Who Lends to Whom · Compare

Two metros, same loan

Pick any two metros. Both panels share one denial-rate scale, so the bars line up across the gutter. The dotted mark on each bar is the national rate for that group.

Arlington, VA

43,312 applications · 5.9% overall denied

Black 10.5% -9.2 vs US
Hispanic 10.2% -5.5 vs US
Asian 6.4% -1.2 vs US
White 3.9% -5.3 vs US

Atlanta, GA

77,385 applications · 10.1% overall denied

Black 14.1% -5.6 vs US
Hispanic 11.6% -4.1 vs US
Asian 6.8% -0.8 vs US
White 6.6% -2.6 vs US

Austin, TX

45,723 applications · 10.3% overall denied

Black 12.0% -7.7 vs US
Hispanic 19.0% +3.3 vs US
Asian 5.3% -2.3 vs US
White 6.0% -3.2 vs US

Charlotte, NC

50,038 applications · 9.0% overall denied

Black 15.6% -4.1 vs US
Hispanic 13.7% -2 vs US
Asian 6.6% -1 vs US
White 6.7% -2.5 vs US

Chicago, IL

87,308 applications · 8.8% overall denied

Black 16.7% -3 vs US
Hispanic 12.0% -3.7 vs US
Asian 7.3% -0.3 vs US
White 5.4% -3.8 vs US

Dallas, TX

94,710 applications · 9.5% overall denied

Black 14.5% -5.2 vs US
Hispanic 15.3% -0.4 vs US
Asian 6.1% -1.5 vs US
White 6.5% -2.7 vs US

Denver, CO

49,967 applications · 7.8% overall denied

Black 12.9% -6.8 vs US
Hispanic 18.2% +2.5 vs US
Asian 7.0% -0.6 vs US
White 4.7% -4.5 vs US

Houston, TX

124,530 applications · 15.3% overall denied

Black 17.7% -2 vs US
Hispanic 22.0% +6.3 vs US
Asian 9.3% +1.7 vs US
White 10.5% +1.3 vs US

Los Angeles, CA

54,545 applications · 9.7% overall denied

Black 15.7% -4 vs US
Hispanic 12.9% -2.8 vs US
Asian 7.1% -0.5 vs US
White 8.0% -1.2 vs US

Minneapolis, MN

51,595 applications · 6.5% overall denied

Black 11.5% -8.2 vs US
Hispanic 15.4% -0.3 vs US
Asian 8.1% +0.5 vs US
White 4.8% -4.4 vs US

New York, NY

64,160 applications · 10.4% overall denied

Black 16.5% -3.2 vs US
Hispanic 13.8% -1.9 vs US
Asian 9.8% +2.2 vs US
White 8.5% -0.7 vs US

Orlando, FL

45,228 applications · 12.8% overall denied

Black 16.4% -3.3 vs US
Hispanic 17.0% +1.3 vs US
Asian 10.2% +2.6 vs US
White 8.7% -0.5 vs US

Phoenix, AZ

79,286 applications · 8.2% overall denied

Black 14.3% -5.4 vs US
Hispanic 11.6% -4.1 vs US
Asian 7.3% -0.3 vs US
White 6.3% -2.9 vs US

Riverside, CA

54,901 applications · 10.4% overall denied

Black 14.2% -5.5 vs US
Hispanic 12.1% -3.6 vs US
Asian 8.0% +0.4 vs US
White 8.4% -0.8 vs US

San Antonio, TX

51,793 applications · 13.9% overall denied

Black 14.8% -4.9 vs US
Hispanic 18.2% +2.5 vs US
Asian 8.6% +1 vs US
White 9.1% -0.1 vs US

Tampa, FL

44,672 applications · 11.3% overall denied

Black 14.7% -5 vs US
Hispanic 14.9% -0.8 vs US
Asian 7.2% -0.4 vs US
White 9.3% +0.1 vs US

Arlington, VA

43,312 applications · 5.9% overall denied

Black 10.5% -9.2 vs US
Hispanic 10.2% -5.5 vs US
Asian 6.4% -1.2 vs US
White 3.9% -5.3 vs US

Atlanta, GA

77,385 applications · 10.1% overall denied

Black 14.1% -5.6 vs US
Hispanic 11.6% -4.1 vs US
Asian 6.8% -0.8 vs US
White 6.6% -2.6 vs US

Austin, TX

45,723 applications · 10.3% overall denied

Black 12.0% -7.7 vs US
Hispanic 19.0% +3.3 vs US
Asian 5.3% -2.3 vs US
White 6.0% -3.2 vs US

Charlotte, NC

50,038 applications · 9.0% overall denied

Black 15.6% -4.1 vs US
Hispanic 13.7% -2 vs US
Asian 6.6% -1 vs US
White 6.7% -2.5 vs US

Chicago, IL

87,308 applications · 8.8% overall denied

Black 16.7% -3 vs US
Hispanic 12.0% -3.7 vs US
Asian 7.3% -0.3 vs US
White 5.4% -3.8 vs US

Dallas, TX

94,710 applications · 9.5% overall denied

Black 14.5% -5.2 vs US
Hispanic 15.3% -0.4 vs US
Asian 6.1% -1.5 vs US
White 6.5% -2.7 vs US

Denver, CO

49,967 applications · 7.8% overall denied

Black 12.9% -6.8 vs US
Hispanic 18.2% +2.5 vs US
Asian 7.0% -0.6 vs US
White 4.7% -4.5 vs US

Houston, TX

124,530 applications · 15.3% overall denied

Black 17.7% -2 vs US
Hispanic 22.0% +6.3 vs US
Asian 9.3% +1.7 vs US
White 10.5% +1.3 vs US

Los Angeles, CA

54,545 applications · 9.7% overall denied

Black 15.7% -4 vs US
Hispanic 12.9% -2.8 vs US
Asian 7.1% -0.5 vs US
White 8.0% -1.2 vs US

Minneapolis, MN

51,595 applications · 6.5% overall denied

Black 11.5% -8.2 vs US
Hispanic 15.4% -0.3 vs US
Asian 8.1% +0.5 vs US
White 4.8% -4.4 vs US

New York, NY

64,160 applications · 10.4% overall denied

Black 16.5% -3.2 vs US
Hispanic 13.8% -1.9 vs US
Asian 9.8% +2.2 vs US
White 8.5% -0.7 vs US

Orlando, FL

45,228 applications · 12.8% overall denied

Black 16.4% -3.3 vs US
Hispanic 17.0% +1.3 vs US
Asian 10.2% +2.6 vs US
White 8.7% -0.5 vs US

Phoenix, AZ

79,286 applications · 8.2% overall denied

Black 14.3% -5.4 vs US
Hispanic 11.6% -4.1 vs US
Asian 7.3% -0.3 vs US
White 6.3% -2.9 vs US

Riverside, CA

54,901 applications · 10.4% overall denied

Black 14.2% -5.5 vs US
Hispanic 12.1% -3.6 vs US
Asian 8.0% +0.4 vs US
White 8.4% -0.8 vs US

San Antonio, TX

51,793 applications · 13.9% overall denied

Black 14.8% -4.9 vs US
Hispanic 18.2% +2.5 vs US
Asian 8.6% +1 vs US
White 9.1% -0.1 vs US

Tampa, FL

44,672 applications · 11.3% overall denied

Black 14.7% -5 vs US
Hispanic 14.9% -0.8 vs US
Asian 7.2% -0.4 vs US
White 9.3% +0.1 vs US

Shared scale 0 - 30% denied · dotted mark = national rate for that group