{"paper":{"title":"A Heterogeneous Agent Model of Mortgage Servicing: An Income-based Relief Analysis","license":"http://arxiv.org/licenses/nonexclusive-distrib/1.0/","headline":"","cross_cats":["q-fin.GN"],"primary_cat":"cs.MA","authors_text":"Annapoorani Lakshmi Narayanan, Benjamin Patrick Evans, Deepeka Garg, Jared Vann, Leo Ardon, Makada Henry-Nickie, Sumitra Ganesh, Udari Madhushani","submitted_at":"2024-02-27T23:09:55Z","abstract_excerpt":"Mortgages account for the largest portion of household debt in the United States, totaling around \\$12 trillion nationwide. In times of financial hardship, alleviating mortgage burdens is essential for supporting affected households. The mortgage servicing industry plays a vital role in offering this assistance, yet there has been limited research modelling the complex relationship between households and servicers. To bridge this gap, we developed an agent-based model that explores household behavior and the effectiveness of relief measures during financial distress. Our model represents house"},"claims":{"count":0,"items":[],"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"source":{"id":"2402.17932","kind":"arxiv","version":2},"verdict":{"id":null,"model_set":{},"created_at":null,"strongest_claim":"","one_line_summary":"","pipeline_version":null,"weakest_assumption":"","pith_extraction_headline":""},"integrity":{"clean":true,"summary":{"advisory":0,"critical":0,"by_detector":{},"informational":0},"endpoint":"/pith/2402.17932/integrity.json","findings":[],"available":true,"detectors_run":[],"snapshot_sha256":"c28c3603d3b5d939e8dc4c7e95fa8dfce3d595e45f758748cecf8e644a296938"},"references":{"count":0,"sample":[],"resolved_work":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57","internal_anchors":0},"formal_canon":{"evidence_count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"author_claims":{"count":0,"strong_count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"builder_version":"pith-number-builder-2026-05-17-v1"}