hmda

Replication code for: Persistent Racial Disparities in U.S. Mortgage Approval (42M HMDA applications, 2020-2024). 14.95 pp raw Black-White gap; 68% unexplained by observables. Under review, Journal of Housing Economics.

Build a harmonized DuckDB database from 40+ years of HMDA mortgage data (685M rows) in a single command.

Archived (Oct 2026): rejected; misread HMDA credit-score and AUS fields, see correction notice. Superseded by hmda-racial-disparities.

HMDA mortgage lending disparity analyzer — denial rates, racial disparities, lending deserts, and lender benchmarking

Credit decisioning with model risk governance on 1.96M SBA loans and 93.4M HMDA applications. Ten promotion gates — one blocks my own model.

Analysis of HMDA home loans data for Tyler, TX.

Independent model validation and AI governance framework for high-stakes financial decision models using public HMDA mortgage data.

Statistical lending-disparity screening for public HMDA data — a transparent, open-source screening tool for community advocates and journalists. Not an examination methodology

Explainable and fair mortgage-denial models on 2025 Arizona HMDA data: Optuna-tuned LightGBM/XGBoost/CatBoost, SHAP vs LIME checked against lenders' stated denial reasons, and a fairlearn audit by race, ethnicity, sex and age with mitigation trade-offs.

AI skills for NMTC eligibility, bank-CDFI peer benchmarking & HMDA analysis — grounded in audited PyPI tools, not hallucinated.

HMDA — every US mortgage application at loan level (CFPB / FFIEC).

Interactive credit-decisioning fairness tool: translates DI/EOD into per-applicant dollar units. Surfaces the Fairness Paradox on 95K HMDA mortgage applications.

Orchestrated HMDA mortgage data pipeline using Apache Airflow — automated ingestion, cleaning, quality validation, and weekly model performance monitoring on 279K NC loan applications.

An interactive app that tells the story of the 2008 mortgage crisis and its decade-long aftermath through five borrowers, built on 64 million HMDA mortgage records (2007–2017) from the CFPB.

PropTech audit-stream Operator surface. Per-mortgage-application AI-tool-access events hash-chained for ECOA Reg B + RESPA + HMDA + GLBA Safeguards + CFPB UDAAP + Fair Housing recordkeeping. MISMO/URLA-bridged. human_underwriter_required invariant. JSON Schema + Node verifier.

Live US bank and credit union rates MCP server: CDs, savings, mortgages, local lenders, housing and insurance indexes

Can anyone still afford a home: a data story in eight chapters over 393 US metros, with a pre registered plan, a simulator with known truth, a dbt warehouse and a claim gate on every number

PySpark + Delta Lake lakehouse over 222.7M US mortgage records (HMDA 2018-2025): affordability, the 2022 rate hike, denials, fairness, and how much the government's own data changes between versions. Every number checked against official totals.

HMDA data analysis with Hadoop MapReduce and Apache Spark, reconstructed from an HPC/big-data course project with validated cross-framework results.

A simple, interpretable credit approval model built on HMDA data using decision trees