Benjamin J. Keys

The Wharton School - University of Pennsylvania, Real Estate Department

Philadelphia, PA 19104-6330

United States

  • The Wharton School - University of Pennsylvania, Real Estate Department

SCHOLARLY PAPERS

23

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15,289

SSRN CITATIONS
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Top 1,590

in Total Papers Citations

876

CROSSREF CITATIONS

102

Scholarly Papers (23)

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1.

Did Securitization Lead to Lax Screening? Evidence from Subprime Loans

EFA 2008 Athens Meetings Paper
Number of pages: 59 Posted: 03 Mar 2008 Last Revised: 11 Jan 2009
Benjamin J. Keys, Tanmoy K. Mukherjee, Amit Seru and Vikrant Vig
The Wharton School - University of Pennsylvania, Real Estate Department, Sorin Capital Management, LLC, Stanford University and London Business School
Downloads 9,694 (1,022)
Citation 214

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Securitization, screening, incentives, subprime, defaults, mortgages, disintermediation, subprime crisis, consumer credit

2.

Financial Regulation and Securitization: Evidence from Subprime Loans

Number of pages: 37 Posted: 19 Feb 2009
Benjamin J. Keys, Tanmoy K. Mukherjee, Amit Seru and Vikrant Vig
The Wharton School - University of Pennsylvania, Real Estate Department, Sorin Capital Management, LLC, Stanford University and London Business School
Downloads 1,335 (26,246)
Citation 38

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Securitization, screening, incentives, subprime, defaults, mortgages, disintermediation, subprime crisis, regulation

3.

Mortgage Rates, Household Balance Sheets, and the Real Economy

Downloads 933 (43,930)
Citation 8

Mortgage Rates, Household Balance Sheets, and the Real Economy

Columbia Business School Research Paper No. 14-53
Number of pages: 61 Posted: 06 Oct 2014 Last Revised: 07 Nov 2014
Benjamin J. Keys, Tomasz Piskorski, Amit Seru and Vincent Yao
The Wharton School - University of Pennsylvania, Real Estate Department, Columbia University - Columbia Business School, Finance, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 890 (46,195)

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Household Leverage, Crisis, Deleveraging, Monetary Policy, Mortgage Rates, Household Consumption, Adjustable-Rate Mortgages

Mortgage Rates, Household Balance Sheets, and the Real Economy

NBER Working Paper No. w20561
Number of pages: 62 Posted: 06 Oct 2014 Last Revised: 08 Mar 2023
Benjamin J. Keys, Tomasz Piskorski, Amit Seru and Vincent Yao
The Wharton School - University of Pennsylvania, Real Estate Department, Columbia University - Columbia Business School, Finance, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 43 (720,077)

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4.

Regional Redistribution Through the U.S. Mortgage Market

Downloads 855 (49,504)
Citation 90

Regional Redistribution Through the U.S. Mortgage Market

Kreisman Working Papers Series in Housing Law and Policy No. 25
Number of pages: 69 Posted: 28 Feb 2015 Last Revised: 01 Mar 2016
Erik Hurst, Benjamin J. Keys, Amit Seru and Joseph Vavra
University of Chicago - Booth School of Business, The Wharton School - University of Pennsylvania, Real Estate Department, Stanford University and University of Chicago - Booth School of Business
Downloads 786 (54,690)
Citation 3

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Risk-sharing, GSEs, mortgages, redistribution, financial crisis, pricing

Regional Redistribution Through the U.S. Mortgage Market

NBER Working Paper No. w21007
Number of pages: 70 Posted: 09 Mar 2015 Last Revised: 27 May 2023
Erik Hurst, Benjamin J. Keys, Amit Seru and Joseph Vavra
University of Chicago - Booth School of Business, The Wharton School - University of Pennsylvania, Real Estate Department, Stanford University and University of Chicago - Booth School of Business
Downloads 69 (573,056)
Citation 68

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5.

