{
  "alt_adi_least": {
    "ci": [
      7.2,
      8.5
    ],
    "ciLevel": 0.95,
    "display": "7.8%",
    "estimand": "pooled denial rate (denied applications divided by applications originated or denied, summed over the tracts); 95% intervals from a bootstrap over counties",
    "n": 7181,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the least deprived tenth of tracts ranked by Area Deprivation Index, among the tracts with all four rankings",
    "source": "hmda",
    "unit": "Denied share of decided applications (%)",
    "value": 7.82692,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "alt_adi_most": {
    "ci": [
      13.3,
      14.3
    ],
    "ciLevel": 0.95,
    "display": "13.7%",
    "estimand": "pooled denial rate (denied applications divided by applications originated or denied, summed over the tracts); 95% intervals from a bootstrap over counties",
    "n": 7160,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the most deprived tenth of tracts ranked by Area Deprivation Index, among the tracts with all four rankings",
    "source": "hmda",
    "unit": "Denied share of decided applications (%)",
    "value": 13.7451,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "alt_adi_rho": {
    "display": "+0.95",
    "estimand": "Spearman rank correlation between bin order and bin mean, each bin counted once",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the bins of tracts ranked by Area Deprivation Index",
    "source": "hmda",
    "unit": "rank correlation",
    "value": 0.951515,
    "weights": "each bin counted once"
  },
  "alt_degree_least": {
    "ci": [
      6.4,
      7.4
    ],
    "ciLevel": 0.95,
    "display": "6.8%",
    "estimand": "pooled denial rate (denied applications divided by applications originated or denied, summed over the tracts); 95% intervals from a bootstrap over counties",
    "n": 7116,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the least deprived tenth of tracts ranked by Bachelor's degree share, among the tracts with all four rankings",
    "source": "hmda",
    "unit": "Denied share of decided applications (%)",
    "value": 6.83683,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "alt_degree_most": {
    "ci": [
      12.8,
      13.8
    ],
    "ciLevel": 0.95,
    "display": "13.2%",
    "estimand": "pooled denial rate (denied applications divided by applications originated or denied, summed over the tracts); 95% intervals from a bootstrap over counties",
    "n": 7119,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the most deprived tenth of tracts ranked by Bachelor's degree share, among the tracts with all four rankings",
    "source": "hmda",
    "unit": "Denied share of decided applications (%)",
    "value": 13.2316,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "alt_degree_rho": {
    "display": "+1.00",
    "estimand": "Spearman rank correlation between bin order and bin mean, each bin counted once",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the bins of tracts ranked by Bachelor's degree share",
    "source": "hmda",
    "unit": "rank correlation",
    "value": 1,
    "weights": "each bin counted once"
  },
  "alt_income_least": {
    "ci": [
      6.6,
      7.4
    ],
    "ciLevel": 0.95,
    "display": "7.0%",
    "estimand": "pooled denial rate (denied applications divided by applications originated or denied, summed over the tracts); 95% intervals from a bootstrap over counties",
    "n": 7116,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the least deprived tenth of tracts ranked by Median household income, among the tracts with all four rankings",
    "source": "hmda",
    "unit": "Denied share of decided applications (%)",
    "value": 7.00697,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "alt_income_most": {
    "ci": [
      13.2,
      14.5
    ],
    "ciLevel": 0.95,
    "display": "13.8%",
    "estimand": "pooled denial rate (denied applications divided by applications originated or denied, summed over the tracts); 95% intervals from a bootstrap over counties",
    "n": 7117,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the most deprived tenth of tracts ranked by Median household income, among the tracts with all four rankings",
    "source": "hmda",
    "unit": "Denied share of decided applications (%)",
    "value": 13.8018,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "alt_income_rho": {
    "display": "+1.00",
    "estimand": "Spearman rank correlation between bin order and bin mean, each bin counted once",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the bins of tracts ranked by Median household income",
    "source": "hmda",
    "unit": "rank correlation",
    "value": 1,
    "weights": "each bin counted once"
  },
  "alt_n_places": {
    "display": "71,169",
    "estimand": "count of tracts in the common sample of the ranking comparison",
    "note": "",
    "period": "applications decided in 2024",
    "population": "tracts with the outcome and all four rankings",
    "source": "hmda",
    "unit": "tracts",
    "value": 71169,
    "weights": "none (full count)"
  },
  "alt_rho_cut": {
    "display": "0.9",
    "estimand": "threshold between a steady and an uneven gradient",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the rule for changed gradients (docs/RANKING_SWITCH_RULE.md)",
    "source": "hmda",
    "unit": "absolute rank correlation",
    "value": 0.9,
    "weights": "none (a fixed rule)"
  },
  "alt_rho_margin": {
    "display": "0.1",
    "estimand": "smallest move in the rank correlation that counts as a change of shape",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the rule for changed gradients (docs/RANKING_SWITCH_RULE.md)",
    "source": "hmda",
    "unit": "absolute rank correlation",
    "value": 0.1,
    "weights": "none (a fixed rule)"
  },
  "alt_std_least": {
    "ci": [
      6.6,
      7.4
    ],
    "ciLevel": 0.95,
    "display": "7.0%",
    "estimand": "pooled denial rate (denied applications divided by applications originated or denied, summed over the tracts); 95% intervals from a bootstrap over counties",
    "n": 7116,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the least deprived tenth of tracts ranked by Standardized index, among the tracts with all four rankings",
    "source": "hmda",
    "unit": "Denied share of decided applications (%)",
    "value": 7.00524,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "alt_std_most": {
    "ci": [
      14.1,
      15.5
    ],
    "ciLevel": 0.95,
    "display": "14.8%",
    "estimand": "pooled denial rate (denied applications divided by applications originated or denied, summed over the tracts); 95% intervals from a bootstrap over counties",
    "n": 7117,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the most deprived tenth of tracts ranked by Standardized index, among the tracts with all four rankings",
    "source": "hmda",
    "unit": "Denied share of decided applications (%)",
    "value": 14.7838,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "alt_std_rho": {
    "display": "+1.00",
    "estimand": "Spearman rank correlation between bin order and bin mean, each bin counted once",
    "note": "",
    "period": "applications decided in 2024",
    "population": "the bins of tracts ranked by Standardized index",
    "source": "hmda",
    "unit": "rank correlation",
    "value": 1,
    "weights": "each bin counted once"
  },
  "cloud_floor": {
    "display": "30",
    "estimand": "the number of decided applications a tract needs to be a dot in the scatter (a rule of this chapter)",
    "note": "",
    "period": "2024",
    "population": "a tract in the scatter of tract rates",
    "source": "hmda",
    "unit": "decided applications",
    "value": 30,
    "weights": "none (definition)"
  },
  "cook_bottom_graded": {
    "display": "57.7%",
    "estimand": "share of the tracts that have a HOLC grade",
    "n": 182,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "Cook County tracts in the bottom fifth of shaded tracts by denial rate",
    "source": "hmda",
    "unit": "percent of tracts that are graded",
    "value": 57.6923,
    "weights": "none (each tract counts once)"
  },
  "cook_floor": {
    "display": "20",
    "estimand": "the number of decided applications a tract needs to be shaded (a rule of this chapter)",
    "note": "",
    "period": "applications decided in 2024",
