14 May 2026 - 15 May 2026, Federal Reserve Bank of Philadelphia

Mortgages are the largest component of household debt, and the mortgage market influences many aspects of the economy, such as homeownership and wealth accumulation, real estate prices, the structure and risk of the financial sector, and the transmission of monetary policy and macroeconomic shocks.

The Mortgage Market Research Conference is a forum for the presentation and discussion of academic research on topics related to mortgages and the mortgage market, including both residential and commercial mortgages. The conference will also include a policy-oriented panel discussion that examines current issues and market trends, featuring policymakers, practitioners, and researchers. The 2026 conference builds on earlier successful editions of this conference held in 2022 and 2024.

Limited funding will be available for travel expenses and accommodations for presenting authors and discussants. This conference is jointly organized by the Philadelphia Fed’s Consumer Finance Institute, Research Department, and Supervision, Regulation, and Credit Department.

PAPER SUBMISSION PROCEDURE: Interested authors should submit a PDF version of their paper via our conference webpage https://cvent.me/kY0mYR
There is no submission fee. The deadline for submissions is Tuesday, January 20, 2026. Authors of accepted papers will be notified by early March.

CONFERENCE ORGANIZERS (all from the Federal Reserve Bank of Philadelphia)
Xudong “Sean” An
Neil Bhutta
Ronel Elul
Lauren Lambie-Hanson
Keyoung Lee
James Vickery

ACADEMIC PROGRAM COMMITTEE:
James Conklin, University of Georgia
Anthony DeFusco, University of Wisconsin–Madison
Andreas Fuster, École Polytechnique Fédérale de Lausanne
Daniel Greenwald, New York University

Arpit Gupta, New York University
Barney Hartman-Glaser, University of California, Los Angeles
You Suk Kim, Federal Reserve Board of Governors
Haoyang Liu, Federal Reserve Bank of Dallas
Lu Liu, University of Pennsylvania
Lara Loewenstein, Federal Reserve Bank of Cleveland
Christopher Palmer, Massachusetts Institute of Technology
Michael Reher, University of California, San Diego
Raluca Roman, Federal Reserve Bank of Philadelphia
Jacob Sagi, University of North Carolina at Chapel Hill
Parinitha Sastry, Columbia University
Nancy Wallace, University of California, Berkeley
David Zhang, Rice University

CONFERENCE LOCATION:
Federal Reserve Bank of Philadelphia
Ten Independence Mall
Philadelphia, PA 19106

FOR MORE INFORMATION: Please address any questions to hil.Mortgage.Conference@phil.frb.org