Interest Rates and Equity Extraction During the Housing Boom

Kreisman Working Papers Series in Housing Law and Policy No. 3
Number of pages: 55 Posted: 10 Jan 2014 Last Revised: 12 Apr 2017
Neil Bhutta and Benjamin J. Keys
Federal Reserve Bank of Philadelphia and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 539 (89,934)
Citation 84

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equity extraction, interest rates, monetary policy, credit constraints, mortgages, credit records, household finance

6.

Neglected No More: Housing Markets, Mortgage Lending, and Sea Level Rise

Downloads 246 (214,236)
Citation 7

Neglected No More: Housing Markets, Mortgage Lending, and Sea Level Rise

Jacobs Levy Equity Management Center for Quantitative Financial Research Paper
Number of pages: 67 Posted: 18 Aug 2021
Benjamin J. Keys and Philip Mulder
The Wharton School - University of Pennsylvania, Real Estate Department and University of Wisconsin - Madison
Downloads 160 (316,548)
Citation 7

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Neglected No More: Housing Markets, Mortgage Lending, and Sea Level Rise

NBER Working Paper No. w27930
Number of pages: 67 Posted: 14 Oct 2020 Last Revised: 26 Apr 2023
Benjamin J. Keys and Philip Mulder
The Wharton School - University of Pennsylvania, Real Estate Department and University of Wisconsin - Madison
Downloads 86 (502,758)

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7.

Moral Hazard During the Housing Boom: Evidence from Private Mortgage Insurance

Number of pages: 67 Posted: 26 Mar 2021
Neil Bhutta and Benjamin J. Keys
Federal Reserve Bank of Philadelphia and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 207 (252,344)
Citation 3

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mortgage insurance, Fannie Mae, Freddie Mac, moral hazard, housing boom, Great Recession, risk-shifting

8.

Human Capital and the Lifetime Costs of Impatience

Number of pages: 49 Posted: 10 Sep 2010 Last Revised: 19 Sep 2012
Brian C. Cadena and Benjamin J. Keys
University of Colorado at Boulder - Department of Economics and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 188 (275,293)
Citation 25

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impatience, human capital, educational attainment, time discounting

9.

What Determines Consumer Financial Distress? Place- and Person-Based Factors

Downloads 179 (287,360)
Citation 9

What Determines Consumer Financial Distress? Place- and Person-Based Factors

University of Chicago, Becker Friedman Institute for Economics Working Paper No. 2020-12
Number of pages: 58 Posted: 05 Mar 2020
Benjamin J. Keys, Neale Mahoney and Hanbin Yang
The Wharton School - University of Pennsylvania, Real Estate Department, University of Chicago Booth School of Business and Harvard University
Downloads 161 (314,865)
Citation 11

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What Determines Consumer Financial Distress? Place- and Person-Based Factors

NBER Working Paper No. w26808
Number of pages: 71 Posted: 02 Mar 2020 Last Revised: 02 Apr 2023
Benjamin J. Keys, Neale Mahoney and Hanbin Yang
The Wharton School - University of Pennsylvania, Real Estate Department, University of Chicago Booth School of Business and Harvard University
Downloads 18 (933,678)
Citation 1

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10.

Failure to Refinance

Downloads 176 (291,667)
Citation 77

Failure to Refinance

Kreisman Working Papers Series in Housing Law and Policy No. 32
Number of pages: 35 Posted: 21 Nov 2015
Benjamin J. Keys, Devin G. Pope and Jaren Pope
The Wharton School - University of Pennsylvania, Real Estate Department, University of Chicago - Booth School of Business and Brigham Young University
Downloads 121 (395,922)
Citation 29

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Failure to Refinance

NBER Working Paper No. w20401
Number of pages: 31 Posted: 25 Aug 2014 Last Revised: 31 Mar 2023
Benjamin J. Keys, Devin G. Pope and Jaren Pope
The Wharton School - University of Pennsylvania, Real Estate Department, University of Chicago - Booth School of Business and Brigham Young University
Downloads 55 (644,963)
Citation 1

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11.