    "population": "a Cook County tract on the map",
    "source": "hmda",
    "unit": "decided applications",
    "value": 20,
    "weights": "none (definition)"
  },
  "cook_graded_diff": {
    "ci": [
      -14.8,
      5.6
    ],
    "ciLevel": 0.95,
    "display": "−4.7",
    "estimand": "share graded in the top fifth minus the share graded in the bottom fifth, bootstrap over tracts",
    "n": 365,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "Cook County tracts in the top fifth minus the bottom fifth of shaded tracts by denial rate",
    "source": "hmda",
    "unit": "percentage points of tracts graded",
    "value": -4.68684,
    "weights": "none (each tract counts once)"
  },
  "cook_n_graded": {
    "display": "759",
    "estimand": "count of Cook County tracts with a grade (all in Chicago)",
    "note": "",
    "period": "HOLC maps drawn 1935 to 1940",
    "population": "Cook County tracts covered at least half by graded HOLC polygons",
    "source": "holc",
    "unit": "tracts",
    "value": 759,
    "weights": "none (full count)"
  },
  "cook_n_gray": {
    "display": "417",
    "estimand": "count of tracts drawn as no data on the denial-rate view",
    "note": "",
    "period": "applications decided in 2024",
    "population": "Cook County tracts without a shaded denial rate",
    "source": "hmda",
    "unit": "tracts",
    "value": 417,
    "weights": "none (full count)"
  },
  "cook_n_shaded": {
    "display": "914",
    "estimand": "count of tracts shaded on the map",
    "note": "",
    "period": "applications decided in 2024",
    "population": "Cook County tracts with at least 20 decided home-purchase applications",
    "source": "hmda",
    "unit": "tracts",
    "value": 914,
    "weights": "none (full count)"
  },
  "cook_n_tracts": {
    "display": "1,331",
    "estimand": "count of tracts on the Cook County map",
    "note": "",
    "period": "2020 tracts",
    "population": "census tracts of Cook County, Illinois",
    "source": "census-tiger",
    "unit": "tracts",
    "value": 1331,
    "weights": "none (full count)"
  },
  "cook_rate_a": {
    "ci": [
      2.5,
      8.9
    ],
    "ciLevel": 0.95,
    "display": "5.4%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), tract-cluster bootstrap interval",
    "n": 11,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in shaded Cook County tracts graded A on the 1930s Chicago map",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 5.39957,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "cook_rate_b": {
    "ci": [
      10.1,
      14.8
    ],
    "ciLevel": 0.95,
    "display": "12.3%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), tract-cluster bootstrap interval",
    "n": 61,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in shaded Cook County tracts graded B on the 1930s Chicago map",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 12.333,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "cook_rate_c": {
    "ci": [
      10,
      12
    ],
    "ciLevel": 0.95,
    "display": "11.0%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), tract-cluster bootstrap interval",
    "n": 256,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in shaded Cook County tracts graded C on the 1930s Chicago map",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 11.0397,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "cook_rate_d": {
    "ci": [
      8.4,
      11.3
    ],
    "ciLevel": 0.95,
    "display": "9.8%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), tract-cluster bootstrap interval",
    "n": 107,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in shaded Cook County tracts graded D on the 1930s Chicago map",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 9.84574,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "cook_rate_none": {
    "ci": [
      10.8,
      12.1
    ],
    "ciLevel": 0.95,
    "display": "11.4%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), tract-cluster bootstrap interval",
    "n": 479,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in shaded Cook County tracts with no grade (outside the area the Chicago map graded, or covered less than halfway)",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 11.421,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "cook_top_graded": {
    "display": "53.0%",
    "estimand": "share of the tracts that have a HOLC grade",
    "n": 183,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "Cook County tracts in the top fifth of shaded tracts by denial rate",
    "source": "hmda",
    "unit": "percent of tracts that are graded",
    "value": 53.0055,
    "weights": "none (each tract counts once)"
  },
  "cook_tracts_a": {
    "display": "11",
    "estimand": "count of tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "shaded Cook County tracts graded A on the 1930s Chicago map",
    "source": "hmda",
    "unit": "tracts",
    "value": 11,
    "weights": "none (full count)"
  },
  "gap_asian": {
    "ci": [
      2.8,
      3.6
    ],
    "ciLevel": 0.95,
    "display": "3.2",
    "estimand": "pooled denial rate of the group minus that of non-Hispanic white applicants over the same tracts, county-cluster bootstrap interval",
    "n": 5490,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Asian applicants minus non-Hispanic white applicants, applicants whose home-purchase application was decided in 2024, in the tracts where the cells for non-Hispanic Asian and non-Hispanic white applicants are both published",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 3.20533,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "gap_black": {
    "ci": [
      9.5,
      10.4
    ],
    "ciLevel": 0.95,
    "display": "10.0",
    "estimand": "pooled denial rate of the group minus that of non-Hispanic white applicants over the same tracts, county-cluster bootstrap interval",
    "n": 5657,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black applicants minus non-Hispanic white applicants, applicants whose home-purchase application was decided in 2024, in the tracts where the cells for non-Hispanic Black and non-Hispanic white applicants are both published",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 9.97248,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "gap_black_ge10": {
    "ci": [
      9.5,
      10.6
    ],
    "ciLevel": 0.95,
    "display": "10.0",
    "estimand": "pooled denial rate of Black applicants minus that of white applicants over the same tracts, county-cluster bootstrap interval",
    "n": 3848,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black minus non-Hispanic white applicants decided in 2024, in tracts where both groups have at least 10 decided applications",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 10.0375,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "gap_black_ge30": {
    "ci": [
      10.1,
      11.6
    ],
    "ciLevel": 0.95,
    "display": "10.8",
    "estimand": "pooled denial rate of Black applicants minus that of white applicants over the same tracts, county-cluster bootstrap interval",
    "n": 521,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black minus non-Hispanic white applicants decided in 2024, in tracts where both groups have at least 30 decided applications",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 10.8376,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "gap_black_own": {
    "ci": [
      9.9,
      11.2
    ],
    "ciLevel": 0.95,
    "display": "10.5",
    "estimand": "pooled denial rate of non-Hispanic Black applicants minus that of non-Hispanic white applicants, each over its own tracts, county-cluster bootstrap interval",
    "n": 8232,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black applicants minus non-Hispanic white applicants whose home-purchase application was decided in 2024, each group over the tracts where its own cell is published",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 10.5498,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "gap_d10_d1": {
    "ci": [
      5.2,
      6.8
    ],
    "ciLevel": 0.95,
    "display": "6.0",
    "estimand": "pooled denial rate of the most deprived tenth minus that of the comparison tenth, county-cluster bootstrap interval",
    "n": 3027,
