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 has remained pretty much the same regardless of changes in the state of the economy.
Where are the details on the data? That is the whole point of the assignment, and this 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.