It’s about 2 million. CFPB HMDA mortgage data.
May 31, 2026 at 11:04 PM
It’s about 2 million. CFPB HMDA mortgage data.
The CFPB is required to collect data under the Home Mortgage Disclosure Act (HMDA), which provides vital loan-level information
about the home mortgage market. All but one member of this team was RIFed. storage.courtlistener.com/recap/gov.us...
about the home mortgage market. All but one member of this team was RIFed. storage.courtlistener.com/recap/gov.us...
April 26, 2025 at 10:29 AM
The CFPB is required to collect data under the Home Mortgage Disclosure Act (HMDA), which provides vital loan-level information
about the home mortgage market. All but one member of this team was RIFed. storage.courtlistener.com/recap/gov.us...
about the home mortgage market. All but one member of this team was RIFed. storage.courtlistener.com/recap/gov.us...
A full house for “Data as Power: 50 years of the Home Disclosure Act (HMDA)” in Chicago. Bob Kuttner, Ted Wysocki, & Cal Bradford were all involved in organizing for the 1975 HMDA.
Kuttner talks about how his antiredlining work with Sen. Proxmire transformed his life to work on political economy.
Kuttner talks about how his antiredlining work with Sen. Proxmire transformed his life to work on political economy.
December 10, 2025 at 3:34 PM
A full house for “Data as Power: 50 years of the Home Disclosure Act (HMDA)” in Chicago. Bob Kuttner, Ted Wysocki, & Cal Bradford were all involved in organizing for the 1975 HMDA.
Kuttner talks about how his antiredlining work with Sen. Proxmire transformed his life to work on political economy.
Kuttner talks about how his antiredlining work with Sen. Proxmire transformed his life to work on political economy.
Wrote another post based on a video with Markus Brunnermeier
Use LLMs to lessen the large fixed costs of managing and organizing large databases. I use the setting of HMDA mortgage data to show how a massive 250m row db can turn into a trivial data exercise thanks to DuckDB + Claude Code.
Use LLMs to lessen the large fixed costs of managing and organizing large databases. I use the setting of HMDA mortgage data to show how a massive 250m row db can turn into a trivial data exercise thanks to DuckDB + Claude Code.
Large Datasets and Structured Databases: Claude Code for Economists
Video 4 in a series on Claude Code
open.substack.com
April 5, 2026 at 11:55 AM
Wrote another post based on a video with Markus Brunnermeier
Use LLMs to lessen the large fixed costs of managing and organizing large databases. I use the setting of HMDA mortgage data to show how a massive 250m row db can turn into a trivial data exercise thanks to DuckDB + Claude Code.
Use LLMs to lessen the large fixed costs of managing and organizing large databases. I use the setting of HMDA mortgage data to show how a massive 250m row db can turn into a trivial data exercise thanks to DuckDB + Claude Code.
WP thread: “Measuring and Mitigating Racial Bias in LLM Mortgage Underwriting” with Don Bowen, McKay Price, and Ke Yang
Our audit study asks AI to assess simple mortgage applications (real HMDA data w/ randomized race and credit scores)
🦶🦶🏼🦶🏿 Download lukeste.in/llmmortgage
1/
Our audit study asks AI to assess simple mortgage applications (real HMDA data w/ randomized race and credit scores)
🦶🦶🏼🦶🏿 Download lukeste.in/llmmortgage
1/
December 8, 2024 at 4:53 PM
WP thread: “Measuring and Mitigating Racial Bias in LLM Mortgage Underwriting” with Don Bowen, McKay Price, and Ke Yang
Our audit study asks AI to assess simple mortgage applications (real HMDA data w/ randomized race and credit scores)
🦶🦶🏼🦶🏿 Download lukeste.in/llmmortgage
1/
Our audit study asks AI to assess simple mortgage applications (real HMDA data w/ randomized race and credit scores)
🦶🦶🏼🦶🏿 Download lukeste.in/llmmortgage
1/
Nobody tell them about HMDA
February 1, 2025 at 12:14 AM
Nobody tell them about HMDA
The Human Mortality Database (my parent research project) has just joined BlueSky! Follow and see what my colleagues and I are up to. bsky.app/profile/hmda...
bsky.app
November 29, 2024 at 4:16 PM
The Human Mortality Database (my parent research project) has just joined BlueSky! Follow and see what my colleagues and I are up to. bsky.app/profile/hmda...
