Be more productive Find the feature you need fast and create documents more easily UML Diagram What is a UML Diagram UML is a way of visualizing a software program using a collection of diagrams. Single-Family Division Insights, products, and technology to help you grow your business.Start quickly with the most recent versions of Word, Excel, PowerPoint, Outlook, OneNote and OneDrive combining the familiarity of Office and the unique Mac features you love. Machine learning lets apps build and apply models based on massive amounts of data to do things like identify friends and family in photos and videos, interpret natural language for dictation and even analyse audio to recognise laughter, applause. The magic of machine learning The machine learning technologies in the M1 chip open up a world of possibilities for Mac apps.View sites for Renters, Buyers and OwnersMy Home by Freddie Mac® Resources to help you rent, buy and own your home.Do we own your mortgage? Find out if Freddie Mac owns your loan using our secured lookup tool.Did we finance your apartment? Use our lookup tool to see if Freddie Mac financed your apartment building.CreditSmart® Financial and homeownership education resources all about you.To follow up on several stories of potential purchase appraisal 1 bias in various news outlets, 2 Freddie Mac kicked off a study of whether minorities are more likely to receive an appraisal value that is lower than the contract price during purchase transactions. Optigo together.Optigo Academy One-stop learning for Optigo lenders. Lookup Mac, iPod, iPhone, iPad, Apple Watch, Apple TV and other Apple devices by Apple Order Number, Model Number, EMC Number, Model Identifier, and Serial Number as well as Intel processor number to check its specs and other details.Seller/Servicer Guide Learn how to work with us with our Guide Bulletins and Industry Letters.Multifamily Division For Optigo® lenders, investors and borrowers.Optigo.com Here for you. Performs full performance professional level work using Building Information Modeling (BIM) technology to support city BIM processes and coordinate the distribution of data and models to and from other departments andMac & Apple Devices - EveryMac.coms Ultimate Mac Lookup. General Statement of Duties. Recent efforts in promoting Building Information Modeling (BIM) generally.Building Information Modeling Analyst - CA3198 THIS IS A PUBLIC DOCUMENT City and County of Denver.Our analysis shows gaps for a large fraction of appraisers who provide valuations in both minority and White tracts. In the third section, we test whether the observed gaps are driven by only a few appraisers. Second, we examine the raw differences in the percentage of applicants that receive an appraisal value lower than the contract price and find that minority applicants are more likely to receive an appraisal value lower than the contract price.After observing these gaps, we conduct exploratory research to begin to understand what causes the valuation gaps for minority versus White tracts. 4 We find substantial appraisal valuation gaps 5 for minority versus White tracts.
Building Information Modeling Mac Features You![]() Tracts are classified according to the minority share of the population in that tract according to the 2010 census data. Is there an appraisal gap in minority neighborhoods?Appraisers' opinions of value are more likely to fall below the contract price in Black and Latino census tracts, and the extent of the gap increases as the percentage of Black or Latino people in the tract increases.We examine the appraisal outcomes for properties in Black and Latino tracts versus those in White tracts. When examining whether appraisal gaps exist, we consider the race and ethnicity of both the tracts in which the properties being appraised are located and of the applicants applying for a loan to buy the property. We focus on four race and ethnicity groups for this analysis: Black, Latino, White, and Overall. Mac system 7 emulator windowsIf the minority group has a higher percent than the White group, that gap is highlighted in orange, indicating an unfavorable outcome for that minority group. if the Black (or Latino) share is ≥ 80%.If the overall minority share 9 in a tract is below 50%, the tract is flagged as White.Exhibit 1, based on data for more than 12 million appraisals for purchase transactions submitted to Freddie Mac from January 1, 2015, to Decemthrough the Uniform Collateral Data Portal (UCDP), 10 shows that properties in Black and Latino tracts receive appraisal values lower than the contract price more often than those in White tracts. if the Black (or Latino) share is ≥ 50% and < 80% In addition, to see how the gaps change as the share of minority people increases, we further classify Black (or Latino) tracts as follows: Specifically, if the share of Black (or Latino) people in a tract is 50% or more, this tract is categorized as Black (or Latino). In addition, we analyze the top 30 Metropolitan Statistical Areas (MSAs). Exterior-only inspection or desktop—no on-site inspection) by occupancy type (owner, tenant, vacant) by property condition, by housing trend indicated in the appraisal report (stable, increasing, declining) and by urbanization level (urban, suburban, rural). For example, the gap for properties in Latino tracts increases from 7.7% in the bucket to 9.4% in the bucket.To check whether the appraisal gap patterns in Exhibit 1 are consistent and robust, we perform numerous robustness checks from different perspectives, including by appraisal type (appraisal with interior inspection vs. Torrent legend tom hardyWe hope to address this data limitation in future research.Exhibit 2 is based on a dataset we generate by merging the 12+ million appraisals from UCDP used in the first section with loan application data submitted to Freddie Mac. For example, if a Black homeowner's property is valued less than the benchmark and later sold to a White borrower, this transaction will be categorized as "White" instead of "Black" in our dataset. This data limitation can potentially result in an underestimation of the appraisal gap. In purchase transactions, appraisals are completed on sellers' properties, but the information on race and ethnicity is collected from borrowers. Is there an appraisal gap for minority applicants?Black and Latino applicants receive lower appraisal values than the contract price more often than White applicants.In this section, we use the minority status designated by applicants on their mortgage applications to examine the difference between Black and Latino applicants and White applicants. 11To know whether a small fraction of appraisers is generating the observed gaps, we calculate the gaps for each individual appraiser who submitted appraisals for properties in both minority tracts and White tracts. Are the appraisal gaps for minority tracts driven by only a small fraction of appraisers?An analysis of the group of appraisers with enough observations in both minority tracts and White tracts to yield valid t-statistics reveals that a large portion of appraisers are generating statistically significant gaps. For example, 9.5% of the Latino applicants receive “appraisal value lower than contract price”, compared to 6.5% of White applicants, resulting in a gap of 2.9%.3. Exhibit 2 shows that Black and Latino applicants receive “appraisal value lower than contract price” more often than White applicants. ![]()
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