{"id":"W4403544765","doi":"10.1080/02673037.2024.2415056","title":"Collateral damage. Personal lenders and the creation of national mortgage markets in North America, 1890s-1960s","year":2024,"lang":"en","type":"article","venue":"Housing Studies","topic":"Housing, Finance, and Neoliberalism","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"McMaster University","funders":"","keywords":"Collateral; Collateral damage; Secondary mortgage market; Mortgage insurance; Business; Mortgage underwriting; Shared appreciation mortgage; Financial system; Collateralized mortgage obligation; Economics; Finance; Sociology; Criminology","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":[0.0005076968,0.00009323444,0.000145927,0.0009225308,0.001720241,0.001593814,0.0002280903,0.0004570824,0.01010203],"category_scores_gemma":[0.001749966,0.0001310865,0.00009401976,0.001244829,0.003036517,0.002666636,0.0009634758,0.001151658,0.000319008],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.004801814,"about_ca_system_score_gemma":0.001421743,"about_ca_topic_candidate":true,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.1116675,"about_ca_topic_score_gemma":0.2829078,"domain_scores_codex":[0.9997725,0.00004033401,0.0000115514,0.00004754834,0.00005101864,0.00007703739],"domain_scores_gemma":[0.9990124,0.0001471667,0.0003918011,0.0000480833,0.0001420433,0.0002585405],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"observational","study_design_scores_codex":[0.0002026965,0.0002579583,0.2493364,0.0002914154,0.00003270844,0.00125201,0.06986153,0.0008561157,0.0005708777,0.5031125,0.05390669,0.1203192],"study_design_scores_gemma":[0.00001401354,0.00006654051,0.6262432,0.0003696248,0.000009105471,0.0002756405,0.01646763,0.000328208,0.0003051222,0.01306908,0.3428319,0.00002000978],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.811802,0.00917096,0.0003223428,0.01160047,0.000104547,0.00001801476,0.001017866,0.00001929353,0.1659446],"genre_scores_gemma":[0.9797705,0.002890035,0.0001117764,0.0002588492,0.00006572932,0.000006601493,0.0001964828,0.000006833598,0.01669324],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.8883325,"threshold_uncertainty_score":0.2220351,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03600022213533049,"score_gpt":0.2615114870089842,"score_spread":0.2255112648736537,"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."}}