Andra C. Ghent

University of Utah - David Eccles School of Business

1645 E Campus Center Dr

Salt Lake City, UT 84112-9303

United States

  • University of Utah - David Eccles School of Business

SCHOLARLY PAPERS

34

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12,894

TOTAL CITATIONS
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Top 4,461

in Total Papers Citations

217

Scholarly Papers (34)

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1.

Recourse and Residential Mortgage Default: Evidence from U.S. States

Review of Financial Studies, Federal Reserve Bank of Richmond Working Paper No. 09-10R
Number of pages: 63 Posted: 11 Jul 2009 Last Revised: 24 Nov 2011
Andra C. Ghent and Marianna Kudlyak
University of Utah - David Eccles School of Business and Federal Reserve Bank of San Francisco
Downloads 2,458 (12,719)
Citation 61

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Deficiency Judgment, Foreclosure, Negative Equity, Residential Mortgage Default, Recourse

2.

The Effect of Capital Gains Taxes on Business Creation and Employment: The Case of Opportunity Zones

Number of pages: 70 Posted: 04 Aug 2020 Last Revised: 30 Jan 2024
Alina Arefeva, Morris A. Davis, Andra C. Ghent and Minseon Park
UW Madison - Wisconsin School Business, Rutgers Business School, University of Utah - David Eccles School of Business and Yale School of Management
Downloads 1,622 (24,584)
Citation 2

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Capital Gains Taxation, Local Employment, Opportunity Zones.

3.

Should Defined Contribution Plans Include Private Equity Investments?

Kenan Institute of Private Enterprise Research Paper No. 20-14
Number of pages: 28 Posted: 25 Jan 2021 Last Revised: 22 Jun 2022
Gregory W. Brown, Keith Crouch, Andra C. Ghent, Robert S. Harris, Yael V. Hochberg, Tim Jenkinson, Steven N. Kaplan, Richard Maxwell and David T. Robinson
University of North Carolina (UNC) at Chapel Hill - Finance Area, Burgiss, University of Utah - David Eccles School of Business, University of Virginia - Darden School of Business, National Bureau of Economic Research (NBER), University of Oxford - Said Business School, University of Chicago - Booth School of Business, University of North Carolina (UNC) at Chapel Hill - Frank Hawkins Kenan Institute of Private Enterprise and Fuqua School of Business, Duke University
Downloads 839 (63,583)
Citation 1

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Private Equity, Defined Contribution Plans

4.

Complexity in Structured Finance

Number of pages: 68 Posted: 15 Sep 2013 Last Revised: 05 Nov 2017
Andra C. Ghent, Walter N. Torous and Rossen I. Valkanov
University of Utah - David Eccles School of Business, Massachusetts Institute of Technology and University of California, San Diego (UCSD) - Rady School of Management
Downloads 740 (75,100)
Citation 20

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Complexity, Security Design, MBS Performance

5.

Determinants and Consequences of Return to Office Policies

Number of pages: 57 Posted: 11 Apr 2024 Last Revised: 03 May 2025
Sean Flynn, Andra C. Ghent and Vasudha Nair
Cornell SC Johnson College of Business, University of Utah - David Eccles School of Business and University of Utah - David Eccles School of Business
Downloads 694 (81,511)
Citation 2

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Remote work, Work-from-home, WFH. Return to office (RTO)

6.

The Work-from-Home Technology Boon and Its Consequences

Number of pages: 89 Posted: 20 Jan 2021 Last Revised: 01 Nov 2023
Morris A. Davis, Andra C. Ghent and Jesse Gregory
Rutgers Business School, University of Utah - David Eccles School of Business and University of Wisconsin-Madison
Downloads 542 (111,677)
Citation 11

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Technology Adoption, Coronavirus,Telecommuting

7.

How Do Case Law and Statute Differ? Lessons from the Evolution of Mortgage Law

Number of pages: 47 Posted: 25 Oct 2012 Last Revised: 09 Sep 2014
Andra C. Ghent
University of Utah - David Eccles School of Business
Downloads 536 (113,238)
Citation 8

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Foreclosure Law; Financial History; Common Law; Statute; Civil Law; Creditor Rights

8.

Commercial Real Estate as an Asset Class

Annual Review of Financial Economics, Forthcoming
Number of pages: 37 Posted: 11 Oct 2019
Andra C. Ghent, Walter Torous and Rossen I. Valkanov
University of Utah - David Eccles School of Business, affiliation not provided to SSRN and University of California, San Diego (UCSD) - Rady School of Management
Downloads 503 (122,346)
Citation 3

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Commercial Real Estate, Corporate Real Estate, Property Returns, REITs, Portfolio Diversification

9.

