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 submission portal. 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, University of Pennsylvania
  • Nancy Wallace, University of California, Berkeley
  • David Zhang, Rice University

For More Information

Please address any questions to Phil.Mortgage.Conference@phil.frb.org.