Benjamin J. Keys

The Wharton School - University of Pennsylvania, Real Estate Department

Philadelphia, PA 19104-6330

United States

SCHOLARLY PAPERS

22

DOWNLOADS
Rank 3,797

SSRN RANKINGS

Top 3,797

in Total Papers Downloads

14,365

SSRN CITATIONS
Rank 2,513

SSRN RANKINGS

Top 2,513

in Total Papers Citations

420

CROSSREF CITATIONS

99

Scholarly Papers (22)

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 9,544 (795)
Citation 214

Abstract:

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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 1,298 (21,710)
Citation 20

Abstract:

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

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 849 (39,373)
Citation 1

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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: 07 Mar 2022
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 23 (690,678)

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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 729 (48,323)
Citation 1

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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 2022
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 38 (589,352)
Citation 23

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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
Board of Governors of the Federal Reserve System and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 500 (79,148)
Citation 84

Abstract:

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

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 Pennsylvania - Wharton Risk Management and Decision Processes Center
Downloads 125 (308,600)

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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: 25 Apr 2022
Benjamin J. Keys and Philip Mulder
The Wharton School - University of Pennsylvania, Real Estate Department and University of Pennsylvania - Wharton Risk Management and Decision Processes Center
Downloads 41 (572,990)
Citation 2

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7.

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 160 (253,308)
Citation 25

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impatience, human capital, educational attainment, time discounting

8.

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 147 (271,405)

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

9.

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 140 (281,915)
Citation 7

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

10.

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 136 (288,392)

Abstract:

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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

11.
Downloads 134 (291,633)
Citation 32

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 92 (381,033)
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 2022
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 42 (567,592)
Citation 1

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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 107 (344,942)

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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 2022
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 6 (848,389)

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13.

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
Board of Governors of the Federal Reserve System and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 112 (332,158)

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

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 70 (442,254)
Citation 14

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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 56 (493,534)
Citation 2

Abstract:

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

16.
Downloads 41 (561,139)
Citation 5

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, Board of Governors of the Federal Reserve System 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 2022
Gene Amromin, Neil Bhutta and Benjamin J. Keys
Federal Reserve Bank of Chicago, Board of Governors of the Federal Reserve System and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 41 (572,990)
Citation 2

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17.

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 31 (616,113)
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: 18 Apr 2021
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 29 (628,710)
Citation 6

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19.

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 2022
Neil Bhutta and Benjamin J. Keys
Board of Governors of the Federal Reserve System and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 19 (700,434)
Citation 1

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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, Temple University and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 11 (797,365)

Abstract:

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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: 04 Dec 2021
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 6 (848,389)
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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 2022
Caitlin Gorback and Benjamin J. Keys
University of Pennsylvania and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 13 (750,435)
Citation 1

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22.

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