    "nUnit": "counties",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in the most deprived tenth of tracts minus those in the least deprived tenth",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 5.99778,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "gap_d10_d3": {
    "ci": [
      5.6,
      6.8
    ],
    "ciLevel": 0.95,
    "display": "6.2",
    "estimand": "pooled denial rate of the most deprived tenth minus that of the comparison tenth, county-cluster bootstrap interval",
    "n": 3027,
    "nUnit": "counties",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in the most deprived tenth of tracts minus those in the third least deprived tenth",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 6.18043,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "gap_dec_max": {
    "display": "10.4",
    "estimand": "largest over the ten tenths of the same-tract gap in pooled denial rates",
    "n": 10,
    "nUnit": "tenths of tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black minus non-Hispanic white applicants decided in 2024, in the tracts of one tenth where both cells are published",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 10.4455,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "gap_dec_min": {
    "display": "8.6",
    "estimand": "smallest over the ten tenths of the same-tract gap in pooled denial rates",
    "n": 10,
    "nUnit": "tenths of tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black minus non-Hispanic white applicants decided in 2024, in the tracts of one tenth where both cells are published",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 8.60662,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "gap_hispanic": {
    "ci": [
      5.9,
      6.9
    ],
    "ciLevel": 0.95,
    "display": "6.4",
    "estimand": "pooled denial rate of the group minus that of non-Hispanic white applicants over the same tracts, county-cluster bootstrap interval",
    "n": 10189,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "Hispanic (any race) applicants minus non-Hispanic white applicants, applicants whose home-purchase application was decided in 2024, in the tracts where the cells for Hispanic (any race) and non-Hispanic white applicants are both published",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 6.36568,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "gap_inc_max": {
    "display": "10.3",
    "estimand": "largest over the five fifths of the same-tract gap in pooled denial rates",
    "n": 5,
    "nUnit": "fifths of tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black minus non-Hispanic white applicants decided in 2024, in the tracts of one fifth by median applicant income where both cells are published",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 10.3044,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "gap_inc_min": {
    "display": "9.1",
    "estimand": "smallest over the five fifths of the same-tract gap in pooled denial rates",
    "n": 5,
    "nUnit": "fifths of tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black minus non-Hispanic white applicants decided in 2024, in the tracts of one fifth by median applicant income where both cells are published",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 9.12,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "gap_slope_fifth": {
    "ci": [
      -0.33,
      0.2
    ],
    "ciLevel": 0.95,
    "display": "−0.06",
    "estimand": "least-squares slope of the five same-tract gaps on the fifth number, recomputed in every county bootstrap draw",
    "n": 5,
    "nUnit": "fifths of tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black minus non-Hispanic white applicants decided in 2024, in the tracts of each fifth by median applicant income where both cells are published",
    "source": "hmda",
    "unit": "percentage points of denial rate per fifth",
    "value": -0.055905,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "gap_slope_tenth": {
    "ci": [
      -0.22,
      0.21
    ],
    "ciLevel": 0.95,
    "display": "0.00",
    "estimand": "least-squares slope of the ten same-tract gaps on the tenth number, recomputed in every county bootstrap draw",
    "n": 10,
    "nUnit": "tenths of tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black minus non-Hispanic white applicants decided in 2024, in the tracts of each tenth where both cells are published",
    "source": "hmda",
    "unit": "percentage points of denial rate per tenth",
    "value": -0.000172935,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "hanson_credit_points": {
    "display": "71",
    "estimand": "the authors' comparison of the effect of a Black-signaling name on the originator's response with the effect of a lower stated credit score (Hanson, Hawley, Martin and Liu 2016; email correspondence experiment); copied from the paper's abstract and not computed in this build",
    "note": "A published estimate, not a result of this build.",
    "period": "as reported in the paper",
    "population": "licensed mortgage loan originators who received email inquiries from prospective borrowers with names that signal a Black or a white sender",
    "source": "published-estimates",
    "unit": "points of credit score",
    "value": 71,
    "weights": "as in the paper"
  },
  "holc_bh_a": {
    "ci": [
      5,
      11
    ],
    "ciLevel": 0.95,
    "display": "7.8%",
    "estimand": "decided applications in the published Black and Hispanic cells divided by decided applications of all applicants, summed over the tracts, county-cluster bootstrap interval",
    "n": 650,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts graded A, the share from published non-Hispanic Black and Hispanic cells (a lower bound, because withheld cells are not counted)",
    "source": "hmda",
    "unit": "percent of decided applications",
    "value": 7.77032,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_bh_d": {
    "ci": [
      11.2,
      18.9
    ],
    "ciLevel": 0.95,
    "display": "15.0%",
    "estimand": "decided applications in the published Black and Hispanic cells divided by decided applications of all applicants, summed over the tracts, county-cluster bootstrap interval",
    "n": 2087,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts graded D, the share from published non-Hispanic Black and Hispanic cells (a lower bound, because withheld cells are not counted)",
    "source": "hmda",
    "unit": "percent of decided applications",
    "value": 15.0228,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_cover_min": {
    "display": "50%",
    "estimand": "the share of a tract that graded polygons must cover for the tract to take a grade (a rule of this chapter, the same as the chapter on home value, income and redlining)",
    "note": "",
    "period": "HOLC maps drawn 1935 to 1940",
    "population": "a tract matched to HOLC polygons",
    "source": "holc",
    "unit": "percent of a tract's area",
    "value": 50,
    "weights": "none (definition)"
  },
  "holc_cover_strict": {
    "display": "90%",
    "estimand": "the stricter share of a tract that graded polygons must cover, used to show how the grade D minus grade A gap moves with the matching rule",
    "note": "",
    "period": "HOLC maps drawn 1935 to 1940",
    "population": "a tract matched to HOLC polygons",
    "source": "holc",
    "unit": "percent of a tract's area",
    "value": 90,
    "weights": "none (definition)"
  },
  "holc_dgap_black": {
    "ci": [
      -5.5,
      6
    ],
    "ciLevel": 0.95,
    "display": "0.1",
    "estimand": "pooled denial rate in grade D tracts minus that in grade A tracts, county-cluster bootstrap interval",
    "n": 315,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black applicants whose home-purchase application was decided in 2024, in tracts graded D minus those in tracts graded A, each over the tracts where the cell for the group is published",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 0.088167,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_dgap_hispanic": {
    "ci": [
      -7.7,
      4.4
    ],
    "ciLevel": 0.95,
    "display": "−1.3",
    "estimand": "pooled denial rate in grade D tracts minus that in grade A tracts, county-cluster bootstrap interval",
    "n": 391,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "Hispanic (any race) applicants whose home-purchase application was decided in 2024, in tracts graded D minus those in tracts graded A, each over the tracts where the cell for the group is published",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": -1.25822,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_dgap_wb": {
