Details about Kristopher Gerardi
Access statistics for papers by Kristopher Gerardi.
Last updated 2023-02-24. Update your information in the RePEc Author Service.
Short-id: pge160
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Working Papers
2024
- Government Litigation Risk and the Decline in Low-Income Mortgage Lending
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta
- Mortgage Lock-in, Lifecycle Migration, and the Welfare Effects of Housing Market Liquidity
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta
2023
- A Critical Review of the Common Ownership Literature
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta
- Can Everyone Tap into the Housing Piggy Bank? Racial Disparities in Access to Home Equity
Working Papers, Federal Reserve Bank of Philadelphia 
Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2022)
2022
- Lessons Learned from Mortgage Borrower Policies and Outcomes during the COVID-19 Pandemic
Current Policy Perspectives, Federal Reserve Bank of Boston 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) View citations (2) (2022)
- The Good, the Bad, and the Ordinary: Estimating Agent Value-Added Using Real Estate Transactions
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta
2021
- Racial Differences in Mortgage Refinancing, Distress, and Housing Wealth Accumulation during COVID-19
Current Policy Perspectives, Federal Reserve Bank of Boston View citations (1)
Also in Consumer Finance Institute discussion papers, Federal Reserve Bank of Philadelphia (2021) 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) (2021)
2020
- Did Subprime Borrowers Drive the Housing Boom?
Liberty Street Economics, Federal Reserve Bank of New York
- Evaluating the Benefits of a Streamlined Refinance Program
Current Policy Perspectives, Federal Reserve Bank of Boston View citations (1)
Also in Working Papers, Federal Reserve Bank of Cleveland (2020) 
See also Journal Article Evaluating the Benefits of a Streamlined Refinance Program, Policy Hub, Federal Reserve Bank of Atlanta (2020) (2020)
- Mortgage Prepayment, Race, and Monetary Policy
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta View citations (2)
Also in Working Papers, Federal Reserve Bank of Boston (2020) View citations (2)
- Villains or Scapegoats? The Role of Subprime Borrowers in Driving the U.S. Housing Boom
Working Papers, Federal Reserve Bank of Dallas View citations (2)
Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2018) View citations (1)
2019
- Common Ownership Does Not Have Anti-Competitive Effects in the Airline Industry
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta View citations (3)
- Foreclosure Externalities and Vacant Property Registration Ordinances
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta
2018
- Are Lemons Sold First? Dynamic Signaling in the Mortgage Market
NBER Working Papers, National Bureau of Economic Research, Inc View citations (1)
Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2016) View citations (3)
2017
- Fracking and Mortgage Default
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta View citations (7)
2015
- Can't Pay or Won't Pay? Unemployment, Negative Equity, and Strategic Default
NBER Working Papers, National Bureau of Economic Research, Inc View citations (23)
Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2013) View citations (62) Working Papers, Federal Reserve Bank of Boston (2015) View citations (16)
- The Failure of supervisory stress testing: Fannie Mae, Freddie Mac, and OFHEO
Working Papers, Federal Reserve Bank of Boston View citations (15)
Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2015) View citations (7)
2014
- The Effect of Large Investors on Asset Quality: Evidence from Subprime Mortgage Securities
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta 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) View citations (10) (2017)
2012
- Foreclosure externalities: Some new evidence
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta View citations (20)
Also in NBER Working Papers, National Bureau of Economic Research, Inc (2012) View citations (31) Public Policy Discussion Paper, Federal Reserve Bank of Boston (2012) View citations (26)
- 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 View citations (153)
Also in Public Policy Discussion Paper, Federal Reserve Bank of Boston (2012) View citations (70) FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2012) View citations (142)
