2 papers
cs.CY2025
NY Real Estate Racial Equity Analysis via Applied Machine Learning
Sanjana Chalavadi, Andrei Pastor, Terry Leitch
This study analyzes tract-level real estate ownership patterns in New York State (NYS) and New York City (NYC) to uncover racial disparities. We use an advanced race/ethnicity impu…
cs.CY2025
STRATA: A Name-and-Geography Race Inference Model for Fair Lending and Housing Equity Applications
S. Chalavadi, A. Pastor, T. Leitch
Accurate imputation of race and ethnicity (R&E) is essential for fair lending compliance under ECOA, HMDA, and the Community Reinvestment Act, where up to 15% of mortgage applicati…