HMDA Data for Arkansas

We will now examine the rejection and rate spreads statewide, looking at the counties with rejection rates above the state average and counties with the greatest number of reported rate spread loans. Do any of these places match up? How do they compare to NW Arkansas?

This is a lot of work and probably will take more than a week to complete. Start working on it this week, report on your progress by Sunday, 11:59 pm  on Feb. 12 with a few data visualizations that answer the following questions.

Again, I understand if you cannot finish all of this in one week. So a progress report memo is fine by Feb. 12

Data:

https://drive.google.com/open?id=0B9N10qKqBa2zd0xwTjBYR1R6eVk

–Four corners

–Clean blanks – replace with NULL

1)–Establish average per loan rejection rates for all races.

–Top 10 counties with rejection rates by races ethnicity > state averages

–Top 10 counties with rejection rates < state averages

2)–Rate spread analysis:

–Counties with the highest number of any rate spread loans

–Compare to counties with high minority rejection rates

Map Grouped Rate Spread (same as NW Arkansas Assignment)

3) Grouped and Mapped Rate Spreads

Do a basic visualization that groups that data in .25 percentage point increments:
1.5-1.75%
1.76-2.0%
2.1-2.25%
2.26-2.50%
etc to 8.4%

2) Visualize rate spread group and ethnicity.

3) Map the grouped rate spread.

4) Visualize the grouped rate spread by loan type: refinancing, home purchase or home improvement