| http://www.w3.org/ns/prov#value | - Also, lenders, community groups, government agencies, and others can use the data to identify opportunities for private or public investment.A full understanding of the data, including their limitations, will help ensure that the data are used effectively to advance the goals of HMDA. The data, for example, do not include certain determinants of credit risk that may explain higher loan prices, suc
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