by Nathan Smith | Oct 31, 2016 | Fall 2016 Student Work
From my pivot tables, it seems we’re going in the wrong direction. The real people being discriminated against here are people who don’t provide their race on their applications. What a startling revelation! But, really, the discrepancies in the...
by Nathan Smith | Oct 31, 2016 | Fall 2016 Student Work
In analyzing the data from HMDA and the larger flat files from the 2014 LAR data, I found the largest discrepancy in rejection rates in the populations of people who identified themselves as black or white. The black populations showed a 15 percent rejection rate...
by Nathan Smith | Oct 31, 2016 | Fall 2016 Student Work
After examining data from the smaller HMDA data set and the larger flat files, denial rates were listed differently in each. For almost all races, HMDA data listed a lower denial rate, except for Native Hawaiians or Pacific Islanders. For example, African Americans...
by Nathan Smith | Oct 31, 2016 | Fall 2016 Student Work
Examine Flat Files, Determine Discrepancies In examining the differences between combined 4-1 and 4-2 Home Mortgage Disclosure Act data and the more comprehensive 2014 LAR dataset, I found the most startling contrast is the denial rates for both whites and African...
by Nathan Smith | Oct 31, 2016 | Fall 2016 Student Work
Some denial rates have increased in comparison to the original dataset. It could be assumed that White, Asian, and Pacific Islanders populations are decreasingly applying for loans due to the increase in home improvement. According to the new date the refinancing area...
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