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Black and Latino applicants are denied at roughly twice the white rate and lending concentrates in formerly A/B-graded areas, but following recent Fed
The real public data behind Mortgage Lending and Denial Disparities in Chicago Through HMDA. CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) public loan/application data, Cook County (FIPS 17031), Chicago metro. Files are hosted here directly so the analysis is reproducible; analysis.py reads only these files and prints the figures the paper reports.
These files are hosted directly on Rooted Forward and load below as live spreadsheets. Sort by clicking a column header, filter rows with the search box, change page size, or use Export current view in any spreadsheet toolbar to save your filtered view in CSV, TSV, or JSON.
analysis.py
Reproducible pandas script. Verifies the developments file is a subset of the portfolio, isolates OCII Western Addition-Area 2 (21 developments / 914 units / 821 income-restricted), tabulates tenure a
Source: Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC)
This file is not a tabular CSV. Use the download button above to save it locally.
build_aggregates.py
One-time prep script documenting exactly how the raw FFIEC HMDA single-year LAR files (74-135 MB each, not committed) were aggregated into the small shipped CSVs. Includes the FFIEC download URL and a
Source: Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC)
License
Code MIT, derived data CC BY 4.0.
What the cleaned archive will contain when complete. Column names and types may evolve until the archive ships.
| Column | Type | Description |
|---|---|---|
| group | text | |
| reason | text | |
| denials | text |
This file is not a tabular CSV. Use the download button above to save it locally.
cook-county-tract-centroids-2023.csv
1,332 Cook County census-tract centroids (GEOID, lat, lon) from the Census 2023 national tract gazetteer, used to map tracts to 1938 HOLC zones.
Source: Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC)
hmda-cook-denial-reasons.csv
Race/ethnicity x primary-denial-reason counts among denied applications, 2018-2023 pooled.
Source: Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC)
hmda-cook-higher-priced.csv
Race/ethnicity x year counts of originated first-lien loans with a reported rate spread and how many were higher-priced (rate_spread >= 1.5).
Source: Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC)
hmda-cook-income-band-gap.csv
Race/ethnicity x income band x year application and denial counts, for the within-income-band gap analysis.
Source: Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC)
hmda-cook-lender-concentration.csv
Top 25 Cook County lenders by originated dollars, with originated dollars broken out by race/ethnicity group, for the white-to-Black lending-dollar ratio.
Source: Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC)
hmda-cook-loan-band-gap.csv
Race/ethnicity x loan-amount band x year application and denial counts, companion to the income-band file.
Source: Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC)
hmda-cook-race-year-summary.csv
Race/ethnicity x year application, denial, origination counts and origination dollars for Cook County 2018-2023. Real aggregated HMDA counts.
Source: Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC)
hmda-cook-tract-year-aggregate.csv
Census-tract x year x race/ethnicity application/denial/origination counts and dollars, Cook County 2018-2023. Largest shipped file at 1.9 MB.
Source: Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC)
holc-chicago-1938-zones.geojson
1938 HOLC grade polygons for Chicago, copied unchanged from the repo's 1938-holc-chicago-map-annotated dataset so the analysis is self-contained.
Source: Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC)
This file is not a tabular CSV. Use the download button above to save it locally.