The Historical Origins of America's Mortgage Laws

Research Institute for Housing America Research Paper No. 12-02
Number of pages: 50 Posted: 05 Nov 2012
Andra C. Ghent
University of Utah - David Eccles School of Business
Downloads 454 (138,527)
Citation 6

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Mortgage Laws, Evolution of Mortgage Legal Frameworks

10.

Comparing Securitized and Balance Sheet Loans: Size Matters

Number of pages: 57 Posted: 27 Sep 2012 Last Revised: 22 Jul 2014
Andra C. Ghent and Rossen I. Valkanov
University of Utah - David Eccles School of Business and University of California, San Diego (UCSD) - Rady School of Management
Downloads 435 (145,550)
Citation 9

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Securitization, Commercial Mortgage-Backed Securities (CMBS), Structured finance

11.

Competition and Credit Ratings After the Fall

Number of pages: 68 Posted: 11 Nov 2014 Last Revised: 20 Jul 2016
Sean Flynn and Andra C. Ghent
Cornell SC Johnson College of Business and University of Utah - David Eccles School of Business
Downloads 342 (190,654)
Citation 24

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12.

Are Young Borrowers Bad Borrowers? Evidence from the Credit CARD Act of 2009

FRB Richmond Working Paper No. 13-09R
Number of pages: 71 Posted: 07 Aug 2013 Last Revised: 22 Sep 2014
Peter Debbaut, Andra C. Ghent and Marianna Kudlyak
Federal Reserve Bank of Richmond, University of Utah - David Eccles School of Business and Federal Reserve Bank of San Francisco
Downloads 336 (194,356)
Citation 2

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Consumer Protection, Household Finance, Life Cycle Borrowing, Credit Card Default

13.

Why Do Markets React Badly to Good News? Evidence from Fed Funds Futures

Number of pages: 24 Posted: 01 Jul 2008 Last Revised: 15 Aug 2010
Andra C. Ghent
University of Utah - David Eccles School of Business
Downloads 278 (237,901)
Citation 5

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Monetary Policy Expectations, Macroeconomic Surprises, Taylor Rule.

14.

Did Affordable Housing Legislation Contribute to the Subprime Securities Boom?

Downloads 260 (254,625)
Citation 3

Did Affordable Housing Legislation Contribute to the Subprime Securities Boom?

AFA 2013 San Diego Meetings Paper
Number of pages: 42 Posted: 15 Mar 2012 Last Revised: 20 Dec 2013
Andra C. Ghent, Ruben Hernandez-Murillo and Michael Owyang
University of Utah - David Eccles School of Business, KeyBank and Federal Reserve Bank of St. Louis - Research Division
Downloads 167 (386,247)
Citation 1

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mortgages, financial crisis, community reinvestment act, GSEs

Did Affordable Housing Legislation Contribute to the Subprime Securities Boom?

Federal Reserve Bank of St. Louis Working Paper No. 2012-005B
Number of pages: 53 Posted: 12 Apr 2012 Last Revised: 20 Dec 2013
Ruben Hernandez-Murillo, Andra C. Ghent and Michael Owyang
KeyBank, University of Utah - David Eccles School of Business and Federal Reserve Bank of St. Louis - Research Division
Downloads 93 (613,778)
Citation 2

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Mortgages, Loan Performance, Community Reinvestment Act, GSEs

15.

What's Wrong with Pittsburgh? Delegated Investors and Liquidity Concentration

Downloads 236 (280,388)
Citation 22

What's Wrong with Pittsburgh? Delegated Investors and Liquidity Concentration

9th Miami Behavioral Finance Conference 2018
Number of pages: 53 Posted: 15 Mar 2019 Last Revised: 13 Jan 2020
Andra C. Ghent
University of Utah - David Eccles School of Business
Downloads 200 (327,272)

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Delegated Asset Managers; Liquidity; Alternative Asset Classes

What's Wrong with Pittsburgh? Delegated Investors and Liquidity Concentration

NBER Working Paper No. w25966
Number of pages: 47 Posted: 17 Jun 2019 Last Revised: 14 Jun 2023
Andra C. Ghent
University of Utah - David Eccles School of Business
Downloads 36 (1,003,325)
Citation 22

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16.

