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

31

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9,544

SSRN CITATIONS
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SSRN RANKINGS

Top 5,055

in Total Papers Citations

232

CROSSREF CITATIONS

90

Scholarly Papers (31)

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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 2,372 (10,317)
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: 69 Posted: 04 Aug 2020 Last Revised: 04 Jul 2023
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 University of Wisconsin - Madison - Univeristy of Wisconsin-Madison
Downloads 1,011 (37,711)
Citation 2

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Capital Gains Taxation, Local Employment, Opportunity Zones.

3.

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 662 (66,969)
Citation 20

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Complexity, Security Design, MBS Performance

4.

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 599 (75,992)
Citation 1

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Private Equity, Defined Contribution Plans

5.

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 498 (95,498)
Citation 8

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

6.

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 400 (123,673)
Citation 9

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

7.

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 363 (137,972)
Citation 2

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Mortgage Laws, Evolution of Mortgage Legal Frameworks

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 356 (141,002)
Citation 3

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

9.

The Work-from-Home Technology Boon and Its Consequences

Number of pages: 88 Posted: 20 Jan 2021 Last Revised: 17 Sep 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 338 (149,090)
Citation 3

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Technology Adoption, Coronavirus,Telecommuting

10.

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 309 (163,953)
Citation 2

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

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 308 (164,514)
Citation 19

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12.

Did Affordable Housing Legislation Contribute to the Subprime Securities Boom?

Downloads 224 (226,393)
Citation 2

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 147 (328,236)
Citation 4

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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 77 (518,592)
Citation 2

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Mortgages, Loan Performance, Community Reinvestment Act, GSEs

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 194 (258,332)
Citation 5

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Monetary Policy Expectations, Macroeconomic Surprises, Taylor Rule.

14.

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

Downloads 184 (270,993)
Citation 16

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 167 (294,704)

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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 17 (908,148)
Citation 17

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15.

Asset Insulators

Downloads 167 (294,634)
Citation 6

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 138 (345,283)
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 29 (797,814)
Citation 1

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16.

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 159 (307,033)
Citation 12

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Fair Housing Act; Subprime Mortgages; Loan Performance; Discrimination

17.

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 157 (310,357)

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

18.

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 146 (329,483)

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Renters, Housing Supply, Poverty

19.

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 138 (344,518)
Citation 5

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

20.

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 133 (354,495)
Citation 2

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

21.

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 132 (356,496)

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

22.

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 116 (392,248)
Citation 2

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Hyperbolic Discounting, Subprime, Mortgage Choice, Household Finance

23.

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 112 (402,437)
Citation 4

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Sticky Housing, Residential Investment, Limited Participation

24.

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 107 (415,817)
Citation 1

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Mortgage Choice; Broker; Contracts; Reverse Mortgages

25.

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 94 (454,156)
Citation 5

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26.

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 91 (463,660)

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

27.

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 90 (466,802)

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Household Finance, Intergenerational Mobility, Credit Constraints, Income Inequality

28.

The Imitation Game: How Encouraging Renegotiation Makes Good Borrowers Bad

Number of pages: 60 Posted: 28 Jul 2022 Last Revised: 03 Aug 2023
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 55 (609,813)

Abstract:

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

29.

The Best Cities for Firms

Number of pages: 34 Posted: 06 Sep 2023
Andra C. Ghent and Eva Steiner
University of Utah - David Eccles School of Business and Penn State Smeal College of Business
Downloads 29 (774,777)

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Local employment, Agglomeration economies

30.

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

Abstract:

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31.

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

Abstract:

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Hyperbolic Discounting, Subprime, Mortgage Choice, Household Finance