Aurel Hizmo

Board of Governors of the Federal Reserve System

20th Street and Constitution Avenue NW

Washington, DC 20551

United States

SCHOLARLY PAPERS

9

DOWNLOADS
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Top 31,566

in Total Papers Downloads

2,241

SSRN CITATIONS
Rank 8,043

SSRN RANKINGS

Top 8,043

in Total Papers Citations

106

CROSSREF CITATIONS

55

Scholarly Papers (9)

1.
Downloads 649 ( 57,799)
Citation 14

Do Minorities Pay More for Mortgages?

Number of pages: 44 Posted: 19 Apr 2019 Last Revised: 22 Jun 2020
Neil Bhutta and Aurel Hizmo
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 571 (67,309)
Citation 5

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Discrimination, Fair Lending, Mortgage, Points, Interest Rate, FHA, Consumer Protection, High-Cost Mortgage

Do Minorities Pay More for Mortgages?

FEDS Working Paper No. 2020-7
Number of pages: 45 Posted: 21 May 2020
Neil Bhutta and Aurel Hizmo
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 78 (426,481)
Citation 10

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Discrimination; Fair lending; Mortgage; Points; Interest rate; FHA; Consumer protection; High-cost mortgage

Paying Too Much? Borrower Sophistication and Overpayment in the US Mortgage Market

Number of pages: 70 Posted: 22 Jul 2019 Last Revised: 29 Jan 2021
Neil Bhutta, Andreas Fuster and Aurel Hizmo
Board of Governors of the Federal Reserve System, Ecole Polytechnique Fédérale de Lausanne and Board of Governors of the Federal Reserve System
Downloads 522 (75,332)
Citation 33

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mortgages, household finance, interest rates, financial literacy, price dispersion

Paying Too Much? Borrower Sophistication and Overpayment in the Us Mortgage Market

CEPR Discussion Paper No. DP14924
Number of pages: 72 Posted: 29 Jun 2020 Last Revised: 11 Feb 2021
Neil Bhutta, Andreas Fuster and Aurel Hizmo
Board of Governors of the Federal Reserve System, Ecole Polytechnique Fédérale de Lausanne and Board of Governors of the Federal Reserve System
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3.

How Much Does Racial Bias Affect Mortgage Lending? Evidence from Human and Algorithmic Credit Decisions

Number of pages: 27 Posted: 19 Jul 2021
Neil Bhutta, Aurel Hizmo and Daniel Ringo
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 437 (94,112)
Citation 1

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Discrimination, mortgage lending, automated underwriting, credit score, fair lending

Beyond Signaling and Human Capital: Education and the Revelation of Ability

Economic Research Initiatives at Duke (ERID) Working Paper 32
Number of pages: 34 Posted: 07 May 2010 Last Revised: 18 May 2010
Duke University - Department of Economics, Duke University - Department of Economics and Board of Governors of the Federal Reserve System
Downloads 169 (245,284)
Citation 23

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Beyond Signaling and Human Capital: Education and the Revelation of Ability

NBER Working Paper No. w13951
Number of pages: 39 Posted: 17 Apr 2008 Last Revised: 15 Aug 2022
Duke University - Department of Economics, Duke University - Department of Economics and Board of Governors of the Federal Reserve System
Downloads 70 (453,205)
Citation 3

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5.

Paying Too Much? Price Dispersion in the U.S. Mortgage Market

FEDS Working Paper No. 2020-62
Number of pages: 71 Posted: 24 Aug 2020
Neil Bhutta, Andreas Fuster and Aurel Hizmo
Board of Governors of the Federal Reserve System, Ecole Polytechnique Fédérale de Lausanne and Board of Governors of the Federal Reserve System
Downloads 148 (273,250)

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How Resilient is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic

Swiss Finance Institute Research Paper No. 21-41
Number of pages: 79 Posted: 29 Jul 2021
Ecole Polytechnique Fédérale de Lausanne, Board of Governors of the Federal Reserve System, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Boston - Research Department
Downloads 39 (590,939)

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mortgage, credit, financial intermediation, fintech, COVID-19

How Resilient is Mortgage Credit Supply? Evidence from the Covid-19 Pandemic

NBER Working Paper No. w28843
Number of pages: 77 Posted: 24 May 2021 Last Revised: 24 Apr 2022
Ecole Polytechnique Fédérale de Lausanne, Board of Governors of the Federal Reserve System, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Boston - Research Department
Downloads 31 (640,123)

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How Resilient is Mortgage Credit Supply? Evidence from the Covid-19 Pandemic

FRB of Philadelphia Working Paper No. 21-20
Number of pages: 77 Posted: 02 Jun 2021 Last Revised: 23 Jul 2021
Ecole Polytechnique Fédérale de Lausanne, Board of Governors of the Federal Reserve System, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Boston - Research Department
Downloads 28 (661,185)

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How Resilient is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic

FEDS Working Paper No. 2021-48
Number of pages: 52 Posted: 10 Aug 2021 Last Revised: 07 Sep 2021
Ecole Polytechnique Fédérale de Lausanne, Board of Governors of the Federal Reserve System, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Boston - Research Department
Downloads 13 (790,083)

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How Resilient is Mortgage Credit Supply? Evidence from the Covid-19 Pandemic

CEPR Discussion Paper No. DP16110
Number of pages: 78 Posted: 14 May 2021 Last Revised: 14 Jul 2021
Ecole Polytechnique Fédérale de Lausanne, Board of Governors of the Federal Reserve System, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Boston - Research Department
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7.

Measuring Mortgage Credit Availability: A Frontier Estimation Approach

FEDS Working Paper No. 2017-101
Number of pages: 51 Posted: 05 Oct 2017
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, California State University, Northridge - David Nazarian College of Business and Economics and Board of Governors of the Federal Reserve System
Downloads 74 (434,417)
Citation 2

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8.

Web Appendix: Beyond Signaling and Human Capital: Education and the Revelation of Ability

Duke Department of Economics Research Paper
Number of pages: 6 Posted: 07 May 2010
Duke University - Department of Economics, Duke University - Department of Economics and Board of Governors of the Federal Reserve System
Downloads 61 (479,877)

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9.

The Effects of the Ability-to-Repay / Qualified Mortgage Rule on Mortgage Lending

FEDS Notes No. 2018-11-16
Posted: 27 Nov 2018 Last Revised: 25 Jun 2020
Aurel Hizmo and Shane Sherlund
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

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