D.S. Morgan

Selected Work

Papers, proofs, coursework, and projects in mathematics and data science.

Paper

Who Gets The Loan

How much more often are Black, Hispanic and Asian mortgage applicants denied than White applicants in the 2025 HMDA data, and how much of each gap survives controls for income, debt-to-income, loan-to-value, loan type, state and lender?

Proof

Euler's Identity

Two proofs of e^(iπ) + 1 = 0: from the power series for exp, sin and cos, and from the circle group.

Paper

Harmony Amid Chaos

Galois tables of GF(p²): three theorems on the symmetry between twin tables, and two measures, Arnold's and our own, of how randomly the logarithms are spread.