Inspiration We were inspired by the "Great Handover"—the massive shift where banks retreated from risk and non-banks took over the mortgage market after the 2008 crisis.
What We Learned We learned that the 2012 "recovery" was often a mirage. Volume spiked because of refinancing, while actual homeownership continued to stall. We tracked this using the Loan-to-Income (LTI) ratio: $$LTI = \frac{\text{Loan Amount}}{\text{Applicant Income}}$$
How We Built It The project is a "data documentary" built using Dash (Python) and Plotly. We used Polars to rapidly process millions of rows from the HMDA lending datasets.
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