John Orellana
John Orellana
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I am a Financial Economist at the Federal Reserve Bank of Philadelphia. I received my PhD in Economics from the Graduate Center, City University of New York.
My ongoing research spans topics of household finance, real estate, climate risk, neighborhood change, and political economy.
Publications
Distinguishing Causes of Neighborhood Change: A Nearest Neighbor Design, 2025
with Patrick Bayer, Marcus Casey, W Ben McCartney and Calvin Zhang, American Economic Review, 115 (11): 3999–4039.
Measuring Flood Underinsurance in the USA, 2025
with Natee Amornsiripanitch, Siddarth Biswas, and David Zink, Nature Climate Change, 15, 971–977 (2025).
Political Polarization Affects Households' Financial Decisions, Evidence from Home Sales, 2024
with W Ben McCartney and Calvin Zhang, Journal of Finance, 79(2):795-841 (lead article).
Working Papers
Homes for Homeowners, Not Corporations,
with Natee Amornsiripanitch, Francesco Mazzola, and Song Zhang
Who Leaves the Flood Plain? Homeowner Sorting on Information and Risk Transfer,
with Heyun Liore, revising
Presentations: Midwest Finance Association Annual Meeting (2024), Temple University, Fox School of Business (2024), Consumer Finance Institute, Academic Advisory Council Meeting (2024)
Partisan Optimism in Household Real Estate Investment,
with Heyun Liore, revising
Presentations: FRB Philadelphia RMR Research Brown Bag (2024)
Works in Progress
Drivers of Credit Card Utilization: Place- and Person-Based Factors
with Natee Amornsiripanitch and Keyoung Lee
Presentations: FRB Philadelphia RMR Research Brown Bag (2026)
Do Home Equity Gains Spur Innovator Risk-Taking?
with Xiaoyu (Ross) Zhu
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