Tom Mayock

UNC Charlotte

Assistant Professor

Charlotte, NC 28223

United States

Government of the United States of America - Office of the Comptroller of the Currency (OCC)

Senior Financial Economist

400 7th St Sw

Washington, DC 20219-0001

United States

SCHOLARLY PAPERS

15

DOWNLOADS
Rank 45,010

SSRN RANKINGS

Top 45,010

in Total Papers Downloads

1,262

SSRN CITATIONS
Rank 42,771

SSRN RANKINGS

Top 42,771

in Total Papers Citations

10

CROSSREF CITATIONS

7

Scholarly Papers (15)

1.

Loss Severities on Residential Real Estate Debt during the Great Recession

Number of pages: 57 Posted: 19 Jun 2013 Last Revised: 03 May 2014
Fredrik Andersson and Tom Mayock
Office of the Comptroller of the Currency (OCC) and UNC Charlotte
Downloads 176 (211,413)
Citation 2

Abstract:

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LGD, Loss Severity, Credit Risk, Basel II, Mortgages, Home Equity, Sample Selection

2.

Socioeconomic and Racial Disparities in the Financial Returns to Homeownership

Number of pages: 61 Posted: 18 Apr 2015 Last Revised: 18 Oct 2016
Tom Mayock and Rachel Spritzer
UNC Charlotte and Federal Reserve Banks - Federal Reserve Bank of Philadelphia
Downloads 152 (239,363)
Citation 2

Abstract:

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Homeownership, Housing Returns, Racial Inequality, Wealth

3.

Mortgage Characteristics and the Racial Incidence of Default

Number of pages: 51 Posted: 13 Mar 2017
Phillip Li and Tom Mayock
Federal Deposit Insurance Corporation and UNC Charlotte
Downloads 137 (260,176)
Citation 2

Abstract:

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Inequality, Mortgage Choice, Foreclosure, Mortgage Delinquency

Why Do Models that Predict Failure Fail?

Number of pages: 65 Posted: 24 Jun 2020
Hua Kiefer and Tom Mayock
FDIC and UNC Charlotte
Downloads 77 (386,425)

Abstract:

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Mortgages, Predictive Modeling, Machine Learning, Fintech, Lending, Lucas Critique

5.

Measurement Error in Residential Property Valuation: An Application of Forecast Combination

Number of pages: 41 Posted: 30 May 2015 Last Revised: 18 Sep 2016
Dennis Glennon, Hua Kiefer and Tom Mayock
Government of the United States of America - Office of the Comptroller of the Currency (OCC), FDIC and UNC Charlotte
Downloads 127 (275,492)
Citation 1

Abstract:

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Housing Valuation, Forecast Combination

6.

How Does Home Equity Affect Mobility?

Number of pages: 33 Posted: 03 Nov 2012 Last Revised: 17 Aug 2013
Fredrik Andersson and Tom Mayock
Office of the Comptroller of the Currency (OCC) and UNC Charlotte
Downloads 126 (277,195)
Citation 4

Abstract:

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Mobility, Negative Equity, Mortgage Default

7.

Affordable Housing and the Socioeconomic Integration of Elementary Schools

Number of pages: 29 Posted: 14 Sep 2016 Last Revised: 19 Sep 2017
Keith R. Ihlanfeldt and Tom Mayock
Florida State University - Department of Economics and UNC Charlotte
Downloads 89 (350,789)
Citation 1

Abstract:

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School Segregation, Housing Affordability, Academic Achievement of Poor Children

8.

Adverse Selection in the Market for Mortgage Servicing Rights

Number of pages: 63 Posted: 27 Nov 2017 Last Revised: 05 Apr 2019
Tom Mayock and Lan Shi
UNC Charlotte and Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 72 (397,049)
Citation 1

Abstract:

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Mortgages, Adverse Selection, Mortgage Servicing Rights, Asymmetric Information

9.

New Construction and Mortgage Default

Number of pages: 58 Posted: 28 Sep 2017 Last Revised: 24 Apr 2021
Tom Mayock and Konstantinos Tzioumis
UNC Charlotte and ALBA Graduate Business School
Downloads 70 (403,188)

Abstract:

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Mortgage Default, New Houses, Collateral Value

10.

Foreclosures and Local Government Budgets

Number of pages: 37 Posted: 22 Jul 2014 Last Revised: 16 Sep 2014
Keith R. Ihlanfeldt and Tom Mayock
Florida State University - Department of Economics and UNC Charlotte
Downloads 54 (458,439)
Citation 1

Abstract:

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Local Government Budgets, Foreclosures

11.
Downloads 52 (466,174)
Citation 1

Wages, Housing Prices, and Commutes

Number of pages: 27 Posted: 19 Sep 2013 Last Revised: 29 Aug 2014
Tom Mayock
UNC Charlotte
Downloads 52 (473,964)

Abstract:

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Compensating Differentials, Housing Costs, Commute Times

Wages, Housing Prices and Commutes

Real Estate Economics, Vol. 44, Issue 1, pp. 258-300, 2016
Number of pages: 43 Posted: 20 Jan 2016
Tom Mayock
UNC Charlotte
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Abstract:

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Wages, Housing Prices, and Commutes

Real Estate Economics, Forthcoming
Posted: 20 Mar 2015
Tom Mayock
UNC Charlotte

Abstract:

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Housing Costs, Commute Times, Compensating Differentials

Should We Fear the Shadow? House Prices, Shadow Inventory, and the Nascent Housing Recovery

Number of pages: 39 Posted: 30 Jul 2014
Hua Kiefer, Leonard C. Kiefer and Tom Mayock
FDIC, Federal Home Loan Mortgage Corporation (FHLMC) and UNC Charlotte
Downloads 50 (482,407)

Abstract:

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Foreclosures, Housing Prices, Spatial Econometrics

13.

The Microdynamics of Household Credit Use through a Boom-Bust Cycle

Number of pages: 35 Posted: 14 May 2014 Last Revised: 10 Oct 2014
Fredrik Andersson and Tom Mayock
Office of the Comptroller of the Currency (OCC) and UNC Charlotte
Downloads 41 (513,512)

Abstract:

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Gross Credit Flows, Deleveraging, Finanical Crisis, Consumer Credit

14.

School Segregation and the Foreclosure Crisis

Number of pages: 34 Posted: 28 May 2017
Keith R. Ihlanfeldt and Tom Mayock
Florida State University - Department of Economics and UNC Charlotte
Downloads 39 (523,070)
Citation 1

Abstract:

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School Segregation, Housing, Foreclosure

15.

The Impact of Reo Sales on Neighborhoods and Their Residents

Journal of Real Estate Finance and Economics, Vol. 53, No. 3, 2016
Posted: 18 Sep 2016
Keith R. Ihlanfeldt and Tom Mayock
Florida State University - Department of Economics and UNC Charlotte

Abstract:

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Foreclosures; Spillovers; Negative externalities; Homeowneship