{
  "alt": "Scatter plot of tract denial rates against the Area Deprivation Index national rank, a cloud of dots that widens at the right, with a line of pooled rates for ten tenths of tracts that is level over the first three tenths and then rises, steeply at the most deprived end, with narrow intervals.",
  "caption": "The line is flat across the first three tenths and rises at every step after that, ending {fact:gap_d10_d1} percentage points above the first tenth, while single tracts scatter widely around it. Dots are a random sample of {fact:n_cloud} of the {fact:n_cloud_pool} qualifying tracts, each resting on a small number of applications (the median tract decides {fact:median_decided}); the line plots the denied share of all decided applications in each tenth of tracts, with 95% intervals from a bootstrap over counties.",
  "data": [],
  "id": "denial_vs_deprivation",
  "notes": [
    "Dots are drawn from the tracts that decided at least {fact:cloud_floor} applications, with a fixed seed (stated in the methods note). The pooled rates use every tract with a published cell and a rank, {fact:n_tracts_adi} tracts, in tenths that hold near-equal numbers of tracts. A tract with no rank is left out ({fact:n_no_adi} tracts).",
    "Across all the ranked tracts the pooled denial rate is {fact:us_denial}.",
    "The Area Deprivation Index is a national percentile, 1 least and 100 most deprived, and it understates deprivation in high-cost cities. Rates are not adjusted for the applicant's credit, debts, loan size or loan type, which the tract file does not hold."
  ],
  "source": "HMDA Loan/Application Register, 2024, tract totals of decided applications; Area Deprivation Index, 2023; full counts, pooled rates",
  "spec": {
    "overlays": [
      {
        "hi": "hi",
        "kind": "line",
        "label": "Pooled rate by tenth of tracts",
        "lo": "lo",
        "rows": [
          {
            "hi": 8.44,
            "lo": 7.17,
            "n": 7584,
            "x": 6.7,
            "y": 7.81
          },
          {
            "hi": 8.23,
            "lo": 7.2,
            "n": 7686,
            "x": 16.9,
            "y": 7.69
          },
          {
            "hi": 8.02,
            "lo": 7.25,
            "n": 7429,
            "x": 26.2,
            "y": 7.63
          },
          {
            "hi": 8.62,
            "lo": 7.79,
            "n": 7804,
            "x": 35.5,
            "y": 8.19
          },
          {
            "hi": 9.04,
            "lo": 8.14,
            "n": 7493,
            "x": 44.7,
            "y": 8.59
          },
          {
            "hi": 9.63,
            "lo": 8.68,
            "n": 7547,
            "x": 53.7,
            "y": 9.18
          },
          {
            "hi": 9.99,
            "lo": 9.1,
            "n": 7598,
            "x": 62.7,
            "y": 9.55
          },
          {
            "hi": 10.51,
            "lo": 9.59,
            "n": 7638,
            "x": 71.9,
            "y": 10.04
          },
          {
            "hi": 11.35,
            "lo": 10.54,
            "n": 7608,
            "x": 81.5,
            "y": 10.91
          },
          {
            "hi": 14.33,
            "lo": 13.33,
            "n": 7591,
            "x": 92.1,
            "y": 13.81
          }
        ],
        "x": "x",
        "y": "y"
      }
    ],
    "payload": "denial_vs_deprivation_tracts.json",
    "x": "adi_rank",
    "xDomain": [
      0,
      100
    ],
    "xLabel": "Area Deprivation Index national rank (1 = least deprived, 100 = most deprived)",
    "y": "rate",
    "yDomain": [
      0,
      60
    ],
    "yLabel": "Denied share of decided applications (%)"
  },
  "subtitle": "Denied share of decided home-purchase applications, 2024, against the tract's Area Deprivation Index national rank: sampled tracts with at least {fact:cloud_floor} decided applications as dots and pooled rates for tenths of tracts as the line",
  "title": "The denial rate was {fact:rate_d1} in the least deprived tenth of tracts and {fact:rate_d10} in the most deprived, and it is level across the three least deprived tenths",
  "type": "scatter",
  "width": "wide"
}