Aurel Hizmo

Board of Governors of the Federal Reserve System

20th Street and Constitution Avenue NW

Washington, DC 20551

United States

  • Board of Governors of the Federal Reserve System

SCHOLARLY PAPERS

9

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5,005

TOTAL CITATIONS
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Top 4,496

in Total Papers Citations

136

Scholarly Papers (9)

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1.

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

Downloads 1,585 (24,622)
Citation 11

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

FRB Philadelphia Consumer Finance Institute Working Paper WP 24-09Journal of Finance forthcoming
Number of pages: 66 Posted: 19 Jul 2021 Last Revised: 13 Jun 2024
Neil Bhutta, Aurel Hizmo and Daniel Ringo
Federal Reserve Bank of Philadelphia, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 885 (56,256)
Citation 11

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mortgage, mortgage approval, discrimination, mortgage lender, automated underwriting, credit score, fair lending

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

FEDS Working Paper No. 2022-67
Number of pages: 44 Posted: 14 Nov 2022
Neil Bhutta, Aurel Hizmo and Daniel Ringo
Federal Reserve Bank of Philadelphia, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 700 (76,866)

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Discrimination, Fair lending, Automated underwriting, Credit score, Mortgage lending

2.

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

Downloads 1,286 (33,610)
Citation 28

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

Journal of Finance, Forthcoming
Number of pages: 117 Posted: 22 Jul 2019 Last Revised: 03 Feb 2025
Neil Bhutta, Andreas Fuster and Aurel Hizmo
Federal Reserve Bank of Philadelphia, École Polytechnique Fédérale de Lausanne (EPFL) and Board of Governors of the Federal Reserve System
Downloads 1,075 (42,976)
Citation 28

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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

Swiss Finance Institute Research Paper No. 24-21
Number of pages: 93 Posted: 05 Mar 2024
Neil Bhutta, Andreas Fuster and Aurel Hizmo
Federal Reserve Bank of Philadelphia, École Polytechnique Fédérale de Lausanne (EPFL) and Board of Governors of the Federal Reserve System
Downloads 143 (424,311)

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

FRB of Philadelphia Working Paper No. 24-11
Number of pages: 92 Posted: 20 Jun 2024
Neil Bhutta, Andreas Fuster and Aurel Hizmo
Federal Reserve Bank of Philadelphia, École Polytechnique Fédérale de Lausanne (EPFL) and Board of Governors of the Federal Reserve System
Downloads 68 (708,152)

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Mortgage, price dispersion, consumer search, financial literacy, interest rates

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
Federal Reserve Bank of Philadelphia, École Polytechnique Fédérale de Lausanne (EPFL) and Board of Governors of the Federal Reserve System
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3.

Do Minorities Pay More for Mortgages?

Downloads 833 (62,123)
Citation 46

Do Minorities Pay More for Mortgages?

Number of pages: 44 Posted: 19 Apr 2019 Last Revised: 01 Dec 2023
Neil Bhutta and Aurel Hizmo
Federal Reserve Bank of Philadelphia and Board of Governors of the Federal Reserve System
Downloads 706 (76,072)
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
Federal Reserve Bank of Philadelphia and Board of Governors of the Federal Reserve System
Downloads 127 (467,124)
Citation 41

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

4.

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
Federal Reserve Bank of Philadelphia, École Polytechnique Fédérale de Lausanne (EPFL) and Board of Governors of the Federal Reserve System
Downloads 525 (112,311)
Citation 1

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5.

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

Downloads 308 (206,294)
Citation 36

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
Patrick J. Bayer, Peter Arcidiacono and Aurel Hizmo
Duke University - Department of Economics, Duke University - Department of Economics and Board of Governors of the Federal Reserve System
Downloads 201 (313,923)
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
Peter Arcidiacono, Patrick J. Bayer and Aurel Hizmo
Duke University - Department of Economics, Duke University - Department of Economics and Board of Governors of the Federal Reserve System
Downloads 107 (533,625)
Citation 13

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6.

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

Downloads 251 (254,697)
Citation 9

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

Swiss Finance Institute Research Paper No. 21-41
Number of pages: 108 Posted: 29 Jul 2021 Last Revised: 18 Oct 2024
Andreas Fuster, Aurel Hizmo, Lauren Lambie-Hanson, James I. Vickery and Paul Willen
École Polytechnique Fédérale de Lausanne (EPFL), 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 96 (576,874)

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

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
Andreas Fuster, Aurel Hizmo, Lauren Lambie-Hanson, James I. Vickery and Paul Willen
École Polytechnique Fédérale de Lausanne (EPFL), 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 53 (803,506)

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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
Andreas Fuster, Aurel Hizmo, Lauren Lambie-Hanson, James I. Vickery and Paul Willen
École Polytechnique Fédérale de Lausanne (EPFL), 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 53 (803,506)
Citation 2

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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
Andreas Fuster, Aurel Hizmo, Lauren Lambie-Hanson, James I. Vickery and Paul Willen
École Polytechnique Fédérale de Lausanne (EPFL), 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 49 (833,422)

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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
Andreas Fuster, Aurel Hizmo, Lauren Lambie-Hanson, James I. Vickery and Paul Willen
École Polytechnique Fédérale de Lausanne (EPFL), 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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Citation 7
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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
Elliot Anenberg, Aurel Hizmo, Edward Kung and Raven Molloy
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 126 (468,231)
Citation 5

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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
Patrick J. Bayer, Peter Arcidiacono and Aurel Hizmo
Duke University - Department of Economics, Duke University - Department of Economics and Board of Governors of the Federal Reserve System
Downloads 91 (590,588)

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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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