":"simulation_or_modeling","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9533704,0.00002333418,0.0021686,0.0006583388,0.0001980044,0.000274941,0.0004292665,0.0001204357,0.04275668],"genre_scores_gemma":[0.9859015,0.003822282,0.009436547,0.0001860173,0.0002617857,0.00002250706,0.00005249276,0.0001350326,0.0001818394],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.7849838,"threshold_uncertainty_score":0.9998233,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.05531549997115741,"score_gpt":0.2788697994719155,"score_spread":0.2235542995007581,"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."}}