{ "alt": "Two tabs of line charts of the Black minus white gap in denial rates in the same tracts. The first runs over ten tenths of tract deprivation and the second over fifths of median applicant income. In both the line shows no trend, well above zero at every point, with the widest interval in the least deprived tenth.", "caption": "The gap is positive with an interval that excludes zero in every tenth and every fifth, and it shows no trend: the slope is {fact:gap_slope_tenth} points per tenth in the first tab and {fact:gap_slope_fifth} per fifth in the second. The first tab groups tracts by the deprivation index; the second groups the same kind of tracts by the median income that applicants reported, from {fact:income_fifth_lo} or less in the lowest fifth to {fact:income_fifth_hi} or more in the highest. Each point pools the applications of the two groups over the tracts in its group, with 95% intervals from a bootstrap over counties.", "data": [], "id": "gap_by_deprivation_and_income", "notes": [ "The tenths hold near-equal numbers of the tracts with a rank (tracts tied on the rank stay together); the fifths hold near-equal numbers of the {fact:n_shared_black} tracts that hold both cells and a median applicant income, so a fifth groups tracts by the typical income of their applicants and not applicants by their own income. The median income is the median of the incomes reported on the tract's applications.", "The ratio of the Black to the white rate is {fact:ratio_d5} in the fifth tenth and {fact:ratio_d10} in the most deprived tenth." ], "source": "HMDA Loan/Application Register, 2024, tract totals of decided applications; Area Deprivation Index, 2023; full counts, pooled rates", "spec": { "panels": [ { "figure": { "alt": "Line chart of the Black minus white gap in percentage points over ten tenths of tract deprivation, with no trend and an interval above zero at every tenth.", "caption": "The gap shows no trend from the least to the most deprived tenth, with the widest interval in the least deprived tenth, where the fewest tracts hold both cells.", "data": [ { "conf_high": 13.59, "conf_low": 7.64, "gap": 10.31, "tenth": 1, "tracts": 77 }, { "conf_high": 11.12, "conf_low": 7.84, "gap": 9.57, "tenth": 2, "tracts": 335 }, { "conf_high": 9.56, "conf_low": 7.69, "gap": 8.61, "tenth": 3, "tracts": 514 }, { "conf_high": 10.79, "conf_low": 8.83, "gap": 9.81, "tenth": 4, "tracts": 725 }, { "conf_high": 11.14, "conf_low": 9.46, "gap": 10.33, "tenth": 5, "tracts": 809 }, { "conf_high": 11.61, "conf_low": 9.34, "gap": 10.45, "tenth": 6, "tracts": 849 }, { "conf_high": 10.36, "conf_low": 8.55, "gap": 9.44, "tenth": 7, "tracts": 776 }, { "conf_high": 10.85, "conf_low": 8.7, "gap": 9.72, "tenth": 8, "tracts": 628 }, { "conf_high": 11.39, "conf_low": 9.06, "gap": 10.19, "tenth": 9, "tracts": 547 }, { "conf_high": 10.72, "conf_low": 7.92, "gap": 9.32, "tenth": 10, "tracts": 395 } ], "id": "gap_by_tenth", "spec": { "annotations": [ { "label": "No gap", "type": "y-rule", "y": 0 } ], "hi": "conf_high", "lo": "conf_low", "n": "tracts", "x": "tenth", "xDomain": [ 1, 10 ], "xLabel": "Tenth of tracts by Area Deprivation Index (1 = least deprived, 10 = most deprived)", "xTicks": "data", "y": "gap", "yDomain": [ 0, 16 ], "yLabel": "Gap in denial rate, Black minus white (percentage points)" }, "subtitle": "Percentage points of denial rate, Black minus white applicants in the same tracts, by tenth of tracts on the Area Deprivation Index (1 = least deprived)", "title": "The Black minus white gap is positive in every tenth of tract deprivation", "type": "line" }, "label": "By tract deprivation" }, { "figure": { "alt": "Line chart of the Black minus white gap in percentage points over the fifths of tract median applicant income, with no trend and an interval above zero in every fifth.", "caption": "The gap shows no trend from the lowest to the highest fifth of tracts by applicant income.", "data": [ { "conf_high": 10.06, "conf_low": 8.46, "fifth": 1, "gap": 9.23, "tracts": 1124 }, { "conf_high": 11.06, "conf_low": 9.51, "fifth": 2, "gap": 10.3, "tracts": 1149 }, { "conf_high": 11.11, "conf_low": 9.3, "fifth": 3, "gap": 10.15, "tracts": 1103 }, { "conf_high": 10.68, "conf_low": 9.19, "fifth": 4, "gap": 9.96, "tracts": 1146 }, { "conf_high": 9.99, "conf_low": 8.13, "fifth": 5, "gap": 9.12, "tracts": 1135 } ], "id": "gap_by_income", "spec": { "annotations": [ { "label": "No gap", "type": "y-rule", "y": 0 } ], "hi": "conf_high", "lo": "conf_low", "n": "tracts", "x": "fifth", "xDomain": [ 1, 5 ], "xLabel": "Fifth of tracts by median applicant income (1 = lowest, 5 = highest)", "xTicks": "data", "y": "gap", "yDomain": [ 0, 16 ], "yLabel": "Gap in denial rate, Black minus white (percentage points)" }, "subtitle": "Percentage points of denial rate, Black minus white applicants in the same tracts, by fifth of tracts on the median income reported by applicants (1 = lowest)", "title": "The Black minus white gap is positive in every fifth of tracts by median applicant income", "type": "line" }, "label": "By tract applicant income" } ] }, "subtitle": "Black minus white denied share of decided home-purchase applications, 2024, in tracts where both cells are published, by tenth of tracts on the deprivation index and by fifth of tracts on median applicant income", "title": "The same-tract gap between Black and white applicants stays between {fact:gap_dec_min} and {fact:gap_dec_max} percentage points across tenths of tract deprivation", "type": "tabs", "width": "wide" }