VA loan denial rates, pricing, appraisal timelines, and reuse rules are supported by HMDA-based research that counters common misconceptions.
Save What Matters
Curate Feeds | Make Collections | Customize Email Briefs
briefly.co
September 25, 2026 at 4:34 PM
VA loan denial rates, pricing, appraisal timelines, and reuse rules are supported by HMDA-based research that counters common misconceptions.
VA loan denial rates, pricing, appraisal timelines, and reuse rules are supported by HMDA-based research that counters common misconceptions.
Save What Matters
Curate Feeds | Make Collections | Customize Email Briefs
briefly.co
September 25, 2026 at 4:35 PM
VA loan denial rates, pricing, appraisal timelines, and reuse rules are supported by HMDA-based research that counters common misconceptions.
Looking forward to this in Chicago. Featuring some folks who were there in the early days of organizing for fair lending and community reinvestment, and talking about the 1975 Home Mortgage Disclosure Act.
Many a late night crunching HMDA data for advocacy and research.
Many a late night crunching HMDA data for advocacy and research.
Don’t wait! Get your tickets now for Data As Power: 50 Years of HMDA on Wednesday December 10th:
www.eventbrite.com/e/data-as-po...
In the early 1970s, Chicago communities impacted by redlining organized across racial lines and sparked a nationwide coalition demanding transparency...
www.eventbrite.com/e/data-as-po...
In the early 1970s, Chicago communities impacted by redlining organized across racial lines and sparked a nationwide coalition demanding transparency...
November 26, 2025 at 7:19 PM
Looking forward to this in Chicago. Featuring some folks who were there in the early days of organizing for fair lending and community reinvestment, and talking about the 1975 Home Mortgage Disclosure Act.
Many a late night crunching HMDA data for advocacy and research.
Many a late night crunching HMDA data for advocacy and research.
Working paper! papers.ssrn.com/sol3/papers....
Mortgage Lender Misclassification of Applicant Race and Ethnicity: Evidence from HMDA Data
Researchers often use an applicant’s self-identification of race or ethnicity when studying discrimination in credit markets. For some applications, a lender’s
papers.ssrn.com
December 29, 2023 at 2:30 PM
Working paper! papers.ssrn.com/sol3/papers....
Leon Bridges - Talk It Over (Official Video)
YouTube video by LeonBridgesVEVO
www.youtube.com
September 21, 2026 at 6:56 PM
There is nobody in the back office today. 🤣🤣🤣 We have...a manager, no processors, one underwriter, hmda, and three servicers. Oh no. Servicing is the most staffed.
Oh. No.
Oh. No.
November 24, 2023 at 1:35 PM
There is nobody in the back office today. 🤣🤣🤣 We have...a manager, no processors, one underwriter, hmda, and three servicers. Oh no. Servicing is the most staffed.
Oh. No.
Oh. No.
Mapped every investor mortgage in the US in 2024 (HMDA data).
Draw on any market --> get instant stats.
Areas that stand out:
- Exurbs (north of Dallas)
- Vacation areas (Florida 30A)
- Low-income urban (Memphis)
Interested in this data? Send me a note.
Draw on any market --> get instant stats.
Areas that stand out:
- Exurbs (north of Dallas)
- Vacation areas (Florida 30A)
- Low-income urban (Memphis)
Interested in this data? Send me a note.
December 3, 2025 at 4:13 PM
Mapped every investor mortgage in the US in 2024 (HMDA data).
Draw on any market --> get instant stats.
Areas that stand out:
- Exurbs (north of Dallas)
- Vacation areas (Florida 30A)
- Low-income urban (Memphis)
Interested in this data? Send me a note.
Draw on any market --> get instant stats.
Areas that stand out:
- Exurbs (north of Dallas)
- Vacation areas (Florida 30A)
- Low-income urban (Memphis)
Interested in this data? Send me a note.
