{"id":"W4404102285","doi":"10.1093/rfs/hhae075","title":"The Role of Intermediaries in Selection Markets: Evidence from Mortgage Lending","year":2024,"lang":"en","type":"article","venue":"Review of Financial Studies","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":3,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada; Queen's University","funders":"National Science Foundation","keywords":"Intermediary; Mortgage underwriting; Shared appreciation mortgage; Secondary mortgage market; Business; Mortgage insurance; Financial system; Selection (genetic algorithm); 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":[0.003251686,0.0001929317,0.0005575287,0.001233737,0.001134162,0.002193606,0.0007931194,0.0009181345,0.009483831],"category_scores_gemma":[0.0169244,0.0002676162,0.0003858756,0.002176817,0.002101202,0.001829837,0.001064583,0.001006691,0.0006246741],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001823586,"about_ca_system_score_gemma":0.001620479,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.1978973,"about_ca_topic_score_gemma":0.1752442,"domain_scores_codex":[0.9989858,0.0003802453,0.00005030761,0.0001259449,0.0002737822,0.0001839367],"domain_scores_gemma":[0.9665555,0.01936422,0.00896206,0.001142849,0.002184566,0.001790666],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.001033201,0.0004090435,0.9194779,0.0003534038,0.0002805344,0.000795896,0.002399526,0.002236613,0.000913262,0.02112839,0.003029838,0.04794246],"study_design_scores_gemma":[0.0002254901,0.0001838269,0.9624133,0.0002038787,0.0003755236,0.0002553325,0.003859444,0.007995546,0.0009022485,0.01395808,0.009578204,0.00004908091],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9815444,0.005425138,0.001384037,0.002005772,0.00001031447,0.00003372794,0.0004555305,0.00002214828,0.009118828],"genre_scores_gemma":[0.9962619,0.002178855,0.0002269832,0.0001037566,0.00002543271,0.000006006284,0.0001768322,0.000004435477,0.001015749],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1978973,"threshold_uncertainty_score":0.3934907,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03801715208358469,"score_gpt":0.2782864421938601,"score_spread":0.2402692901102754,"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."}}