Comparative Analysis of 2021 and 2021 Mortgage Approvals and Denials in Kansas
The phrase “comparative analysis” is commonly used in the context of fair lending compliance. In short, bank examiners will choose two sets of files where borrowers have similar financial characteristics such as debt-to-income ratio (DTI), loan-to-value ratios (LTV) and income. However, one set of borrowers was approved for their loans while the other set of…
Google Data Analytics Case Study
As part of Google’s Data Analytics certificate, students were asked to choose from one of two cases (or pursue your own project!). Below are the slides from my finished project.
Back in the saddle! Earning a data analytics certificate
Hi world! One of my goals for 2022 is to get back to a level of consistency with this blog and sharing my journey into become a data and business intelligence analyst. As such, I wanted to share my ongoing experience of earning Google’s Data Analytics certificate. “Get started in the high-growth field of data…
Beginning on Kaggle
I’ve finished (?) the beginning steps on my first project on Kaggle! I likely am not completely done but as a beginner, I don’t know what I don’t know. I cleaned a pretty messy data set. The dataset included data on mortgages originated and mortgage applications for the state of Kansas during 2020. In the…
Making money online: selling art
If you have ever asked yourself: Can I make money online taking pictures? The answer is yes. If, more specifically, your question is “can I, as a novice, make money taking pictures?” let this novice tell you that absolutely you can!
Pre-screened Credit Card Offers
The good news is that if you’re seeking new credit card offers, many prescreened offers are accompanied by great benefits for new customers – temporarily lower APR, cash bonuses, etc.
Credit Rules Everything Around Me
You likely know the ‘Big 3’ of credit reporting – Equifax, Experian, TransUnion. But there are PLENTY of other consumer reporting agencies (CRAs) with a variety of information on you and your checking accounts, credit inquiries, job history, and all that. Creditors are largely figuring out that using the same-old data from the Big 3…
So today I decided write a thread on Twitter about my career (tangentially speaking)! The thread was a bit brief, because character limits (while necessary) are quite aggy. The day-in and day-out of my job can get very tedious. But seeing these landmark cases (that I reference in this thread) puts everything into perspective. The…