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Details about Kristopher Gerardi

Homepage:http://sites.google.com/site/kristophergerardishomepage/Home
Workplace:Economic Research Department, Federal Reserve Bank of Atlanta, (more information at EDIRC)

Access statistics for papers by Kristopher Gerardi.

Last updated 2023-02-24. Update your information in the RePEc Author Service.

Short-id: pge160


Jump to Journal Articles Chapters

Working Papers

2024

  1. Government Litigation Risk and the Decline in Low-Income Mortgage Lending
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads
  2. Mortgage Lock-in, Lifecycle Migration, and the Welfare Effects of Housing Market Liquidity
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads

2023

  1. A Critical Review of the Common Ownership Literature
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads
  2. Can Everyone Tap into the Housing Piggy Bank? Racial Disparities in Access to Home Equity
    Working Papers, Federal Reserve Bank of Philadelphia Downloads
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2022) Downloads

2022

  1. Lessons Learned from Mortgage Borrower Policies and Outcomes during the COVID-19 Pandemic
    Current Policy Perspectives, Federal Reserve Bank of Boston Downloads View citations (2)
    See also Journal Article Lessons Learned from Mortgage Borrower Policies and Outcomes during the COVID-19 Pandemic, Policy Hub, Federal Reserve Bank of Atlanta (2022) Downloads View citations (2) (2022)
  2. The Good, the Bad, and the Ordinary: Estimating Agent Value-Added Using Real Estate Transactions
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads

2021

  1. Racial Differences in Mortgage Refinancing, Distress, and Housing Wealth Accumulation during COVID-19
    Current Policy Perspectives, Federal Reserve Bank of Boston Downloads View citations (1)
    Also in Consumer Finance Institute discussion papers, Federal Reserve Bank of Philadelphia (2021) Downloads View citations (1)

    See also Journal Article Racial Differences in Mortgage Refinancing, Distress, and Housing Wealth Accumulation during COVID-19, Policy Hub, Federal Reserve Bank of Atlanta (2021) Downloads (2021)

2020

  1. Did Subprime Borrowers Drive the Housing Boom?
    Liberty Street Economics, Federal Reserve Bank of New York Downloads
  2. Evaluating the Benefits of a Streamlined Refinance Program
    Current Policy Perspectives, Federal Reserve Bank of Boston Downloads View citations (1)
    Also in Working Papers, Federal Reserve Bank of Cleveland (2020) Downloads

    See also Journal Article Evaluating the Benefits of a Streamlined Refinance Program, Policy Hub, Federal Reserve Bank of Atlanta (2020) Downloads (2020)
  3. Mortgage Prepayment, Race, and Monetary Policy
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (2)
    Also in Working Papers, Federal Reserve Bank of Boston (2020) Downloads View citations (2)
  4. Villains or Scapegoats? The Role of Subprime Borrowers in Driving the U.S. Housing Boom
    Working Papers, Federal Reserve Bank of Dallas Downloads View citations (2)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2018) Downloads View citations (1)

2019

  1. Common Ownership Does Not Have Anti-Competitive Effects in the Airline Industry
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (3)
  2. Foreclosure Externalities and Vacant Property Registration Ordinances
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads

2018

  1. Are Lemons Sold First? Dynamic Signaling in the Mortgage Market
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (1)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2016) Downloads View citations (3)

2017

  1. Fracking and Mortgage Default
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (7)

2015

  1. Can't Pay or Won't Pay? Unemployment, Negative Equity, and Strategic Default
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (23)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2013) Downloads View citations (62)
    Working Papers, Federal Reserve Bank of Boston (2015) Downloads View citations (16)
  2. The Failure of supervisory stress testing: Fannie Mae, Freddie Mac, and OFHEO
    Working Papers, Federal Reserve Bank of Boston Downloads View citations (15)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2015) Downloads View citations (7)

2014

  1. The Effect of Large Investors on Asset Quality: Evidence from Subprime Mortgage Securities
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (9)
    See also Journal Article The effect of large investors on asset quality: Evidence from subprime mortgage securities, Journal of Monetary Economics, Elsevier (2017) Downloads View citations (10) (2017)

2012

  1. Foreclosure externalities: Some new evidence
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (20)
    Also in NBER Working Papers, National Bureau of Economic Research, Inc (2012) Downloads View citations (31)
    Public Policy Discussion Paper, Federal Reserve Bank of Boston (2012) Downloads View citations (26)
  2. Why Did So Many People Make So Many Ex Post Bad Decisions? The Causes of the Foreclosure Crisis
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (153)
    Also in Public Policy Discussion Paper, Federal Reserve Bank of Boston (2012) Downloads View citations (70)
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2012) Downloads View citations (142)

2011

  1. Do Borrower Rights Improve Borrower Outcomes? Evidence from the Foreclosure Process
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (5)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2011) Downloads View citations (4)
    Public Policy Discussion Paper, Federal Reserve Bank of Boston (2011) Downloads View citations (3)

