Benjamin J. Keys

Department of Real Estate
The Wharton School
University of Pennsylvania
432 Vance Hall
3733 Spruce Street
Philadelphia, PA 19104
Tel: 215-746-1253

E-Mail: EmailAddress: hidden: you can email any NBER-related person as first underscore last at nber dot org
NBER Program Affiliations: PE
NBER Affiliation: Faculty Research Fellow
Institutional Affiliation: University of Pennsylvania

NBER Working Papers and Publications

June 2020Global Capital and Local Assets: House Prices, Quantities, and Elasticities
with Caitlin S. Gorback: w27370
February 2020What Determines Consumer Financial Distress? Place- and Person-Based Factors
with Neale Mahoney, Hanbin Yang: w26808
July 2018Eyes Wide Shut? The Moral Hazard of Mortgage Insurers during the Housing Boom
with Neil Bhutta: w24844
October 2016Minimum Payments and Debt Paydown in Consumer Credit Cards
with Jialan Wang: w22742

Published: Benjamin J. Keys & Jialan Wang, 2018. "Minimum payments and debt paydown in consumer credit cards," Journal of Financial Economics, . citation courtesy of

March 2015Regional Redistribution Through the U.S. Mortgage Market
with Erik Hurst, Amit Seru, Joseph S. Vavra: w21007

Published: Erik Hurst & Benjamin J. Keys & Amit Seru & Joseph Vavra, 2016. "Regional Redistribution through the US Mortgage Market," American Economic Review, American Economic Association, vol. 106(10), pages 2982-3028, October. citation courtesy of

October 2014Mortgage Rates, Household Balance Sheets, and the Real Economy
with Tomasz Piskorski, Amit Seru, Vincent Yao: w20561
August 2014Failure to Refinance
with Devin G. Pope, Jaren C. Pope: w20401

Published: Keys, Benjamin J. & Pope, Devin G. & Pope, Jaren C., 2016. "Failure to refinance," Journal of Financial Economics, Elsevier, vol. 122(3), pages 482-499. citation courtesy of

August 2012Mortgage Financing in the Housing Boom and Bust
with Tomasz Piskorski, Amit Seru, Vikrant Vig
in Housing and the Financial Crisis, Edward L. Glaeser and Todd Sinai, editors

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