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Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit


Submitted to the Congress pursuant to section 215 of the Fair and Accurate Credit Transactions Act of 2003
August 2007

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Tables for Overview Figures

Figure O--1. Mean TransRisk Score, by Demographic Group

Note. For definition of characteristics, refer to notes to table 9.



Figure O--1. Mean TransRisk Score, by Demographic Group
Race or ethnicity (SSA data)
  Score
Non-Hispanic white 54.0
Black 25.6
Hispanic 38.2
Asian 54.8

Figure O--1. Mean TransRisk Score, by Demographic Group
Sex
  Score
Male 48.8
Female 50.4

Figure O--1. Mean TransRisk Score, by Demographic Group
Age (years)
  Score
Less than 30 34.3
30-39 39.8
40-49 46.9
50-61 54.5
More than 61 68.1

Figure O--1. Mean TransRisk Score, by Demographic Group
Marital status
  Score
Married male 55.7
Single male 43.4
Married female 57.5
Single female 44.8

Figure O--1. Mean TransRisk Score, by Demographic Group
Income ratio of tract
  Score
Low 32.5
Moderate 40.7
Middle 50.4
High 57.9

Figure O--1. Mean TransRisk Score, by Demographic Group
Minority percent of tract
  Score
Less than 10 55.7
10-49 49.6
50-79 40.6
80 or more 34.6

Return to figure


Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group

Note. For definition of characteristics, refer to notes to table 9.



Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Race or ethnicity (SSA data)
Percent
Score Non-
Hispanic
white
Black Hispanic Asian
0 0.01 0.07 0.01 0.00
0.5 0.26 1.19 0.47 0.13
1 1.16 5.33 2.22 0.88
1.5 1.43 6.47 2.74 1.07
2 1.80 7.89 3.49 1.32
2.5 2.09 9.27 4.04 1.51
3 2.55 11.20 5.02 1.83
3.5 2.96 12.82 5.77 2.20
4 3.39 14.58 6.60 2.48
4.5 3.54 15.16 6.92 2.58
5 4.19 17.72 8.22 3.10
5.5 4.72 19.81 9.31 3.49
6 5.28 21.72 10.18 3.90
6.5 5.56 22.93 10.80 4.08
7 6.11 24.69 11.94 4.40
7.5 6.34 25.51 12.38 4.72
8 6.81 26.95 13.18 5.02
8.5 7.02 27.55 13.60 5.14
9 7.34 28.59 14.09 5.38
9.5 7.60 29.38 14.65 5.53
10 7.95 30.45 15.20 5.74
10.5 8.20 31.16 15.69 5.84
11 8.62 32.29 16.38 6.25
11.5 8.94 33.33 16.92 6.46
12 9.56 35.11 18.03 6.95
12.5 9.92 36.07 18.58 7.29
13 10.40 37.20 19.36 7.61
13.5 10.76 38.21 19.95 7.97
14 11.41 39.79 21.10 8.40
14.5 11.75 40.75 21.76 8.68
15 12.29 42.07 22.62 9.09
15.5 12.61 42.91 23.21 9.45
16 13.09 44.04 24.02 9.75
16.5 13.43 44.88 24.69 10.05
17 13.84 45.83 25.49 10.32
17.5 14.13 46.58 25.97 10.53
18 14.56 47.40 26.62 10.96
18.5 14.84 48.07 27.10 11.11
19 15.24 48.76 27.78 11.51
19.5 15.50 49.29 28.21 11.80
20 16.54 53.05 30.31 12.37
20.5 16.88 54.04 30.93 12.68
21 17.37 55.24 31.90 13.02
21.5 17.64 55.90 32.31 13.24
22 18.07 56.76 33.01 13.60
22.5 18.38 57.37 33.55 13.90
23 18.77 58.20 34.24 14.19
23.5 19.13 58.86 35.06 14.41
24 19.73 60.00 36.19 14.95
24.5 20.09 60.62 36.80 15.20
25 20.54 61.45 37.68 15.51
25.5 20.84 62.08 38.17 15.72
26 21.27 62.93 38.95 16.18
26.5 21.67 63.54 39.65 16.62
27 22.27 64.39 40.60 17.10
27.5 22.62 65.00 41.28 17.40
28 23.19 65.85 42.21 17.90
28.5 23.55 66.41 42.93 18.27
29 24.28 67.28 44.01 18.93
29.5 24.71 67.65 44.54 19.16
30 25.24 68.37 45.32 19.73
30.5 25.59 68.85 45.74 20.18
31 26.22 69.59 46.69 21.00
31.5 26.58 69.98 47.24 21.39
32 27.07 70.60 48.05 21.81
32.5 27.48 71.06 48.74 22.37
33 28.00 71.61 49.35 22.92
33.5 28.40 72.14 49.96 23.32
34 28.94 72.67 50.64 23.95
34.5 29.43 73.15 51.28 24.34
35 30.16 73.95 52.20 25.13
35.5 30.42 74.20 52.64 25.48
36 31.17 74.83 53.57 26.16
36.5 31.50 75.11 53.96 26.50
37 32.27 75.87 55.04 27.39
37.5 32.61 76.16 55.38 27.69
38 33.36 76.88 56.39 28.54
38.5 33.66 77.19 56.71 28.81
39 34.32 77.72 57.55 29.66
39.5 34.56 77.95 57.83 29.87
40 35.09 78.32 58.37 30.37
40.5 35.48 78.75 58.79 30.85
41 36.06 79.28 59.47 31.54
41.5 36.33 79.49 59.83 31.86
42 36.97 80.06 60.60 32.52
42.5 37.35 80.43 61.06 32.95
43 37.97 80.95 61.77 33.54
43.5 38.36 81.22 62.19 34.08
44 38.98 81.76 63.03 34.85
44.5 39.54 82.11 63.58 35.46
45 40.03 82.48 64.22 36.03
45.5 40.56 82.85 64.77 36.69
46 41.13 83.23 65.37 37.36
46.5 41.50 83.42 65.71 37.92
47 42.26 83.87 66.47 38.80
47.5 42.59 84.08 66.81 39.33
48 43.37 84.46 67.50 40.14
48.5 43.77 84.66 67.87 40.58
49 44.24 84.94 68.33 41.11
49.5 44.72 85.20 68.78 41.65
50 45.33 85.56 69.38 42.38
50.5 45.63 85.75 69.68 42.78
51 46.19 86.05 70.26 43.63
51.5 46.62 86.24 70.66 44.12
52 47.20 86.46 71.23 44.99
52.5 47.60 86.69 71.73 45.63
53 48.16 86.99 72.28 46.50
53.5 48.66 87.27 72.71 47.31
54 49.29 87.56 73.29 48.22
54.5 49.59 87.70 73.60 48.75
55 50.25 88.06 74.20 49.75
55.5 50.62 88.28 74.57 50.16
56 51.21 88.53 75.14 50.87
56.5 51.58 88.72 75.53 51.46
57 52.19 88.94 76.13 52.31
57.5 52.55 89.05 76.46 52.81
58 53.17 89.25 77.02 53.48
58.5 53.59 89.41 77.40 54.05
59 54.21 89.68 77.88 54.89
59.5 54.65 89.85 78.24 55.45
60 55.32 90.16 78.79 56.40
60.5 55.64 90.28 79.10 56.92
61 56.15 90.49 79.47 57.42
61.5 56.65 90.67 79.82 58.05
62 57.15 90.86 80.23 58.70
62.5 57.69 91.06 80.63 59.66
63 58.23 91.26 80.90 60.28
63.5 58.82 91.48 81.34 61.07
64 59.43 91.65 81.80 61.86
64.5 59.71 91.77 82.04 62.22
65 60.29 91.91 82.47 63.02
65.5 60.66 92.03 82.65 63.48
66 61.26 92.18 83.04 64.13
66.5 61.59 92.28 83.36 64.77
67 61.91 92.36 83.56 65.05
67.5 62.61 92.62 84.07 66.07
68 62.84 92.69 84.25 66.33
68.5 63.15 92.79 84.45 66.70
69 63.86 92.96 84.89 67.50
69.5 64.30 93.06 85.16 68.00
70 64.71 93.19 85.43 68.52
70.5 65.15 93.34 85.70 68.92
71 65.50 93.44 85.94 69.32
71.5 65.82 93.54 86.15 69.68
72 66.57 93.71 86.59 70.58
73 67.42 93.98 87.01 71.73
73.5 67.80 94.06 87.20 72.01
74 68.23 94.20 87.40 72.49
74.5 68.99 94.39 87.83 73.20
75 69.68 94.60 88.21 73.78
75.5 70.15 94.72 88.46 74.32
76 70.58 94.82 88.67 74.73
76.5 71.14 94.98 88.94 75.25
77 72.23 95.26 89.60 76.81
78 73.26 95.47 90.09 77.69
78.5 73.70 95.53 90.26 78.06
79 74.34 95.65 90.53 78.54
79.5 74.78 95.74 90.78 79.03
80 75.34 95.90 91.08 79.58
80.5 75.95 96.11 91.36 80.09
81 77.02 96.30 91.79 81.04
81.5 77.50 96.39 92.02 81.54
82 77.97 96.48 92.21 81.99
82.5 78.49 96.60 92.43 82.54
83 79.02 96.71 92.64 82.99
83.5 79.74 96.85 92.91 83.53
84 80.59 97.00 93.30 84.29
84.5 81.06 97.10 93.52 84.61
85 81.54 97.21 93.69 84.98
85.5 82.51 97.42 94.11 85.71
86 83.07 97.51 94.28 86.08
86.5 83.75 97.64 94.62 86.72
87 84.16 97.73 94.74 87.02
87.5 84.97 97.89 95.03 87.67
88 85.37 97.93 95.19 88.02
88.5 86.18 98.05 95.46 88.67
89 86.62 98.11 95.58 89.10
89.5 87.55 98.24 95.88 89.82
90 88.04 98.31 96.05 90.18
90.5 88.51 98.35 96.24 90.59
91 88.81 98.38 96.32 90.88
91.5 89.28 98.44 96.46 91.27
92 89.98 98.57 96.71 91.76
93 90.97 98.73 97.03 92.56
93.5 91.82 98.85 97.35 93.19
94 92.52 98.97 97.57 93.69
94.5 93.68 99.12 97.93 94.53
95 94.57 99.21 98.21 95.20
95.5 94.92 99.25 98.34 95.46
96 95.85 99.38 98.64 96.28
96.5 96.11 99.42 98.71 96.50
97 96.77 99.51 98.92 97.12
97.5 97.69 99.65 99.24 97.93
98 98.94 99.89 99.66 98.94
98.5 99.62 99.95 99.88 99.61
99 99.91 99.99 99.98 99.89
99.5 99.98 100.00 100.00 99.94
100 100.00 100.00 100.00 100.00

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Race or ethnicity (location-based distribution)
Percent
Score Non-
Hispanic
white
Black Hispanic Asian
0 0.01 0.03 0.02 0.01
0.5 0.30 0.74 0.49 0.32
1 1.29 3.23 2.15 1.40
1.5 1.59 3.95 2.62 1.72
2 2.00 4.87 3.26 2.09
2.5 2.33 5.68 3.81 2.40
3 2.84 6.90 4.68 2.95
3.5 3.28 7.96 5.35 3.37
4 3.74 9.01 6.11 3.84
4.5 3.89 9.39 6.38 4.02
5 4.61 11.08 7.52 4.76
5.5 5.19 12.43 8.43 5.29
6 5.79 13.69 9.28 5.83
6.5 6.11 14.41 9.80 6.16
7 6.69 15.57 10.68 6.64
7.5 6.95 16.13 11.09 6.92
8 7.44 17.09 11.78 7.35
8.5 7.67 17.52 12.10 7.54
9 7.99 18.22 12.59 7.82
9.5 8.27 18.80 13.03 8.07
10 8.62 19.55 13.52 8.41
10.5 8.88 20.07 13.90 8.65
11 9.31 20.92 14.50 9.12
11.5 9.65 21.60 15.01 9.41
12 10.31 22.78 15.89 10.09
12.5 10.69 23.45 16.37 10.41
13 11.17 24.32 17.01 10.83
13.5 11.54 24.98 17.53 11.22
14 12.19 26.13 18.46 11.85
14.5 12.56 26.77 18.99 12.15
15 13.11 27.65 19.76 12.68
15.5 13.45 28.21 20.27 13.03
16 13.93 29.02 20.98 13.54
16.5 14.29 29.57 21.47 13.94
17 14.71 30.32 22.09 14.37
17.5 15.01 30.88 22.48 14.65
18 15.44 31.52 23.07 15.07
18.5 15.74 32.00 23.44 15.32
19 16.14 32.59 23.94 15.71
19.5 16.41 33.02 24.30 16.00
20 17.63 35.90 26.31 17.19
20.5 18.03 36.76 26.97 17.63
21 18.62 37.82 27.91 18.20
21.5 18.91 38.32 28.34 18.51
22 19.35 39.02 28.95 18.96
22.5 19.67 39.54 29.40 19.28
23 20.07 40.20 29.98 19.64
23.5 20.45 40.75 30.54 20.00
24 21.05 41.68 31.46 20.65
24.5 21.43 42.19 31.93 21.02
25 21.90 42.86 32.60 21.45
25.5 22.20 43.32 33.04 21.72
26 22.66 43.97 33.67 22.13
26.5 23.07 44.50 34.22 22.52
27 23.67 45.21 35.03 23.07
27.5 24.02 45.74 35.54 23.45
28 24.61 46.47 36.24 23.98
28.5 24.99 46.99 36.82 24.38
29 25.70 47.87 37.75 25.13
29.5 26.11 48.32 38.22 25.53
30 26.64 48.99 38.91 26.10
30.5 27.00 49.40 39.31 26.44
31 27.61 50.15 40.10 27.07
31.5 27.97 50.54 40.54 27.43
32 28.47 51.14 41.18 27.95
32.5 28.88 51.61 41.75 28.39
33 29.39 52.13 42.32 28.85
33.5 29.80 52.64 42.87 29.30
34 30.34 53.23 43.57 29.85
34.5 30.80 53.71 44.13 30.31
35 31.51 54.48 44.91 31.03
35.5 31.77 54.76 45.21 31.33
36 32.48 55.48 46.03 32.11
36.5 32.80 55.82 46.45 32.45
37 33.58 56.58 47.40 33.29
37.5 33.89 56.88 47.72 33.61
38 34.64 57.66 48.55 34.49
38.5 34.93 57.94 48.87 34.81
39 35.58 58.55 49.63 35.60
39.5 35.81 58.79 49.90 35.85
40 36.31 59.28 50.52 36.38
40.5 36.70 59.72 50.92 36.84
41 37.27 60.28 51.59 37.43
41.5 37.54 60.50 51.87 37.71
42 38.19 61.11 52.59 38.32
42.5 38.58 61.49 53.04 38.76
43 39.18 62.09 53.65 39.32
43.5 39.56 62.42 54.06 39.77
44 40.20 63.03 54.80 40.45
44.5 40.75 63.45 55.35 41.05
45 41.22 63.92 55.92 41.57
45.5 41.75 64.35 56.48 42.14
46 42.31 64.85 57.05 42.72
46.5 42.68 65.17 57.38 43.13
47 43.43 65.82 58.15 43.96
47.5 43.77 66.10 58.48 44.34
48 44.56 66.72 59.21 45.13
48.5 44.95 67.06 59.58 45.51
49 45.42 67.46 60.01 45.98
49.5 45.93 67.86 60.49 46.45
50 46.56 68.41 61.13 47.11
50.5 46.86 68.63 61.40 47.43
51 47.46 69.13 61.98 48.12
51.5 47.87 69.47 62.38 48.59
52 48.45 69.89 62.94 49.22
52.5 48.85 70.24 63.36 49.64
53 49.41 70.69 63.94 50.35
53.5 49.92 71.11 64.38 50.93
54 50.54 71.63 65.01 51.65
54.5 50.85 71.85 65.32 52.01
55 51.53 72.36 66.02 52.78
55.5 51.91 72.64 66.38 53.20
56 52.54 73.09 66.94 53.83
56.5 52.92 73.39 67.31 54.29
57 53.56 73.85 67.89 54.99
57.5 53.94 74.09 68.26 55.40
58 54.57 74.49 68.80 56.02
58.5 54.99 74.81 69.18 56.54
59 55.60 75.24 69.68 57.20
59.5 56.04 75.53 70.08 57.61
60 56.74 76.03 70.70 58.37
60.5 57.05 76.25 70.97 58.75
61 57.55 76.60 71.41 59.23
61.5 58.06 76.94 71.85 59.74
62 58.56 77.27 72.26 60.22
62.5 59.09 77.65 72.72 60.77
63 59.63 78.01 73.13 61.36
63.5 60.32 78.46 73.71 62.13
64 61.02 78.93 74.29 62.85
64.5 61.33 79.13 74.53 63.16
65 61.99 79.58 75.09 63.92
65.5 62.40 79.85 75.46 64.32
66 63.06 80.24 75.99 64.93
66.5 63.58 80.60 76.44 65.50
67 63.95 80.82 76.73 65.85
67.5 64.77 81.40 77.45 66.77
68 65.02 81.60 77.66 67.08
68.5 65.36 81.79 77.92 67.42
69 66.18 82.29 78.58 68.26
69.5 66.60 82.53 78.88 68.65
70 67.05 82.81 79.25 69.13
70.5 67.48 83.15 79.60 69.54
71 67.83 83.34 79.85 69.90
71.5 68.17 83.57 80.13 70.25
72 68.94 84.02 80.71 71.04
73 69.80 84.55 81.33 71.89
73.5 70.17 84.81 81.61 72.21
74 70.60 85.09 81.92 72.62
74.5 71.50 85.64 82.64 73.55
75 72.40 86.32 83.33 74.37
75.5 72.85 86.56 83.64 74.76
76 73.27 86.78 83.89 75.13
76.5 73.78 87.04 84.20 75.62
77 74.85 87.66 85.00 76.80
78 75.85 88.21 85.66 77.75
78.5 76.24 88.43 85.91 78.12
79 76.86 88.76 86.28 78.65
79.5 77.26 89.00 86.55 79.00
80 77.78 89.28 86.92 79.48
80.5 78.42 89.65 87.37 80.09
81 79.37 90.13 87.96 80.94
81.5 79.81 90.36 88.22 81.36
82 80.23 90.54 88.46 81.72
82.5 80.70 90.79 88.76 82.12
83 81.19 91.03 89.06 82.56
83.5 81.86 91.38 89.47 83.13
84 82.63 91.74 89.93 83.81
84.5 83.05 91.95 90.18 84.18
85 83.47 92.18 90.43 84.54
85.5 84.35 92.63 90.98 85.32
86 84.84 92.86 91.25 85.78
86.5 85.45 93.13 91.63 86.37
87 85.82 93.29 91.85 86.73
87.5 86.53 93.62 92.27 87.39
88 86.88 93.77 92.46 87.75
88.5 87.59 94.12 92.86 88.36
89 87.98 94.29 93.10 88.70
89.5 88.80 94.67 93.55 89.44
90 89.23 94.87 93.79 89.78
90.5 89.64 95.04 94.03 90.15
91 89.90 95.14 94.16 90.40
91.5 90.32 95.34 94.38 90.78
92 90.93 95.61 94.73 91.39
93 91.79 96.02 95.21 92.16
93.5 92.54 96.39 95.66 92.82
94 93.18 96.73 96.02 93.35
94.5 94.23 97.29 96.66 94.24
95 95.03 97.65 97.13 95.02
95.5 95.35 97.80 97.31 95.32
96 96.22 98.23 97.83 96.19
96.5 96.45 98.34 97.97 96.42
97 97.05 98.62 98.30 96.96
97.5 97.89 99.08 98.82 97.86
98 99.02 99.60 99.44 98.93
98.5 99.66 99.86 99.80 99.56
99 99.92 99.97 99.95 99.88
99.5 99.98 100.00 99.99 99.97
100 100.00 100.00 100.00 100.00

