Fair Lending Lab

Hypothesis testing and statistical inference on CFPB HMDA mortgage applications.

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curated applications
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hypotheses tested
0
preregistered H0 / H1 with effect targets
significant at alpha 0.05
0 / 0
raw, uncorrected
reject BH-FDR (q=0.05)
0 / 0
Bonferroni at alpha/m: 0 / 0

denial rate by race

all applications

Raw rates without covariate adjustment. See hypothesis cards for tests and CIs.

denial rate by income band and race

non-joint applicants

Income binning is the simplest control HMDA supports. The Black vs White spread persists across all bands (H5). Cells with n < 30 are suppressed; small-n cells produce unstable rates. Hover any bar for the rate and exact n.

result summary

five preregistered hypotheses

keytitlemethodp valueeffect95% CIn A / B