David Zhang

Rice University - Jesse H. Jones Graduate School of Business

6100 South Main Street

P.O. Box 1892

Houston, TX 77005-1892

United States

  • Rice University - Jesse H. Jones Graduate School of Business

SCHOLARLY PAPERS

10

DOWNLOADS
Rank 42,331

SSRN RANKINGS

Top 42,331

in Total Papers Downloads

2,577

TOTAL CITATIONS
Rank 16,958

SSRN RANKINGS

Top 16,958

in Total Papers Citations

11

Scholarly Papers (10)

Actions:
Email selected abstracts
1.

Algorithmic Underwriting in High Risk Mortgage Markets

Number of pages: 89 Posted: 10 Nov 2023 Last Revised: 03 Sep 2024
Janet Gao, Hanyi (Livia) Yi and David Zhang
McDonough School of Business, Boston College - Carroll School of Management and Rice University - Jesse H. Jones Graduate School of Business
Downloads 601 (98,074)

Abstract:

Loading...

Algorithmic Underwriting, FinTech, Household Leverage, Racial Inequality in Mortgage Markets, Mobility, Financial Inclusion.

2.

Minimum Wage as a Focal Point

Number of pages: 26 Posted: 09 Oct 2014 Last Revised: 12 Jul 2018
Oz Shy and David Zhang
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Rice University - Jesse H. Jones Graduate School of Business
Downloads 443 (142,700)

Abstract:

Loading...

Low minimum wage, wage collusion, wage competition, imperfectly-competitive labor markets, focal point, antitrust law

3.

Mortgage Prepayment, Race, and Monetary Policy

Downloads 305 (216,089)
Citation 4

Mortgage Prepayment, Race, and Monetary Policy

Number of pages: 81 Posted: 09 Feb 2021
Kristopher Gerardi, Paul Willen and David Zhang
Federal Reserve Bank of Atlanta, Federal Reserve Bank of Boston - Research Department and Rice University - Jesse H. Jones Graduate School of Business
Downloads 221 (297,679)
Citation 4

Abstract:

Loading...

Mortgage Prepayment, Race, and Monetary Policy

FRB Atlanta Working Paper No. 2020-22
Number of pages: 81 Posted: 20 Apr 2021
Kristopher Gerardi, Paul Willen and David Zhang
Federal Reserve Bank of Atlanta, Federal Reserve Bank of Boston - Research Department and Rice University - Jesse H. Jones Graduate School of Business
Downloads 84 (655,814)

Abstract:

Loading...

mortgage, refinance, race, monetary policy, interest rate

4.

Small Mortgages and the Rise of FinTech and Shadow Banks

Number of pages: 62 Posted: 26 Jan 2024 Last Revised: 06 Feb 2024
Yongqiang Chu, David Zhang and Tim Zhang
Belk College of Business, UNC Charlotte, Rice University - Jesse H. Jones Graduate School of Business and University of Texas at San Antonio - Alvarez College of Business
Downloads 300 (219,938)

Abstract:

Loading...

Small Mortgages, FinTech, Shadow Banks, Portfolio Lending, Community Reinvestment Act (CRA)

5.

Mortgage Lock-in, Lifecycle Migration, and the Welfare Effects of Housing Market Liquidity

Downloads 293 (226,320)
Citation 1

Mortgage Lock-in, Lifecycle Migration, and the Welfare Effects of Housing Market Liquidity

Number of pages: 73 Posted: 20 Sep 2024 Last Revised: 04 Jan 2025
Kristopher Gerardi, Franklin Qian and David Zhang
Federal Reserve Bank of Atlanta, UNC Kenan-Flagler Business School - Finance Area and Rice University - Jesse H. Jones Graduate School of Business
Downloads 239 (276,725)

Abstract:

Loading...

Mortgage Lock-In, Moving to Opportunity, Housing Market Liquidity, Idiosyncratic Dispersion in House Prices, FRMs

Mortgage Lock-In, Lifecycle Migration, and the Welfare Effects of Housing Market Liquidity

FRB Atlanta Working Paper No. 2024-15
Number of pages: 61 Posted: 02 Dec 2024
Kristopher Gerardi, Franklin Qian and David Zhang
Federal Reserve Bank of Atlanta, UNC Kenan-Flagler Business School - Finance Area and Rice University - Jesse H. Jones Graduate School of Business
Downloads 54 (838,612)
Citation 1

Abstract:

Loading...

mortgage lock-in, moving to opportunity, housing market liquidity, idiosyncratic dispersion in house prices, FRMs

6.

Alumni Relationships and Judicial Bias

Number of pages: 28 Posted: 08 Dec 2020 Last Revised: 10 Sep 2024
Tianwang Liu and David Zhang
Harvard University - Department of Economics and Rice University - Jesse H. Jones Graduate School of Business
Downloads 200 (330,355)
Citation 1

Abstract:

Loading...

lawyers, law school, judges, judge bias, returns to schooling

7.

How Do People Pay Rent?

Research Data Reports Paper No. 16-2
Number of pages: 20 Posted: 08 Sep 2016
David Zhang
Rice University - Jesse H. Jones Graduate School of Business
Downloads 178 (365,853)
Citation 2

Abstract:

Loading...

payment instrument choice, rent, rental payment

8.

History-Based versus Uniform Pricing in Growing and Declining Markets

Number of pages: 36 Posted: 24 Oct 2015 Last Revised: 06 Apr 2018
Oz Shy, Rune Stenbacka and David Zhang
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Hanken School of Economics and Rice University - Jesse H. Jones Graduate School of Business
Downloads 112 (533,974)

Abstract:

Loading...

Growing market, declining market, history-based pricing, uniform pricing, consumer lock-in

9.

Do Lenders Still Discriminate? A Robust Approach for Assessing Differences in Menus

Downloads 88 (629,483)
Citation 3

Do Lenders Still Discriminate? A Robust Approach for Assessing Differences in Menus

Number of pages: 59 Posted: 12 Feb 2021
David Zhang and Paul Willen
Rice University - Jesse H. Jones Graduate School of Business and Federal Reserve Bank of Boston - Research Department
Downloads 62 (780,616)

Abstract:

Loading...

Mortgage Discrimination, Fair Lending, Red-lining, Points, Interest Rate, Optimal Transport, Directional Differentiation, Menu Problem

Do Lenders Still Discriminate? A Robust Approach for Assessing Differences in Menus

NBER Working Paper No. w29142
Number of pages: 61 Posted: 16 Aug 2021 Last Revised: 16 Feb 2023
David Zhang and Paul Willen
Rice University - Jesse H. Jones Graduate School of Business and Federal Reserve Bank of Boston - Research Department
Downloads 26 (1,122,574)
Citation 3

Abstract:

Loading...

10.

The Home Purchase Effects of GSE Redistribution: Evidence from Difference-in-Discontinuity Estimates

Number of pages: 55 Posted: 06 May 2025
You Suk Kim, Feng Liu and David Zhang
Board of Governors of the Federal Reserve System, Consumer Financial Protection Bureau and Rice University - Jesse H. Jones Graduate School of Business
Downloads 57 (800,009)

Abstract:

Loading...

Government Sponsored Enterprises (GSEs), Securitization, Redistribution, US Mortgage Market, Difference-in-Discontinuity JEL classification: G18