Stephanie Moulton

Ohio State University- John Glenn College of Public Affairs

Associate Professor

110 Page Hall

1810 College Road

Columbus, OH 43210

United States

SCHOLARLY PAPERS

18

DOWNLOADS
Rank 33,364

SSRN RANKINGS

Top 33,364

in Total Papers Downloads

3,154

TOTAL CITATIONS
Rank 24,103

SSRN RANKINGS

Top 24,103

in Total Papers Citations

63

Scholarly Papers (18)

1.

An Analysis of Default Risk in the Home Equity Conversion Mortgage (HECM) Program

Number of pages: 47 Posted: 20 Jul 2014 Last Revised: 31 Aug 2015
Stephanie Moulton, Donald R. Haurin and Wei Shi
Ohio State University- John Glenn College of Public Affairs, Ohio State University (OSU) - Economics and Ohio State University (OSU) - Economics
Downloads 702 (76,698)
Citation 13

Abstract:

Loading...

Reverse Mortgages, Mortgage Default, Senior Housing, Property Taxes

2.

Aging in Place: Analyzing the Use of Reverse Mortgages to Preserve Independent Living Summary Report of Survey Results

Number of pages: 90 Posted: 19 Mar 2016 Last Revised: 06 May 2016
Ohio State University- John Glenn College of Public Affairs, The Ohio State University - Department of Human Sciences, Ohio State University (OSU) - Economics, Follette School of Public Affairs, Washington University in St. Louis, John Glenn College of Public Affairs and Ohio State University (OSU) - Economics
Downloads 604 (92,858)
Citation 4

Abstract:

Loading...

reverse mortgage, home equity, retirement

3.

Does Temporary Mortgage Assistance for Unemployed Homeowners Reduce Longer Term Mortgage Default? An Analysis of the Hardest Hit Fund Program

Number of pages: 53 Posted: 20 Apr 2020 Last Revised: 03 Feb 2021
Ohio State University- John Glenn College of Public Affairs, Washington University in St. Louis, Ohio State University - John Glenn College of Public Affairs, affiliation not provided to SSRN, University of North Carolina (UNC) at Chapel Hill - Department of City and Regional Planning and University of North Carolina (UNC) at Chapel Hill
Downloads 359 (172,344)
Citation 3

Abstract:

Loading...

Foreclosure, Loan Modification, Unemployment

Seniors’ Home Equity Extraction: Credit Constraints and Borrowing Channels

Number of pages: 35 Posted: 04 Feb 2016 Last Revised: 25 Jun 2019
Ohio State University- John Glenn College of Public Affairs, Cornell University, College of Human Ecology, Students, Ohio State University (OSU) - Economics and Amazon Lending
Downloads 213 (292,795)
Citation 1

Abstract:

Loading...

equity extraction, mortgages, home equity, household finance, reverse mortgages

How House Price Dynamics and Credit Constraints Affect the Equity Extraction of Senior Homeowners

FEDS Working Paper No. 2015-070, http://dx.doi.org/10.17016/FEDS.2015.070
Number of pages: 39 Posted: 21 Sep 2015
Ohio State University- John Glenn College of Public Affairs, Cornell University, College of Human Ecology, Students, Ohio State University (OSU) - Economics and Amazon Lending
Downloads 69 (690,008)
Citation 1

Abstract:

Loading...

Home Equity Extraction, Mortgages and credit, Reverse Mortgages

5.

Reminders to Pay Property Tax Payments: A Field Experiment of Older Adults with Reverse Mortgages

Number of pages: 27 Posted: 06 Sep 2019
Ohio State University- John Glenn College of Public Affairs, Follette School of Public Affairs, The Ohio State University - Department of Human Sciences, Ohio State University (OSU) - Economics and University of Maryland - Department of Economics
Downloads 169 (362,919)
Citation 2

Abstract:

Loading...

property taxes, seniors, reverse mortgages, reminders

6.

International Perspectives on Homeownership and Home Equity Extraction by Senior Households

Number of pages: 47 Posted: 14 Jun 2017
Donald R. Haurin and Stephanie Moulton
Ohio State University (OSU) - Economics and Ohio State University- John Glenn College of Public Affairs
Downloads 169 (362,919)
Citation 6

Abstract:

Loading...

Reverse Mortgage, Home Equity Extraction, Seniors, Wealth

Spatial Variation in Reverse Mortgages Usage: House Price Dynamics and Consumer Selection

Number of pages: 30 Posted: 25 Jun 2014
Ohio State University (OSU) - Economics, Ohio State University (OSU) - Economics, Ohio State University- John Glenn College of Public Affairs, Amazon Lending, The Investment Company Institute and Ohio State University (OSU) - Economics
Downloads 158 (384,478)
Citation 18

Abstract:

Loading...

Reverse Mortgages, Mortgage Choice, Senior Housing

Spatial Variation in Reverse Mortgages Usage: House Price Dynamics and Consumer Selection

Journal of Real Estate Finance and Economics, Vol. 53, No. 3, 2016
Posted: 19 Sep 2016
Ohio State University (OSU) - Economics, Ohio State University (OSU) - Economics, Ohio State University- John Glenn College of Public Affairs, Amazon Lending, The Investment Company Institute and Ohio State University (OSU) - Economics

Abstract:

Loading...

Reverse mortgages, Mortgage choice, Senior housing

8.

How Home Equity Extraction and Reverse Mortgages Affect the Credit Outcomes of Senior Households

Michigan Retirement Research Center Research Paper No. 2016-351
Number of pages: 63 Posted: 17 Dec 2016
Ohio State University- John Glenn College of Public Affairs, Ohio State University (OSU) - Economics, Cornell University, College of Human Ecology, Students and Amazon Lending
Downloads 122 (472,652)
Citation 4

Abstract:

Loading...

retirement security, home equity extraction, credit outcomes

9.

