Data Journalism Backup Site

Here is my optional tagline

HALLOWEEN

by | Oct 31, 2016 | Fall 2016 Student Work | 1 comment

When calculating the denial rates, I noticed that the denial rates mainly increased. Depending on the time of loan you’re trying to get and the race has a large factor in why they’re changing. For example, I noticed that the White and Asians tend to be applying for less home improvements loan than the other races. So therefore, the races that are asking for higher loans, than they are being denied more. I also believe it has something to do with refinancing from what I saw in the tables when changing the data into pivot tables.

1 Comment

  1. datareporting on November 1, 2016 at 7:41 am

    You needed to provide specifics on the differences and show how refinancing changed the data. That is the whole point of this assignment and the class.

    For example:
    Overall, the rate of denial for each racial category in the 2014 LAR was slightly higher (approximately between two and five percentage points) than those in the combined 4-1 and 4-2 HMDA data. For example, LAR Data showed American Indians/Alaskan Natives being rejected at a rate of 32 percent, while the combined HDMA data showed this group rejected at 29 percent. Whites were rejected at 13% in the HDMA data, while they had a rejection rate of 20 percent in the LAR data.