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Sex
Percent
Score Male Female
0 0.01 0.02
0.5 0.34 0.43
1 1.53 1.84
1.5 1.90 2.24
2 2.38 2.76
2.5 2.81 3.19
3 3.46 3.86
3.5 4.03 4.42
4 4.60 5.04
4.5 4.80 5.25
5 5.67 6.19
5.5 6.40 6.93
6 7.15 7.64
6.5 7.56 8.03
7 8.32 8.72
7.5 8.67 9.01
8 9.28 9.57
8.5 9.57 9.82
9 9.99 10.21
9.5 10.35 10.53
10 10.78 10.96
10.5 11.12 11.27
11 11.66 11.75
11.5 12.06 12.18
12 12.81 12.99
12.5 13.28 13.40
13 13.85 13.97
13.5 14.30 14.41
14 15.04 15.21
14.5 15.48 15.64
15 16.13 16.28
15.5 16.56 16.65
16 17.13 17.21
16.5 17.58 17.60
17 18.09 18.08
17.5 18.46 18.41
18 18.96 18.88
18.5 19.32 19.20
19 19.81 19.62
19.5 20.13 19.92
20 21.59 21.25
20.5 22.07 21.64
21 22.69 22.24
21.5 23.05 22.53
22 23.58 22.97
22.5 23.94 23.34
23 24.40 23.79
23.5 24.84 24.20
24 25.54 24.89
24.5 25.96 25.29
25 26.52 25.78
25.5 26.86 26.13
26 27.41 26.60
26.5 27.88 27.03
27 28.55 27.68
27.5 28.95 28.07
28 29.63 28.68
28.5 30.08 29.06
29 30.91 29.77
29.5 31.34 30.18
30 31.93 30.74
30.5 32.32 31.12
31 32.98 31.80
31.5 33.39 32.16
32 33.91 32.69
32.5 34.36 33.13
33 34.92 33.65
33.5 35.36 34.08
34 35.99 34.58
34.5 36.51 35.05
35 37.29 35.77
35.5 37.57 36.03
36 38.35 36.73
36.5 38.71 37.04
37 39.60 37.79
37.5 39.95 38.09
38 40.79 38.83
38.5 41.12 39.11
39 41.81 39.75
39.5 42.04 40.00
40 42.58 40.49
40.5 42.99 40.90
41 43.61 41.45
41.5 43.89 41.72
42 44.54 42.38
42.5 44.92 42.78
43 45.52 43.40
43.5 45.93 43.76
44 46.59 44.40
44.5 47.13 44.94
45 47.63 45.42
45.5 48.16 45.95
46 48.74 46.47
46.5 49.12 46.82
47 49.87 47.55
47.5 50.21 47.87
48 50.97 48.58
48.5 51.35 48.94
49 51.82 49.36
49.5 52.30 49.81
50 52.91 50.37
50.5 53.24 50.62
51 53.78 51.18
51.5 54.20 51.56
52 54.76 52.11
52.5 55.17 52.50
53 55.72 53.04
53.5 56.23 53.51
54 56.85 54.08
54.5 57.16 54.37
55 57.76 55.02
55.5 58.14 55.36
56 58.75 55.86
56.5 59.11 56.21
57 59.71 56.78
57.5 60.06 57.11
58 60.64 57.68
58.5 61.05 58.07
59 61.67 58.60
59.5 62.09 59.00
60 62.71 59.64
60.5 63.00 59.96
61 63.49 60.41
61.5 63.93 60.89
62 64.40 61.36
62.5 64.89 61.88
63 65.38 62.37
63.5 65.93 62.92
64 66.48 63.49
64.5 66.75 63.75
65 67.28 64.28
65.5 67.62 64.60
66 68.16 65.13
66.5 68.48 65.46
67 68.78 65.73
67.5 69.41 66.39
68 69.62 66.61
68.5 69.91 66.88
69 70.57 67.48
69.5 70.96 67.87
70 71.30 68.28
70.5 71.71 68.65
71 72.03 68.95
71.5 72.33 69.22
72 72.99 69.89
73 73.76 70.65
73.5 74.05 71.02
74 74.43 71.40
74.5 75.01 72.15
75 75.63 72.74
75.5 76.05 73.16
76 76.44 73.51
76.5 76.91 74.01
77 77.90 75.01
78 78.79 75.91
78.5 79.14 76.29
79 79.68 76.86
79.5 80.05 77.26
80 80.50 77.78
80.5 81.01 78.35
81 81.89 79.29
81.5 82.30 79.72
82 82.68 80.13
82.5 83.15 80.57
83 83.58 81.05
83.5 84.17 81.66
84 84.88 82.41
84.5 85.31 82.79
85 85.69 83.21
85.5 86.48 84.08
86 86.97 84.52
86.5 87.57 85.09
87 87.92 85.44
87.5 88.57 86.16
88 88.89 86.52
88.5 89.52 87.25
89 89.87 87.64
89.5 90.56 88.51
90 90.94 88.95
90.5 91.31 89.37
91 91.55 89.62
91.5 91.91 90.07
92 92.45 90.70
93 93.23 91.58
93.5 93.87 92.37
94 94.39 93.03
94.5 95.22 94.11
95 95.90 94.92
95.5 96.19 95.23
96 96.88 96.09
96.5 97.07 96.33
97 97.57 96.95
97.5 98.25 97.82
98 99.20 98.99
98.5 99.69 99.65
99 99.92 99.92
99.5 99.98 99.98
100 100.00 100.00

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Age (years)
Percent
Score Younger
than 30
30-39 40-49 50-61 62 or
older
0 0.02 0.01 0.02 0.01 0.00
0.5 0.49 0.64 0.46 0.29 0.07
1 2.65 2.64 1.87 1.18 0.39
1.5 3.26 3.26 2.32 1.41 0.48
2 4.06 4.03 2.87 1.77 0.61
2.5 4.74 4.70 3.35 2.06 0.71
3 5.93 5.64 4.01 2.52 0.90
3.5 6.88 6.56 4.59 2.85 1.06
4 7.77 7.58 5.18 3.30 1.19
4.5 8.13 7.95 5.38 3.42 1.23
5 9.58 9.36 6.41 4.00 1.46
5.5 10.64 10.61 7.25 4.45 1.64
6 11.79 11.67 8.05 5.01 1.86
6.5 12.41 12.34 8.45 5.27 1.98
7 13.48 13.55 9.21 5.76 2.17
7.5 14.08 14.02 9.53 5.96 2.25
8 14.99 14.88 10.21 6.35 2.47
8.5 15.38 15.28 10.51 6.55 2.56
9 15.96 15.93 10.97 6.82 2.69
9.5 16.44 16.46 11.35 7.04 2.82
10 17.12 17.07 11.83 7.37 2.95
10.5 17.59 17.51 12.20 7.61 3.07
11 18.38 18.28 12.72 8.02 3.25
11.5 18.85 18.84 13.26 8.40 3.39
12 19.55 19.99 14.22 9.14 3.72
12.5 20.03 20.53 14.80 9.54 3.92
13 20.63 21.27 15.51 10.13 4.16
13.5 21.16 21.87 16.08 10.50 4.33
14 22.35 22.84 16.92 11.17 4.65
14.5 23.00 23.41 17.40 11.50 4.83
15 23.99 24.22 18.10 12.08 5.08
15.5 24.58 24.76 18.51 12.43 5.24
16 25.30 25.51 19.16 12.90 5.52
16.5 25.92 26.02 19.64 13.26 5.70
17 26.56 26.69 20.21 13.66 5.94
17.5 26.98 27.21 20.60 13.95 6.13
18 27.63 27.85 21.18 14.32 6.35
18.5 28.04 28.25 21.57 14.62 6.53
19 28.61 28.84 22.11 15.04 6.74
19.5 29.00 29.27 22.45 15.31 6.88
20 32.14 31.04 23.69 16.18 7.30
20.5 32.87 31.60 24.15 16.50 7.48
21 33.88 32.36 24.78 16.97 7.79
21.5 34.41 32.73 25.14 17.21 7.95
22 35.04 33.34 25.72 17.65 8.17
22.5 35.43 33.82 26.15 17.97 8.36
23 36.02 34.40 26.65 18.37 8.60
23.5 36.60 34.96 27.13 18.73 8.79
24 37.75 35.81 27.88 19.29 9.10
24.5 38.36 36.29 28.30 19.64 9.33
25 39.14 36.93 28.83 20.06 9.66
25.5 39.70 37.35 29.18 20.35 9.83
26 40.47 37.96 29.70 20.82 10.05
26.5 41.11 38.55 30.17 21.27 10.23
27 42.04 39.32 30.92 21.86 10.55
27.5 42.54 39.81 31.34 22.27 10.75
28 43.50 40.65 32.03 22.77 11.06
28.5 44.17 41.09 32.46 23.15 11.26
29 45.22 42.03 33.32 23.83 11.67
29.5 45.89 42.50 33.72 24.22 11.92
30 46.58 43.20 34.34 24.79 12.26
30.5 47.04 43.68 34.74 25.17 12.46
31 47.92 44.54 35.46 25.78 12.81
31.5 48.46 44.96 35.84 26.17 13.04
32 49.12 45.51 36.41 26.66 13.44
32.5 49.71 46.02 36.89 27.10 13.70
33 50.41 46.68 37.43 27.61 14.01
33.5 50.90 47.17 37.91 28.06 14.31
34 51.69 47.75 38.49 28.59 14.70
34.5 52.45 48.34 38.94 29.04 14.98
35 53.48 49.13 39.72 29.76 15.49
35.5 53.84 49.44 40.01 29.99 15.69
36 54.87 50.26 40.80 30.74 16.10
36.5 55.23 50.62 41.16 31.09 16.34
37 56.17 51.46 42.06 31.98 16.86
37.5 56.76 51.75 42.39 32.27 17.07
38 57.97 52.61 43.19 32.97 17.54
38.5 58.32 52.93 43.51 33.29 17.77
39 59.33 53.59 44.19 33.88 18.26
39.5 59.63 53.87 44.46 34.11 18.39
40 60.35 54.44 45.01 34.62 18.65
40.5 60.92 54.84 45.43 35.08 18.89
41 61.72 55.42 46.04 35.72 19.23
41.5 62.16 55.68 46.34 35.98 19.40
42 63.02 56.39 47.02 36.64 19.80
42.5 63.49 56.82 47.41 37.10 20.05
43 64.21 57.42 48.05 37.77 20.47
43.5 64.67 57.79 48.48 38.24 20.70
44 65.70 58.43 49.10 38.90 21.08
44.5 66.36 58.95 49.70 39.49 21.44
45 67.04 59.38 50.21 40.01 21.80
45.5 67.60 59.89 50.77 40.57 22.24
46 68.16 60.43 51.33 41.25 22.70
46.5 68.52 60.75 51.73 41.69 22.97
47 69.40 61.42 52.45 42.45 23.67
47.5 69.80 61.69 52.80 42.80 23.98
48 70.59 62.32 53.57 43.58 24.68
48.5 71.06 62.65 53.91 44.00 24.99
49 71.59 63.07 54.35 44.42 25.43
49.5 72.25 63.50 54.77 44.84 25.87
50 73.00 64.05 55.31 45.41 26.43
50.5 73.38 64.26 55.57 45.73 26.70
51 74.28 64.84 56.04 46.27 27.06
51.5 74.98 65.23 56.45 46.63 27.30
52 75.79 65.82 57.00 47.11 27.68
52.5 76.39 66.27 57.41 47.45 27.94
53 77.14 66.86 57.94 47.94 28.37
53.5 77.94 67.32 58.40 48.43 28.66
54 78.82 67.93 58.96 49.01 29.09
54.5 79.24 68.25 59.28 49.31 29.26
55 80.22 68.85 59.92 49.90 29.68
55.5 80.74 69.24 60.24 50.26 29.90
56 81.47 69.75 60.77 50.78 30.43
56.5 81.92 70.10 61.17 51.10 30.72
57 82.78 70.69 61.76 51.66 31.09
57.5 83.31 71.05 62.07 51.98 31.31
58 84.10 71.67 62.66 52.53 31.70
58.5 84.56 72.13 63.11 52.95 31.94
59 85.30 72.69 63.73 53.51 32.37
59.5 85.77 73.09 64.14 53.94 32.72
60 86.44 73.76 64.75 54.59 33.31
60.5 86.94 74.05 65.01 54.87 33.52
61 87.61 74.54 65.47 55.27 33.90
61.5 88.12 75.01 65.94 55.75 34.31
62 88.66 75.53 66.44 56.20 34.65
62.5 89.38 76.04 66.91 56.69 35.05
63 89.81 76.56 67.36 57.17 35.59
63.5 90.36 77.09 67.95 57.74 36.11
64 90.87 77.69 68.50 58.35 36.65
64.5 91.19 77.98 68.71 58.63 36.87
65 91.75 78.54 69.21 59.18 37.38
65.5 92.07 78.89 69.53 59.52 37.70
66 92.47 79.40 70.11 60.12 38.24
66.5 92.80 79.66 70.44 60.45 38.62
67 93.00 79.97 70.76 60.75 38.87
67.5 93.48 80.59 71.43 61.43 39.62
68 93.64 80.82 71.65 61.67 39.83
68.5 93.81 81.14 71.94 61.96 40.13
69 94.33 81.77 72.55 62.59 40.87
69.5 94.55 82.26 72.99 63.03 41.18
70 94.83 82.61 73.39 63.44 41.61
70.5 95.15 82.98 73.78 63.86 42.02
71 95.37 83.25 74.10 64.27 42.35
71.5 95.53 83.53 74.40 64.63 42.63
72 95.89 84.18 75.13 65.43 43.36
73 96.25 84.83 75.89 66.30 44.40
73.5 96.35 85.18 76.24 66.66 44.85
74 96.53 85.59 76.65 67.02 45.33
74.5 96.80 86.10 77.15 67.59 46.71
75 96.95 86.37 77.56 68.05 48.31
75.5 97.30 86.75 77.95 68.50 48.82
76 97.43 87.12 78.28 69.02 49.29
76.5 97.57 87.63 78.92 69.55 49.82
77 98.21 88.43 79.74 70.65 51.30
78 98.39 89.07 80.61 71.68 52.86
78.5 98.50 89.30 80.99 72.14 53.45
79 98.58 89.60 81.43 72.80 54.58
79.5 98.66 89.90 81.85 73.29 55.15
80 98.76 90.33 82.32 73.83 55.96
80.5 98.85 90.68 82.77 74.40 57.06
81 99.01 91.40 83.70 75.61 58.40
81.5 99.11 91.72 84.12 76.14 59.04
82 99.17 91.99 84.49 76.65 59.73
82.5 99.22 92.33 84.91 77.24 60.47
83 99.28 92.65 85.38 77.83 61.21
83.5 99.31 93.01 85.90 78.49 62.49
84 99.40 93.61 86.65 79.47 63.56
84.5 99.43 93.91 87.06 79.99 64.21
85 99.47 94.14 87.48 80.55 64.86
85.5 99.52 94.64 88.26 81.68 66.35
86 99.55 94.97 88.69 82.34 67.11
86.5 99.59 95.39 89.33 83.15 67.95
87 99.62 95.61 89.69 83.62 68.54
87.5 99.65 96.01 90.43 84.57 69.67
88 99.68 96.22 90.75 85.04 70.25
88.5 99.72 96.56 91.45 85.97 71.46
89 99.75 96.74 91.81 86.49 72.13
89.5 99.80 97.07 92.56 87.59 73.58
90 99.81 97.25 92.90 88.14 74.45
90.5 99.82 97.40 93.24 88.66 75.27
91 99.83 97.48 93.46 88.98 75.81
91.5 99.85 97.69 93.79 89.53 76.62
92 99.87 97.94 94.41 90.28 77.75
93 99.88 98.29 95.07 91.22 79.71
93.5 99.89 98.51 95.48 91.88 81.77
94 99.91 98.66 95.80 92.42 83.54
94.5 99.93 98.86 96.20 93.21 86.65
95 99.94 99.04 96.66 93.98 88.74
95.5 99.94 99.11 96.87 94.38 89.48
96 99.96 99.30 97.38 95.21 91.57
96.5 99.97 99.36 97.55 95.48 92.09
97 99.98 99.50 97.98 96.14 93.50
97.5 99.98 99.65 98.49 97.03 95.60
98 100.00 99.88 99.29 98.53 98.03
98.5 100.00 99.96 99.67 99.35 99.46
99 100.00 99.99 99.93 99.83 99.89
99.5 100.00 100.00 99.98 99.96 99.98
100 100.00 100.00 100.00 100.00 100.00