Credit Counseling and Long-Term Credit Outcomes: Evidence from the National Foundation for Credit Counseling’s Sharpen Your Financial Focus Program

Number of pages: 55 Posted: 21 Sep 2022
Adrienne DiTommaso and Stephanie Moulton
The Ohio State University and Ohio State University- John Glenn College of Public Affairs
Downloads 121 (475,668)

Abstract:

Loading...

debt, credit card, credit counseling, bankruptcy

10.

The Accuracy of Senior Households' Estimates of Home Values: Application to the Reverse Mortgage Decision

Number of pages: 33 Posted: 14 Apr 2017 Last Revised: 18 Apr 2018
Donald R. Haurin, Stephanie Moulton and Wei Shi
Ohio State University (OSU) - Economics, Ohio State University- John Glenn College of Public Affairs and Ohio State University (OSU) - Economics
Downloads 91 (580,848)
Citation 1

Abstract:

Loading...

Self-Assessed House Value, Senior Homeowners, Assessment Errors, Debt Management, Reverse Mortgages, Nominal Loss Denial

11.

Unlocking Housing Wealth for Older Americans: Strategies to Improve Reverse Mortgages

The Brookings Institute Economic Studies Program, available online at https://www.brookings.edu/research/unlocking-housing-wealth-for-older-americans-strategies-to-improve-reverse-mortgages/
Number of pages: 34 Posted: 17 Mar 2021
Stephanie Moulton and Donald R. Haurin
Ohio State University- John Glenn College of Public Affairs and Ohio State University (OSU) - Economics
Downloads 84 (609,558)

Abstract:

Loading...

home equity, reverse mortgage, older adults

12.

The Relationship between Reverse Mortgage Borrowing, Domain and Life Satisfaction

Journals of Gerontology Series B: Psychological Sciences and Social Sciences, doi: 10.1093/geronb/gby096
Number of pages: 29 Posted: 18 Oct 2018
Cäzilia Loibl, Donald R. Haurin, Julia Brown and Stephanie Moulton
The Ohio State University - Department of Human Sciences, Ohio State University (OSU) - Economics, University of Maryland - Department of Economics and Ohio State University- John Glenn College of Public Affairs
Downloads 84 (609,558)
Citation 2

Abstract:

Loading...

General and domain satisfaction, Home equity withdrawal, Mortgage debt, Reverse mortgage, Housing wealth

13.

Beyond the Transaction: Depository Institutions and Reduced Mortgage Default for Low-Income Homebuyers

FRB of Cleveland Working Paper No. 11-15
Number of pages: 44 Posted: 02 Aug 2011 Last Revised: 09 Jan 2012
O. Emre Ergungor and Stephanie Moulton
Bank of America Merrill Lynch and Ohio State University- John Glenn College of Public Affairs
Downloads 76 (644,655)
Citation 5

Abstract:

Loading...

Relationship lending, Mortgage Revenue Bond program, mortgage performance, soft information

14.

Pragmatic Field Experiments in Policy Research: The Case of a Pilot Program for Municipal Water Customers

Number of pages: 52 Posted: 26 Jun 2018
Stephanie Moulton, J. Michael Collins and Olga Kondratjeva
Ohio State University- John Glenn College of Public Affairs, Follette School of Public Affairs and John Glenn College of Public Affairs
Downloads 55 (757,373)
Citation 1

Abstract:

Loading...

Randomized Control Trial, Field Experiment, Financial Capability

15.

Debt Stress and Debt Illusion: The Role of Consumer Credit, Reverse and Standard Mortgages

Number of pages: 35 Posted: 28 Oct 2020
Donald R. Haurin, Stephanie Moulton, Cäzilia Loibl and Julia Brown
Ohio State University (OSU) - Economics, Ohio State University- John Glenn College of Public Affairs, The Ohio State University - Department of Human Sciences and University of Maryland - Department of Economics
Downloads 50 (790,166)
Citation 1

Abstract:

Loading...

Stress; Reverse Mortgage; Consumer Debt; Debt Illusion

16.

Labor Outcomes of Mortgage Payment Subsidies for Unemployed Homeowners

Number of pages: 54 Posted: 13 Mar 2024
Stephanie Casey Pierce, Julia Brown, Stephanie Moulton and Yung Chun
University of Tennessee, affiliation not provided to SSRN, Ohio State University- John Glenn College of Public Affairs and Washington University in St. Louis
Downloads 28 (977,084)
Citation 1

Abstract:

Loading...

Mortgage, Housing Subsidies, Unemployment, Foreclosure, Forbearance, Labor Market Behavior

17.

The Market for Reverse Mortgages among Older Americans

Wharton Pension Research Council Working Paper No. 2020-22, Published in Mitchell, O. (Ed.) (2022). New Models for Managing Longevity Risk: Public-Private Partnerships. Oxford, UK: Oxford University Press.
Posted: 17 Sep 2020 Last Revised: 25 Feb 2022
Christopher Mayer and Stephanie Moulton
Columbia University - Columbia Business School and Ohio State University- John Glenn College of Public Affairs

Abstract:

Loading...

Reverse mortgage, home equity, borrowers, older adults, retirement

18.

Samaritans, Patriots, and Communitarians: An Investigation of Public Service Among Private Sector Mortgage Lenders

Posted: 19 Mar 2009
Stephanie Moulton and Mary K. Feeney
Ohio State University- John Glenn College of Public Affairs and Arizona State University (ASU) - School of Public Affairs

Abstract:

Loading...

Public service motivation, lenders, morgage, public service