Introduction to Evidence and Innovation in Housing Law and Policy

Evidence and Innovation in Housing Law and Policy, Cambridge University Press (2017); Cambridge Core Open Access (2017); ISBN: 978-1-107-16492-5 , University of Chicago Coase-Sandor Institute for Law & Economics Research Paper No. 825, U of Chicago, Public Law Working Paper No. 651, Kreisman Working Papers Series in Housing Law and Policy No. 47
Number of pages: 13 Posted: 29 Sep 2017 Last Revised: 13 Dec 2017
Lee Anne Fennell and Benjamin J. Keys
University of Chicago - Law School and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 169 (302,010)

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housing, zoning, transportation, inclusionary zoning, historic preservation, gentrification, neighborhoods, reverse redlining, discrimination, leasing, behavioral law and economics, retirement, mortgages, foreclosures, housing crisis, cyclicality, Dodd-Frank

12.

Investment Over the Business Cycle: Insights from College Major Choice

IZA Discussion Paper No. 9167
Number of pages: 57 Posted: 04 Sep 2015
Erica Blom, Brian C. Cadena and Benjamin J. Keys
Edgeworth Economics L.L.C., University of Colorado at Boulder - Department of Economics and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 168 (303,553)

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college major, business cycle, human capital investment, STEM majors, gender differences

13.

Unsecured Credit Supply over the Credit Cycle: Evidence from Credit Card Mailings

Finance and Economics Discussion Paper Series Paper No. 2011-29
Number of pages: 54 Posted: 25 May 2011 Last Revised: 27 Apr 2013
Song Han, Benjamin J. Keys and Geng Li
Board of Governors of the Federal Reserve System, The Wharton School - University of Pennsylvania, Real Estate Department and Board of Governors of the Federal Reserve System
Downloads 167 (305,129)
Citation 7

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personal bankruptcy, credit supply, credit card, mail solicitation, shrouding, CARD Act

14.

The Credit Market Consequences of Job Displacement

FEDS Working Paper No. 24
Number of pages: 64 Posted: 13 Mar 2011
Benjamin J. Keys
The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 82 (512,512)
Citation 22

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Job displacement, personal bankruptcy, household finance, event study

15.

Information, Contract Design, and Unsecured Credit Supply: Evidence from Credit Card Mailings

FEDS Working Paper No. 2015-103
Number of pages: 57 Posted: 18 Nov 2015 Last Revised: 30 Apr 2016
Song Han, Benjamin J. Keys and Geng Li
Board of Governors of the Federal Reserve System, The Wharton School - University of Pennsylvania, Real Estate Department and Board of Governors of the Federal Reserve System
Downloads 74 (544,020)
Citation 2

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Credit supply, information asymmetry, credit cards, mail solicitation, personal bankruptcy, CARD Act, household finances

16.

Refinancing, Monetary Policy, and the Credit Cycle

Downloads 58 (617,259)
Citation 8

Refinancing, Monetary Policy, and the Credit Cycle

Annual Review of Financial Economics, Vol. 12, pp. 67-93, 2020
Posted: 10 Dec 2020
Gene Amromin, Neil Bhutta and Benjamin J. Keys
Federal Reserve Bank of Chicago, Federal Reserve Bank of Philadelphia and The Wharton School - University of Pennsylvania, Real Estate Department

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Refinancing, Monetary Policy, and the Credit Cycle

NBER Working Paper No. w28039
Number of pages: 35 Posted: 02 Nov 2020 Last Revised: 11 Feb 2023
Gene Amromin, Neil Bhutta and Benjamin J. Keys
Federal Reserve Bank of Chicago, Federal Reserve Bank of Philadelphia and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 58 (628,294)
Citation 2

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17.