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Marital status
Percent
Score Married
male
Single
male
Married
female
Single
female
0 0.01 0.01 0.01 0.02
0.5 0.17 0.54 0.24 0.59
1 0.84 2.27 1.00 2.63
1.5 1.07 2.76 1.24 3.14
2 1.34 3.43 1.57 3.85
2.5 1.61 4.02 1.79 4.46
3 2.01 4.90 2.17 5.35
3.5 2.36 5.69 2.51 6.10
4 2.70 6.42 2.85 6.97
4.5 2.81 6.70 2.98 7.23
5 3.28 7.96 3.57 8.44
5.5 3.74 8.89 4.00 9.50
6 4.21 9.80 4.45 10.43
6.5 4.46 10.29 4.69 10.98
7 4.97 11.28 5.14 11.85
7.5 5.20 11.74 5.31 12.23
8 5.60 12.43 5.68 12.97
8.5 5.79 12.82 5.83 13.33
9 6.08 13.26 6.10 13.82
9.5 6.32 13.69 6.31 14.21
10 6.60 14.26 6.56 14.80
10.5 6.81 14.62 6.77 15.17
11 7.18 15.32 7.04 15.83
11.5 7.47 15.84 7.36 16.35
12 8.06 16.72 7.98 17.34
12.5 8.44 17.26 8.37 17.75
13 8.92 17.90 8.80 18.47
13.5 9.19 18.56 9.13 18.99
14 9.76 19.47 9.77 19.89
14.5 10.08 20.05 10.09 20.42
15 10.58 20.76 10.58 21.12
15.5 10.88 21.26 10.86 21.53
16 11.30 21.92 11.28 22.26
16.5 11.66 22.41 11.57 22.70
17 12.07 22.96 11.90 23.29
17.5 12.37 23.38 12.14 23.71
18 12.75 23.98 12.48 24.30
18.5 13.05 24.38 12.73 24.73
19 13.46 24.97 13.04 25.22
19.5 13.71 25.30 13.27 25.60
20 14.45 27.01 13.92 27.20
20.5 14.75 27.53 14.16 27.68
21 15.17 28.26 14.57 28.38
21.5 15.46 28.62 14.77 28.74
22 15.87 29.21 15.13 29.23
22.5 16.15 29.60 15.39 29.68
23 16.53 30.10 15.74 30.24
23.5 16.88 30.57 16.08 30.69
24 17.40 31.38 16.63 31.50
24.5 17.72 31.88 16.98 31.92
25 18.13 32.59 17.36 32.48
25.5 18.38 33.00 17.62 32.95
26 18.79 33.65 17.99 33.46
26.5 19.17 34.19 18.34 33.89
27 19.70 35.01 18.86 34.63
27.5 20.03 35.50 19.19 35.06
28 20.62 36.21 19.69 35.76
28.5 21.00 36.72 20.02 36.17
29 21.69 37.71 20.58 37.04
29.5 22.05 38.19 20.95 37.54
30 22.58 38.85 21.44 38.17
30.5 22.92 39.26 21.77 38.59
31 23.45 40.07 22.36 39.38
31.5 23.79 40.56 22.70 39.76
32 24.25 41.14 23.15 40.38
32.5 24.65 41.64 23.53 40.91
33 25.16 42.23 23.99 41.45
33.5 25.54 42.78 24.37 41.97
34 26.12 43.42 24.84 42.51
34.5 26.57 44.02 25.27 43.00
35 27.29 44.85 25.95 43.74
35.5 27.53 45.20 26.15 44.09
36 28.25 46.08 26.78 44.88
36.5 28.57 46.46 27.07 45.24
37 29.37 47.49 27.80 46.00
37.5 29.72 47.83 28.10 46.30
38 30.52 48.73 28.80 47.03
38.5 30.86 49.01 29.06 47.36
39 31.53 49.69 29.71 48.00
39.5 31.76 49.92 29.96 48.25
40 32.29 50.46 30.44 48.76
40.5 32.68 50.88 30.83 49.19
41 33.27 51.56 31.37 49.77
41.5 33.55 51.83 31.61 50.07
42 34.19 52.51 32.25 50.75
42.5 34.56 52.96 32.65 51.13
43 35.13 53.56 33.23 51.78
43.5 35.51 54.00 33.60 52.12
44 36.12 54.71 34.24 52.74
44.5 36.66 55.27 34.79 53.32
45 37.15 55.78 35.26 53.83
45.5 37.71 56.30 35.80 54.39
46 38.35 56.87 36.37 54.91
46.5 38.76 57.23 36.72 55.27
47 39.58 57.96 37.46 56.02
47.5 39.93 58.32 37.77 56.35
48 40.70 59.04 38.51 57.01
48.5 41.11 59.41 38.84 57.37
49 41.58 59.87 39.30 57.75
49.5 42.07 60.35 39.75 58.20
50 42.71 60.98 40.31 58.74
50.5 43.07 61.27 40.58 58.97
51 43.61 61.84 41.19 59.45
51.5 44.06 62.26 41.58 59.78
52 44.65 62.81 42.11 60.29
52.5 45.09 63.17 42.46 60.67
53 45.66 63.66 42.98 61.24
53.5 46.20 64.11 43.46 61.66
54 46.82 64.79 44.06 62.21
54.5 47.13 65.14 44.37 62.47
55 47.76 65.73 45.05 63.14
55.5 48.17 66.07 45.39 63.43
56 48.78 66.71 45.88 63.94
56.5 49.15 67.04 46.26 64.26
57 49.81 67.63 46.88 64.74
57.5 50.18 67.97 47.25 65.02
58 50.78 68.48 47.90 65.51
58.5 51.25 68.86 48.33 65.85
59 51.91 69.47 48.86 66.37
59.5 52.39 69.83 49.26 66.75
60 53.11 70.36 49.97 67.31
60.5 53.44 70.60 50.27 67.59
61 53.97 71.04 50.78 67.97
61.5 54.44 71.46 51.32 68.35
62 54.96 71.84 51.82 68.81
62.5 55.49 72.24 52.39 69.23
63 56.04 72.69 52.92 69.69
63.5 56.66 73.17 53.53 70.20
64 57.29 73.63 54.17 70.70
64.5 57.59 73.88 54.45 70.92
65 58.20 74.38 55.07 71.35
65.5 58.59 74.69 55.44 71.59
66 59.18 75.25 56.08 72.04
66.5 59.54 75.54 56.44 72.34
67 59.89 75.76 56.76 72.57
67.5 60.63 76.29 57.51 73.12
68 60.86 76.50 57.74 73.32
68.5 61.20 76.71 58.06 73.54
69 62.01 77.21 58.75 74.09
69.5 62.45 77.54 59.21 74.43
70 62.84 77.84 59.68 74.78
70.5 63.34 78.13 60.09 75.12
71 63.70 78.45 60.44 75.38
71.5 64.08 78.70 60.76 75.61
72 64.92 79.19 61.57 76.16
73 65.84 79.89 62.47 76.81
73.5 66.20 80.14 62.90 77.14
74 66.66 80.42 63.35 77.43
74.5 67.34 81.00 64.18 78.14
75 68.03 81.58 64.80 78.76
75.5 68.54 81.92 65.28 79.08
76 69.03 82.26 65.74 79.34
76.5 69.64 82.63 66.39 79.68
77 70.79 83.52 67.53 80.57
78 71.91 84.21 68.64 81.30
78.5 72.38 84.43 69.13 81.57
79 73.05 84.83 69.82 82.08
79.5 73.53 85.11 70.36 82.36
80 74.09 85.53 70.99 82.81
80.5 74.72 85.97 71.68 83.28
81 75.84 86.68 72.86 84.03
81.5 76.39 86.98 73.39 84.37
82 76.90 87.25 73.90 84.75
82.5 77.48 87.64 74.44 85.11
83 78.01 87.95 75.05 85.51
83.5 78.76 88.43 75.78 86.08
84 79.72 88.91 76.80 86.61
84.5 80.30 89.22 77.31 86.85
85 80.82 89.49 77.88 87.14
85.5 81.86 90.02 79.02 87.80
86 82.54 90.32 79.63 88.10
86.5 83.33 90.76 80.38 88.51
87 83.83 91.01 80.86 88.76
87.5 84.70 91.46 81.82 89.29
88 85.15 91.66 82.26 89.61
88.5 86.01 92.12 83.24 90.15
89 86.49 92.35 83.75 90.46
89.5 87.43 92.87 84.85 91.16
90 87.96 93.09 85.46 91.49
90.5 88.46 93.35 86.02 91.80
91 88.82 93.52 86.35 92.01
91.5 89.30 93.78 86.94 92.37
92 90.01 94.17 87.79 92.84
93 91.00 94.82 88.95 93.55
93.5 91.84 95.31 89.90 94.26
94 92.47 95.77 90.73 94.82
94.5 93.52 96.51 92.09 95.71
95 94.45 97.02 93.12 96.39
95.5 94.84 97.23 93.57 96.59
96 95.80 97.70 94.70 97.22
96.5 96.07 97.85 95.02 97.38
97 96.75 98.22 95.86 97.85
97.5 97.63 98.75 97.01 98.54
98 98.91 99.43 98.60 99.35
98.5 99.57 99.78 99.48 99.81
99 99.90 99.93 99.88 99.97
99.5 99.97 99.97 99.98 99.99
100 100.00 100.00 100.00 100.00

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Income ratio of tract
Percent
Score Low Moderate Middle High
0 0.04 0.03 0.01 0.00
0.5 0.93 0.58 0.34 0.19
1 4.05 2.63 1.45 0.85
1.5 5.07 3.20 1.81 1.02
2 5.82 4.02 2.26 1.28
2.5 6.87 4.66 2.64 1.50
3 8.37 5.69 3.22 1.81
3.5 9.63 6.51 3.72 2.12
4 10.97 7.38 4.25 2.42
4.5 11.48 7.70 4.42 2.51
5 13.30 9.05 5.26 2.98
5.5 14.74 10.18 5.93 3.33
6 16.37 11.22 6.61 3.69
6.5 17.15 11.86 6.96 3.91
7 18.53 12.84 7.64 4.28
7.5 19.26 13.32 7.94 4.43
8 20.40 14.19 8.49 4.72
8.5 20.86 14.59 8.75 4.85
9 21.62 15.19 9.12 5.05
9.5 22.33 15.69 9.43 5.23
10 23.10 16.30 9.84 5.47
10.5 23.63 16.73 10.14 5.65
11 24.70 17.45 10.64 5.90
11.5 25.33 18.03 11.01 6.18
12 26.52 19.03 11.72 6.72
12.5 27.24 19.60 12.15 7.00
13 28.07 20.34 12.69 7.37
13.5 28.70 20.94 13.10 7.66
14 29.69 22.03 13.83 8.12
14.5 30.56 22.58 14.25 8.35
15 31.59 23.44 14.85 8.78
15.5 32.18 23.93 15.24 9.02
16 33.09 24.70 15.77 9.38
16.5 33.60 25.30 16.16 9.65
17 34.54 25.89 16.65 9.98
17.5 35.28 26.38 16.97 10.18
18 35.98 26.98 17.45 10.51
18.5 36.52 27.36 17.78 10.75
19 37.16 27.94 18.21 11.06
19.5 37.66 28.32 18.50 11.29
20 41.75 30.71 19.88 12.02
20.5 42.81 31.47 20.33 12.29
21 44.08 32.53 20.95 12.72
21.5 44.61 33.02 21.28 12.91
22 45.35 33.64 21.78 13.25
22.5 45.96 34.10 22.16 13.46
23 46.85 34.66 22.61 13.76
23.5 47.40 35.17 23.04 14.06
24 48.39 36.09 23.72 14.51
24.5 49.00 36.58 24.14 14.78
25 49.84 37.27 24.66 15.11
25.5 50.32 37.75 24.99 15.33
26 51.11 38.41 25.48 15.68
26.5 51.64 38.97 25.93 16.02
27 52.46 39.80 26.54 16.53
27.5 53.09 40.33 26.93 16.80
28 53.85 41.05 27.59 17.24
28.5 54.44 41.57 28.02 17.54
29 55.18 42.48 28.79 18.14
29.5 55.62 42.95 29.22 18.49
30 56.32 43.54 29.84 18.93
30.5 56.78 43.94 30.21 19.24
31 57.69 44.70 30.85 19.80
31.5 58.05 45.15 31.22 20.12
32 58.62 45.84 31.71 20.60
32.5 59.10 46.39 32.14 20.97
33 59.60 46.95 32.67 21.43
33.5 60.14 47.47 33.10 21.79
34 60.75 48.07 33.69 22.29
34.5 61.32 48.62 34.14 22.73
35 62.02 49.35 34.88 23.42
35.5 62.31 49.63 35.16 23.67
36 62.93 50.42 35.91 24.31
36.5 63.32 50.81 36.23 24.60
37 64.17 51.63 37.07 25.31
37.5 64.43 51.93 37.40 25.60
38 65.18 52.75 38.15 26.36
38.5 65.44 53.03 38.43 26.71
39 65.98 53.67 39.10 27.35
39.5 66.20 53.94 39.33 27.58
40 66.73 54.49 39.83 28.09
40.5 67.17 54.91 40.23 28.48
41 67.71 55.53 40.81 29.04
41.5 67.95 55.78 41.08 29.31
42 68.43 56.43 41.75 29.93
42.5 68.82 56.83 42.16 30.31
43 69.44 57.43 42.75 30.92
43.5 69.75 57.79 43.14 31.32
44 70.37 58.42 43.76 32.02
44.5 70.74 58.91 44.32 32.57
45 71.24 59.39 44.81 33.06
45.5 71.48 59.88 45.35 33.61
46 72.07 60.40 45.90 34.20
46.5 72.31 60.71 46.25 34.61
47 73.00 61.40 47.00 35.40
47.5 73.25 61.75 47.31 35.78
48 73.95 62.38 48.09 36.62
48.5 74.17 62.73 48.46 37.05
49 74.49 63.16 48.93 37.52
49.5 74.73 63.64 49.45 38.01
50 75.19 64.22 50.08 38.69
50.5 75.40 64.46 50.36 39.04
51 75.86 65.00 50.97 39.61
51.5 76.18 65.38 51.38 40.08
52 76.58 65.86 51.95 40.68
52.5 77.01 66.20 52.33 41.15
53 77.39 66.71 52.89 41.76
53.5 77.83 67.16 53.39 42.29
54 78.38 67.71 54.02 42.92
54.5 78.57 67.98 54.31 43.27
55 79.06 68.60 54.95 44.04
55.5 79.41 68.91 55.32 44.46
56 79.91 69.41 55.94 45.10
56.5 80.29 69.69 56.34 45.51
57 80.64 70.22 56.95 46.24
57.5 80.88 70.53 57.30 46.67
58 81.26 70.98 57.93 47.32
58.5 81.61 71.34 58.33 47.79
59 82.01 71.83 58.89 48.49
59.5 82.34 72.17 59.33 48.95
60 82.83 72.73 60.00 49.71
60.5 83.04 73.00 60.31 50.02
61 83.46 73.41 60.78 50.57
61.5 83.75 73.82 61.27 51.09
62 84.07 74.19 61.74 51.66
62.5 84.37 74.61 62.27 52.22
63 84.69 75.00 62.78 52.84
63.5 85.03 75.59 63.40 53.65
64 85.41 76.12 64.05 54.46
64.5 85.57 76.33 64.35 54.81
65 86.02 76.83 64.97 55.57
65.5 86.36 77.19 65.34 56.02
66 86.67 77.66 65.95 56.77
66.5 86.97 78.08 66.47 57.30
67 87.13 78.35 66.82 57.70
67.5 87.69 78.96 67.65 58.57
68 87.87 79.16 67.89 58.86
68.5 88.05 79.37 68.20 59.26
69 88.44 79.95 68.99 60.16
69.5 88.73 80.19 69.36 60.73
70 88.94 80.56 69.77 61.21
70.5 89.24 80.87 70.20 61.68
71 89.42 81.10 70.53 62.06
71.5 89.61 81.35 70.84 62.50
72 90.03 81.88 71.53 63.42
73 90.50 82.43 72.34 64.42
73.5 90.68 82.69 72.70 64.82
74 90.85 82.97 73.10 65.31
74.5 91.30 83.64 73.94 66.32
75 91.89 84.37 74.84 67.21
75.5 92.11 84.65 75.27 67.71
76 92.28 84.87 75.65 68.19
76.5 92.49 85.17 76.11 68.83
77 93.15 85.92 77.10 70.06
78 93.62 86.59 77.99 71.23
78.5 93.75 86.81 78.37 71.67
79 93.95 87.19 78.95 72.35
79.5 94.09 87.42 79.35 72.77
80 94.30 87.72 79.84 73.38
80.5 94.48 88.16 80.43 74.11
81 94.76 88.70 81.33 75.19
81.5 94.93 88.93 81.76 75.67
82 95.10 89.16 82.15 76.14
82.5 95.28 89.45 82.59 76.66
83 95.40 89.74 83.05 77.20
83.5 95.54 90.12 83.69 77.96
84 95.77 90.54 84.40 78.85
84.5 95.89 90.79 84.79 79.32
85 96.02 91.06 85.17 79.80
85.5 96.25 91.60 85.95 80.88
86 96.30 91.85 86.40 81.47
86.5 96.47 92.17 86.94 82.24
87 96.50 92.35 87.27 82.71
87.5 96.67 92.72 87.89 83.63
88 96.75 92.88 88.19 84.09
88.5 96.89 93.25 88.82 84.98
89 96.99 93.42 89.16 85.51
89.5 97.13 93.83 89.90 86.49
90 97.23 94.03 90.29 87.03
90.5 97.29 94.23 90.63 87.59
91 97.34 94.37 90.85 87.93
91.5 97.41 94.59 91.23 88.42
92 97.52 94.91 91.75 89.22
93 97.73 95.36 92.53 90.27
93.5 98.06 95.80 93.24 91.07
94 98.28 96.20 93.83 91.77
94.5 98.62 96.91 94.84 92.87
95 98.79 97.36 95.56 93.82
95.5 98.91 97.51 95.83 94.24
96 99.15 98.00 96.60 95.35
96.5 99.19 98.11 96.83 95.60
97 99.41 98.39 97.37 96.34
97.5 99.63 98.94 98.15 97.29
98 99.84 99.51 99.13 98.76
98.5 99.97 99.86 99.71 99.51
99 99.99 99.97 99.94 99.87
99.5 100.00 100.00 99.99 99.96
100 100.00 100.00 100.00 100.00

Return to figure


Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group

Note. For definition of characteristics, refer to notes to table 9.



Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Race or ethnicity (SSA data)
Percent bad
Score Non-
Hispanic
white
Black Hispanic Asian
0 31.28 36.69 33.23 41.32
0.5 30.46 35.81 32.32 40.05
1 29.63 34.93 31.40 38.78
1.5 28.81 34.05 30.48 37.51
2 27.99 33.16 29.56 36.24
2.5 27.17 32.28 28.65 34.97
3 26.34 31.40 27.73 33.70
3.5 25.52 30.51 26.81 32.43
4 24.70 29.63 25.90 31.16
4.5 23.88 28.75 24.98 29.89
5 23.05 27.87 24.06 28.62
5.5 22.23 26.98 23.14 27.35
6 21.41 26.10 22.23 26.08
6.5 20.59 25.22 21.31 24.81
7 19.76 24.33 20.39 23.54
7.5 18.94 23.45 19.48 22.27
8 18.12 22.57 18.56 21.00
8.5 17.30 21.69 17.64 19.72
9 16.47 20.80 16.72 18.45
9.5 15.65 19.92 15.81 17.18
10 14.83 19.04 14.89 15.91
10.5 14.44 18.71 14.56 15.39
11 14.04 18.38 14.23 14.88
11.5 13.65 18.05 13.89 14.36
12 13.25 17.72 13.56 13.84
12.5 12.86 17.39 13.23 13.32
13 12.46 17.06 12.90 12.80
13.5 12.07 16.73 12.57 12.28
14 11.67 16.39 12.23 11.76
14.5 11.28 16.06 11.90 11.24
15 10.88 15.73 11.57 10.72
15.5 10.49 15.40 11.24 10.20
16 10.09 15.07 10.91 9.68
16.5 9.70 14.74 10.57 9.16
17 9.30 14.41 10.24 8.65
17.5 8.91 14.08 9.91 8.13
18 8.51 13.75 9.58 7.61
18.5 8.12 13.42 9.25 7.09
19 7.72 13.09 8.91 6.57
19.5 7.33 12.76 8.58 6.05
20 6.93 12.43 8.25 5.53
20.5 6.81 12.27 8.10 5.62
21 6.69 12.12 7.94 5.72
21.5 6.57 11.96 7.79 5.81
22 6.45 11.80 7.64 5.90
22.5 6.33 11.65 7.49 6.00
23 6.21 11.49 7.33 6.09
23.5 6.09 11.33 7.18 6.19
24 5.97 11.18 7.03 6.28
24.5 5.85 11.02 6.88 6.37
25 5.73 10.86 6.72 6.47
25.5 5.61 10.71 6.57 6.56
26 5.49 10.55 6.42 6.65
26.5 5.37 10.39 6.27 6.75
27 5.25 10.24 6.11 6.84
27.5 5.13 10.08 5.96 6.93
28 5.01 9.92 5.81 7.03
28.5 4.89 9.77 5.66 7.12
29 4.77 9.61 5.50 7.21
29.5 4.65 9.45 5.35 7.31
30 4.53 9.30 5.20 7.40
30.5 4.43 9.04 5.08 7.11
31 4.32 8.79 4.95 6.83
31.5 4.21 8.54 4.83 6.54
32 4.11 8.28 4.70 6.25
32.5 4.00 8.03 4.58 5.96
33 3.89 7.78 4.46 5.68
33.5 3.78 7.52 4.33 5.39
34 3.68 7.27 4.21 5.10
34.5 3.57 7.02 4.09 4.81
35 3.46 6.77 3.96 4.53
35.5 3.36 6.51 3.84 4.24
36 3.25 6.26 3.72 3.95
36.5 3.14 6.01 3.59 3.66
37 3.03 5.75 3.47 3.38
37.5 2.93 5.50 3.35 3.09
38 2.82 5.25 3.22 2.80
38.5 2.71 5.00 3.10 2.51
39 2.61 4.74 2.98 2.23
39.5 2.50 4.49 2.85 1.94
40 2.39 4.24 2.73 1.65
40.5 2.32 4.17 2.72 1.64
41 2.25 4.10 2.70 1.62
41.5 2.18 4.03 2.69 1.61
42 2.11 3.96 2.68 1.59
42.5 2.04 3.89 2.66 1.58
43 1.97 3.83 2.65 1.56
43.5 1.90 3.76 2.64 1.55
44 1.83 3.69 2.62 1.54
44.5 1.76 3.62 2.61 1.52
45 1.69 3.55 2.59 1.51
45.5 1.62 3.49 2.58 1.49
46 1.55 3.42 2.57 1.48
46.5 1.49 3.35 2.55 1.46
47 1.42 3.28 2.54 1.45
47.5 1.35 3.21 2.53 1.43
48 1.28 3.14 2.51 1.42
48.5 1.21 3.08 2.50 1.41
49 1.14 3.01 2.49 1.39
49.5 1.07 2.94 2.47 1.38
50 1.00 2.87 2.46 1.36
50.5 0.97 2.83 2.37 1.33
51 0.94 2.79 2.29 1.29
51.5 0.91 2.74 2.20 1.25
52 0.88 2.70 2.11 1.21
52.5 0.86 2.66 2.03 1.18
53 0.83 2.62 1.94 1.14
53.5 0.80 2.57 1.86 1.10
54 0.77 2.53 1.77 1.07
54.5 0.74 2.49 1.69 1.03
55 0.71 2.45 1.60 0.99
55.5 0.69 2.40 1.51 0.96
56 0.66 2.36 1.43 0.92
56.5 0.63 2.32 1.34 0.88
57 0.60 2.28 1.26 0.85
57.5 0.57 2.23 1.17 0.81
58 0.54 2.19 1.08 0.77
58.5 0.52 2.15 1.00 0.73
59 0.49 2.11 0.91 0.70
59.5 0.46 2.06 0.83 0.66
60 0.43 2.02 0.74 0.62
60.5 0.43 1.93 0.75 0.59
61 0.43 1.84 0.76 0.56
61.5 0.43 1.75 0.77 0.53
62 0.43 1.65 0.77 0.49
62.5 0.43 1.56 0.78 0.46
63 0.42 1.47 0.79 0.43
63.5 0.42 1.38 0.80 0.40
64 0.42 1.29 0.81 0.36
64.5 0.42 1.19 0.81 0.33
65 0.42 1.10 0.82 0.30
65.5 0.42 1.01 0.83 0.26
66 0.42 0.92 0.84 0.23
66.5 0.42 0.83 0.85 0.20
67 0.42 0.73 0.85 0.17
67.5 0.42 0.64 0.86 0.13
68 0.41 0.55 0.87 0.10
68.5 0.41 0.46 0.88 0.07
69 0.41 0.37 0.89 0.04
69.5 0.41 0.27 0.89 0.00
70 0.41 0.18 0.90 0.00
70.5 0.40 0.21 0.87 0.00
71 0.39 0.23 0.84 0.00
71.5 0.39 0.25 0.81 0.01
72 0.38 0.28 0.78 0.02
73 0.36 0.33 0.72 0.04
73.5 0.36 0.35 0.69 0.05
74 0.35 0.37 0.66 0.06
74.5 0.34 0.40 0.63 0.08
75 0.33 0.42 0.60 0.09
75.5 0.32 0.45 0.57 0.10
76 0.32 0.47 0.54 0.11
76.5 0.31 0.49 0.51 0.12
77 0.30 0.52 0.48 0.14
78 0.28 0.57 0.42 0.16
78.5 0.28 0.59 0.38 0.17
79 0.27 0.62 0.35 0.18
79.5 0.26 0.64 0.32 0.19
80 0.25 0.66 0.29 0.21
80.5 0.25 0.69 0.28 0.20
81 0.24 0.72 0.26 0.19
81.5 0.23 0.74 0.24 0.18
82 0.22 0.77 0.23 0.17
82.5 0.22 0.80 0.21 0.16
83 0.21 0.82 0.19 0.15
83.5 0.20 0.85 0.18 0.14
84 0.20 0.88 0.16 0.14
84.5 0.19 0.90 0.14 0.13
85 0.18 0.93 0.13 0.12
85.5 0.18 0.96 0.11 0.11
86 0.17 0.98 0.09 0.10
86.5 0.16 1.01 0.08 0.09
87 0.15 1.04 0.06 0.08
87.5 0.15 1.06 0.04 0.07
88 0.14 1.09 0.03 0.06
88.5 0.13 1.12 0.01 0.05
89 0.13 1.14 0.00 0.05
89.5 0.12 1.17 0.00 0.04
90 0.11 1.20 0.00 0.03
90.5 0.12 1.10 0.00 0.06
91 0.12 1.01 0.00 0.09
91.5 0.13 0.91 0.00 0.12
92 0.14 0.82 0.00 0.15
93 0.15 0.63 0.01 0.21
93.5 0.16 0.53 0.02 0.24
94 0.16 0.44 0.02 0.27
94.5 0.17 0.34 0.03 0.30
95 0.18 0.25 0.04 0.33
95.5 0.18 0.16 0.05 0.36
96 0.19 0.06 0.06 0.39
96.5 0.19 0.00 0.06 0.42
97 0.20 0.00 0.07 0.45
97.5 0.21 0.00 0.08 0.48
98 0.21 0.00 0.09 0.51
98.5 0.22 0.00 0.10 0.54
99 0.23 0.00 0.11 0.58
99.5 0.23 0.00 0.11 0.61
100 0.24 0.00 0.12 0.64

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Race or ethnicity (location-based distribution)
Percent bad
Score Non-
Hispanic
white
Black Hispanic Asian
0 32.00 37.68 34.18 42.14
0.5 31.15 36.73 33.28 40.95
1 30.31 35.77 32.38 39.76
1.5 29.46 34.82 31.48 38.56
2 28.62 33.87 30.57 37.37
2.5 27.77 32.91 29.67 36.18
3 26.93 31.96 28.77 34.98
3.5 26.08 31.01 27.87 33.79
4 25.24 30.05 26.97 32.60
4.5 24.39 29.10 26.06 31.40
5 23.55 28.15 25.16 30.21
5.5 22.70 27.19 24.26 29.02
6 21.86 26.24 23.36 27.82
6.5 21.01 25.28 22.45 26.63
7 20.17 24.33 21.55 25.44
7.5 19.32 23.38 20.65 24.24
8 18.48 22.42 19.75 23.05
8.5 17.64 21.47 18.85 21.85
9 16.79 20.52 17.94 20.66
9.5 15.95 19.56 17.04 19.47
10 15.10 18.61 16.14 18.27
10.5 14.75 18.25 15.77 17.75
11 14.39 17.89 15.41 17.22
11.5 14.03 17.54 15.04 16.69
12 13.68 17.18 14.67 16.16
12.5 13.32 16.82 14.30 15.63
13 12.97 16.47 13.93 15.10
13.5 12.61 16.11 13.57 14.57
14 12.25 15.75 13.20 14.04
14.5 11.90 15.39 12.83 13.52
15 11.54 15.04 12.46 12.99
15.5 11.19 14.68 12.10 12.46
16 10.83 14.32 11.73 11.93
16.5 10.48 13.97 11.36 11.40
17 10.12 13.61 10.99 10.87
17.5 9.76 13.25 10.62 10.34
18 9.41 12.89 10.26 9.81
18.5 9.05 12.54 9.89 9.29
19 8.70 12.18 9.52 8.76
19.5 8.34 11.82 9.15 8.23
20 7.99 11.47 8.79 7.70
20.5 7.82 11.31 8.63 7.58
21 7.65 11.15 8.48 7.47
21.5 7.48 10.99 8.32 7.36
22 7.31 10.84 8.16 7.24
22.5 7.14 10.68 8.01 7.13
23 6.97 10.52 7.85 7.01
23.5 6.80 10.36 7.70 6.90
24 6.63 10.21 7.54 6.79
24.5 6.46 10.05 7.39 6.67
25 6.29 9.89 7.23 6.56
25.5 6.12 9.73 7.08 6.44
26 5.95 9.58 6.92 6.33
26.5 5.78 9.42 6.77 6.22
27 5.61 9.26 6.61 6.10
27.5 5.44 9.10 6.46 5.99
28 5.27 8.94 6.30 5.87
28.5 5.10 8.79 6.15 5.76
29 4.93 8.63 5.99 5.65
29.5 4.76 8.47 5.84 5.53
30 4.59 8.31 5.68 5.42
30.5 4.49 8.04 5.55 5.34
31 4.38 7.76 5.41 5.27
31.5 4.28 7.48 5.28 5.19
32 4.18 7.21 5.14 5.12
32.5 4.08 6.93 5.01 5.04
33 3.97 6.65 4.88 4.97
33.5 3.87 6.38 4.74 4.89
34 3.77 6.10 4.61 4.81
34.5 3.66 5.82 4.47 4.74
35 3.56 5.55 4.34 4.66
35.5 3.46 5.27 4.20 4.59
36 3.36 4.99 4.07 4.51
36.5 3.25 4.71 3.93 4.44
37 3.15 4.44 3.80 4.36
37.5 3.05 4.16 3.66 4.29
38 2.94 3.88 3.53 4.21
38.5 2.84 3.61 3.40 4.14
39 2.74 3.33 3.26 4.06
39.5 2.64 3.05 3.13 3.99
40 2.53 2.78 2.99 3.91
40.5 2.46 2.78 2.94 3.75
41 2.39 2.78 2.88 3.59
41.5 2.32 2.78 2.83 3.43
42 2.25 2.79 2.77 3.27
42.5 2.19 2.79 2.71 3.12
43 2.12 2.79 2.66 2.96
43.5 2.05 2.79 2.60 2.80
44 1.98 2.80 2.55 2.64
44.5 1.91 2.80 2.49 2.48
45 1.84 2.80 2.43 2.32
45.5 1.77 2.80 2.38 2.16
46 1.70 2.81 2.32 2.00
46.5 1.63 2.81 2.27 1.84
47 1.56 2.81 2.21 1.68
47.5 1.49 2.81 2.16 1.52
48 1.42 2.82 2.10 1.37
48.5 1.35 2.82 2.04 1.21
49 1.28 2.82 1.99 1.05
49.5 1.21 2.82 1.93 0.89
50 1.14 2.83 1.88 0.73
50.5 1.11 2.72 1.83 0.72
51 1.08 2.61 1.79 0.71
51.5 1.05 2.51 1.74 0.70
52 1.02 2.40 1.70 0.69
52.5 0.99 2.30 1.66 0.68
53 0.96 2.19 1.61 0.68
53.5 0.93 2.09 1.57 0.67
54 0.90 1.98 1.52 0.66
54.5 0.87 1.88 1.48 0.65
55 0.84 1.77 1.43 0.64
55.5 0.81 1.66 1.39 0.63
56 0.78 1.56 1.35 0.62
56.5 0.74 1.45 1.30 0.61
57 0.71 1.35 1.26 0.61
57.5 0.68 1.24 1.21 0.60
58 0.65 1.14 1.17 0.59
58.5 0.62 1.03 1.12 0.58
59 0.59 0.93 1.08 0.57
59.5 0.56 0.82 1.04 0.56
60 0.53 0.71 0.99 0.55
60.5 0.52 0.76 0.97 0.54
61 0.51 0.81 0.95 0.53
61.5 0.50 0.86 0.93 0.52
62 0.49 0.91 0.90 0.50
62.5 0.48 0.96 0.88 0.49
63 0.47 1.00 0.86 0.48
63.5 0.46 1.05 0.84 0.46
64 0.45 1.10 0.81 0.45
64.5 0.44 1.15 0.79 0.44
65 0.42 1.20 0.77 0.43
65.5 0.41 1.25 0.75 0.41
66 0.40 1.29 0.73 0.40
66.5 0.39 1.34 0.70 0.39
67 0.38 1.39 0.68 0.37
67.5 0.37 1.44 0.66 0.36
68 0.36 1.49 0.64 0.35
68.5 0.35 1.53 0.61 0.34
69 0.34 1.58 0.59 0.32
69.5 0.33 1.63 0.57 0.31
70 0.32 1.68 0.55 0.30
70.5 0.31 1.60 0.53 0.30
71 0.31 1.52 0.51 0.30
71.5 0.31 1.44 0.49 0.30
72 0.30 1.35 0.48 0.29
73 0.30 1.19 0.44 0.29
73.5 0.29 1.11 0.42 0.29
74 0.29 1.03 0.41 0.29
74.5 0.29 0.95 0.39 0.29
75 0.28 0.87 0.37 0.29
75.5 0.28 0.79 0.35 0.29
76 0.28 0.71 0.34 0.29
76.5 0.27 0.63 0.32 0.29
77 0.27 0.54 0.30 0.28
78 0.26 0.38 0.27 0.28
78.5 0.26 0.30 0.25 0.28
79 0.26 0.22 0.23 0.28
79.5 0.25 0.14 0.21 0.28
80 0.25 0.06 0.20 0.28
80.5 0.24 0.08 0.19 0.27
81 0.23 0.10 0.19 0.25
81.5 0.23 0.11 0.18 0.24
82 0.22 0.13 0.18 0.23
82.5 0.21 0.15 0.17 0.22
83 0.21 0.17 0.17 0.21
83.5 0.20 0.19 0.16 0.19
84 0.19 0.21 0.15 0.18
84.5 0.19 0.23 0.15 0.17
85 0.18 0.25 0.14 0.16
85.5 0.17 0.27 0.14 0.14
86 0.16 0.29 0.13 0.13
86.5 0.16 0.30 0.13 0.12
87 0.15 0.32 0.12 0.11
87.5 0.14 0.34 0.12 0.09
88 0.14 0.36 0.11 0.08
88.5 0.13 0.38 0.11 0.07
89 0.12 0.40 0.10 0.06
89.5 0.11 0.42 0.10 0.05
90 0.11 0.44 0.09 0.03
90.5 0.11 0.43 0.10 0.04
91 0.12 0.42 0.10 0.05
91.5 0.12 0.42 0.11 0.05
92 0.13 0.41 0.11 0.06
93 0.14 0.39 0.12 0.08
93.5 0.14 0.39 0.13 0.08
94 0.15 0.38 0.13 0.09
94.5 0.15 0.37 0.14 0.10
95 0.16 0.37 0.14 0.11
95.5 0.17 0.36 0.15 0.11
96 0.17 0.35 0.15 0.12
96.5 0.18 0.34 0.16 0.13
97 0.18 0.34 0.16 0.13
97.5 0.19 0.33 0.17 0.14
98 0.19 0.32 0.17 0.15
98.5 0.20 0.32 0.18 0.16
99 0.20 0.31 0.18 0.16
99.5 0.21 0.30 0.19 0.17
100 0.21 0.29 0.19 0.18

