{"id":"W4390206206","doi":"10.3386/w31989","title":"The Role of Intermediaries in Selection Markets: Evidence form Mortgage Lending","year":2023,"lang":"en","type":"report","venue":"National Bureau of Economic Research","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":2,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada; Queen's University","funders":"National Science Foundation","keywords":"Intermediary; Business; Selection (genetic algorithm); Mortgage underwriting; Secondary mortgage market; Financial system; Mortgage insurance; Monetary economics; Economics; Finance; Computer science","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.003970029,0.0002581745,0.0006012457,0.001333919,0.001873704,0.002732611,0.0009505682,0.001260182,0.01422912],"category_scores_gemma":[0.02165908,0.0003913293,0.0004839012,0.001914341,0.002472086,0.002455504,0.001758535,0.001151624,0.0009696661],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002550772,"about_ca_system_score_gemma":0.002439774,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.2386815,"about_ca_topic_score_gemma":0.2570933,"domain_scores_codex":[0.9984128,0.0005377439,0.00008770092,0.0001935014,0.0003599553,0.0004082314],"domain_scores_gemma":[0.9588518,0.0199598,0.01387524,0.001803399,0.002099333,0.003410424],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0007661932,0.0003962987,0.9475686,0.0001224753,0.0001084626,0.0004809812,0.002580736,0.001322726,0.0007059202,0.01453201,0.001862778,0.02955283],"study_design_scores_gemma":[0.000318789,0.0002402074,0.9634252,0.0001067865,0.0002548163,0.0002849467,0.005030714,0.0097181,0.0009910164,0.01184092,0.007741681,0.00004683699],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9876012,0.00125301,0.001257711,0.001397276,0.000005750671,0.00005505946,0.000487696,0.00002679404,0.007915496],"genre_scores_gemma":[0.997088,0.0006170614,0.0003202283,0.00008467591,0.00001784896,0.00001027887,0.0002302105,0.000005204519,0.001626491],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.2386815,"threshold_uncertainty_score":0.4745845,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.4347999939538736,"score_gpt":0.481351072010202,"score_spread":0.04655107805632841,"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."}}