    See also Journal Article Do borrower rights improve borrower outcomes? Evidence from the foreclosure process, Journal of Urban Economics, Elsevier (2013) Downloads View citations (50) (2013)
  2. Price discrimination and business-cycle risk
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (3)

2010

  1. Consumer Heterogeneity and Markups over the Business Cycle: Evidence from the Airline Industry
    BEA Working Papers, Bureau of Economic Analysis Downloads
  2. Financial literacy and subprime mortgage delinquency: evidence from a survey matched to administrative data
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (54)
  3. Reasonable people did disagree: optimism and pessimism about the U.S. housing market before the crash
    Public Policy Discussion Paper, Federal Reserve Bank of Boston Downloads View citations (11)
  4. The effect of social entitlement programs on private transfers: new evidence of crowding out
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (16)
    See also Journal Article The Effect of Social Entitlement Programmes on Private Transfers: New Evidence of Crowding Out, Economica, London School of Economics and Political Science (2014) Downloads View citations (25) (2014)
  5. What explains differences in foreclosure rates? a response to Piskorski, Seru, and Vig
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (5)
    Also in Working Papers, Federal Reserve Bank of Boston (2010) Downloads View citations (5)

2009

  1. Decomposing the foreclosure crisis: House price depreciation versus bad underwriting
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (11)
  2. Making sense of the subprime crisis
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (11)
    Also in Public Policy Discussion Paper, Federal Reserve Bank of Boston (2009) Downloads View citations (39)

    See also Journal Article Making Sense of the Subprime Crisis, Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution (2008) Downloads View citations (158) (2008)
  3. Reducing Foreclosures: No Easy Answers
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (52)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2009) Downloads View citations (31)

    See also Chapter Reducing Foreclosures: No Easy Answers, NBER Chapters, National Bureau of Economic Research, Inc (2010) Downloads View citations (38) (2010)
  4. Reducing foreclosures
    Public Policy Discussion Paper, Federal Reserve Bank of Boston Downloads View citations (16)
  5. Subprime mortgages, foreclosures, and urban neighborhoods
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (31)
    Also in Public Policy Discussion Paper, Federal Reserve Bank of Boston (2008) Downloads View citations (4)

    See also Journal Article Subprime Mortgages, Foreclosures, and Urban Neighborhoods, The B.E. Journal of Economic Analysis & Policy, De Gruyter (2009) Downloads View citations (35) (2009)
  6. Why Don't Lenders Renegotiate More Home Mortgages? Redefaults, Self-Cures and Securitization
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (60)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2009) Downloads View citations (20)
    Public Policy Discussion Paper, Federal Reserve Bank of Boston (2009) Downloads View citations (38)

    See also Journal Article Why don't Lenders renegotiate more home mortgages? Redefaults, self-cures and securitization, Journal of Monetary Economics, Elsevier (2013) Downloads View citations (83) (2013)

2008

  1. Foreclosures, house-price changes, and subprime mortgages in Massachusetts cities and towns
    Interactive Maps and Charts, Federal Reserve Bank of Boston Downloads
  2. Negative equity and foreclosure: theory and evidence
    Public Policy Discussion Paper, Federal Reserve Bank of Boston Downloads View citations (281)
    See also Journal Article Negative equity and foreclosure: Theory and evidence, Journal of Urban Economics, Elsevier (2008) Downloads View citations (318) (2008)
  3. Subprime Outcomes: Risky Mortgages, Homeownership Experiences, and Foreclosures
    2008 Meeting Papers, Society for Economic Dynamics Downloads View citations (64)
    Also in Working Papers, Federal Reserve Bank of Boston (2007) Downloads View citations (121)
  4. Subprime facts: what (we think) we know about the subprime crisis and what we don’t
    Public Policy Discussion Paper, Federal Reserve Bank of Boston Downloads View citations (26)
  5. Summary of \"subprime outcomes: risky mortgages, homeownership experiences, and foreclosures\"
    Proceedings, Federal Reserve Bank of Chicago View citations (7)

2007

  1. A summary of: \"Do households benefit from financial deregulation and innovation? the case of mortgage market\"
    Proceedings, Federal Reserve Bank of Chicago View citations (2)
  2. Do Households Benefit from Financial Deregulation and Innovation? The Case of the Mortgage Market
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (21)
    Also in Public Policy Discussion Paper, Federal Reserve Bank of Boston (2006) Downloads View citations (11)
  3. The effects of competition on price dispersion in the airline industry: a panel analysis
    Working Papers, Federal Reserve Bank of Boston Downloads View citations (11)

Journal Articles

2022

  1. Lessons Learned from Mortgage Borrower Policies and Outcomes during the COVID-19 Pandemic
    Policy Hub, 2022, 2022, (9) Downloads View citations (2)
    See also Working Paper Lessons Learned from Mortgage Borrower Policies and Outcomes during the COVID-19 Pandemic, Current Policy Perspectives (2022) Downloads View citations (2) (2022)