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Sex
Percent bad
Score Male Female
0 32.77 34.40
0.5 31.87 33.53
1 30.96 32.67
1.5 30.06 31.80
2 29.15 30.94
2.5 28.25 30.07
3 27.34 29.20
3.5 26.44 28.34
4 25.53 27.47
4.5 24.63 26.61
5 23.72 25.74
5.5 22.82 24.87
6 21.91 24.01
6.5 21.01 23.14
7 20.10 22.28
7.5 19.20 21.41
8 18.29 20.54
8.5 17.39 19.68
9 16.48 18.81
9.5 15.58 17.95
10 14.67 17.08
10.5 14.38 16.63
11 14.08 16.17
11.5 13.78 15.72
12 13.49 15.26
12.5 13.19 14.81
13 12.89 14.36
13.5 12.60 13.90
14 12.30 13.45
14.5 12.00 12.99
15 11.70 12.54
15.5 11.41 12.09
16 11.11 11.63
16.5 10.81 11.18
17 10.52 10.72
17.5 10.22 10.27
18 9.92 9.82
18.5 9.63 9.36
19 9.33 8.91
19.5 9.03 8.45
20 8.73 8.00
20.5 8.56 7.85
21 8.39 7.71
21.5 8.22 7.56
22 8.05 7.42
22.5 7.87 7.27
23 7.70 7.13
23.5 7.53 6.98
24 7.36 6.84
24.5 7.19 6.69
25 7.01 6.55
25.5 6.84 6.40
26 6.67 6.26
26.5 6.50 6.11
27 6.33 5.97
27.5 6.15 5.82
28 5.98 5.68
28.5 5.81 5.53
29 5.64 5.39
29.5 5.47 5.24
30 5.29 5.10
30.5 5.17 4.96
31 5.04 4.83
31.5 4.92 4.69
32 4.80 4.56
32.5 4.67 4.42
33 4.55 4.29
33.5 4.42 4.15
34 4.30 4.02
34.5 4.17 3.88
35 4.05 3.75
35.5 3.92 3.61
36 3.80 3.48
36.5 3.68 3.34
37 3.55 3.21
37.5 3.43 3.07
38 3.30 2.94
38.5 3.18 2.81
39 3.05 2.67
39.5 2.93 2.54
40 2.80 2.40
40.5 2.73 2.34
41 2.65 2.28
41.5 2.58 2.22
42 2.50 2.16
42.5 2.42 2.10
43 2.35 2.04
43.5 2.27 1.98
44 2.20 1.92
44.5 2.12 1.86
45 2.04 1.80
45.5 1.97 1.74
46 1.89 1.68
46.5 1.82 1.62
47 1.74 1.56
47.5 1.66 1.51
48 1.59 1.45
48.5 1.51 1.39
49 1.43 1.33
49.5 1.36 1.27
50 1.28 1.21
50.5 1.24 1.17
51 1.20 1.14
51.5 1.16 1.11
52 1.12 1.07
52.5 1.08 1.04
53 1.04 1.01
53.5 1.00 0.98
54 0.96 0.94
54.5 0.92 0.91
55 0.88 0.88
55.5 0.84 0.84
56 0.80 0.81
56.5 0.76 0.78
57 0.71 0.74
57.5 0.67 0.71
58 0.63 0.68
58.5 0.59 0.65
59 0.55 0.61
59.5 0.51 0.58
60 0.47 0.55
60.5 0.47 0.54
61 0.47 0.53
61.5 0.46 0.52
62 0.46 0.51
62.5 0.46 0.50
63 0.46 0.49
63.5 0.45 0.48
64 0.45 0.47
64.5 0.45 0.46
65 0.45 0.45
65.5 0.45 0.44
66 0.44 0.43
66.5 0.44 0.42
67 0.44 0.41
67.5 0.44 0.40
68 0.43 0.39
68.5 0.43 0.38
69 0.43 0.37
69.5 0.43 0.36
70 0.42 0.35
70.5 0.42 0.34
71 0.41 0.34
71.5 0.40 0.33
72 0.40 0.32
73 0.38 0.31
73.5 0.37 0.31
74 0.37 0.30
74.5 0.36 0.29
75 0.35 0.29
75.5 0.34 0.28
76 0.34 0.27
76.5 0.33 0.27
77 0.32 0.26
78 0.31 0.25
78.5 0.30 0.24
79 0.29 0.23
79.5 0.28 0.23
80 0.28 0.22
80.5 0.27 0.22
81 0.26 0.21
81.5 0.25 0.21
82 0.25 0.20
82.5 0.24 0.19
83 0.23 0.19
83.5 0.22 0.18
84 0.22 0.18
84.5 0.21 0.17
85 0.20 0.17
85.5 0.19 0.16
86 0.18 0.16
86.5 0.18 0.15
87 0.17 0.14
87.5 0.16 0.14
88 0.15 0.13
88.5 0.15 0.13
89 0.14 0.12
89.5 0.13 0.12
90 0.12 0.11
90.5 0.13 0.12
91 0.13 0.12
91.5 0.14 0.13
92 0.14 0.13
93 0.15 0.14
93.5 0.16 0.15
94 0.16 0.16
94.5 0.17 0.16
95 0.17 0.17
95.5 0.18 0.17
96 0.19 0.18
96.5 0.19 0.18
97 0.20 0.19
97.5 0.20 0.20
98 0.21 0.20
98.5 0.21 0.21
99 0.22 0.21
99.5 0.22 0.22
100 0.23 0.22

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Age (years)
Percent bad
Score Younger
than 30
30-39 40-49 50-61 62 or
older
0 34.50 37.02 31.77 31.63 24.20
0.5 33.80 36.01 30.96 30.62 23.67
1 33.10 35.00 30.15 29.62 23.15
1.5 32.41 33.99 29.33 28.61 22.62
2 31.71 32.98 28.52 27.61 22.09
2.5 31.01 31.97 27.70 26.60 21.56
3 30.31 30.96 26.89 25.59 21.04
3.5 29.62 29.95 26.08 24.59 20.51
4 28.92 28.94 25.26 23.58 19.98
4.5 28.22 27.92 24.45 22.58 19.45
5 27.53 26.91 23.63 21.57 18.93
5.5 26.83 25.90 22.82 20.57 18.40
6 26.13 24.89 22.01 19.56 17.87
6.5 25.43 23.88 21.19 18.55 17.34
7 24.74 22.87 20.38 17.55 16.82
7.5 24.04 21.86 19.56 16.54 16.29
8 23.34 20.85 18.75 15.54 15.76
8.5 22.64 19.83 17.94 14.53 15.23
9 21.95 18.82 17.12 13.53 14.71
9.5 21.25 17.81 16.31 12.52 14.18
10 20.55 16.80 15.49 11.52 13.65
10.5 20.28 16.34 15.03 11.26 13.31
11 20.01 15.89 14.57 11.01 12.98
11.5 19.74 15.43 14.11 10.75 12.64
12 19.47 14.98 13.65 10.50 12.30
12.5 19.20 14.52 13.18 10.25 11.96
13 18.93 14.07 12.72 9.99 11.62
13.5 18.65 13.61 12.26 9.74 11.28
14 18.38 13.15 11.80 9.48 10.95
14.5 18.11 12.70 11.34 9.23 10.61
15 17.84 12.24 10.87 8.98 10.27
15.5 17.57 11.79 10.41 8.72 9.93
16 17.30 11.33 9.95 8.47 9.59
16.5 17.03 10.88 9.49 8.21 9.25
17 16.76 10.42 9.02 7.96 8.92
17.5 16.48 9.96 8.56 7.71 8.58
18 16.21 9.51 8.10 7.45 8.24
18.5 15.94 9.05 7.64 7.20 7.90
19 15.67 8.60 7.18 6.94 7.56
19.5 15.40 8.14 6.71 6.69 7.23
20 15.13 7.69 6.25 6.44 6.89
20.5 14.76 7.56 6.16 6.28 6.77
21 14.39 7.42 6.06 6.13 6.65
21.5 14.02 7.29 5.97 5.98 6.53
22 13.65 7.16 5.88 5.82 6.41
22.5 13.28 7.03 5.78 5.67 6.29
23 12.91 6.90 5.69 5.52 6.17
23.5 12.54 6.77 5.59 5.36 6.05
24 12.16 6.64 5.50 5.21 5.93
24.5 11.79 6.51 5.41 5.06 5.81
25 11.42 6.38 5.31 4.90 5.69
25.5 11.05 6.25 5.22 4.75 5.57
26 10.68 6.12 5.12 4.60 5.45
26.5 10.31 5.99 5.03 4.45 5.33
27 9.94 5.86 4.93 4.29 5.21
27.5 9.57 5.72 4.84 4.14 5.09
28 9.20 5.59 4.75 3.99 4.97
28.5 8.83 5.46 4.65 3.83 4.85
29 8.46 5.33 4.56 3.68 4.73
29.5 8.09 5.20 4.46 3.53 4.61
30 7.72 5.07 4.37 3.37 4.49
30.5 7.53 4.96 4.25 3.29 4.46
31 7.33 4.85 4.13 3.20 4.43
31.5 7.14 4.74 4.01 3.11 4.40
32 6.95 4.63 3.89 3.02 4.37
32.5 6.75 4.52 3.77 2.93 4.33
33 6.56 4.41 3.65 2.85 4.30
33.5 6.36 4.29 3.53 2.76 4.27
34 6.17 4.18 3.40 2.67 4.24
34.5 5.98 4.07 3.28 2.58 4.21
35 5.78 3.96 3.16 2.49 4.17
35.5 5.59 3.85 3.04 2.41 4.14
36 5.40 3.74 2.92 2.32 4.11
36.5 5.20 3.63 2.80 2.23 4.08
37 5.01 3.52 2.68 2.14 4.05
37.5 4.82 3.41 2.56 2.05 4.01
38 4.62 3.30 2.44 1.97 3.98
38.5 4.43 3.19 2.32 1.88 3.95
39 4.23 3.08 2.20 1.79 3.92
39.5 4.04 2.96 2.08 1.70 3.89
40 3.85 2.85 1.96 1.61 3.85
40.5 3.79 2.75 1.91 1.56 3.73
41 3.73 2.64 1.86 1.50 3.60
41.5 3.67 2.54 1.81 1.45 3.47
42 3.61 2.44 1.76 1.40 3.35
42.5 3.55 2.33 1.71 1.34 3.22
43 3.49 2.23 1.66 1.29 3.09
43.5 3.43 2.12 1.61 1.23 2.96
44 3.37 2.02 1.56 1.18 2.84
44.5 3.31 1.91 1.51 1.12 2.71
45 3.25 1.81 1.46 1.07 2.58
45.5 3.18 1.71 1.41 1.01 2.45
46 3.12 1.60 1.36 0.96 2.33
46.5 3.06 1.50 1.32 0.91 2.20
47 3.00 1.39 1.27 0.85 2.07
47.5 2.94 1.29 1.22 0.80 1.94
48 2.88 1.18 1.17 0.74 1.82
48.5 2.82 1.08 1.12 0.69 1.69
49 2.76 0.97 1.07 0.63 1.56
49.5 2.70 0.87 1.02 0.58 1.44
50 2.64 0.77 0.97 0.52 1.31
50.5 2.58 0.75 0.94 0.50 1.25
51 2.51 0.73 0.92 0.48 1.20
51.5 2.44 0.71 0.89 0.46 1.15
52 2.37 0.69 0.87 0.44 1.09
52.5 2.31 0.67 0.84 0.42 1.04
53 2.24 0.65 0.82 0.40 0.99
53.5 2.17 0.63 0.79 0.38 0.93
54 2.10 0.61 0.77 0.36 0.88
54.5 2.03 0.59 0.74 0.34 0.83
55 1.97 0.57 0.72 0.32 0.77
55.5 1.90 0.55 0.69 0.30 0.72
56 1.83 0.53 0.67 0.28 0.67
56.5 1.76 0.51 0.64 0.26 0.61
57 1.70 0.49 0.62 0.24 0.56
57.5 1.63 0.47 0.59 0.22 0.51
58 1.56 0.45 0.57 0.20 0.45
58.5 1.49 0.43 0.54 0.18 0.40
59 1.43 0.41 0.52 0.16 0.34
59.5 1.36 0.39 0.49 0.14 0.29
60 1.29 0.37 0.46 0.12 0.24
60.5 1.27 0.37 0.45 0.14 0.26
61 1.26 0.37 0.43 0.15 0.29
61.5 1.24 0.37 0.41 0.16 0.31
62 1.22 0.37 0.40 0.17 0.33
62.5 1.20 0.37 0.38 0.18 0.36
63 1.18 0.37 0.36 0.20 0.38
63.5 1.16 0.37 0.34 0.21 0.41
64 1.15 0.37 0.33 0.22 0.43
64.5 1.13 0.37 0.31 0.23 0.46
65 1.11 0.37 0.29 0.24 0.48
65.5 1.09 0.37 0.27 0.26 0.51
66 1.07 0.37 0.26 0.27 0.53
66.5 1.05 0.37 0.24 0.28 0.55
67 1.04 0.37 0.22 0.29 0.58
67.5 1.02 0.37 0.20 0.30 0.60
68 1.00 0.37 0.19 0.32 0.63
68.5 0.98 0.37 0.17 0.33 0.65
69 0.96 0.37 0.15 0.34 0.68
69.5 0.95 0.37 0.14 0.35 0.70
70 0.93 0.37 0.12 0.36 0.72
70.5 0.88 0.36 0.12 0.35 0.71
71 0.83 0.36 0.12 0.35 0.70
71.5 0.78 0.35 0.12 0.34 0.69
72 0.72 0.35 0.12 0.33 0.68
73 0.62 0.34 0.12 0.31 0.66
73.5 0.57 0.34 0.12 0.31 0.65
74 0.52 0.33 0.13 0.30 0.64
74.5 0.47 0.33 0.13 0.29 0.63
75 0.42 0.33 0.13 0.28 0.62
75.5 0.37 0.32 0.13 0.27 0.61
76 0.32 0.32 0.13 0.26 0.60
76.5 0.27 0.32 0.13 0.26 0.59
77 0.22 0.31 0.13 0.25 0.58
78 0.12 0.30 0.13 0.23 0.56
78.5 0.06 0.30 0.13 0.22 0.55
79 0.01 0.30 0.13 0.21 0.54
79.5 0.00 0.29 0.14 0.21 0.53
80 0.00 0.29 0.14 0.20 0.52
80.5 0.00 0.27 0.13 0.20 0.50
81 0.00 0.26 0.13 0.20 0.48
81.5 0.00 0.24 0.13 0.20 0.46
82 0.00 0.23 0.13 0.20 0.44
82.5 0.00 0.21 0.12 0.19 0.42
83 0.00 0.20 0.12 0.19 0.40
83.5 0.00 0.18 0.12 0.19 0.38
84 0.00 0.17 0.11 0.19 0.36
84.5 0.00 0.15 0.11 0.19 0.34
85 0.00 0.14 0.11 0.19 0.32
85.5 0.00 0.12 0.11 0.19 0.30
86 0.00 0.11 0.10 0.19 0.28
86.5 0.00 0.09 0.10 0.19 0.26
87 0.01 0.08 0.10 0.19 0.24
87.5 0.02 0.06 0.10 0.19 0.22
88 0.02 0.05 0.09 0.19 0.20
88.5 0.03 0.04 0.09 0.19 0.18
89 0.04 0.02 0.09 0.18 0.16
89.5 0.04 0.01 0.09 0.18 0.14
90 0.05 0.00 0.08 0.18 0.12
90.5 0.05 0.00 0.09 0.17 0.14
91 0.04 0.00 0.09 0.17 0.16
91.5 0.04 0.00 0.10 0.16 0.18
92 0.03 0.00 0.10 0.15 0.20
93 0.02 0.00 0.11 0.13 0.24
93.5 0.02 0.00 0.12 0.12 0.26
94 0.02 0.00 0.13 0.12 0.28
94.5 0.01 0.00 0.13 0.11 0.30
95 0.01 0.00 0.14 0.10 0.32
95.5 0.00 0.00 0.14 0.09 0.34
96 0.00 0.00 0.15 0.08 0.35
96.5 0.00 0.00 0.15 0.07 0.37
97 0.00 0.00 0.16 0.07 0.39
97.5 0.00 0.00 0.16 0.06 0.41
98 0.00 0.00 0.17 0.05 0.43
98.5 0.00 0.01 0.17 0.04 0.45
99 0.00 0.01 0.18 0.03 0.47
99.5 0.00 0.01 0.18 0.02 0.49
100 0.00 0.01 0.19 0.01 0.51