2011
- Do Borrower Rights Improve Borrower Outcomes? Evidence from the Foreclosure Process
NBER Working Papers, National Bureau of Economic Research, Inc View citations (5)
Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2011) View citations (4) Public Policy Discussion Paper, Federal Reserve Bank of Boston (2011) View citations (3)
See also Journal Article Do borrower rights improve borrower outcomes? Evidence from the foreclosure process, Journal of Urban Economics, Elsevier (2013) View citations (50) (2013)
- Price discrimination and business-cycle risk
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta View citations (3)
2010
- Consumer Heterogeneity and Markups over the Business Cycle: Evidence from the Airline Industry
BEA Working Papers, Bureau of Economic Analysis
- Financial literacy and subprime mortgage delinquency: evidence from a survey matched to administrative data
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta View citations (54)
- 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 View citations (11)
- The effect of social entitlement programs on private transfers: new evidence of crowding out
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta 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) View citations (25) (2014)
- What explains differences in foreclosure rates? a response to Piskorski, Seru, and Vig
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta View citations (5)
Also in Working Papers, Federal Reserve Bank of Boston (2010) View citations (5)
2009
- Decomposing the foreclosure crisis: House price depreciation versus bad underwriting
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta View citations (11)
- Making sense of the subprime crisis
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta View citations (11)
Also in Public Policy Discussion Paper, Federal Reserve Bank of Boston (2009) 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) View citations (158) (2008)
- Reducing Foreclosures: No Easy Answers
NBER Working Papers, National Bureau of Economic Research, Inc View citations (52)
Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2009) View citations (31)
See also Chapter Reducing Foreclosures: No Easy Answers, NBER Chapters, National Bureau of Economic Research, Inc (2010) View citations (38) (2010)
- Reducing foreclosures
Public Policy Discussion Paper, Federal Reserve Bank of Boston View citations (16)
- Subprime mortgages, foreclosures, and urban neighborhoods
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta View citations (31)
Also in Public Policy Discussion Paper, Federal Reserve Bank of Boston (2008) View citations (4)
See also Journal Article Subprime Mortgages, Foreclosures, and Urban Neighborhoods, The B.E. Journal of Economic Analysis & Policy, De Gruyter (2009) View citations (35) (2009)
- Why Don't Lenders Renegotiate More Home Mortgages? Redefaults, Self-Cures and Securitization
NBER Working Papers, National Bureau of Economic Research, Inc View citations (60)
Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2009) View citations (20) Public Policy Discussion Paper, Federal Reserve Bank of Boston (2009) 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) View citations (83) (2013)
2008
- Foreclosures, house-price changes, and subprime mortgages in Massachusetts cities and towns
Interactive Maps and Charts, Federal Reserve Bank of Boston
- Negative equity and foreclosure: theory and evidence
Public Policy Discussion Paper, Federal Reserve Bank of Boston View citations (281)
See also Journal Article Negative equity and foreclosure: Theory and evidence, Journal of Urban Economics, Elsevier (2008) View citations (318) (2008)
- Subprime Outcomes: Risky Mortgages, Homeownership Experiences, and Foreclosures
2008 Meeting Papers, Society for Economic Dynamics View citations (64)
Also in Working Papers, Federal Reserve Bank of Boston (2007) View citations (121)
- 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 View citations (26)
- Summary of \"subprime outcomes: risky mortgages, homeownership experiences, and foreclosures\"
Proceedings, Federal Reserve Bank of Chicago View citations (7)
2007
- 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)
- Do Households Benefit from Financial Deregulation and Innovation? The Case of the Mortgage Market
NBER Working Papers, National Bureau of Economic Research, Inc View citations (21)