    "ci": [
      -5,
      7.4
    ],
    "ciLevel": 0.95,
    "display": "1.3",
    "estimand": "difference between the two grade D minus grade A pooled-rate gaps, county-cluster bootstrap interval",
    "n": 315,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic white minus non-Hispanic Black applicants decided in 2024: the grade D minus grade A gap of white applicants minus that of Black applicants",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 1.26456,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_dgap_white": {
    "ci": [
      0.2,
      2.8
    ],
    "ciLevel": 0.95,
    "display": "1.4",
    "estimand": "pooled denial rate in grade D tracts minus that in grade A tracts, county-cluster bootstrap interval",
    "n": 1365,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic white applicants whose home-purchase application was decided in 2024, in tracts graded D minus those in tracts graded A, each over the tracts where the cell for the group is published",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 1.35273,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_gap_b_adi": {
    "ci": [
      -0.9,
      0.5
    ],
    "ciLevel": 0.95,
    "display": "−0.2",
    "estimand": "coefficient on grade B in a regression of the tract denial rate on grade with a separate baseline for each city and tenth cell, weighted by decided applications, errors clustered by county",
    "n": 8748,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts graded B minus those in tracts graded A, among tracts of the same city and the same tenth of the Area Deprivation Index",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": -0.213335,
    "weights": "decided applications"
  },
  "holc_gap_c_adi": {
    "ci": [
      -1.3,
      0.6
    ],
    "ciLevel": 0.95,
    "display": "−0.4",
    "estimand": "coefficient on grade C in a regression of the tract denial rate on grade with a separate baseline for each city and tenth cell, weighted by decided applications, errors clustered by county",
    "n": 8748,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts graded C minus those in tracts graded A, among tracts of the same city and the same tenth of the Area Deprivation Index",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": -0.362942,
    "weights": "decided applications"
  },
  "holc_gap_d_adi": {
    "ci": [
      -1.1,
      1.1
    ],
    "ciLevel": 0.95,
    "display": "0.0",
    "estimand": "coefficient on grade D in a regression of the tract denial rate on grade (A is the base) with a separate baseline for each city and tenth cell, weighted by decided applications, errors clustered by county",
    "n": 8748,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts graded D minus those in tracts graded A, among tracts of the same city and the same tenth of the Area Deprivation Index (a separate baseline for each city and tenth cell)",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 0.00991318,
    "weights": "decided applications"
  },
  "holc_gap_d_city": {
    "ci": [
      2.1,
      4.8
    ],
    "ciLevel": 0.95,
    "display": "3.5",
    "estimand": "coefficient on grade D in a regression of the tract denial rate on grade (A is the base) with a separate baseline for each city, weighted by decided applications, errors clustered by county",
    "n": 8748,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts graded D minus those in tracts graded A, among tracts of the same city",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 3.49006,
    "weights": "decided applications"
  },
  "holc_gap_d_raw": {
    "ci": [
      2.1,
      4.7
    ],
    "ciLevel": 0.95,
    "display": "3.4",
    "estimand": "coefficient on grade D in a regression of the tract denial rate on grade (A is the base), weighted by decided applications, errors clustered by county",
    "n": 8748,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts graded D minus those in tracts graded A, with no adjustment",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 3.41645,
    "weights": "decided applications"
  },
  "holc_gap_d_strict": {
    "ci": [
      1,
      4.6
    ],
    "ciLevel": 0.95,
    "display": "2.8",
    "estimand": "pooled denial rate of grade D tracts minus that of grade A tracts, county-cluster bootstrap interval",
    "n": 4736,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts graded D minus those in tracts graded A, among tracts at least 90 percent covered by graded polygons",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 2.84876,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_gap_dc": {
    "ci": [
      -0.6,
      1.5
    ],
    "ciLevel": 0.95,
    "display": "0.4",
    "estimand": "pooled denial rate of grade D tracts minus that of grade C tracts, county-cluster bootstrap interval",
    "n": 6095,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts graded D minus those in tracts graded C",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 0.408409,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_min_group_tracts": {
    "display": "30",
    "estimand": "the number of tracts a grade and group point needs to be drawn (a rule of this chapter)",
    "note": "",
    "period": "2024",
    "population": "a grade and applicant group point in the HOLC comparison",
    "source": "hmda",
    "unit": "tracts",
    "value": 30,
    "weights": "none (definition)"
  },
  "holc_n_cells": {
    "display": "1,008",
    "estimand": "count of distinct (city, tenth of the deprivation index) cells that carry a baseline in the third adjustment",
    "note": "",
    "period": "2024",
    "population": "graded tracts with a published home-purchase cell and a deprivation rank",
    "source": "hmda",
    "unit": "city and tenth cells",
    "value": 1008,
    "weights": "none (full count)"
  },
  "holc_n_cities": {
    "display": "221",
    "estimand": "count of distinct (city, state) pairs of the polygon covering most of each tract",
    "note": "",
    "period": "HOLC maps drawn 1935 to 1940",
    "population": "graded tracts with a published home-purchase cell",
    "source": "holc",
    "unit": "city and state pairs",
    "value": 221,
    "weights": "none (full count)"
  },
  "holc_n_graded": {
    "display": "10,967",
    "estimand": "count of tracts whose area is at least half covered by polygons graded A to D",
    "note": "",
    "period": "HOLC maps drawn 1935 to 1940",
    "population": "2020 census tracts covered at least half by graded HOLC polygons",
    "source": "holc",
    "unit": "tracts",
    "value": 10967,
    "weights": "none (full count)"
  },
  "holc_n_published": {
    "display": "8,748",
    "estimand": "count of graded tracts in the HMDA analysis",
    "note": "",
    "period": "2024",
    "population": "graded tracts of the 50 states and DC with a published home-purchase cell and a deprivation rank",
    "source": "hmda",
    "unit": "tracts",
    "value": 8748,
    "weights": "none (full count)"
  },
  "holc_rate_a": {
    "ci": [
      7,
      9
    ],
    "ciLevel": 0.95,
    "display": "7.9%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 650,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts graded A on the 1930s HOLC maps",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 7.90647,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_rate_b": {
    "ci": [
      8.5,
      10.3
    ],
    "ciLevel": 0.95,
    "display": "9.4%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 2003,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts graded B on the 1930s HOLC maps",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 9.37256,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_rate_c": {
    "ci": [
      10,
      11.8
    ],
    "ciLevel": 0.95,
    "display": "10.9%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 4008,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts graded C on the 1930s HOLC maps",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 10.9145,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_rate_d": {
    "ci": [
      10.2,
      12.5
    ],
    "ciLevel": 0.95,