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Marital status
Percent bad
Score Married
male
Single
male
Married
female
Single
female
0 29.69 34.20 30.21 36.71
0.5 28.91 33.21 29.46 35.76
1 28.13 32.22 28.70 34.81
1.5 27.35 31.23 27.95 33.87
2 26.57 30.24 27.20 32.92
2.5 25.79 29.26 26.44 31.97
3 25.01 28.27 25.69 31.02
3.5 24.23 27.28 24.93 30.07
4 23.45 26.29 24.18 29.12
4.5 22.67 25.30 23.43 28.17
5 21.90 24.31 22.67 27.22
5.5 21.12 23.33 21.92 26.27
6 20.34 22.34 21.17 25.33
6.5 19.56 21.35 20.41 24.38
7 18.78 20.36 19.66 23.43
7.5 18.00 19.37 18.90 22.48
8 17.22 18.39 18.15 21.53
8.5 16.44 17.40 17.40 20.58
9 15.66 16.41 16.64 19.63
9.5 14.88 15.42 15.89 18.68
10 14.10 14.43 15.14 17.74
10.5 13.70 14.18 14.76 17.24
11 13.29 13.93 14.39 16.74
11.5 12.89 13.68 14.02 16.24
12 12.48 13.43 13.64 15.74
12.5 12.07 13.17 13.27 15.24
13 11.67 12.92 12.90 14.74
13.5 11.26 12.67 12.53 14.25
14 10.86 12.42 12.15 13.75
14.5 10.45 12.17 11.78 13.25
15 10.04 11.92 11.41 12.75
15.5 9.64 11.67 11.04 12.25
16 9.23 11.41 10.66 11.75
16.5 8.82 11.16 10.29 11.26
17 8.42 10.91 9.92 10.76
17.5 8.01 10.66 9.55 10.26
18 7.61 10.41 9.17 9.76
18.5 7.20 10.16 8.80 9.26
19 6.79 9.90 8.43 8.76
19.5 6.39 9.65 8.05 8.27
20 5.98 9.40 7.68 7.77
20.5 5.87 9.29 7.45 7.74
21 5.76 9.17 7.22 7.72
21.5 5.65 9.06 6.99 7.69
22 5.54 8.95 6.76 7.66
22.5 5.43 8.83 6.53 7.64
23 5.32 8.72 6.30 7.61
23.5 5.21 8.61 6.07 7.59
24 5.10 8.49 5.84 7.56
24.5 4.99 8.38 5.61 7.53
25 4.88 8.27 5.38 7.51
25.5 4.77 8.15 5.14 7.48
26 4.66 8.04 4.91 7.46
26.5 4.55 7.93 4.68 7.43
27 4.44 7.81 4.45 7.40
27.5 4.33 7.70 4.22 7.38
28 4.21 7.59 3.99 7.35
28.5 4.10 7.47 3.76 7.33
29 3.99 7.36 3.53 7.30
29.5 3.88 7.25 3.30 7.27
30 3.77 7.13 3.07 7.25
30.5 3.69 6.94 3.01 7.00
31 3.60 6.76 2.96 6.74
31.5 3.51 6.57 2.90 6.49
32 3.42 6.38 2.85 6.24
32.5 3.33 6.20 2.79 5.99
33 3.25 6.01 2.73 5.73
33.5 3.16 5.82 2.68 5.48
34 3.07 5.64 2.62 5.23
34.5 2.98 5.45 2.57 4.98
35 2.89 5.26 2.51 4.73
35.5 2.81 5.08 2.46 4.47
36 2.72 4.89 2.40 4.22
36.5 2.63 4.70 2.35 3.97
37 2.54 4.51 2.29 3.72
37.5 2.45 4.33 2.23 3.47
38 2.37 4.14 2.18 3.21
38.5 2.28 3.95 2.12 2.96
39 2.19 3.77 2.07 2.71
39.5 2.10 3.58 2.01 2.46
40 2.02 3.39 1.96 2.20
40.5 1.95 3.31 1.90 2.19
41 1.88 3.22 1.85 2.18
41.5 1.82 3.13 1.79 2.16
42 1.75 3.05 1.74 2.15
42.5 1.68 2.96 1.68 2.13
43 1.62 2.88 1.63 2.12
43.5 1.55 2.79 1.57 2.10
44 1.48 2.70 1.52 2.09
44.5 1.42 2.62 1.46 2.07
45 1.35 2.53 1.41 2.06
45.5 1.29 2.45 1.35 2.05
46 1.22 2.36 1.30 2.03
46.5 1.15 2.27 1.24 2.02
47 1.09 2.19 1.19 2.00
47.5 1.02 2.10 1.13 1.99
48 0.95 2.02 1.08 1.97
48.5 0.89 1.93 1.02 1.96
49 0.82 1.84 0.97 1.94
49.5 0.75 1.76 0.91 1.93
50 0.69 1.67 0.86 1.91
50.5 0.67 1.60 0.83 1.83
51 0.66 1.52 0.80 1.75
51.5 0.64 1.45 0.77 1.67
52 0.63 1.37 0.74 1.59
52.5 0.61 1.30 0.71 1.51
53 0.60 1.23 0.68 1.43
53.5 0.58 1.15 0.65 1.35
54 0.56 1.08 0.62 1.27
54.5 0.55 1.00 0.59 1.19
55 0.53 0.93 0.56 1.11
55.5 0.52 0.86 0.53 1.03
56 0.50 0.78 0.50 0.95
56.5 0.49 0.71 0.47 0.87
57 0.47 0.63 0.44 0.79
57.5 0.46 0.56 0.42 0.71
58 0.44 0.49 0.39 0.63
58.5 0.43 0.41 0.36 0.55
59 0.41 0.34 0.33 0.47
59.5 0.40 0.26 0.30 0.39
60 0.38 0.19 0.27 0.31
60.5 0.37 0.21 0.26 0.34
61 0.36 0.23 0.26 0.36
61.5 0.35 0.26 0.25 0.39
62 0.34 0.28 0.24 0.41
62.5 0.34 0.30 0.24 0.44
63 0.33 0.33 0.23 0.47
63.5 0.32 0.35 0.22 0.49
64 0.31 0.37 0.22 0.52
64.5 0.30 0.40 0.21 0.54
65 0.29 0.42 0.20 0.57
65.5 0.28 0.44 0.20 0.60
66 0.27 0.46 0.19 0.62
66.5 0.27 0.49 0.18 0.65
67 0.26 0.51 0.18 0.67
67.5 0.25 0.53 0.17 0.70
68 0.24 0.56 0.16 0.73
68.5 0.23 0.58 0.16 0.75
69 0.22 0.60 0.15 0.78
69.5 0.21 0.63 0.15 0.80
70 0.20 0.65 0.14 0.83
70.5 0.20 0.65 0.15 0.79
71 0.19 0.65 0.15 0.75
71.5 0.19 0.65 0.16 0.71
72 0.19 0.64 0.17 0.67
73 0.18 0.64 0.19 0.59
73.5 0.17 0.64 0.19 0.55
74 0.17 0.64 0.20 0.51
74.5 0.17 0.64 0.21 0.47
75 0.16 0.64 0.22 0.43
75.5 0.16 0.64 0.23 0.39
76 0.15 0.64 0.23 0.35
76.5 0.15 0.64 0.24 0.31
77 0.14 0.64 0.25 0.27
78 0.14 0.63 0.27 0.19
78.5 0.13 0.63 0.27 0.15
79 0.13 0.63 0.28 0.11
79.5 0.12 0.63 0.29 0.07
80 0.12 0.63 0.30 0.03
80.5 0.12 0.60 0.29 0.04
81 0.12 0.57 0.28 0.06
81.5 0.12 0.54 0.26 0.07
82 0.12 0.51 0.25 0.08
82.5 0.12 0.49 0.24 0.09
83 0.12 0.46 0.23 0.10
83.5 0.12 0.43 0.22 0.11
84 0.12 0.40 0.21 0.12
84.5 0.12 0.37 0.20 0.13
85 0.12 0.34 0.19 0.14
85.5 0.12 0.31 0.18 0.15
86 0.12 0.28 0.16 0.16
86.5 0.12 0.25 0.15 0.17
87 0.12 0.22 0.14 0.18
87.5 0.11 0.19 0.13 0.19
88 0.11 0.17 0.12 0.21
88.5 0.11 0.14 0.11 0.22
89 0.11 0.11 0.10 0.23
89.5 0.11 0.08 0.09 0.24
90 0.11 0.05 0.08 0.25
90.5 0.12 0.05 0.08 0.27
91 0.13 0.04 0.08 0.30
91.5 0.14 0.04 0.09 0.32
92 0.15 0.03 0.09 0.35
93 0.17 0.03 0.10 0.40
93.5 0.18 0.02 0.10 0.42
94 0.19 0.02 0.10 0.45
94.5 0.20 0.01 0.11 0.47
95 0.21 0.01 0.11 0.50
95.5 0.22 0.01 0.11 0.52
96 0.23 0.00 0.12 0.55
96.5 0.24 0.00 0.12 0.57
97 0.25 0.00 0.12 0.60
97.5 0.25 0.00 0.13 0.62
98 0.26 0.00 0.13 0.65
98.5 0.27 0.00 0.13 0.67
99 0.28 0.00 0.14 0.70
99.5 0.29 0.00 0.14 0.72
100 0.30 0.00 0.14 0.75

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Income ratio of tract
Percent bad
Score Low Moderate Middle High
0 43.72 38.65 31.04 27.54
0.5 42.54 37.62 30.24 26.93
1 41.36 36.58 29.44 26.31
1.5 40.18 35.54 28.64 25.70
2 39.00 34.51 27.83 25.08
2.5 37.82 33.47 27.03 24.47
3 36.64 32.43 26.23 23.85
3.5 35.46 31.40 25.42 23.23
4 34.28 30.36 24.62 22.62
4.5 33.10 29.32 23.82 22.00
5 31.92 28.29 23.01 21.39
5.5 30.74 27.25 22.21 20.77
6 29.56 26.21 21.41 20.16
6.5 28.38 25.18 20.60 19.54
7 27.20 24.14 19.80 18.93
7.5 26.02 23.10 19.00 18.31
8 24.84 22.07 18.20 17.70
8.5 23.66 21.03 17.39 17.08
9 22.47 19.99 16.59 16.47
9.5 21.29 18.96 15.79 15.85
10 20.11 17.92 14.98 15.24
10.5 20.05 17.55 14.64 14.77
11 19.98 17.18 14.29 14.31
11.5 19.92 16.80 13.94 13.85
12 19.85 16.43 13.59 13.39
12.5 19.79 16.06 13.24 12.93
13 19.73 15.69 12.90 12.47
13.5 19.66 15.31 12.55 12.01
14 19.60 14.94 12.20 11.55
14.5 19.53 14.57 11.85 11.09
15 19.47 14.20 11.50 10.63
15.5 19.40 13.82 11.16 10.17
16 19.34 13.45 10.81 9.70
16.5 19.27 13.08 10.46 9.24
17 19.21 12.71 10.11 8.78
17.5 19.14 12.33 9.77 8.32
18 19.08 11.96 9.42 7.86
18.5 19.01 11.59 9.07 7.40
19 18.95 11.22 8.72 6.94
19.5 18.88 10.85 8.37 6.48
20 18.82 10.47 8.03 6.02
20.5 18.21 10.27 7.88 5.91
21 17.61 10.06 7.74 5.80
21.5 17.00 9.86 7.60 5.69
22 16.40 9.65 7.45 5.58
22.5 15.80 9.44 7.31 5.47
23 15.19 9.24 7.17 5.36
23.5 14.59 9.03 7.03 5.25
24 13.98 8.83 6.88 5.14
24.5 13.38 8.62 6.74 5.04
25 12.78 8.42 6.60 4.93
25.5 12.17 8.21 6.46 4.82
26 11.57 8.00 6.31 4.71
26.5 10.96 7.80 6.17 4.60
27 10.36 7.59 6.03 4.49
27.5 9.76 7.39 5.89 4.38
28 9.15 7.18 5.74 4.27
28.5 8.55 6.98 5.60 4.16
29 7.94 6.77 5.46 4.05
29.5 7.34 6.56 5.31 3.95
30 6.73 6.36 5.17 3.84
30.5 6.61 6.21 5.06 3.73
31 6.48 6.07 4.94 3.62
31.5 6.36 5.93 4.83 3.51
32 6.23 5.78 4.71 3.41
32.5 6.10 5.64 4.60 3.30
33 5.98 5.49 4.49 3.19
33.5 5.85 5.35 4.37 3.08
34 5.72 5.21 4.26 2.98
34.5 5.60 5.06 4.14 2.87
35 5.47 4.92 4.03 2.76
35.5 5.34 4.78 3.91 2.65
36 5.22 4.63 3.80 2.55
36.5 5.09 4.49 3.68 2.44
37 4.96 4.34 3.57 2.33
37.5 4.84 4.20 3.46 2.22
38 4.71 4.06 3.34 2.12
38.5 4.58 3.91 3.23 2.01
39 4.46 3.77 3.11 1.90
39.5 4.33 3.62 3.00 1.80
40 4.21 3.48 2.88 1.69
40.5 4.18 3.42 2.80 1.65
41 4.16 3.35 2.72 1.60
41.5 4.13 3.29 2.64 1.56
42 4.11 3.23 2.56 1.52
42.5 4.09 3.16 2.49 1.48
43 4.06 3.10 2.41 1.44
43.5 4.04 3.03 2.33 1.40
44 4.01 2.97 2.25 1.35
44.5 3.99 2.91 2.17 1.31
45 3.97 2.84 2.09 1.27
45.5 3.94 2.78 2.01 1.23
46 3.92 2.72 1.93 1.19
46.5 3.89 2.65 1.85 1.14
47 3.87 2.59 1.77 1.10
47.5 3.85 2.53 1.69 1.06
48 3.82 2.46 1.61 1.02
48.5 3.80 2.40 1.53 0.98
49 3.77 2.33 1.45 0.94
49.5 3.75 2.27 1.37 0.89
50 3.73 2.21 1.29 0.85
50.5 3.65 2.14 1.25 0.84
51 3.58 2.07 1.21 0.82
51.5 3.50 2.00 1.17 0.80
52 3.43 1.93 1.13 0.78
52.5 3.35 1.86 1.10 0.77
53 3.28 1.79 1.06 0.75
53.5 3.20 1.72 1.02 0.73
54 3.13 1.65 0.98 0.71
54.5 3.05 1.58 0.94 0.70
55 2.98 1.51 0.90 0.68
55.5 2.90 1.44 0.86 0.66
56 2.83 1.37 0.83 0.65
56.5 2.75 1.30 0.79 0.63
57 2.68 1.23 0.75 0.61
57.5 2.60 1.16 0.71 0.59
58 2.53 1.09 0.67 0.58
58.5 2.45 1.02 0.63 0.56
59 2.38 0.95 0.59 0.54
59.5 2.30 0.88 0.56 0.52
60 2.23 0.81 0.52 0.51
60.5 2.19 0.80 0.52 0.49
61 2.15 0.79 0.51 0.48
61.5 2.11 0.78 0.51 0.47
62 2.07 0.77 0.51 0.45
62.5 2.03 0.75 0.51 0.44
63 1.99 0.74 0.51 0.42
63.5 1.95 0.73 0.51 0.41
64 1.91 0.72 0.51 0.40
64.5 1.87 0.71 0.50 0.38
65 1.83 0.70 0.50 0.37
65.5 1.79 0.69 0.50 0.36
66 1.75 0.68 0.50 0.34
66.5 1.71 0.67 0.50 0.33
67 1.67 0.66 0.50 0.32
67.5 1.63 0.65 0.50 0.30
68 1.60 0.64 0.49 0.29
68.5 1.56 0.62 0.49 0.27
69 1.52 0.61 0.49 0.26
69.5 1.48 0.60 0.49 0.25
70 1.44 0.59 0.49 0.23
70.5 1.34 0.59 0.48 0.23
71 1.24 0.58 0.47 0.22
71.5 1.14 0.57 0.46 0.22
72 1.04 0.57 0.45 0.21
73 0.84 0.55 0.43 0.20
73.5 0.74 0.55 0.42 0.19
74 0.64 0.54 0.41 0.19
74.5 0.54 0.53 0.40 0.18
75 0.44 0.53 0.39 0.18
75.5 0.34 0.52 0.38 0.17
76 0.24 0.51 0.37 0.16
76.5 0.14 0.51 0.36 0.16
77 0.04 0.50 0.35 0.15
78 0.00 0.49 0.33 0.14
78.5 0.00 0.48 0.32 0.14
79 0.00 0.47 0.31 0.13
79.5 0.00 0.47 0.30 0.12
80 0.00 0.46 0.29 0.12
80.5 0.00 0.44 0.28 0.12
81 0.00 0.42 0.27 0.12
81.5 0.00 0.40 0.27 0.12
82 0.00 0.38 0.26 0.12
82.5 0.00 0.36 0.25 0.12
83 0.00 0.34 0.25 0.11
83.5 0.00 0.32 0.24 0.11
84 0.00 0.30 0.23 0.11
84.5 0.00 0.28 0.23 0.11
85 0.00 0.26 0.22 0.11
85.5 0.00 0.24 0.21 0.11
86 0.00 0.21 0.20 0.11
86.5 0.00 0.19 0.20 0.11
87 0.00 0.17 0.19 0.11
87.5 0.00 0.15 0.18 0.11
88 0.04 0.13 0.18 0.11
88.5 0.07 0.11 0.17 0.11
89 0.11 0.09 0.16 0.10
89.5 0.15 0.07 0.16 0.10
90 0.18 0.05 0.15 0.10
90.5 0.17 0.05 0.15 0.11
91 0.15 0.04 0.15 0.12
91.5 0.13 0.04 0.16 0.13
92 0.12 0.03 0.16 0.14
93 0.08 0.03 0.16 0.16
93.5 0.06 0.02 0.16 0.17
94 0.05 0.02 0.17 0.18
94.5 0.03 0.01 0.17 0.19
95 0.01 0.01 0.17 0.19
95.5 0.00 0.01 0.17 0.20
96 0.00 0.00 0.18 0.21
96.5 0.00 0.00 0.18 0.22
97 0.00 0.00 0.18 0.23
97.5 0.00 0.00 0.18 0.24
98 0.00 0.00 0.19 0.25
98.5 0.00 0.00 0.19 0.26
99 0.00 0.00 0.19 0.27
99.5 0.00 0.00 0.19 0.28
100 0.00 0.00 0.19 0.29

Return to figure


Figure O--4. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group

Note. For definition of characteristics, refer to notes to table 9.



