Projects
Computational projects with Python code, experiments, and graphics.
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Project Who Gets the Loan?
How much more often are Black, Hispanic and Asian mortgage applicants denied than White applicants in the 2025 HMDA data, and how much of each gap survives controls for income, debt-to-income, loan-to-value, loan type, state and lender? More than half of the Black–White gap remains, but without credit scores that is not proof of discrimination.