Also in Public Policy Discussion Paper, Federal Reserve Bank of Boston (2006) View citations (11)
- The effects of competition on price dispersion in the airline industry: a panel analysis
Working Papers, Federal Reserve Bank of Boston View citations (11)
Journal Articles
2022
- Lessons Learned from Mortgage Borrower Policies and Outcomes during the COVID-19 Pandemic
Policy Hub, 2022, 2022, (9) View citations (2)
See also Working Paper Lessons Learned from Mortgage Borrower Policies and Outcomes during the COVID-19 Pandemic, Current Policy Perspectives (2022) View citations (2) (2022)
2021
- Racial Differences in Mortgage Refinancing, Distress, and Housing Wealth Accumulation during COVID-19
Policy Hub, 2021, 2021, (6), 40 
See also Working Paper Racial Differences in Mortgage Refinancing, Distress, and Housing Wealth Accumulation during COVID-19, Current Policy Perspectives (2021) View citations (1) (2021)
2020
- Evaluating the Benefits of a Streamlined Refinance Program
Policy Hub, 2020, 2020, (8), 22 
See also Working Paper Evaluating the Benefits of a Streamlined Refinance Program, Current Policy Perspectives (2020) View citations (1) (2020)
2017
- The effect of large investors on asset quality: Evidence from subprime mortgage securities
Journal of Monetary Economics, 2017, 87, (C), 34-51 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) View citations (9) (2014)
2015
- Foreclosure externalities: New evidence
Journal of Urban Economics, 2015, 87, (C), 42-56 View citations (94)
2014
- 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 View citations (7)
- The Effect of Social Entitlement Programmes on Private Transfers: New Evidence of Crowding Out
Economica, 2014, 81, (324), 721-746 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) View citations (16) (2010)
2013
- Do borrower rights improve borrower outcomes? Evidence from the foreclosure process
Journal of Urban Economics, 2013, 73, (1), 1-17 View citations (50)
See also Working Paper Do Borrower Rights Improve Borrower Outcomes? Evidence from the Foreclosure Process, NBER Working Papers (2011) View citations (5) (2011)
- Why don't Lenders renegotiate more home mortgages? Redefaults, self-cures and securitization
Journal of Monetary Economics, 2013, 60, (7), 835-853 View citations (83)
See also Working Paper Why Don't Lenders Renegotiate More Home Mortgages? Redefaults, Self-Cures and Securitization, NBER Working Papers (2009) View citations (60) (2009)
2012
- Price Dispersion Over the Business Cycle: Evidence from the Airline Industry
Journal of Industrial Economics, 2012, 60, (3), 347-373 View citations (22)
2010
- Mortgage foreclosure prevention efforts
Economic Review, 2010, 95, (2) View citations (11)
- The Impact of Deregulation and Financial Innovation on Consumers: The Case of the Mortgage Market
Journal of Finance, 2010, 65, (1), 333-360 View citations (67)
2009
- Does Competition Reduce Price Dispersion? New Evidence from the Airline Industry
Journal of Political Economy, 2009, 117, (1), 1-37 View citations (225)
- Subprime Mortgages, Foreclosures, and Urban Neighborhoods
The B.E. Journal of Economic Analysis & Policy, 2009, 9, (3), 37 View citations (35)
See also Working Paper Subprime mortgages, foreclosures, and urban neighborhoods, FRB Atlanta Working Paper (2009) View citations (31) (2009)
2008
- Just the facts: An initial analysis of subprime's role in the housing crisis
Journal of Housing Economics, 2008, 17, (4), 291-305 View citations (41)
- Making Sense of the Subprime Crisis
Brookings Papers on Economic Activity, 2008, 39, (2 (Fall)), 69-159 View citations (158)
See also Working Paper Making sense of the subprime crisis, FRB Atlanta Working Paper (2009) View citations (11) (2009)
- Negative equity and foreclosure: Theory and evidence
Journal of Urban Economics, 2008, 64, (2), 234-245 View citations (318)
See also Working Paper Negative equity and foreclosure: theory and evidence, Public Policy Discussion Paper (2008) View citations (281) (2008)
Chapters
2010
- Reducing Foreclosures: No Easy Answers
A chapter in NBER Macroeconomics Annual 2009, Volume 24, 2010, pp 89-138 View citations (38)
See also Working Paper Reducing Foreclosures: No Easy Answers, National Bureau of Economic Research, Inc (2009) View citations (52) (2009)
- foreclosure, economics of
Palgrave Macmillan View citations (2)
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