Figure O--4. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Race or ethnicity (SSA data)
Percent denied
Score Non-
Hispanic
white
Black Hispanic Asian
0 57.65 58.35 59.81 57.89
0.5 56.62 57.48 58.87 57.13
1 55.58 56.60 57.93 56.38
1.5 54.55 55.73 56.99 55.62
2 53.51 54.86 56.05 54.87
2.5 52.48 53.98 55.11 54.11
3 51.44 53.11 54.17 53.36
3.5 50.41 52.24 53.23 52.61
4 49.37 51.36 52.29 51.85
4.5 48.34 50.49 51.35 51.10
5 47.31 49.61 50.41 50.34
5.5 46.27 48.74 49.47 49.59
6 45.24 47.87 48.53 48.83
6.5 44.20 46.99 47.59 48.08
7 43.17 46.12 46.65 47.33
7.5 42.13 45.25 45.71 46.57
8 41.10 44.37 44.77 45.82
8.5 40.06 43.50 43.83 45.06
9 39.03 42.62 42.89 44.31
9.5 38.00 41.75 41.95 43.55
10 36.96 40.88 41.01 42.80
10.5 36.60 40.53 40.54 41.89
11 36.24 40.18 40.07 40.98
11.5 35.88 39.83 39.60 40.07
12 35.51 39.48 39.13 39.15
12.5 35.15 39.13 38.66 38.24
13 34.79 38.78 38.20 37.33
13.5 34.43 38.44 37.73 36.42
14 34.07 38.09 37.26 35.51
14.5 33.70 37.74 36.79 34.60
15 33.34 37.39 36.32 33.69
15.5 32.98 37.04 35.85 32.77
16 32.62 36.69 35.39 31.86
16.5 32.26 36.34 34.92 30.95
17 31.89 35.99 34.45 30.04
17.5 31.53 35.65 33.98 29.13
18 31.17 35.30 33.51 28.22
18.5 30.81 34.95 33.04 27.31
19 30.45 34.60 32.58 26.40
19.5 30.08 34.25 32.11 25.48
20 29.72 33.90 31.64 24.57
20.5 29.15 33.29 31.16 24.37
21 28.58 32.67 30.68 24.16
21.5 28.02 32.06 30.20 23.96
22 27.45 31.45 29.73 23.76
22.5 26.88 30.83 29.25 23.55
23 26.31 30.22 28.77 23.35
23.5 25.74 29.60 28.29 23.15
24 25.17 28.99 27.81 22.94
24.5 24.60 28.38 27.33 22.74
25 24.03 27.76 26.86 22.54
25.5 23.47 27.15 26.38 22.33
26 22.90 26.54 25.90 22.13
26.5 22.33 25.92 25.42 21.92
27 21.76 25.31 24.94 21.72
27.5 21.19 24.69 24.46 21.52
28 20.62 24.08 23.99 21.31
28.5 20.05 23.47 23.51 21.11
29 19.49 22.85 23.03 20.91
29.5 18.92 22.24 22.55 20.70
30 18.35 21.62 22.07 20.50
30.5 18.14 21.28 21.69 20.14
31 17.92 20.93 21.31 19.78
31.5 17.71 20.58 20.93 19.42
32 17.50 20.24 20.55 19.06
32.5 17.28 19.89 20.18 18.69
33 17.07 19.54 19.80 18.33
33.5 16.86 19.19 19.42 17.97
34 16.65 18.85 19.04 17.61
34.5 16.43 18.50 18.66 17.25
35 16.22 18.15 18.28 16.89
35.5 16.01 17.81 17.90 16.53
36 15.80 17.46 17.52 16.17
36.5 15.58 17.11 17.14 15.81
37 15.37 16.76 16.76 15.45
37.5 15.16 16.42 16.38 15.09
38 14.94 16.07 16.00 14.73
38.5 14.73 15.72 15.62 14.37
39 14.52 15.38 15.24 14.01
39.5 14.31 15.03 14.87 13.65
40 14.09 14.68 14.49 13.29
40.5 13.88 14.62 14.35 13.25
41 13.67 14.55 14.21 13.21
41.5 13.46 14.48 14.07 13.17
42 13.24 14.41 13.93 13.13
42.5 13.03 14.35 13.79 13.09
43 12.82 14.28 13.65 13.05
43.5 12.60 14.21 13.51 13.01
44 12.39 14.14 13.37 12.97
44.5 12.18 14.08 13.23 12.93
45 11.97 14.01 13.09 12.89
45.5 11.75 13.94 12.95 12.85
46 11.54 13.88 12.81 12.81
46.5 11.33 13.81 12.67 12.77
47 11.11 13.74 12.53 12.73
47.5 10.90 13.67 12.39 12.69
48 10.69 13.61 12.25 12.65
48.5 10.48 13.54 12.11 12.61
49 10.26 13.47 11.96 12.57
49.5 10.05 13.40 11.82 12.53
50 9.84 13.34 11.68 12.49
50.5 9.82 13.22 11.70 12.38
51 9.80 13.11 11.72 12.28
51.5 9.79 12.99 11.74 12.18
52 9.77 12.88 11.76 12.07
52.5 9.76 12.76 11.77 11.97
53 9.74 12.64 11.79 11.87
53.5 9.72 12.53 11.81 11.76
54 9.71 12.41 11.83 11.66
54.5 9.69 12.30 11.85 11.55
55 9.67 12.18 11.86 11.45
55.5 9.66 12.07 11.88 11.35
56 9.64 11.95 11.90 11.24
56.5 9.63 11.84 11.92 11.14
57 9.61 11.72 11.94 11.04
57.5 9.59 11.61 11.95 10.93
58 9.58 11.49 11.97 10.83
58.5 9.56 11.38 11.99 10.73
59 9.54 11.26 12.01 10.62
59.5 9.53 11.14 12.03 10.52
60 9.51 11.03 12.04 10.42
60.5 9.42 10.90 11.87 10.43
61 9.32 10.77 11.69 10.44
61.5 9.23 10.64 11.51 10.46
62 9.13 10.51 11.33 10.47
62.5 9.04 10.39 11.15 10.48
63 8.95 10.26 10.97 10.50
63.5 8.85 10.13 10.79 10.51
64 8.76 10.00 10.61 10.52
64.5 8.66 9.87 10.43 10.53
65 8.57 9.74 10.25 10.55
65.5 8.47 9.61 10.07 10.56
66 8.38 9.48 9.89 10.57
66.5 8.28 9.36 9.71 10.59
67 8.19 9.23 9.53 10.60
67.5 8.10 9.10 9.35 10.61
68 8.00 8.97 9.17 10.63
68.5 7.91 8.84 9.00 10.64
69 7.81 8.71 8.82 10.65
69.5 7.72 8.58 8.64 10.67
70 7.62 8.45 8.46 10.68
70.5 7.58 8.37 8.44 10.58
71 7.53 8.29 8.42 10.49
71.5 7.48 8.21 8.41 10.39
72 7.43 8.13 8.39 10.30
73 7.33 7.97 8.36 10.11
73.5 7.29 7.89 8.34 10.01
74 7.24 7.81 8.33 9.92
74.5 7.19 7.73 8.31 9.82
75 7.14 7.65 8.30 9.73
75.5 7.09 7.57 8.28 9.63
76 7.05 7.49 8.26 9.54
76.5 7.00 7.41 8.25 9.44
77 6.95 7.33 8.23 9.35
78 6.85 7.17 8.20 9.16
78.5 6.80 7.09 8.18 9.06
79 6.76 7.01 8.17 8.97
79.5 6.71 6.93 8.15 8.87
80 6.66 6.85 8.13 8.78
80.5 6.62 6.93 8.13 8.71
81 6.59 7.00 8.12 8.64
81.5 6.55 7.08 8.12 8.57
82 6.51 7.16 8.12 8.51
82.5 6.48 7.24 8.11 8.44
83 6.44 7.32 8.11 8.37
83.5 6.41 7.40 8.10 8.30
84 6.37 7.47 8.10 8.23
84.5 6.33 7.55 8.10 8.17
85 6.30 7.63 8.09 8.10
85.5 6.26 7.71 8.09 8.03
86 6.22 7.79 8.08 7.96
86.5 6.19 7.87 8.08 7.89
87 6.15 7.94 8.07 7.83
87.5 6.11 8.02 8.07 7.76
88 6.08 8.10 8.07 7.69
88.5 6.04 8.18 8.06 7.62
89 6.00 8.26 8.06 7.55
89.5 5.97 8.34 8.05 7.49
90 5.93 8.41 8.05 7.42
90.5 5.85 8.54 7.82 7.30
91 5.77 8.66 7.59 7.19
91.5 5.69 8.78 7.36 7.08
92 5.61 8.90 7.13 6.97
93 5.44 9.15 6.67 6.74
93.5 5.36 9.27 6.44 6.63
94 5.28 9.39 6.21 6.52
94.5 5.20 9.51 5.98 6.40
95 5.12 9.63 5.75 6.29
95.5 5.03 9.76 5.52 6.18
96 4.95 9.88 5.29 6.06
96.5 4.87 10.00 5.07 5.95
97 4.79 10.12 4.84 5.84
97.5 4.71 10.24 4.61 5.73
98 4.63 10.37 4.38 5.61
98.5 4.55 10.49 4.15 5.50
99 4.46 10.61 3.92 5.39
99.5 4.38 10.73 3.69 5.27
100 4.30 10.85 3.46 5.16

Figure O--4. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Race or ethnicity (location-based distribution)
Percent denied
Score Non-
Hispanic
white
Black Hispanic Asian
0 56.89 58.63 58.42 60.42
0.5 55.94 57.73 57.46 59.37
1 54.98 56.84 56.51 58.32
1.5 54.02 55.95 55.56 57.26
2 53.06 55.05 54.60 56.21
2.5 52.11 54.16 53.65 55.16
3 51.15 53.27 52.70 54.11
3.5 50.19 52.38 51.74 53.05
4 49.23 51.48 50.79 52.00
4.5 48.28 50.59 49.84 50.95
5 47.32 49.70 48.88 49.90
5.5 46.36 48.81 47.93 48.84
6 45.40 47.91 46.98 47.79
6.5 44.44 47.02 46.02 46.74
7 43.49 46.13 45.07 45.69
7.5 42.53 45.23 44.11 44.64
8 41.57 44.34 43.16 43.58
8.5 40.61 43.45 42.21 42.53
9 39.66 42.56 41.25 41.48
9.5 38.70 41.66 40.30 40.43
10 37.74 40.77 39.35 39.37
10.5 37.31 40.28 38.81 38.86
11 36.87 39.78 38.26 38.34
11.5 36.43 39.28 37.72 37.82
12 36.00 38.79 37.18 37.30
12.5 35.56 38.29 36.64 36.79
13 35.12 37.80 36.10 36.27
13.5 34.69 37.30 35.56 35.75
14 34.25 36.81 35.02 35.24
14.5 33.81 36.31 34.47 34.72
15 33.38 35.82 33.93 34.20
15.5 32.94 35.32 33.39 33.69
16 32.50 34.83 32.85 33.17
16.5 32.07 34.33 32.31 32.65
17 31.63 33.84 31.77 32.13
17.5 31.19 33.34 31.23 31.62
18 30.76 32.85 30.69 31.10
18.5 30.32 32.35 30.14 30.58
19 29.88 31.86 29.60 30.07
19.5 29.45 31.36 29.06 29.55
20 29.01 30.87 28.52 29.03
20.5 28.50 30.30 28.05 28.52
21 27.99 29.73 27.57 28.01
21.5 27.47 29.16 27.10 27.51
22 26.96 28.59 26.62 27.00
22.5 26.45 28.02 26.15 26.49
23 25.94 27.45 25.68 25.98
23.5 25.43 26.88 25.20 25.47
24 24.92 26.31 24.73 24.96
24.5 24.41 25.74 24.25 24.45
25 23.90 25.17 23.78 23.94
25.5 23.38 24.60 23.30 23.43
26 22.87 24.03 22.83 22.93
26.5 22.36 23.46 22.36 22.42
27 21.85 22.89 21.88 21.91
27.5 21.34 22.32 21.41 21.40
28 20.83 21.75 20.93 20.89
28.5 20.32 21.18 20.46 20.38
29 19.80 20.61 19.99 19.87
29.5 19.29 20.04 19.51 19.36
30 18.78 19.47 19.04 18.85
30.5 18.54 19.26 18.81 18.62
31 18.29 19.04 18.59 18.38
31.5 18.04 18.83 18.37 18.14
32 17.80 18.62 18.15 17.90
32.5 17.55 18.41 17.93 17.67
33 17.31 18.20 17.71 17.43
33.5 17.06 17.99 17.48 17.19
34 16.82 17.78 17.26 16.95
34.5 16.57 17.57 17.04 16.72
35 16.33 17.36 16.82 16.48
35.5 16.08 17.15 16.60 16.24
36 15.83 16.94 16.38 16.00
36.5 15.59 16.73 16.15 15.76
37 15.34 16.52 15.93 15.53
37.5 15.10 16.31 15.71 15.29
38 14.85 16.10 15.49 15.05
38.5 14.61 15.89 15.27 14.81
39 14.36 15.68 15.04 14.58
39.5 14.11 15.46 14.82 14.34
40 13.87 15.25 14.60 14.10
40.5 13.68 15.06 14.38 13.94
41 13.49 14.86 14.16 13.78
41.5 13.29 14.66 13.95 13.61
42 13.10 14.46 13.73 13.45
42.5 12.91 14.26 13.51 13.29
43 12.72 14.07 13.29 13.12
43.5 12.53 13.87 13.07 12.96
44 12.33 13.67 12.85 12.80
44.5 12.14 13.47 12.64 12.64
45 11.95 13.27 12.42 12.47
45.5 11.76 13.08 12.20 12.31
46 11.57 12.88 11.98 12.15
46.5 11.37 12.68 11.76 11.99
47 11.18 12.48 11.54 11.82
47.5 10.99 12.28 11.32 11.66
48 10.80 12.08 11.11 11.50
48.5 10.61 11.89 10.89 11.33
49 10.41 11.69 10.67 11.17
49.5 10.22 11.49 10.45 11.01
50 10.03 11.29 10.23 10.85
50.5 9.99 11.20 10.22 10.75
51 9.96 11.11 10.21 10.66
51.5 9.92 11.02 10.20 10.56
52 9.88 10.94 10.19 10.47
52.5 9.84 10.85 10.17 10.37
53 9.80 10.76 10.16 10.27
53.5 9.77 10.67 10.15 10.18
54 9.73 10.58 10.14 10.08
54.5 9.69 10.49 10.13 9.99
55 9.65 10.40 10.11 9.89
55.5 9.62 10.31 10.10 9.80
56 9.58 10.22 10.09 9.70
56.5 9.54 10.13 10.08 9.61
57 9.50 10.04 10.07 9.51
57.5 9.47 9.95 10.06 9.42
58 9.43 9.86 10.04 9.32
58.5 9.39 9.77 10.03 9.23
59 9.35 9.68 10.02 9.13
59.5 9.31 9.60 10.01 9.04
60 9.28 9.51 10.00 8.94
60.5 9.14 9.31 9.82 8.84
61 9.01 9.11 9.65 8.75
61.5 8.88 8.92 9.47 8.65
62 8.75 8.72 9.29 8.55
62.5 8.61 8.53 9.12 8.45
63 8.48 8.33 8.94 8.36
63.5 8.35 8.13 8.77 8.26
64 8.22 7.94 8.59 8.16
64.5 8.08 7.74 8.42 8.06
65 7.95 7.54 8.24 7.96
65.5 7.82 7.35 8.07 7.87
66 7.69 7.15 7.89 7.77
66.5 7.55 6.96 7.71 7.67
67 7.42 6.76 7.54 7.57
67.5 7.29 6.56 7.36 7.48
68 7.16 6.37 7.19 7.38
68.5 7.02 6.17 7.01 7.28
69 6.89 5.98 6.84 7.18
69.5 6.76 5.78 6.66 7.09
70 6.63 5.58 6.49 6.99
70.5 6.62 5.62 6.49 7.00
71 6.62 5.65 6.49 7.02
71.5 6.62 5.68 6.49 7.03
72 6.62 5.72 6.50 7.05
73 6.61 5.78 6.50 7.08
73.5 6.61 5.81 6.51 7.10
74 6.61 5.85 6.51 7.11
74.5 6.60 5.88 6.51 7.13
75 6.60 5.91 6.52 7.14
75.5 6.60 5.95 6.52 7.16
76 6.60 5.98 6.52 7.17
76.5 6.59 6.01 6.53 7.19
77 6.59 6.05 6.53 7.20
78 6.59 6.11 6.53 7.23
78.5 6.58 6.14 6.54 7.25
79 6.58 6.18 6.54 7.26
79.5 6.58 6.21 6.54 7.28
80 6.58 6.24 6.55 7.29
80.5 6.55 6.28 6.56 7.26
81 6.53 6.32 6.58 7.23
81.5 6.50 6.36 6.60 7.20
82 6.48 6.40 6.61 7.17
82.5 6.45 6.44 6.63 7.14
83 6.43 6.48 6.64 7.11
83.5 6.40 6.52 6.66 7.08
84 6.38 6.56 6.68 7.05
84.5 6.35 6.60 6.69 7.02
85 6.33 6.64 6.71 6.99
85.5 6.30 6.68 6.73 6.96
86 6.28 6.72 6.74 6.93
86.5 6.25 6.76 6.76 6.90
87 6.23 6.80 6.78 6.87
87.5 6.20 6.84 6.79 6.84
88 6.18 6.88 6.81 6.81
88.5 6.15 6.92 6.82 6.78
89 6.13 6.96 6.84 6.76
89.5 6.10 7.00 6.86 6.73
90 6.08 7.04 6.87 6.70
90.5 5.98 6.89 6.70 6.57
91 5.89 6.74 6.53 6.44
91.5 5.80 6.59 6.36 6.31
92 5.71 6.44 6.18 6.18
93 5.52 6.14 5.84 5.92
93.5 5.43 5.99 5.67 5.79
94 5.33 5.84 5.49 5.66
94.5 5.24 5.69 5.32 5.53
95 5.15 5.54 5.15 5.40
95.5 5.06 5.39 4.98 5.27
96 4.96 5.24 4.81 5.14
96.5 4.87 5.09 4.63 5.01
97 4.78 4.94 4.46 4.88
97.5 4.68 4.79 4.29 4.75
98 4.59 4.64 4.12 4.62
98.5 4.50 4.49 3.94 4.49
99 4.41 4.34 3.77 4.36
99.5 4.31 4.19 3.60 4.23
100 4.22 4.04 3.43 4.10

