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.

Atlanta, GA

320,000 applications · 13.1% overall denied

Black 16.2% -0.4 vs US
Hispanic 12.9% +0.9 vs US
Asian 9.4% +0.4 vs US
White 6.4% +0.6 vs US

Boston, MA

180,000 applications · 9.4% overall denied

Black 14.1% -2.5 vs US
Hispanic 12.2% +0.2 vs US
Asian 7.8% -1.2 vs US
White 6.1% +0.3 vs US

Chicago, IL

210,000 applications · 12.4% overall denied

Black 19.7% +3.1 vs US
Hispanic 13.8% +1.8 vs US
Asian 8.9% -0.1 vs US
White 7.9% +2.1 vs US

Dallas, TX

260,000 applications · 13.6% overall denied

Black 17.1% +0.5 vs US
Hispanic 13.9% +1.9 vs US
Asian 9.1% +0.1 vs US
White 6.9% +1.1 vs US

Detroit, MI

150,000 applications · 12.9% overall denied

Black 19.2% +2.6 vs US
Hispanic 13.1% +1.1 vs US
Asian 8.4% -0.6 vs US
White 7.6% +1.8 vs US

Houston, TX

350,000 applications · 13.9% overall denied

Black 15.9% -0.7 vs US
Hispanic 14.2% +2.2 vs US
Asian 9.3% +0.3 vs US
White 6.5% +0.7 vs US

Los Angeles, CA

280,000 applications · 10.8% overall denied

Black 15.4% -1.2 vs US
Hispanic 12.8% +0.8 vs US
Asian 8.6% -0.4 vs US
White 7.1% +1.3 vs US

Memphis, TN

62,000 applications · 15.7% overall denied

Black 22.4% +5.8 vs US
Hispanic 13.6% +1.6 vs US
Asian 9.8% +0.8 vs US
White 9.1% +3.3 vs US

Miami, FL

240,000 applications · 14.1% overall denied

Black 16.8% +0.2 vs US
Hispanic 14.9% +2.9 vs US
Asian 9.2% +0.2 vs US
White 8.3% +2.5 vs US

Milwaukee, WI

78,000 applications · 13.8% overall denied

Black 27.1% +10.5 vs US
Hispanic 15.2% +3.2 vs US
Asian 8.7% -0.3 vs US
White 10.2% +4.4 vs US

Minneapolis, MN

190,000 applications · 9.6% overall denied

Black 17.3% +0.7 vs US
Hispanic 13.4% +1.4 vs US
Asian 8.1% -0.9 vs US
White 6.2% +0.4 vs US

New York, NY

300,000 applications · 12.7% overall denied

Black 17.9% +1.3 vs US
Hispanic 14.1% +2.1 vs US
Asian 9.6% +0.6 vs US
White 7.4% +1.6 vs US

Philadelphia, PA

240,000 applications · 12.1% overall denied

Black 16.8% +0.2 vs US
Hispanic 13.2% +1.2 vs US
Asian 8.3% -0.7 vs US
White 6.7% +0.9 vs US

Phoenix, AZ

200,000 applications · 11.9% overall denied

Black 16.1% -0.5 vs US
Hispanic 13.7% +1.7 vs US
Asian 8.8% -0.2 vs US
White 7.2% +1.4 vs US

Seattle, WA

170,000 applications · 8.9% overall denied

Black 13.8% -2.8 vs US
Hispanic 11.4% -0.6 vs US
Asian 7.6% -1.4 vs US
White 6.3% +0.5 vs US

Washington, DC

220,000 applications · 11.4% overall denied

Black 15.6% -1 vs US
Hispanic 12.7% +0.7 vs US
Asian 8.2% -0.8 vs US
White 6.8% +1 vs US

Atlanta, GA

320,000 applications · 13.1% overall denied

Black 16.2% -0.4 vs US
Hispanic 12.9% +0.9 vs US
Asian 9.4% +0.4 vs US
White 6.4% +0.6 vs US

Boston, MA

180,000 applications · 9.4% overall denied

Black 14.1% -2.5 vs US
Hispanic 12.2% +0.2 vs US
Asian 7.8% -1.2 vs US
White 6.1% +0.3 vs US

Chicago, IL

210,000 applications · 12.4% overall denied

Black 19.7% +3.1 vs US
Hispanic 13.8% +1.8 vs US
Asian 8.9% -0.1 vs US
White 7.9% +2.1 vs US

Dallas, TX

260,000 applications · 13.6% overall denied

Black 17.1% +0.5 vs US
Hispanic 13.9% +1.9 vs US
Asian 9.1% +0.1 vs US
White 6.9% +1.1 vs US

Detroit, MI

150,000 applications · 12.9% overall denied

Black 19.2% +2.6 vs US
Hispanic 13.1% +1.1 vs US
Asian 8.4% -0.6 vs US
White 7.6% +1.8 vs US

Houston, TX

350,000 applications · 13.9% overall denied

Black 15.9% -0.7 vs US
Hispanic 14.2% +2.2 vs US
Asian 9.3% +0.3 vs US
White 6.5% +0.7 vs US

Los Angeles, CA

280,000 applications · 10.8% overall denied

Black 15.4% -1.2 vs US
Hispanic 12.8% +0.8 vs US
Asian 8.6% -0.4 vs US
White 7.1% +1.3 vs US

Memphis, TN

62,000 applications · 15.7% overall denied

Black 22.4% +5.8 vs US
Hispanic 13.6% +1.6 vs US
Asian 9.8% +0.8 vs US
White 9.1% +3.3 vs US

Miami, FL

240,000 applications · 14.1% overall denied

Black 16.8% +0.2 vs US
Hispanic 14.9% +2.9 vs US
Asian 9.2% +0.2 vs US
White 8.3% +2.5 vs US

Milwaukee, WI

78,000 applications · 13.8% overall denied

Black 27.1% +10.5 vs US
Hispanic 15.2% +3.2 vs US
Asian 8.7% -0.3 vs US
White 10.2% +4.4 vs US

Minneapolis, MN

190,000 applications · 9.6% overall denied

Black 17.3% +0.7 vs US
Hispanic 13.4% +1.4 vs US
Asian 8.1% -0.9 vs US
White 6.2% +0.4 vs US

New York, NY

300,000 applications · 12.7% overall denied

Black 17.9% +1.3 vs US
Hispanic 14.1% +2.1 vs US
Asian 9.6% +0.6 vs US
White 7.4% +1.6 vs US

Philadelphia, PA

240,000 applications · 12.1% overall denied

Black 16.8% +0.2 vs US
Hispanic 13.2% +1.2 vs US
Asian 8.3% -0.7 vs US
White 6.7% +0.9 vs US

Phoenix, AZ

200,000 applications · 11.9% overall denied

Black 16.1% -0.5 vs US
Hispanic 13.7% +1.7 vs US
Asian 8.8% -0.2 vs US
White 7.2% +1.4 vs US

Seattle, WA

170,000 applications · 8.9% overall denied

Black 13.8% -2.8 vs US
Hispanic 11.4% -0.6 vs US
Asian 7.6% -1.4 vs US
White 6.3% +0.5 vs US

Washington, DC

220,000 applications · 11.4% overall denied

Black 15.6% -1 vs US
Hispanic 12.7% +0.7 vs US
Asian 8.2% -0.8 vs US
White 6.8% +1 vs US

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