method string | global_rate_pct float64 | lender_count int64 | rows list |
|---|---|---|---|
Indirect standardization. Cells = state x loan-amount band x income band x DTI band x CLTV band. Market cell rates computed on all decisioned FHA applications (actions 1,2,3; denial=3), cells with n>=25; smaller cells fall back to the national rate. Expected denials = sum of cell rates over each lender's own applicatio... | 21.84 | 277 | [
{
"lei": "549300HW662MN1WU8550",
"apps": 112470,
"observed_denials": 24022,
"observed_rate_pct": 21.4,
"expected_denials": 22531.7,
"expected_rate_pct": 20,
"adjusted_ratio": 1.07
},
{
"lei": "549300FGXN1K3HLB1R50",
"apps": 96051,
"observed_denials": 28619,
"observed_... |
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