{
  "alt": "Four panels of the same outcome by tenth of tracts, ranked by the ADI, the standardized index, median household income and the bachelor's degree share. Under the ADI the outcome is steadily worse toward the more deprived end. The other three rankings keep that pattern.",
  "caption": "Compare the shape of each panel with the ADI panel. A pattern counts as changed when the worse end switches sides, when the two ends differ under one ranking and not the other, or when the rank correlation of bin order and bin mean crosses {fact:alt_rho_cut} and moves by at least {fact:alt_rho_margin}. Each panel plots the pooled denial rate (denied applications divided by applications originated or denied, summed over the tracts) in each tenth of tracts, with 95% intervals from a bootstrap over counties.",
  "data": [
    {
      "bin": 1,
      "conf_high": 8.46981,
      "conf_low": 7.16512,
      "estimate": 7.82692,
      "n_units": 7181,
      "ranking": "Area Deprivation Index"
    },
    {
      "bin": 2,
      "conf_high": 8.23635,
      "conf_low": 7.25015,
      "estimate": 7.74568,
      "n_units": 7109,
      "ranking": "Area Deprivation Index"
    },
    {
      "bin": 3,
      "conf_high": 7.97433,
      "conf_low": 7.22352,
      "estimate": 7.59727,
      "n_units": 7041,
      "ranking": "Area Deprivation Index"
    },
    {
      "bin": 4,
      "conf_high": 8.73278,
      "conf_low": 7.92109,
      "estimate": 8.32233,
      "n_units": 7292,
      "ranking": "Area Deprivation Index"
    },
    {
      "bin": 5,
      "conf_high": 9.03021,
      "conf_low": 8.12992,
      "estimate": 8.56775,
      "n_units": 7035,
      "ranking": "Area Deprivation Index"
    },
    {
      "bin": 6,
      "conf_high": 9.62256,
      "conf_low": 8.6852,
      "estimate": 9.15429,
      "n_units": 7149,
      "ranking": "Area Deprivation Index"
    },
    {
      "bin": 7,
      "conf_high": 10.0151,
      "conf_low": 9.14428,
      "estimate": 9.56715,
      "n_units": 7164,
      "ranking": "Area Deprivation Index"
    },
    {
      "bin": 8,
      "conf_high": 10.4738,
      "conf_low": 9.58626,
      "estimate": 10.0079,
      "n_units": 6993,
      "ranking": "Area Deprivation Index"
    },
    {
      "bin": 9,
      "conf_high": 11.3057,
      "conf_low": 10.4868,
      "estimate": 10.8771,
      "n_units": 7045,
      "ranking": "Area Deprivation Index"
    },
    {
      "bin": 10,
      "conf_high": 14.2597,
      "conf_low": 13.2866,
      "estimate": 13.7451,
      "n_units": 7160,
      "ranking": "Area Deprivation Index"
    },
    {
      "bin": 1,
      "conf_high": 7.41379,
      "conf_low": 6.62305,
      "estimate": 7.00524,
      "n_units": 7116,
      "ranking": "Standardized index"
    },
    {
      "bin": 2,
      "conf_high": 7.3408,
      "conf_low": 6.75563,
      "estimate": 7.04467,
      "n_units": 7117,
      "ranking": "Standardized index"
    },
    {
      "bin": 3,
      "conf_high": 7.98135,
      "conf_low": 7.38562,
      "estimate": 7.67174,
      "n_units": 7117,
      "ranking": "Standardized index"
    },
    {
      "bin": 4,
      "conf_high": 8.56974,
      "conf_low": 7.89233,
      "estimate": 8.22888,
      "n_units": 7117,
      "ranking": "Standardized index"
    },
    {
      "bin": 5,
      "conf_high": 9.08254,
      "conf_low": 8.38961,
      "estimate": 8.72713,
      "n_units": 7117,
      "ranking": "Standardized index"
    },
    {
      "bin": 6,
      "conf_high": 9.5348,
      "conf_low": 8.87247,
      "estimate": 9.19342,
      "n_units": 7117,
      "ranking": "Standardized index"
    },
    {
      "bin": 7,
      "conf_high": 10.7348,
      "conf_low": 9.8649,
      "estimate": 10.2784,
      "n_units": 7117,
      "ranking": "Standardized index"
    },
    {
      "bin": 8,
      "conf_high": 11.4194,
      "conf_low": 10.5446,
      "estimate": 10.9771,
      "n_units": 7117,
      "ranking": "Standardized index"
    },
    {
      "bin": 9,
      "conf_high": 12.503,
      "conf_low": 11.6039,
      "estimate": 12.0304,
      "n_units": 7117,
      "ranking": "Standardized index"
    },
    {
      "bin": 10,
      "conf_high": 15.4544,
      "conf_low": 14.1475,
      "estimate": 14.7838,
      "n_units": 7117,
      "ranking": "Standardized index"
    },
    {
      "bin": 1,
      "conf_high": 7.3875,
      "conf_low": 6.63917,
      "estimate": 7.00697,
      "n_units": 7116,
      "ranking": "Median household income"
    },
    {
      "bin": 2,
      "conf_high": 7.62098,
      "conf_low": 7.01755,
      "estimate": 7.32612,
      "n_units": 7118,
      "ranking": "Median household income"
    },
    {
      "bin": 3,
      "conf_high": 8.11645,
      "conf_low": 7.48756,
      "estimate": 7.79853,
      "n_units": 7116,
      "ranking": "Median household income"
