FairPlay’s Mortgage
Fairness Monitor

See the fairness of mortgage approvals for Black, Hispanic, female, and other protected applicants in every county of the U.S.

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These maps show mortgage fairness for protected classes based on data from the 2020 Home Mortgage Disclosure Act Database. The fairness to each group is calculated as follows:

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Mortgage Fairness Monitor

Get 5 Fact Sheets highlighting the state of mortgage fairness for Female, Black, Hispanic, Millennial and Baby Boomer applicants.

Mortgage Fairness Methodology

To compile these maps, FairPlay analyzed publicly available data for 2020 from the Home Mortgage Disclosure Act Database. We limited our review to applicants seeking to buy a new home, rather than applicants seeking to refinance or obtain a line of credit. Then we computed the Adverse Impact Ratio (AIR) for every county in the U.S. We also computed AIR values for 20 major metropolitan areas.

AIR is a measure of demographic parity; it does not control for risk.

Calculating the Adverse Impact Ratio

Adverse Impact Ratio is a calculation that regulators and courts use as a means of determining whether members of a protected class receive a certain outcome, such as getting approved for a loan, as often as a control group, such as white male borrowers, does.
Here is how AIR is calculated:

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