2021

  1. Racial Differences in Mortgage Refinancing, Distress, and Housing Wealth Accumulation during COVID-19
    Policy Hub, 2021, 2021, (6), 40 Downloads
    See also Working Paper Racial Differences in Mortgage Refinancing, Distress, and Housing Wealth Accumulation during COVID-19, Current Policy Perspectives (2021) Downloads View citations (1) (2021)

2020

  1. Evaluating the Benefits of a Streamlined Refinance Program
    Policy Hub, 2020, 2020, (8), 22 Downloads
    See also Working Paper Evaluating the Benefits of a Streamlined Refinance Program, Current Policy Perspectives (2020) Downloads View citations (1) (2020)

2017

  1. The effect of large investors on asset quality: Evidence from subprime mortgage securities
    Journal of Monetary Economics, 2017, 87, (C), 34-51 Downloads View citations (10)
    See also Working Paper The Effect of Large Investors on Asset Quality: Evidence from Subprime Mortgage Securities, FRB Atlanta Working Paper (2014) Downloads View citations (9) (2014)

2015

  1. Foreclosure externalities: New evidence
    Journal of Urban Economics, 2015, 87, (C), 42-56 Downloads View citations (94)

2014

  1. Identifying the Effect of Securitization on Foreclosure and Modification Rates Using Early Payment Defaults
    The Journal of Real Estate Finance and Economics, 2014, 49, (3), 352-378 Downloads View citations (7)
  2. The Effect of Social Entitlement Programmes on Private Transfers: New Evidence of Crowding Out
    Economica, 2014, 81, (324), 721-746 Downloads View citations (25)
    See also Working Paper The effect of social entitlement programs on private transfers: new evidence of crowding out, FRB Atlanta Working Paper (2010) Downloads View citations (16) (2010)

2013

  1. Do borrower rights improve borrower outcomes? Evidence from the foreclosure process
    Journal of Urban Economics, 2013, 73, (1), 1-17 Downloads View citations (50)
    See also Working Paper Do Borrower Rights Improve Borrower Outcomes? Evidence from the Foreclosure Process, NBER Working Papers (2011) Downloads View citations (5) (2011)
  2. Why don't Lenders renegotiate more home mortgages? Redefaults, self-cures and securitization
    Journal of Monetary Economics, 2013, 60, (7), 835-853 Downloads View citations (83)
    See also Working Paper Why Don't Lenders Renegotiate More Home Mortgages? Redefaults, Self-Cures and Securitization, NBER Working Papers (2009) Downloads View citations (60) (2009)

2012

  1. Price Dispersion Over the Business Cycle: Evidence from the Airline Industry
    Journal of Industrial Economics, 2012, 60, (3), 347-373 Downloads View citations (22)

2010

  1. Mortgage foreclosure prevention efforts
    Economic Review, 2010, 95, (2) Downloads View citations (11)
  2. The Impact of Deregulation and Financial Innovation on Consumers: The Case of the Mortgage Market
    Journal of Finance, 2010, 65, (1), 333-360 Downloads View citations (67)

2009

  1. Does Competition Reduce Price Dispersion? New Evidence from the Airline Industry
    Journal of Political Economy, 2009, 117, (1), 1-37 Downloads View citations (225)
  2. Subprime Mortgages, Foreclosures, and Urban Neighborhoods
    The B.E. Journal of Economic Analysis & Policy, 2009, 9, (3), 37 Downloads View citations (35)
    See also Working Paper Subprime mortgages, foreclosures, and urban neighborhoods, FRB Atlanta Working Paper (2009) Downloads View citations (31) (2009)

2008

  1. Just the facts: An initial analysis of subprime's role in the housing crisis
    Journal of Housing Economics, 2008, 17, (4), 291-305 Downloads View citations (41)
  2. Making Sense of the Subprime Crisis
    Brookings Papers on Economic Activity, 2008, 39, (2 (Fall)), 69-159 Downloads View citations (158)
    See also Working Paper Making sense of the subprime crisis, FRB Atlanta Working Paper (2009) Downloads View citations (11) (2009)
  3. Negative equity and foreclosure: Theory and evidence
    Journal of Urban Economics, 2008, 64, (2), 234-245 Downloads View citations (318)
    See also Working Paper Negative equity and foreclosure: theory and evidence, Public Policy Discussion Paper (2008) Downloads View citations (281) (2008)

Chapters

2010

  1. Reducing Foreclosures: No Easy Answers
    A chapter in NBER Macroeconomics Annual 2009, Volume 24, 2010, pp 89-138 Downloads View citations (38)
    See also Working Paper Reducing Foreclosures: No Easy Answers, National Bureau of Economic Research, Inc (2009) Downloads View citations (52) (2009)
  2. foreclosure, economics of
    Palgrave Macmillan Downloads View citations (2)
 
Page updated 2025-03-31