Asset Insulators

Downloads 221 (298,885)
Citation 5

Asset Insulators

2nd Annual Financial Institutions, Regulation and Corporate Governance Conference
Number of pages: 57 Posted: 19 Jul 2016 Last Revised: 02 Oct 2016
Gabriel Chodorow-Reich, Andra C. Ghent and Valentin Haddad
Harvard University Department of Economics, University of Utah - David Eccles School of Business and University of California, Los Angeles (UCLA) - Anderson School of Management
Downloads 160 (401,203)
Citation 4

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Asset Insulators

NBER Working Paper No. w24973
Number of pages: 70 Posted: 17 Sep 2018 Last Revised: 27 Mar 2023
Gabriel Chodorow-Reich, Andra C. Ghent and Valentin Haddad
Harvard University Department of Economics, University of Utah - David Eccles School of Business and University of California, Los Angeles (UCLA) - Anderson School of Management
Downloads 61 (786,142)
Citation 1

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17.

Is America’s Housing Affordability Problem a Housing Problem?

Number of pages: 33 Posted: 22 Mar 2021 Last Revised: 26 Aug 2021
Andra C. Ghent and David Leather
University of Utah - David Eccles School of Business and The George L. Argyros School of Business and Economics
Downloads 206 (319,586)

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Renters, Housing Supply, Poverty

18.

Does Main Street Benefit from What Benefits Wall Street?

Kenan Institute of Private Enterprise Research Paper No. 20-11, Conditionally Accepted, Journal of Financial and Quantitative Analysis
Number of pages: 88 Posted: 15 Dec 2020 Last Revised: 15 Nov 2022
Sean Flynn and Andra C. Ghent
Cornell SC Johnson College of Business and University of Utah - David Eccles School of Business
Downloads 196 (334,696)

Abstract:

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Local Labor Market, Real Economy, Stock Returns and the Macroeconomy.

19.

Infrequent Housing Adjustment, Limited Participation, and Monetary Policy

Journal of Money, Credit, and Banking, Forthcoming
Number of pages: 32 Posted: 02 Oct 2008 Last Revised: 07 May 2015
Andra C. Ghent
University of Utah - David Eccles School of Business
Downloads 186 (351,280)
Citation 4

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Sticky Housing, Residential Investment, Limited Participation

20.

Differences in Subprime Loan Pricing Across Races and Neighborhoods

Federal Reserve Bank of St. Louis Working Paper No. 2011-033C
Number of pages: 55 Posted: 12 Apr 2012 Last Revised: 08 Aug 2014
Andra C. Ghent, Ruben Hernandez-Murillo and Michael Owyang
University of Utah - David Eccles School of Business, KeyBank and Federal Reserve Bank of St. Louis - Research Division
Downloads 182 (358,207)
Citation 12

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Fair Housing Act; Subprime Mortgages; Loan Performance; Discrimination

21.

Informational Efficiency in Securitization After Dodd-Frank

Sixth Annual Conference on Financial Market Regulation (2018)
Number of pages: 57 Posted: 05 Nov 2018 Last Revised: 23 May 2019
Sean Flynn, Andra C. Ghent and Alexei Tchistyi
Cornell SC Johnson College of Business, University of Utah - David Eccles School of Business and Cornell SC Johnson College of Business
Downloads 166 (388,668)
Citation 2

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Dodd-Frank Act, Asymmetric Information, Signaling Equilibrium, ABS.

22.

Is Housing the Business Cycle? Evidence from U.S. Cities

Journal of Urban Economics, Vol. 67, No. 3, 2010, Federal Reserve Bank of St. Louis Working Paper No.2009-007B
Number of pages: 38 Posted: 10 Mar 2009 Last Revised: 24 Nov 2011
Andra C. Ghent and Michael Owyang
University of Utah - David Eccles School of Business and Federal Reserve Bank of St. Louis - Research Division
Downloads 165 (390,749)
Citation 5

Abstract:

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local housing markets, residential investment, economic fluctuations, housing prices

23.

Winners and Losers from the Work-from-Home Technology Boon

Downloads 155 (412,170)
Citation 1

Winners and Losers from the Work-from-Home Technology Boon

Number of pages: 46 Posted: 18 Apr 2024 Last Revised: 12 Dec 2024
Andra C. Ghent, Morris Davis and Jesse Gregory
University of Utah - David Eccles School of Business, Rutgers, The State University of New Jersey - Rutgers University, Newark and University of Wisconsin-Madison
Downloads 149 (426,296)
Citation 1

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JEL codes: G12, O33, O41, R12, R33

Winners and Losers from the Work-from-Home Technology Boon

NBER Working Paper No. w33284
Number of pages: 47 Posted: 26 Dec 2024
Morris Davis, Andra C. Ghent and Jesse Gregory
Rutgers, The State University of New Jersey - Rutgers University, Newark, University of Utah - David Eccles School of Business and University of Wisconsin-Madison
Downloads 6 (1,365,478)
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24.