    "display": "11.3%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 2087,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts graded D on the 1930s HOLC maps",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 11.3229,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_rate_graded": {
    "ci": [
      9.5,
      11.1
    ],
    "ciLevel": 0.95,
    "display": "10.3%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 8748,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in graded tracts",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 10.3168,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_rate_other": {
    "ci": [
      8.6,
      9.2
    ],
    "ciLevel": 0.95,
    "display": "8.9%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 67230,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in tracts that are not graded",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 8.88337,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "holc_share_decided": {
    "display": "7.3%",
    "estimand": "decided applications in graded tracts divided by decided applications in all tracts of the analysis",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications that a covered lender originated or denied in 2024, first-lien loans on site-built homes with up to four units that applicants intend as a principal residence, in tracts of the 50 states and DC with a published cell",
    "source": "hmda",
    "unit": "percent of decided applications",
    "value": 7.3395,
    "weights": "none (full counts)"
  },
  "income_d1": {
    "ci": [
      266,
      292
    ],
    "ciLevel": 0.95,
    "display": "$279 thousand",
    "estimand": "mean over tracts of the tract's median income reported on the applications, weighted by decided applications, county-cluster bootstrap interval",
    "n": 7584,
    "nUnit": "tracts",
    "note": "",
    "period": "applications in 2024",
    "population": "tracts in the least deprived tenth with a published home-purchase cell",
    "source": "hmda",
    "unit": "thousands of dollars, median applicant income in the tract",
    "value": 279.126,
    "weights": "decided applications"
  },
  "income_d10": {
    "ci": [
      63,
      65
    ],
    "ciLevel": 0.95,
    "display": "$64 thousand",
    "estimand": "mean over tracts of the tract's median income reported on the applications, weighted by decided applications, county-cluster bootstrap interval",
    "n": 7591,
    "nUnit": "tracts",
    "note": "",
    "period": "applications in 2024",
    "population": "tracts in the most deprived tenth with a published home-purchase cell",
    "source": "hmda",
    "unit": "thousands of dollars, median applicant income in the tract",
    "value": 63.9121,
    "weights": "decided applications"
  },
  "income_fifth_hi": {
    "display": "$125 thousand",
    "estimand": "lowest tract median applicant income in the highest fifth",
    "n": 1135,
    "nUnit": "tracts",
    "note": "",
    "period": "applications in 2024",
    "population": "tracts in the highest fifth by median applicant income among tracts where both Black and white cells are published",
    "source": "hmda",
    "unit": "thousands of dollars, median applicant income in the tract",
    "value": 125,
    "weights": "none (a boundary of the fifth)"
  },
  "income_fifth_lo": {
    "display": "$74 thousand",
    "estimand": "highest tract median applicant income in the lowest fifth",
    "n": 1124,
    "nUnit": "tracts",
    "note": "",
    "period": "applications in 2024",
    "population": "tracts in the lowest fifth by median applicant income among tracts where both Black and white cells are published",
    "source": "hmda",
    "unit": "thousands of dollars, median applicant income in the tract",
    "value": 74,
    "weights": "none (a boundary of the fifth)"
  },
  "loan_d1": {
    "ci": [
      774,
      879
    ],
    "ciLevel": 0.95,
    "display": "$827 thousand",
    "estimand": "mean over tracts of the tract's median loan amount (HMDA rounds to the nearest $10,000), weighted by decided applications, county-cluster bootstrap interval",
    "n": 7584,
    "nUnit": "tracts",
    "note": "",
    "period": "applications in 2024",
    "population": "tracts in the least deprived tenth with a published home-purchase cell",
    "source": "hmda",
    "unit": "thousands of dollars, median loan amount in the tract",
    "value": 827.376,
    "weights": "decided applications"
  },
  "loan_d10": {
    "ci": [
      158,
      167
    ],
    "ciLevel": 0.95,
    "display": "$162 thousand",
    "estimand": "mean over tracts of the tract's median loan amount (HMDA rounds to the nearest $10,000), weighted by decided applications, county-cluster bootstrap interval",
    "n": 7591,
    "nUnit": "tracts",
    "note": "",
    "period": "applications in 2024",
    "population": "tracts in the most deprived tenth with a published home-purchase cell",
    "source": "hmda",
    "unit": "thousands of dollars, median loan amount in the tract",
    "value": 162.405,
    "weights": "decided applications"
  },
  "median_decided": {
    "display": "31",
    "estimand": "median over tracts of the originated plus denied applications",
    "n": 76072,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications that a covered lender originated or denied in 2024, first-lien loans on site-built homes with up to four units that applicants intend as a principal residence, in tracts of the 50 states and DC with a published cell",
    "source": "hmda",
    "unit": "decided applications per tract",
    "value": 31,
    "weights": "none (each tract counts once)"
  },
  "min_point_tracts": {
    "display": "100",
    "estimand": "the number of tracts a point needs to be drawn (a rule of this chapter)",
    "note": "",
    "period": "2024",
    "population": "a point on the lines by applicant group",
    "source": "hmda",
    "unit": "tracts",
    "value": 100,
    "weights": "none (definition)"
  },
  "n_cloud": {
    "display": "2,000",
    "estimand": "size of a random sample drawn with a fixed seed",
    "note": "",
    "period": "2024",
    "population": "tracts with at least 30 decided home-purchase applications",
    "source": "hmda",
    "unit": "tracts",
    "value": 2000,
    "weights": "none (sample size)"
  },
  "n_cloud_pool": {
    "display": "39,697",
    "estimand": "count of tracts the sample is drawn from",
    "note": "",
    "period": "2024",
    "population": "tracts with a deprivation rank and at least 30 decided home-purchase applications",
    "source": "hmda",
    "unit": "tracts",
    "value": 39697,
    "weights": "none (full count)"
  },
  "n_decided": {
    "display": "3,097,390",
    "estimand": "originated plus denied applications summed over the tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications that a covered lender originated or denied in 2024, first-lien loans on site-built homes with up to four units that applicants intend as a principal residence, in tracts of the 50 states and DC with a published cell",
    "source": "hmda",
    "unit": "applications",
    "value": 3097390,
    "weights": "none (full count)"
  },
  "n_denied": {
    "display": "278,451",
    "estimand": "denied applications summed over the tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications that a covered lender originated or denied in 2024, first-lien loans on site-built homes with up to four units that applicants intend as a principal residence, in tracts of the 50 states and DC with a published cell",
    "source": "hmda",
    "unit": "applications",
    "value": 278451,
    "weights": "none (full count)"
  },
  "n_lt10": {
    "display": "4,865",
    "estimand": "count of tracts with fewer than 10 decided applications (the staged floor counts applications of every action taken)",
    "note": "",
    "period": "applications decided in 2024",
    "population": "tracts of the 50 states and DC with a published home-purchase cell",
    "source": "hmda",
    "unit": "tracts",
    "value": 4865,
    "weights": "none (full count)"
  },
  "n_no_adi": {
    "display": "94",
    "estimand": "count of tracts with no deprivation rank, left out of the figures that rank tracts",
    "note": "",
    "period": "2024",
    "population": "tracts with a published home-purchase cell",
    "source": "adi",
    "unit": "tracts",
    "value": 94,
    "weights": "none (full count)"
  },
  "n_pr_published": {
    "display": "637",
    "estimand": "count of Puerto Rico tracts set aside",
