Notes on data, decisions, and the questions behind them.
A running notebook on finance, real estate, technology, transportation, and health — full analytics breakdowns sit alongside shorter, looser takes. Some posts come with a dashboard and a dataset. Some are just a thought worth writing down.
New thoughts, every few weeks — written by
Jacob Smith
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LinkedIn
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View all →Who actually gets denied a mortgage, and where
A full build using HMDA's public lending data — SQL for approval-rate patterns, Python for the cleanup nobody shows you, and a dashboard built for a credit officer, not a recruiter.
The channel that "works" depends on which model you trust
First-touch and last-touch attribution tell two different stories about the same campaign data. Here's what changes when you switch models — and what doesn't.
A quick look at why your transit app is always slightly wrong
Real-time arrival predictions are a forecasting problem wearing a UI. A short note on why "3 minutes away" is often a guess dressed up as a fact.