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

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

Analysis of HMDA home loans data for Tyler, TX.

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

Independent model validation and AI governance framework for high-stakes financial decision models using public HMDA mortgage data.

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

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

Orchestrated HMDA mortgage data pipeline using Apache Airflow — automated ingestion, cleaning, quality validation, and weekly model performance monitoring on 279K NC loan applications.

Final Project for INFO 254 at UC Berkeley in Spring 2018

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.

AI skills for NMTC eligibility, bank-CDFI peer benchmarking & HMDA analysis — grounded in audited PyPI tools, not hallucinated.

Final Project for INFO 254 at UC Berkeley in Spring 2018

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.

An end-to-end ELT pipeline using DuckDB, dbt and Streamlit for fair lending analysis.

CFPB APIs.json profile

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.

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

Algorithmic-bias audit of ~800k U.S. mortgage applications (HMDA 2024): approval modeling, demographic-disparity metrics, and Fairlearn fairness-constrained optimization.