Jim Conklin is an associate professor of real estate at the University of Georgia Terry College of Business. Dr. Conklin has a PhD in business administration with a concentration in real estate and a minor in finance from Penn State University. Before earning his PhD, Dr. Conklin worked in the mortgage industry, holding various management positions. His research and teaching interests include real estate markets, mortgage markets and institutions, and real estate finance. His current research focuses on mortgage broker, lender, and borrower behavior in the mortgage market.

PhD, Finance, Real Estate, Pennsylvania State University, 2014

BSBA, Finance & M.I.S., University of Delaware, 2002

Coast to Coast Mortgage, Inc., Vice President, 2005 to 2008

Coast to Coast Mortgage, Inc., Manager, 2004 to 2005

Coast to Coast Mortgage, Inc., Loan Officer, 2002 to 2003

• Real Estate Economics & Finance
• Mortgages
• Financial Intermediation

• Ambrose, Brent W., James N. Conklin, and Luis A. Lopez. Does Borrower and Broker Race Affect the Cost of Mortgage Credit? Review of Financial Studies, Forthcoming.
• Conklin, James, N. Edward Coulson, Moussa Diop, and Thao Le. Competition and Appraisal Inflation.  The Journal of Real Estate Finance and Economics, Forthcoming.
• Conklin, James, Moussa Diop, Thao Le, and Walter D'Lima. The Importance of Originator-Servicer Affilation in Loan Renegotiation. The Journal of Real Estate Finance and Economics, Forthcoming. 
• Conklin, James, Moussa Diop and Herman Li. Contact High: The External Effects of Retail Marijuana Establishments on House Prices. Real Estate Economics, Forthcoming. 
• Conklin, James N., Moussa Diop and Mingming Qiu. How Do Firms Finance Non-Core Investments? Evidence from REITs. Real Estate Economics, Forthcoming. 
• Ambrose, Brent W., James Conklin and Jiro Yoshida. 2016. Credit Rationing, Income Exaggeration, and Adverse Selection in the Mortgage Market. Journal Of Finance, 71(6):2637-3686. 
• Conklin, James. 2017. Financial Literacy, Broker-Borrower Interaction, and Mortgage Default. Real Estate Economics, 45(2):376-414. 
• Ambrose, Brent W. and James Conklin. 2014. Mortgage Brokers, Origination Fees, Price Transparency and Competition. Real Estate Economics, 42(2):363-421.