    "note": "",
    "period": "2024",
    "population": "Puerto Rico tracts with a published home-purchase cell for all applicants",
    "source": "hmda",
    "unit": "tracts",
    "value": 637,
    "weights": "none (full count)"
  },
  "n_shared_asian": {
    "display": "5,490",
    "estimand": "count of tracts where the cells for non-Hispanic Asian and non-Hispanic white applicants are both published",
    "note": "",
    "period": "2024",
    "population": "tracts of the 50 states and DC",
    "source": "hmda",
    "unit": "tracts",
    "value": 5490,
    "weights": "none (full count)"
  },
  "n_shared_black": {
    "display": "5,657",
    "estimand": "count of tracts where the cells for non-Hispanic Black and non-Hispanic white applicants are both published",
    "note": "",
    "period": "2024",
    "population": "tracts of the 50 states and DC",
    "source": "hmda",
    "unit": "tracts",
    "value": 5657,
    "weights": "none (full count)"
  },
  "n_shared_hispanic": {
    "display": "10,189",
    "estimand": "count of tracts where the cells for Hispanic (any race) and non-Hispanic white applicants are both published",
    "note": "",
    "period": "2024",
    "population": "tracts of the 50 states and DC",
    "source": "hmda",
    "unit": "tracts",
    "value": 10189,
    "weights": "none (full count)"
  },
  "n_tracts": {
    "display": "76,072",
    "estimand": "count of tracts whose all-applicant home-purchase cell has 10 or more applications and a decided application",
    "note": "",
    "period": "2024",
    "population": "tracts of the 50 states and DC with a published home-purchase cell for all applicants",
    "source": "hmda",
    "unit": "tracts",
    "value": 76072,
    "weights": "none (full count)"
  },
  "n_tracts_adi": {
    "display": "75,978",
    "estimand": "count of tracts ranked into tenths",
    "note": "",
    "period": "2024",
    "population": "tracts with a published home-purchase cell and an Area Deprivation Index rank",
    "source": "hmda",
    "unit": "tracts",
    "value": 75978,
    "weights": "none (full count)"
  },
  "n_withheld": {
    "display": "5,999",
    "estimand": "count of tracts whose all-applicant cell has fewer than 10 applications and is set to missing when the file is staged",
    "note": "",
    "period": "2024",
    "population": "tracts of the 50 states and DC with a home-purchase row in the HMDA file",
    "source": "hmda",
    "unit": "tracts",
    "value": 5999,
    "weights": "none (full count)"
  },
  "pr_decided": {
    "display": "11,409",
    "estimand": "originated plus denied applications summed over the tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in Puerto Rico tracts with a published cell",
    "source": "hmda",
    "unit": "applications",
    "value": 11409,
    "weights": "none (full count)"
  },
  "pr_rate": {
    "ci": [
      18.3,
      20
    ],
    "ciLevel": 0.95,
    "display": "19.1%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), municipio-cluster bootstrap interval",
    "n": 637,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in Puerto Rico tracts with a published cell, first-lien loans on site-built homes with up to four units that applicants intend as a principal residence",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 19.1253,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "pr_shift_all": {
    "display": "0.04",
    "estimand": "pooled denial rate with Puerto Rico tracts added minus the rate without them",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024, all tracts with a published cell, with Puerto Rico minus without",
    "source": "hmda",
    "unit": "percentage points of denial rate",
    "value": 0.0371959,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "pr_top_share": {
    "display": "69%",
    "estimand": "share at or above the national rank where the most deprived tenth of the 50-state and DC sample starts",
    "note": "",
    "period": "ADI 2023",
    "population": "Puerto Rico tracts with a published cell and a deprivation rank",
    "source": "adi",
    "unit": "percent of ranked Puerto Rico tracts",
    "value": 68.7107,
    "weights": "none (each tract counts once)"
  },
  "rate_all": {
    "ci": [
      8.7,
      9.3
    ],
    "ciLevel": 0.95,
    "display": "9.0%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 76072,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications that a covered lender originated or denied in 2024, first-lien loans on site-built homes with up to four units that applicants intend as a principal residence, in tracts of the 50 states and DC with a published cell",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 8.98986,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_all_ge30": {
    "ci": [
      8.2,
      8.8
    ],
    "ciLevel": 0.95,
    "display": "8.5%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 39714,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications that a covered lender originated or denied in 2024, first-lien loans on site-built homes with up to four units that applicants intend as a principal residence, in tracts of the 50 states and DC with a published cell, tracts with at least 30 decided applications",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 8.52387,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_asian": {
    "ci": [
      8.4,
      9.4
    ],
    "ciLevel": 0.95,
    "display": "8.9%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 7532,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Asian applicants whose home-purchase application was decided in 2024, in tracts where the cell for the group is published (10 or more applications)",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 8.85772,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_asian_d1": {
    "ci": [
      7.3,
      8.7
    ],
    "ciLevel": 0.95,
    "display": "7.8%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 2241,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Asian applicants whose home-purchase application was decided in 2024, in the tract tenth numbered 1 by Area Deprivation Index (1 = least deprived) where the cell is published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 7.84327,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_asian_d8": {
    "ci": [
      11,
      14.5
    ],
    "ciLevel": 0.95,
    "display": "12.9%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 103,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Asian applicants whose home-purchase application was decided in 2024, in the tract tenth numbered 8 by Area Deprivation Index (1 = least deprived) where the cell is published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 12.8517,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_black": {
    "ci": [
      16.4,
      17.7
    ],
    "ciLevel": 0.95,
    "display": "17.0%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 8232,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black applicants whose home-purchase application was decided in 2024, in tracts where the cell for the group is published (10 or more applications)",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 17.0114,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_black_d10": {
    "ci": [
      19,
      21.6
    ],
    "ciLevel": 0.95,
    "display": "20.3%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 1081,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black applicants whose home-purchase application was decided in 2024, in the tract tenth numbered 10 by Area Deprivation Index (1 = least deprived) where the cell is published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 20.3003,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_black_d3": {
    "ci": [
      13.8,
      15.6
    ],
    "ciLevel": 0.95,
    "display": "14.6%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 633,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black applicants whose home-purchase application was decided in 2024, in the tract tenth numbered 3 by Area Deprivation Index (1 = least deprived) where the cell is published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 14.6411,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_cashout": {
    "ci": [
      35.3,
      36.4
    ],
    "ciLevel": 0.95,
