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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3,148

SSRN CITATIONS
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Top 6,849

in Total Papers Citations

197

CROSSREF CITATIONS

32

Scholarly Papers (9)

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1.

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

Downloads 831 (49,768)
Citation 5

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

Number of pages: 43 Posted: 19 Jul 2021 Last Revised: 28 Aug 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 557 (82,489)
Citation 7

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Discrimination, mortgage lending, 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 274 (186,002)

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

2.

Do Minorities Pay More for Mortgages?

Downloads 737 (58,412)
Citation 39

Do Minorities Pay More for Mortgages?

Number of pages: 44 Posted: 19 Apr 2019 Last Revised: 22 Jun 2020
Neil Bhutta and Aurel Hizmo
Federal Reserve Bank of Philadelphia and Board of Governors of the Federal Reserve System
Downloads 638 (69,511)
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 99 (443,338)
Citation 34

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

3.

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

Downloads 701 (62,402)
Citation 11

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
Federal Reserve Bank of Philadelphia, École Polytechnique Fédérale de Lausanne and Board of Governors of the Federal Reserve System
Downloads 701 (61,522)
Citation 10

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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
Federal Reserve Bank of Philadelphia, École Polytechnique Fédérale de Lausanne and Board of Governors of the Federal Reserve System
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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 and Board of Governors of the Federal Reserve System
Downloads 285 (178,985)
Citation 2

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5.

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

Downloads 270 (189,014)
Citation 49

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 182 (274,040)
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 88 (479,084)
Citation 10

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6.

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

Downloads 150 (323,350)
Citation 3

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
Andreas Fuster, Aurel Hizmo, Lauren Lambie-Hanson, James I. Vickery and Paul Willen
École 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 57 (612,290)

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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
Andreas Fuster, Aurel Hizmo, Lauren Lambie-Hanson, James I. Vickery and Paul Willen
École 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 36 (745,051)
Citation 1

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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, 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 33 (767,884)

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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
Andreas Fuster, Aurel Hizmo, Lauren Lambie-Hanson, James I. Vickery and Paul Willen
École 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 24 (843,965)

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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, 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 4
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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 98 (443,278)
Citation 4

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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 76 (518,058)

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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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