Build a harmonized DuckDB database from 40+ years of HMDA mortgage data (685M rows) in a single command.

Statistical disparate impact analysis for HMDA data — the methodology federal examiners use, open-sourced for community advocates and journalists

HMDA mortgage lending disparity analyzer — denial rates, racial disparities, lending deserts, and lender benchmarking

Analysis of HMDA home loans data for Tyler, TX.

Causal Forest DML analysis of racial approval penalties in U.S. mortgage lending | 42M HMDA applications, 2020-2024 | Working paper

Interactive credit-decisioning fairness tool: translates DI/EOD into per-applicant dollar units. Surfaces the Fairness Paradox on 95K HMDA mortgage applications.

Predicts U.S. home loan approvals using 4.25M real HMDA 2023 applications — XGBoost, Random Forest, Logistic Regression, ROC-AUC 0.9932

PropTech audit-stream Operator surface. Per-mortgage-application AI-tool-access events hash-chained for ECOA Reg B + RESPA + HMDA + GLBA Safeguards + CFPB UDAAP + Fair Housing recordkeeping. MISMO/URLA-bridged. human_underwriter_required invariant. JSON Schema + Node verifier.

Universal Loan Identifier (ULI) validation and check digit generation

Final Project for INFO 254 at UC Berkeley in Spring 2018

Command Line Interface client for the Home Mortgage Disclosure Act Platform (HMDA)

A simple, interpretable credit approval model built on HMDA data using decision trees

Profile of evidence-bundle-spec scoped to RESPA + TILA-RESPA Integrated Disclosure (TRID) + Section 8 anti-kickback + escrow + ECOA Reg B + HMDA + Fair Housing + GLBA Safeguards + AI vendor procurement. 10 obligation families. PropTech-readiness scaffolding, not certification.

PropTech-specific profile of the AI Procurement Decision Card v0.3 vault contract. Names RESPA (12 CFR 1024), ECOA Reg B (12 CFR 1002), Fair Housing Act, HMDA, GLBA, MLS NAR + 2024 Settlement PII categories + 7-doctrine consent_basis_taxonomy. PropTech-readiness scaffolding, not certification.

Analyzing home mortgage data.

Profile of evidence-bundle-spec scoped to AI mortgage / appraisal / pricing tool bias coverage. ECOA Reg B + Fair Housing Act protected classes + mortgage dimensions (LTV/DTI bands, MSA, census tract, majority-minority-tract flag). EEOC four-fifths-rule canonical threshold. PropTech-readiness scaffolding, not certification.

Final Project for INFO 254 at UC Berkeley in Spring 2018

Mortgage denial-rate analysis (HMDA 2024) — Python + SQL + Tableau

The Consumer Financial Protection Bureau (CFPB) is the U.S. federal agency that supervises banks, lenders, and other financial companies, enforces federal consumer financial laws, and publishes large public datasets via open APIs.