    "display": "35.8%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 46525,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "cash-out refinance applications that a covered lender originated or denied in 2024, first-lien loans on site-built homes with up to four units that applicants intend as a principal residence, in tracts of the 50 states and DC with a published cell",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 35.8274,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_d1": {
    "ci": [
      7.2,
      8.4
    ],
    "ciLevel": 0.95,
    "display": "7.8%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 7584,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in the least deprived tenth of tracts by Area Deprivation Index national rank (tenths hold equal numbers of tracts)",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 7.81057,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_d10": {
    "ci": [
      13.3,
      14.3
    ],
    "ciLevel": 0.95,
    "display": "13.8%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 7591,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in the most deprived tenth of tracts by Area Deprivation Index national rank (tenths hold equal numbers of tracts)",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 13.8084,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_d10_with_pr": {
    "display": "14.1%",
    "estimand": "denied applications divided by originated or denied applications, summed over those tracts (a sensitivity, not a chapter estimate)",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in the most deprived tenth of the 50-state and DC tracts plus Puerto Rico tracts at or above the rank where that tenth starts",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 14.0957,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_d2": {
    "ci": [
      7.2,
      8.2
    ],
    "ciLevel": 0.95,
    "display": "7.7%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 7686,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in the second least deprived tenth of tracts by Area Deprivation Index national rank (tenths hold equal numbers of tracts)",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 7.69132,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_d3": {
    "ci": [
      7.3,
      8
    ],
    "ciLevel": 0.95,
    "display": "7.6%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 7429,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in the third least deprived tenth of tracts by Area Deprivation Index national rank (tenths hold equal numbers of tracts)",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 7.62792,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_hispanic": {
    "ci": [
      12.4,
      13.9
    ],
    "ciLevel": 0.95,
    "display": "13.1%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 16060,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "Hispanic (any race) applicants whose home-purchase application was decided in 2024, in tracts where the cell for the group is published (10 or more applications)",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 13.1291,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_hispanic_d10": {
    "ci": [
      12.9,
      15.7
    ],
    "ciLevel": 0.95,
    "display": "14.2%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 1045,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "Hispanic (any race) applicants whose home-purchase application was decided in 2024, in the tract tenth numbered 10 by Area Deprivation Index (1 = least deprived) where the cell is published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 14.1819,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_hispanic_d3": {
    "ci": [
      11.1,
      12.6
    ],
    "ciLevel": 0.95,
    "display": "11.8%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 1847,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "Hispanic (any race) applicants whose home-purchase application was decided in 2024, in the tract tenth numbered 3 by Area Deprivation Index (1 = least deprived) where the cell is published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 11.847,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_refi": {
    "ci": [
      20.2,
      21.2
    ],
    "ciLevel": 0.95,
    "display": "20.7%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 36779,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "refinance applications that a covered lender originated or denied in 2024, first-lien loans on site-built homes with up to four units that applicants intend as a principal residence, in tracts of the 50 states and DC with a published cell",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 20.7216,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_white": {
    "ci": [
      6.3,
      6.6
    ],
    "ciLevel": 0.95,
    "display": "6.5%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 56664,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic white applicants whose home-purchase application was decided in 2024, in tracts where the cell for the group is published (10 or more applications)",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 6.46162,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_white_d1": {
    "ci": [
      6,
      7.5
    ],
    "ciLevel": 0.95,
    "display": "6.7%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 4805,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic white applicants whose home-purchase application was decided in 2024, in the tract tenth numbered 1 by Area Deprivation Index (1 = least deprived) where the cell is published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 6.71531,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_white_d10": {
    "ci": [
      10.1,
      10.8
    ],
    "ciLevel": 0.95,
    "display": "10.4%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 4227,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic white applicants whose home-purchase application was decided in 2024, in the tract tenth numbered 10 by Area Deprivation Index (1 = least deprived) where the cell is published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 10.4253,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "rate_white_d3": {
    "ci": [
      5.2,
      5.6
    ],
    "ciLevel": 0.95,
    "display": "5.4%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 5868,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic white applicants whose home-purchase application was decided in 2024, in the tract tenth numbered 3 by Area Deprivation Index (1 = least deprived) where the cell is published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 5.40581,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "ratio_asian": {
    "ci": [
      1.5,
      1.7
    ],
    "ciLevel": 0.95,
    "display": "1.6",
    "estimand": "pooled denial rate of the group divided by that of non-Hispanic white applicants over the same tracts, county-cluster bootstrap interval",
    "n": 5490,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Asian applicants over non-Hispanic white applicants, applicants whose home-purchase application was decided in 2024, in the tracts where the cells for non-Hispanic Asian and non-Hispanic white applicants are both published",
    "source": "hmda",
    "unit": "ratio of denial rates",
    "value": 1.56204,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "ratio_black": {
    "ci": [
      2.5,
      2.7
    ],
    "ciLevel": 0.95,
    "display": "2.6",
    "estimand": "pooled denial rate of the group divided by that of non-Hispanic white applicants over the same tracts, county-cluster bootstrap interval",
    "n": 5657,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black applicants over non-Hispanic white applicants, applicants whose home-purchase application was decided in 2024, in the tracts where the cells for non-Hispanic Black and non-Hispanic white applicants are both published",
    "source": "hmda",
    "unit": "ratio of denial rates",
    "value": 2.60063,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "ratio_d10": {
    "ci": [
      1.8,
      2.3
    ],
    "ciLevel": 0.95,
    "display": "2.0",
    "estimand": "pooled denial rate of Black applicants divided by that of white applicants over the same tracts, county-cluster bootstrap interval",
