hmda

Replication code for: Persistent Racial Disparities in U.S. Mortgage Approval - Evidence from 42 Million HMDA Applications, 2020-2024. 14.95pp raw gap; 68% unexplained by observables. Under review at Journal of Housing Economics.

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

Causal Forest DML analysis of racial approval penalties in U.S. mortgage lending | 42M HMDA applications, 2020-2024 | Under review at Journal of Financial Services Research

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

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

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

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

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.

Predicts U.S. home loan approvals using 4.25M real HMDA 2023 applications — XGBoost, Random Forest, Logistic Regression, ROC-AUC 0.9932

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

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

Profile of evidence-bundle-spec scoped to RESPA + TILA-RESPA Integrated Disclosure (TRID) + Section 8 anti-kickback + escrow + ECOA Reg B + HMDA + Fair Housing + GLBA Safeguards + AI vendor procurement. 10 obligation families. PropTech-readiness scaffolding, not certification.

Final Project for INFO 254 at UC Berkeley in Spring 2018

Analysis code for HMDA loan-level mortgage data and FFIEC Census files: lending disparities, tract-boundary corrections across vintages, longitudinal series, systemic-bank metrics, and a Python replication of published R methodology. Code-only; no data shipped.

Universal Loan Identifier (ULI) validation and check digit generation

Final Project for INFO 254 at UC Berkeley in Spring 2018

End-to-end mortgage approval analytics using Python, DuckDB, SQL, Tableau, and 3.8 million HMDA records.

PropTech-specific profile of the AI Procurement Decision Card v0.3 vault contract. Names RESPA (12 CFR 1024), ECOA Reg B (12 CFR 1002), Fair Housing Act, HMDA, GLBA, MLS NAR + 2024 Settlement PII categories + 7-doctrine consent_basis_taxonomy. PropTech-readiness scaffolding, not certification.