Work / Independent / 2026
South Florida Mortgage Lending Building now
Palm Beach · Martin · St. Lucie · Broward · public HMDA data
A community bank wants to grow mortgage lending in South Florida. Where should it compete, which applicants is the market losing, and what fair-lending risks should it watch?
The question
Growth strategy and compliance in one: find the underserved markets without walking into fair-lending risk.
Data
Three years of HMDA loan application records for Florida, lender panels and Census tract shapefiles.
Plan
Market share with window functions in DuckDB, an application-to-origination funnel, a logistic-regression disparity screen and Tableau Public dashboards. Disparity results stay market-level, and public HMDA has no credit scores, so every result says so.
Status
Building in public. Progress goes in the journal.