Fair Lending Lab

Disparity screening on CFPB HMDA mortgage applications.

api offlinev0.1.0
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

disparity ruler

every effect estimate against its null

Each point is the primary effect estimate; the bar is its 95% confidence interval; the tick marks the null (no disparity). A row reads amber when its interval clears the null. Units differ by hypothesis: risk difference, Hedges' g, eta squared. Each row is scaled to itself and the exact values sit alongside.

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