    "n": 395,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black over non-Hispanic white applicants decided in 2024, in the most deprived tenth of tracts where both cells are published",
    "source": "hmda",
    "unit": "ratio of denial rates",
    "value": 2.04462,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "ratio_d5": {
    "ci": [
      2.6,
      3
    ],
    "ciLevel": 0.95,
    "display": "2.8",
    "estimand": "pooled denial rate of Black applicants divided by that of white applicants over the same tracts, county-cluster bootstrap interval",
    "n": 809,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black over non-Hispanic white applicants decided in 2024, in the fifth tenth of tracts by Area Deprivation Index where both cells are published",
    "source": "hmda",
    "unit": "ratio of denial rates",
    "value": 2.77371,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "ratio_hispanic": {
    "ci": [
      1.9,
      2.1
    ],
    "ciLevel": 0.95,
    "display": "2.0",
    "estimand": "pooled denial rate of the group divided by that of non-Hispanic white applicants over the same tracts, county-cluster bootstrap interval",
    "n": 10189,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "Hispanic (any race) applicants over non-Hispanic white applicants, applicants whose home-purchase application was decided in 2024, in the tracts where the cells for Hispanic (any race) and non-Hispanic white applicants are both published",
    "source": "hmda",
    "unit": "ratio of denial rates",
    "value": 1.98403,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "same_asian": {
    "ci": [
      8.5,
      9.4
    ],
    "ciLevel": 0.95,
    "display": "8.9%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 5490,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Asian applicants whose home-purchase application was decided in 2024, in the tracts where the cells for non-Hispanic Asian and non-Hispanic white applicants are both published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 8.90831,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "same_black": {
    "ci": [
      15.7,
      16.8
    ],
    "ciLevel": 0.95,
    "display": "16.2%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 5657,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic Black applicants whose home-purchase application was decided in 2024, in the tracts where the cells for non-Hispanic Black and non-Hispanic white applicants are both published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 16.2028,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "same_hispanic": {
    "ci": [
      12.2,
      13.5
    ],
    "ciLevel": 0.95,
    "display": "12.8%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 10189,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "Hispanic (any race) applicants whose home-purchase application was decided in 2024, in the tracts where the cells for Hispanic (any race) and non-Hispanic white applicants are both published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 12.8347,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "same_white_vs_asian": {
    "ci": [
      5.4,
      6
    ],
    "ciLevel": 0.95,
    "display": "5.7%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 5490,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic white applicants whose home-purchase application was decided in 2024, in the tracts where the cells for non-Hispanic Asian and non-Hispanic white applicants are both published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 5.70298,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "same_white_vs_black": {
    "ci": [
      6,
      6.5
    ],
    "ciLevel": 0.95,
    "display": "6.2%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 5657,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic white applicants whose home-purchase application was decided in 2024, in the tracts where the cells for non-Hispanic Black and non-Hispanic white applicants are both published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 6.23035,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "same_white_vs_hispanic": {
    "ci": [
      6.2,
      6.8
    ],
    "ciLevel": 0.95,
    "display": "6.5%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 10189,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "non-Hispanic white applicants whose home-purchase application was decided in 2024, in the tracts where the cells for Hispanic (any race) and non-Hispanic white applicants are both published",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 6.46898,
    "weights": "none (counts of decided applications, pooled over tracts)"
  },
  "share_black_lt10": {
    "display": "27%",
    "estimand": "share of those tracts with fewer than 10 decided applications from non-Hispanic Black applicants",
    "n": 5657,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "tracts where the cells for non-Hispanic Black and non-Hispanic white applicants are both published",
    "source": "hmda",
    "unit": "percent of tracts that hold both cells",
    "value": 27.0108,
    "weights": "none (each tract counts once)"
  },
  "share_shared_black": {
    "display": "7.4%",
    "estimand": "tracts where the cells for non-Hispanic Black and non-Hispanic white applicants are both published, divided by tracts with a published all-applicant cell",
    "n": 76072,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications that a covered lender originated or denied in 2024, first-lien loans on site-built homes with up to four units that applicants intend as a principal residence, in tracts of the 50 states and DC with a published cell",
    "source": "hmda",
    "unit": "percent of tracts",
    "value": 7.43638,
    "weights": "none (each tract counts once)"
  },
  "suppress_floor": {
    "display": "10",
    "estimand": "the number of applications, of every action taken, below which the staging step withholds the cell (a rule of this book, not an HMDA flag)",
    "note": "",
    "period": "2024",
    "population": "a tract and loan purpose cell of the staged HMDA file",
    "source": "hmda",
    "unit": "applications",
    "value": 10,
    "weights": "none (definition)"
  },
  "suppress_max": {
    "display": "9",
    "estimand": "the largest number of applications a withheld cell can hold (one below the floor)",
    "note": "",
    "period": "2024",
    "population": "a withheld tract and loan purpose cell of the staged HMDA file",
    "source": "hmda",
    "unit": "applications",
    "value": 9,
    "weights": "none (definition)"
  },
  "tracts_black_cashout": {
    "display": "2,938",
    "estimand": "count of tracts with a published cash-out refinance cell for non-Hispanic Black applicants (10 or more applications)",
    "note": "",
    "period": "2024",
    "population": "tracts of the 50 states and DC",
    "source": "hmda",
    "unit": "tracts",
    "value": 2938,
    "weights": "none (full count)"
  },
  "tracts_black_purchase": {
    "display": "8,232",
    "estimand": "count of tracts with a published home-purchase cell for non-Hispanic Black applicants (10 or more applications)",
    "note": "",
    "period": "2024",
    "population": "tracts of the 50 states and DC",
    "source": "hmda",
    "unit": "tracts",
    "value": 8232,
    "weights": "none (full count)"
  },
  "tracts_black_refi": {
    "display": "1,155",
    "estimand": "count of tracts with a published refinance cell for non-Hispanic Black applicants (10 or more applications)",
    "note": "",
    "period": "2024",
    "population": "tracts of the 50 states and DC",
    "source": "hmda",
    "unit": "tracts",
    "value": 1155,
    "weights": "none (full count)"
  },
  "us_denial": {
    "ci": [
      8.7,
      9.3
    ],
    "ciLevel": 0.95,
    "display": "9.0%",
    "estimand": "denied applications divided by applications that were originated or denied, summed over the tracts (a pooled rate), county-cluster bootstrap interval",
    "n": 75978,
    "nUnit": "tracts",
    "note": "",
    "period": "applications decided in 2024",
    "population": "home-purchase applications decided in 2024 in all tracts with an Area Deprivation Index national rank (all ten tenths pooled)",
    "source": "hmda",
    "unit": "percent of decided applications denied",
    "value": 8.98858,
    "weights": "none (counts of decided applications, pooled over tracts)"
  }
}