    },
    {
      "bin": 4,
      "conf_high": 8.70744,
      "conf_low": 8.05616,
      "estimate": 8.381,
      "n_units": 7117,
      "ranking": "Median household income"
    },
    {
      "bin": 5,
      "conf_high": 9.34892,
      "conf_low": 8.5926,
      "estimate": 8.96479,
      "n_units": 7117,
      "ranking": "Median household income"
    },
    {
      "bin": 6,
      "conf_high": 9.67535,
      "conf_low": 8.9196,
      "estimate": 9.28888,
      "n_units": 7117,
      "ranking": "Median household income"
    },
    {
      "bin": 7,
      "conf_high": 10.3528,
      "conf_low": 9.57099,
      "estimate": 9.95178,
      "n_units": 7116,
      "ranking": "Median household income"
    },
    {
      "bin": 8,
      "conf_high": 11.1815,
      "conf_low": 10.2941,
      "estimate": 10.7317,
      "n_units": 7121,
      "ranking": "Median household income"
    },
    {
      "bin": 9,
      "conf_high": 12.2863,
      "conf_low": 11.2312,
      "estimate": 11.739,
      "n_units": 7114,
      "ranking": "Median household income"
    },
    {
      "bin": 10,
      "conf_high": 14.4817,
      "conf_low": 13.2268,
      "estimate": 13.8018,
      "n_units": 7117,
      "ranking": "Median household income"
    },
    {
      "bin": 1,
      "conf_high": 7.35732,
      "conf_low": 6.4123,
      "estimate": 6.83683,
      "n_units": 7116,
      "ranking": "Bachelor's degree share"
    },
    {
      "bin": 2,
      "conf_high": 7.56816,
      "conf_low": 6.82575,
      "estimate": 7.18468,
      "n_units": 7116,
      "ranking": "Bachelor's degree share"
    },
    {
      "bin": 3,
      "conf_high": 8.05499,
      "conf_low": 7.31318,
      "estimate": 7.6821,
      "n_units": 7118,
      "ranking": "Bachelor's degree share"
    },
    {
      "bin": 4,
      "conf_high": 8.52783,
      "conf_low": 7.87839,
      "estimate": 8.19932,
      "n_units": 7114,
      "ranking": "Bachelor's degree share"
    },
    {
      "bin": 5,
      "conf_high": 9.12504,
      "conf_low": 8.44645,
      "estimate": 8.77577,
      "n_units": 7122,
      "ranking": "Bachelor's degree share"
    },
    {
      "bin": 6,
      "conf_high": 9.66703,
      "conf_low": 8.84184,
      "estimate": 9.23593,
      "n_units": 7115,
      "ranking": "Bachelor's degree share"
    },
    {
      "bin": 7,
      "conf_high": 10.3117,
      "conf_low": 9.51636,
      "estimate": 9.89663,
      "n_units": 7123,
      "ranking": "Bachelor's degree share"
    },
    {
      "bin": 8,
      "conf_high": 11.101,
      "conf_low": 10.3714,
      "estimate": 10.731,
      "n_units": 7103,
      "ranking": "Bachelor's degree share"
    },
    {
      "bin": 9,
      "conf_high": 11.8373,
      "conf_low": 11.0719,
      "estimate": 11.441,
      "n_units": 7123,
      "ranking": "Bachelor's degree share"
    },
    {
      "bin": 10,
      "conf_high": 13.7517,
      "conf_low": 12.753,
      "estimate": 13.2316,
      "n_units": 7119,
      "ranking": "Bachelor's degree share"
    }
  ],
  "id": "alt_rankings",
  "notes": [
    "Least and most deprived tenth: ADI {fact:alt_adi_least} and {fact:alt_adi_most}, rank correlation {fact:alt_adi_rho}; standardized index {fact:alt_std_least} and {fact:alt_std_most}, {fact:alt_std_rho}; median household income {fact:alt_income_least} and {fact:alt_income_most}, {fact:alt_income_rho}; bachelor's degree share {fact:alt_degree_least} and {fact:alt_degree_most}, {fact:alt_degree_rho}.",
    "The standardized index applies the ADI's coefficients to its measures after standardizing each one, so home value and income carry less weight than in the ADI. Income and degree share are single census measures, each ranked from the highest value to the lowest."
  ],
  "source": "HMDA Loan/Application Register, 2024, tract totals of decided applications; Area Deprivation Index, 2023; full counts, pooled rates; ADI 2023 and ACS 2019-2023 tract tables (B19013, B15003 and the 15 rebuilt ADI measures)",
  "spec": {
    "facet": "ranking",
    "hi": "conf_high",
    "lo": "conf_low",
    "n": "n_units",
    "x": "bin",
    "xDomain": [
      1,
      10
    ],
    "xLabel": "Tenth of tracts by each ranking (1 = least deprived, 10 = most deprived)",
    "xTicks": [
      1,
      2,
      3,
      4,
      5,
      6,
      7,
      8,
      9,
      10
    ],
    "y": "estimate",
    "yDomain": [
      5.5,
      20
    ],
    "yFormat": {
      "digits": 1
    },
    "yLabel": "Denied share of decided applications (%)"
  },
  "subtitle": "Denied share of decided applications (%) by tenth of tracts ranked four ways, over the {fact:alt_n_places} tracts that have all four rankings",
  "title": "The mortgage denial rate is steadily worse toward the more deprived end under the ADI and under each of the three other rankings",
  "type": "line"
}