WP thread: “Measuring and Mitigating Racial Bias in LLM Mortgage Underwriting” with Don Bowen, McKay Price, and Ke Yang
Our audit study asks AI to assess simple mortgage applications (real HMDA data w/ randomized race and credit scores)
🦶🦶🏼🦶🏿 Download lukeste.in/llmmortgage
1/
Our audit study asks AI to assess simple mortgage applications (real HMDA data w/ randomized race and credit scores)
🦶🦶🏼🦶🏿 Download lukeste.in/llmmortgage
1/
December 9, 2024 at 5:43 PM
WP thread: “Measuring and Mitigating Racial Bias in LLM Mortgage Underwriting” with Don Bowen, McKay Price, and Ke Yang
Our audit study asks AI to assess simple mortgage applications (real HMDA data w/ randomized race and credit scores)
🦶🦶🏼🦶🏿 Download lukeste.in/llmmortgage
1/
Our audit study asks AI to assess simple mortgage applications (real HMDA data w/ randomized race and credit scores)
🦶🦶🏼🦶🏿 Download lukeste.in/llmmortgage
1/
Finally figured out that HMDA stuff in DEV. Pushing to PROD for more testing tomorrow morning. Been working on it for a month trying to square peg a round hole, forcing the system to make it work.
July 8, 2024 at 8:45 PM
Finally figured out that HMDA stuff in DEV. Pushing to PROD for more testing tomorrow morning. Been working on it for a month trying to square peg a round hole, forcing the system to make it work.
Get your tickets now for Data As Power: 50 Years of HMDA on Wednesday December 10th! lnkd.in/gZju77Yx
In 2020, WBEZ reporters used Home Mortgage Disclosure Act (HMDA) data to discover lenders had invested more in a single white neighborhood than all of Chicago's Black neighborhoods combined... 🧵
In 2020, WBEZ reporters used Home Mortgage Disclosure Act (HMDA) data to discover lenders had invested more in a single white neighborhood than all of Chicago's Black neighborhoods combined... 🧵
December 4, 2025 at 7:14 PM
Get your tickets now for Data As Power: 50 Years of HMDA on Wednesday December 10th! lnkd.in/gZju77Yx
In 2020, WBEZ reporters used Home Mortgage Disclosure Act (HMDA) data to discover lenders had invested more in a single white neighborhood than all of Chicago's Black neighborhoods combined... 🧵
In 2020, WBEZ reporters used Home Mortgage Disclosure Act (HMDA) data to discover lenders had invested more in a single white neighborhood than all of Chicago's Black neighborhoods combined... 🧵
Try filling out HMDA disclosures with people from “non traditional” backgrounds.
These forms were designed to delineate white from black from Latino from Chinese. They didn’t think beyond that.
These forms were designed to delineate white from black from Latino from Chinese. They didn’t think beyond that.
american racial categories make absolutely zero sense, more at 9
July 4, 2025 at 10:37 PM
Try filling out HMDA disclosures with people from “non traditional” backgrounds.
These forms were designed to delineate white from black from Latino from Chinese. They didn’t think beyond that.
These forms were designed to delineate white from black from Latino from Chinese. They didn’t think beyond that.
Leon Bridges - Talk It Over (Official Video)
YouTube video by LeonBridgesVEVO
www.youtube.com
August 23, 2026 at 6:55 AM
We had a wonderful turnout at our event, Data as Power: 50 Years of the Home Mortgage Disclosure Act! Panelists discussed the past, present, and future of HMDA data and its role in combatting redlining and enforcing fair lending laws.
December 17, 2025 at 6:06 PM
We had a wonderful turnout at our event, Data as Power: 50 Years of the Home Mortgage Disclosure Act! Panelists discussed the past, present, and future of HMDA data and its role in combatting redlining and enforcing fair lending laws.
📣 Today in 1975, Chicago housewife and @pplsaction.bsky.social cofounder Gale Cincotta testified to Congress about banks' refusal to lend in low-income neighborhoods. This led to two federal laws, #HMDA and #CRA, to end bank redlining. We must protect these laws and our communities - #getthecrooks!
May 5, 2025 at 2:24 PM
📣 Today in 1975, Chicago housewife and @pplsaction.bsky.social cofounder Gale Cincotta testified to Congress about banks' refusal to lend in low-income neighborhoods. This led to two federal laws, #HMDA and #CRA, to end bank redlining. We must protect these laws and our communities - #getthecrooks!