Comparing DSGE-VAR Forecasting Models: How Big are the Differences?

Journal of Economic Dynamics and Control, Vol. 33, No. 4, 2009
Number of pages: 43 Posted: 10 Apr 2008 Last Revised: 24 Nov 2011
Andra C. Ghent
University of Utah - David Eccles School of Business
Downloads 146 (432,893)

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Economic Fluctuations, Priors from DSGE Models, Hours Debate, Business Cycles, Model Evaluation

25.

The Best Cities for Firms

Number of pages: 42 Posted: 06 Sep 2023 Last Revised: 02 May 2024
Andra C. Ghent and Eva Steiner
University of Utah - David Eccles School of Business and Pennsylvania State University - Smeal College of Business
Downloads 137 (455,712)

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Local employment, Agglomeration economies. Firm location choice.

26.

The Imitation Game: How Encouraging Renegotiation Makes Good Borrowers Bad

Number of pages: 99 Posted: 28 Jul 2022 Last Revised: 10 Jun 2024
Sean Flynn, Andra C. Ghent and Alexei Tchistyi
Cornell SC Johnson College of Business, University of Utah - David Eccles School of Business and Cornell SC Johnson College of Business
Downloads 135 (461,182)

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principal forgiveness, CMBS, asymmetric information, loan renegotiation, IRS Revenue Procedure 2009-45

27.

Home Ownership, Household Leverage, and Hyperbolic Discounting

Number of pages: 48 Posted: 04 Mar 2011 Last Revised: 20 Jan 2013
Andra C. Ghent
University of Utah - David Eccles School of Business
Downloads 133 (466,929)
Citation 2

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Hyperbolic Discounting, Subprime, Mortgage Choice, Household Finance

28.

How Do Households Make Mortgage Choices?

Real Estate Economics, Virtual Issue, 2016
Number of pages: 9 Posted: 11 Nov 2016 Last Revised: 07 Dec 2016
Andra C. Ghent and Vincent Yao
University of Utah - David Eccles School of Business and Georgia State University - J. Mack Robinson College of Business
Downloads 132 (469,739)
Citation 1

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Mortgage Choice; Broker; Contracts; Reverse Mortgages

29.

Intergenerational Linkages in Household Credit

FRB Richmond Working Paper No. 15-14
Number of pages: 44 Posted: 30 Nov 2015
Andra C. Ghent and Marianna Kudlyak
University of Utah - David Eccles School of Business and Federal Reserve Bank of San Francisco
Downloads 126 (487,342)
Citation 1

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Household Finance, Intergenerational Mobility, Credit Constraints, Income Inequality

30.

Second Mortgages: Valuation and Implications for the Performance of Structured Financial Products

Number of pages: 41 Posted: 28 Aug 2016
Andra C. Ghent, Kristian R. Miltersen and Walter N. Torous
University of Utah - David Eccles School of Business, Copenhagen Business School and Massachusetts Institute of Technology
Downloads 116 (519,323)

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Mortgage-Backed Securities (MBS), Mortgage Valuation, Credit Ratings.

31.

Securitization and Mortgage Renegotiation: Evidence from the Great Depression

Review of Financial Studies
Number of pages: 37 Posted: 04 Feb 2011 Last Revised: 24 Nov 2011
Andra C. Ghent
University of Utah - David Eccles School of Business
Downloads 111 (536,855)
Citation 5

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32.

The Impact of COVID Restrictions on Business Dynamics

Number of pages: 59 Posted: 22 May 2024
Andra C. Ghent, Paige Rowberry and Matthew I. Spiegel
University of Utah - David Eccles School of Business, University of Utah - David Eccles School of Business and Yale University - Yale School of Management, International Center for Finance
Downloads 106 (555,542)

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Local employment. Agglomeration economies

33.

Commercial Real Estate as an Asset Class

Annual Review of Financial Economics, Vol. 11, pp. 153-171, 2019
Posted: 12 Jan 2020
Andra C. Ghent, Rossen I. Valkanov and Walter N. Torous
University of Utah - David Eccles School of Business, University of California, San Diego (UCSD) - Rady School of Management and Massachusetts Institute of Technology

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34.

Home Ownership, Household Leverage, and Hyperbolic Discounting

Real Estate Economics, Forthcoming
Posted: 28 Mar 2014
Andra C. Ghent
University of Utah - David Eccles School of Business

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Hyperbolic Discounting, Subprime, Mortgage Choice, Household Finance