The Cost of Consumer Collateral: Evidence from Bunching

Downloads 45 (690,563)

The Cost of Consumer Collateral: Evidence from Bunching

Jacobs Levy Equity Management Center for Quantitative Financial Research Paper
Number of pages: 57 Posted: 15 Mar 2022
Benjamin Collier, Cameron Ellis and Benjamin J. Keys
Temple University - Risk Management & Insurance & Actuarial Science, University of Iowa and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 34 (787,415)

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Collateral, Asymmetric Information, Moral Hazard, Collateral Aversion, Consumer Finance, Housing

The Cost of Consumer Collateral: Evidence from Bunching

NBER Working Paper No. w29527
Number of pages: 57 Posted: 29 Nov 2021 Last Revised: 16 Apr 2023
Benjamin Collier, Cameron Ellis and Benjamin J. Keys
Temple University - Risk Management & Insurance & Actuarial Science, Temple University and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 11 (1,007,597)
Citation 1

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18.

Minimum Payments and Debt Paydown in Consumer Credit Cards

NBER Working Paper No. w22742
Number of pages: 62 Posted: 17 Oct 2016 Last Revised: 20 Feb 2023
Benjamin J. Keys and Jialan Wang
The Wharton School - University of Pennsylvania, Real Estate Department and University of Illinois at Urbana-Champaign - Department of Finance
Downloads 45 (690,563)
Citation 6

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19.

Implications of the Bush Commission Reforms for Married Couples

Center for Retirement Research Working Paper No. 2003-03
Number of pages: 33 Posted: 12 Jun 2003
Barry Bosworth, Benjamin J. Keys and Gary Burtless
Brookings Institution - Economic Studies Program, The Wharton School - University of Pennsylvania, Real Estate Department and Brookings Institution
Downloads 42 (709,715)
Citation 1

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20.

Eyes Wide Shut? The Moral Hazard of Mortgage Insurers During the Housing Boom

NBER Working Paper No. w24844
Number of pages: 69 Posted: 01 Aug 2018 Last Revised: 21 May 2023
Neil Bhutta and Benjamin J. Keys
Federal Reserve Bank of Philadelphia and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 39 (730,158)
Citation 1

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21.

Global Capital and Local Assets: House Prices, Quantities, and Elasticities

NBER Working Paper No. w27370
Number of pages: 76 Posted: 22 Jun 2020 Last Revised: 15 Apr 2023
Caitlin Gorback and Benjamin J. Keys
University of Pennsylvania and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 25 (838,650)
Citation 1

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22.

The Value of Student Debt Relief and the Role of Administrative Barriers: Evidence from the Teacher Loan Forgiveness Program

Downloads 23 (856,285)

The Value of Student Debt Relief and the Role of Administrative Barriers: Evidence from the Teacher Loan Forgiveness Program

University of Chicago, Becker Friedman Institute for Economics Working Paper No. 2023-85
Number of pages: 77 Posted: 21 Jun 2023
Brian A. Jacob, Damon Jones and Benjamin J. Keys
University of Michigan at Ann Arbor, University of Chicago - Harris School of Public Policy and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 18 (933,678)

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The Value of Student Debt Relief and the Role of Administrative Barriers: Evidence from the Teacher Loan Forgiveness Program

NBER Working Paper No. w31359
Number of pages: 76 Posted: 19 Jun 2023 Last Revised: 03 Jul 2023
Brian A. Jacob, Damon Jones and Benjamin J. Keys
University of Michigan at Ann Arbor, University of Chicago - Harris School of Public Policy and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 5 (1,063,315)
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23.

Credit Market Consequences of Credit Flag Removals

Posted: 26 Jun 2017
Will Dobbie, Benjamin J. Keys and Neale Mahoney
Princeton University, The Wharton School - University of Pennsylvania, Real Estate Department and University of Chicago Booth School of Business

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Credit flags, credit reports