Figure O--4. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Sex
Percent denied
Score Male Female
0 58.59 57.70
0.5 57.57 56.76
1 56.55 55.83
1.5 55.53 54.89
2 54.51 53.95
2.5 53.49 53.02
3 52.47 52.08
3.5 51.45 51.14
4 50.43 50.21
4.5 49.41 49.27
5 48.39 48.34
5.5 47.36 47.40
6 46.34 46.46
6.5 45.32 45.53
7 44.30 44.59
7.5 43.28 43.65
8 42.26 42.72
8.5 41.24 41.78
9 40.22 40.84
9.5 39.20 39.91
10 38.18 38.97
10.5 37.80 38.56
11 37.43 38.15
11.5 37.05 37.74
12 36.67 37.32
12.5 36.30 36.91
13 35.92 36.50
13.5 35.55 36.09
14 35.17 35.68
14.5 34.79 35.27
15 34.42 34.86
15.5 34.04 34.45
16 33.67 34.04
16.5 33.29 33.63
17 32.91 33.22
17.5 32.54 32.80
18 32.16 32.39
18.5 31.79 31.98
19 31.41 31.57
19.5 31.04 31.16
20 30.66 30.75
20.5 30.15 30.12
21 29.64 29.48
21.5 29.13 28.85
22 28.62 28.21
22.5 28.11 27.58
23 27.59 26.94
23.5 27.08 26.31
24 26.57 25.68
24.5 26.06 25.04
25 25.55 24.41
25.5 25.04 23.77
26 24.53 23.14
26.5 24.02 22.50
27 23.51 21.87
27.5 23.00 21.24
28 22.49 20.60
28.5 21.98 19.97
29 21.46 19.33
29.5 20.95 18.70
30 20.44 18.06
30.5 20.18 17.82
31 19.92 17.58
31.5 19.65 17.34
32 19.39 17.11
32.5 19.13 16.87
33 18.87 16.63
33.5 18.60 16.39
34 18.34 16.15
34.5 18.08 15.91
35 17.82 15.67
35.5 17.55 15.43
36 17.29 15.19
36.5 17.03 14.95
37 16.77 14.71
37.5 16.50 14.47
38 16.24 14.23
38.5 15.98 13.99
39 15.72 13.75
39.5 15.45 13.51
40 15.19 13.27
40.5 15.00 13.09
41 14.81 12.92
41.5 14.62 12.74
42 14.43 12.57
42.5 14.24 12.39
43 14.05 12.21
43.5 13.86 12.04
44 13.67 11.86
44.5 13.48 11.69
45 13.29 11.51
45.5 13.10 11.34
46 12.90 11.16
46.5 12.71 10.99
47 12.52 10.81
47.5 12.33 10.64
48 12.14 10.46
48.5 11.95 10.29
49 11.76 10.11
49.5 11.57 9.94
50 11.38 9.76
50.5 11.36 9.72
51 11.33 9.67
51.5 11.31 9.63
52 11.28 9.58
52.5 11.26 9.54
53 11.23 9.49
53.5 11.21 9.45
54 11.18 9.40
54.5 11.16 9.36
55 11.13 9.31
55.5 11.11 9.27
56 11.09 9.22
56.5 11.06 9.18
57 11.04 9.13
57.5 11.01 9.09
58 10.99 9.04
58.5 10.96 9.00
59 10.94 8.95
59.5 10.91 8.91
60 10.89 8.86
60.5 10.77 8.78
61 10.65 8.69
61.5 10.53 8.61
62 10.41 8.52
62.5 10.30 8.44
63 10.18 8.36
63.5 10.06 8.27
64 9.94 8.19
64.5 9.82 8.10
65 9.70 8.02
65.5 9.58 7.93
66 9.47 7.85
66.5 9.35 7.76
67 9.23 7.68
67.5 9.11 7.60
68 8.99 7.51
68.5 8.87 7.43
69 8.75 7.34
69.5 8.63 7.26
70 8.52 7.17
70.5 8.50 7.09
71 8.48 7.02
71.5 8.46 6.94
72 8.44 6.86
73 8.41 6.70
73.5 8.39 6.62
74 8.37 6.54
74.5 8.35 6.46
75 8.34 6.39
75.5 8.32 6.31
76 8.30 6.23
76.5 8.28 6.15
77 8.26 6.07
78 8.23 5.91
78.5 8.21 5.84
79 8.19 5.76
79.5 8.17 5.68
80 8.16 5.60
80.5 8.09 5.60
81 8.02 5.61
81.5 7.95 5.61
82 7.89 5.62
82.5 7.82 5.62
83 7.75 5.62
83.5 7.69 5.63
84 7.62 5.63
84.5 7.55 5.64
85 7.48 5.64
85.5 7.42 5.65
86 7.35 5.65
86.5 7.28 5.65
87 7.22 5.66
87.5 7.15 5.66
88 7.08 5.67
88.5 7.01 5.67
89 6.95 5.68
89.5 6.88 5.68
90 6.81 5.68
90.5 6.68 5.62
91 6.55 5.56
91.5 6.42 5.50
92 6.29 5.44
93 6.03 5.32
93.5 5.90 5.25
94 5.77 5.19
94.5 5.64 5.13
95 5.51 5.07
95.5 5.38 5.01
96 5.25 4.95
96.5 5.13 4.89
97 5.00 4.82
97.5 4.87 4.76
98 4.74 4.70
98.5 4.61 4.64
99 4.48 4.58
99.5 4.35 4.52
100 4.22 4.46

Figure O--4. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Age (years)
Percent denied
Score Younger
than 30
30-39 40-49 50-61 62 or
older
0 58.99 59.05 57.46 55.79 54.16
0.5 58.10 58.07 56.52 54.86 53.09
1 57.20 57.09 55.58 53.93 52.01
1.5 56.31 56.11 54.64 53.01 50.94
2 55.41 55.13 53.70 52.08 49.87
2.5 54.52 54.15 52.76 51.15 48.79
3 53.62 53.17 51.81 50.22 47.72
3.5 52.73 52.19 50.87 49.29 46.65
4 51.84 51.21 49.93 48.36 45.58
4.5 50.94 50.23 48.99 47.43 44.50
5 50.05 49.25 48.05 46.50 43.43
5.5 49.15 48.27 47.11 45.57 42.36
6 48.26 47.29 46.17 44.64 41.28
6.5 47.37 46.31 45.23 43.71 40.21
7 46.47 45.33 44.29 42.78 39.14
7.5 45.58 44.35 43.35 41.85 38.06
8 44.68 43.37 42.41 40.92 36.99
8.5 43.79 42.39 41.47 39.99 35.92
9 42.89 41.41 40.53 39.06 34.85
9.5 42.00 40.43 39.59 38.13 33.77
10 41.11 39.45 38.65 37.20 32.70
10.5 40.96 39.03 38.11 36.68 32.28
11 40.82 38.60 37.56 36.15 31.85
11.5 40.68 38.17 37.02 35.62 31.43
12 40.54 37.74 36.48 35.09 31.00
12.5 40.39 37.32 35.94 34.56 30.58
13 40.25 36.89 35.40 34.04 30.15
13.5 40.11 36.46 34.86 33.51 29.73
14 39.97 36.03 34.31 32.98 29.31
14.5 39.82 35.61 33.77 32.45 28.88
15 39.68 35.18 33.23 31.92 28.46
15.5 39.54 34.75 32.69 31.40 28.03
16 39.40 34.32 32.15 30.87 27.61
16.5 39.26 33.90 31.61 30.34 27.18
17 39.11 33.47 31.06 29.81 26.76
17.5 38.97 33.04 30.52 29.28 26.34
18 38.83 32.61 29.98 28.75 25.91
18.5 38.69 32.18 29.44 28.23 25.49
19 38.54 31.76 28.90 27.70 25.06
19.5 38.40 31.33 28.36 27.17 24.64
20 38.26 30.90 27.81 26.64 24.21
20.5 37.42 30.36 27.42 26.22 23.73
21 36.58 29.82 27.03 25.81 23.25
21.5 35.74 29.28 26.64 25.39 22.77
22 34.90 28.74 26.25 24.97 22.29
22.5 34.06 28.20 25.86 24.55 21.80
23 33.22 27.66 25.47 24.13 21.32
23.5 32.38 27.12 25.08 23.71 20.84
24 31.54 26.58 24.68 23.30 20.36
24.5 30.70 26.04 24.29 22.88 19.88
25 29.85 25.50 23.90 22.46 19.39
25.5 29.01 24.96 23.51 22.04 18.91
26 28.17 24.42 23.12 21.62 18.43
26.5 27.33 23.88 22.73 21.21 17.95
27 26.49 23.34 22.34 20.79 17.47
27.5 25.65 22.79 21.95 20.37 16.98
28 24.81 22.25 21.55 19.95 16.50
28.5 23.97 21.71 21.16 19.53 16.02
29 23.13 21.17 20.77 19.12 15.54
29.5 22.29 20.63 20.38 18.70 15.06
30 21.45 20.09 19.99 18.28 14.57
30.5 21.20 19.83 19.66 18.06 14.43
31 20.96 19.56 19.33 17.85 14.29
31.5 20.71 19.30 19.00 17.63 14.15
32 20.47 19.03 18.67 17.41 14.01
32.5 20.22 18.77 18.34 17.19 13.87
33 19.98 18.50 18.01 16.98 13.73
33.5 19.73 18.24 17.68 16.76 13.59
34 19.48 17.97 17.35 16.54 13.45
34.5 19.24 17.71 17.02 16.33 13.31
35 18.99 17.44 16.69 16.11 13.17
35.5 18.75 17.18 16.36 15.89 13.03
36 18.50 16.91 16.03 15.68 12.89
36.5 18.26 16.65 15.70 15.46 12.75
37 18.01 16.39 15.37 15.24 12.60
37.5 17.76 16.12 15.04 15.03 12.46
38 17.52 15.86 14.71 14.81 12.32
38.5 17.27 15.59 14.37 14.59 12.18
39 17.03 15.33 14.04 14.37 12.04
39.5 16.78 15.06 13.71 14.16 11.90
40 16.54 14.80 13.38 13.94 11.76
40.5 16.34 14.59 13.28 13.77 11.55
41 16.14 14.38 13.17 13.59 11.34
41.5 15.94 14.17 13.07 13.42 11.13
42 15.73 13.96 12.96 13.24 10.91
42.5 15.53 13.75 12.86 13.06 10.70
43 15.33 13.55 12.75 12.89 10.49
43.5 15.13 13.34 12.65 12.71 10.28
44 14.93 13.13 12.54 12.54 10.07
44.5 14.73 12.92 12.44 12.36 9.86
45 14.53 12.71 12.33 12.19 9.65
45.5 14.33 12.50 12.23 12.01 9.43
46 14.13 12.29 12.12 11.84 9.22
46.5 13.93 12.09 12.02 11.66 9.01
47 13.73 11.88 11.91 11.49 8.80
47.5 13.53 11.67 11.81 11.31 8.59
48 13.33 11.46 11.70 11.14 8.38
48.5 13.13 11.25 11.60 10.96 8.17
49 12.93 11.04 11.49 10.79 7.95
49.5 12.73 10.83 11.39 10.61 7.74
50 12.53 10.63 11.28 10.44 7.53
50.5 12.45 10.62 11.20 10.43 7.52
51 12.36 10.61 11.12 10.42 7.51
51.5 12.27 10.60 11.04 10.42 7.51
52 12.19 10.59 10.96 10.41 7.50
52.5 12.10 10.58 10.88 10.40 7.49
53 12.02 10.57 10.80 10.40 7.48
53.5 11.93 10.56 10.72 10.39 7.47
54 11.85 10.55 10.64 10.38 7.46
54.5 11.76 10.54 10.56 10.37 7.46
55 11.68 10.53 10.48 10.37 7.45
55.5 11.59 10.52 10.40 10.36 7.44
56 11.51 10.51 10.32 10.35 7.43
56.5 11.42 10.50 10.24 10.35 7.42
57 11.34 10.49 10.16 10.34 7.41
57.5 11.25 10.48 10.08 10.33 7.41
58 11.17 10.47 10.00 10.33 7.40
58.5 11.08 10.46 9.92 10.32 7.39
59 11.00 10.45 9.84 10.31 7.38
59.5 10.91 10.44 9.76 10.31 7.37
60 10.83 10.43 9.68 10.30 7.36
60.5 10.79 10.38 9.65 10.14 7.25
61 10.74 10.33 9.63 9.99 7.14
61.5 10.70 10.28 9.60 9.84 7.02
62 10.66 10.23 9.57 9.68 6.91
62.5 10.62 10.18 9.54 9.53 6.80
63 10.57 10.13 9.52 9.37 6.68
63.5 10.53 10.08 9.49 9.22 6.57
64 10.49 10.03 9.46 9.06 6.45
64.5 10.45 9.98 9.44 8.91 6.34
65 10.41 9.94 9.41 8.76 6.23
65.5 10.36 9.89 9.38 8.60 6.11
66 10.32 9.84 9.35 8.45 6.00
66.5 10.28 9.79 9.33 8.29 5.88
67 10.24 9.74 9.30 8.14 5.77
67.5 10.19 9.69 9.27 7.98 5.66
68 10.15 9.64 9.25 7.83 5.54
68.5 10.11 9.59 9.22 7.68 5.43
69 10.07 9.54 9.19 7.52 5.31
69.5 10.03 9.49 9.16 7.37 5.20
70 9.98 9.44 9.14 7.21 5.09
70.5 10.01 9.39 9.10 7.24 5.04
71 10.05 9.35 9.05 7.27 5.00
71.5 10.08 9.30 9.01 7.30 4.96
72 10.11 9.25 8.97 7.33 4.92
73 10.17 9.16 8.89 7.39 4.83
73.5 10.20 9.11 8.85 7.42 4.79
74 10.23 9.06 8.80 7.45 4.75
74.5 10.27 9.02 8.76 7.48 4.70
75 10.30 8.97 8.72 7.51 4.66
75.5 10.33 8.92 8.68 7.54 4.62
76 10.36 8.88 8.64 7.57 4.58
76.5 10.39 8.83 8.59 7.60 4.53
77 10.42 8.78 8.55 7.63 4.49
78 10.49 8.69 8.47 7.69 4.41
78.5 10.52 8.64 8.43 7.72 4.37
79 10.55 8.60 8.39 7.75 4.32
79.5 10.58 8.55 8.34 7.78 4.28
80 10.61 8.50 8.30 7.81 4.24
80.5 10.57 8.49 8.27 7.74 4.26
81 10.53 8.48 8.25 7.68 4.29
81.5 10.49 8.47 8.22 7.62 4.32
82 10.45 8.46 8.19 7.55 4.34
82.5 10.40 8.44 8.16 7.49 4.37
83 10.36 8.43 8.13 7.42 4.39
83.5 10.32 8.42 8.11 7.36 4.42
84 10.28 8.41 8.08 7.29 4.45
84.5 10.24 8.40 8.05 7.23 4.47
85 10.20 8.39 8.02 7.17 4.50
85.5 10.16 8.38 7.99 7.10 4.52
86 10.12 8.37 7.96 7.04 4.55
86.5 10.08 8.35 7.94 6.97 4.58
87 10.03 8.34 7.91 6.91 4.60
87.5 9.99 8.33 7.88 6.84 4.63
88 9.95 8.32 7.85 6.78 4.65
88.5 9.91 8.31 7.82 6.72 4.68
89 9.87 8.30 7.80 6.65 4.71
89.5 9.83 8.29 7.77 6.59 4.73
90 9.79 8.27 7.74 6.52 4.76
90.5 10.13 8.16 7.64 6.49 4.69
91 10.48 8.06 7.55 6.45 4.62
91.5 10.83 7.95 7.45 6.42 4.56
92 11.18 7.84 7.36 6.38 4.49
93 11.87 7.62 7.16 6.31 4.35
93.5 12.22 7.51 7.07 6.28 4.29
94 12.57 7.40 6.97 6.24 4.22
94.5 12.91 7.29 6.88 6.21 4.15
95 13.26 7.18 6.78 6.17 4.08
95.5 13.61 7.07 6.68 6.14 4.02
96 13.96 6.97 6.59 6.10 3.95
96.5 14.30 6.86 6.49 6.07 3.88
97 14.65 6.75 6.40 6.03 3.81
97.5 15.00 6.64 6.30 6.00 3.75
98 15.35 6.53 6.20 5.96 3.68
98.5 15.69 6.42 6.11 5.92 3.61
99 16.04 6.31 6.01 5.89 3.54
99.5 16.39 6.20 5.92 5.85 3.48
100 16.74 6.09 5.82 5.82 3.41

Figure O--4. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Marital status
Percent denied
Score Married
male
Single
male
Married
female
Single
female
0 56.32 61.12 56.72 58.44
0.5 55.46 59.96 55.73 57.53
1 54.60 58.80 54.75 56.61
1.5 53.74 57.65 53.76 55.70
2 52.88 56.49 52.78 54.78
2.5 52.02 55.34 51.80 53.87
3 51.16 54.18 50.81 52.96
3.5 50.30 53.02 49.83 52.04
4 49.44 51.87 48.84 51.13
4.5 48.58 50.71 47.86 50.22
5 47.72 49.56 46.88 49.30
5.5 46.86 48.40 45.89 48.39
6 46.00 47.24 44.91 47.47
6.5 45.14 46.09 43.92 46.56
7 44.28 44.93 42.94 45.65
7.5 43.42 43.77 41.95 44.73
8 42.56 42.62 40.97 43.82
8.5 41.70 41.46 39.99 42.91
9 40.84 40.31 39.00 41.99
9.5 39.98 39.15 38.02 41.08
10 39.12 37.99 37.03 40.16
10.5 38.58 37.70 36.65 39.67
11 38.04 37.41 36.26 39.17
11.5 37.50 37.12 35.88 38.67
12 36.97 36.82 35.49 38.18
12.5 36.43 36.53 35.11 37.68
13 35.89 36.24 34.72 37.18
13.5 35.35 35.95 34.34 36.68
14 34.82 35.65 33.95 36.19
14.5 34.28 35.36 33.57 35.69
15 33.74 35.07 33.18 35.19
15.5 33.21 34.78 32.80 34.69
16 32.67 34.49 32.41 34.20
16.5 32.13 34.19 32.03 33.70
17 31.59 33.90 31.64 33.20
17.5 31.06 33.61 31.26 32.70
18 30.52 33.32 30.87 32.21
18.5 29.98 33.02 30.48 31.71
19 29.44 32.73 30.10 31.21
19.5 28.91 32.44 29.71 30.72
20 28.37 32.15 29.33 30.22
20.5 27.95 31.56 28.70 29.71
21 27.54 30.98 28.07 29.20
21.5 27.12 30.40 27.45 28.69
22 26.70 29.82 26.82 28.19
22.5 26.29 29.24 26.19 27.68
23 25.87 28.66 25.56 27.17
23.5 25.46 28.08 24.93 26.66
24 25.04 27.50 24.31 26.16
24.5 24.62 26.92 23.68 25.65
25 24.21 26.34 23.05 25.14
25.5 23.79 25.76 22.42 24.63
26 23.38 25.18 21.80 24.12
26.5 22.96 24.60 21.17 23.62
27 22.54 24.02 20.54 23.11
27.5 22.13 23.44 19.91 22.60
28 21.71 22.86 19.29 22.09
28.5 21.30 22.27 18.66 21.58
29 20.88 21.69 18.03 21.08
29.5 20.46 21.11 17.40 20.57
30 20.05 20.53 16.77 20.06
30.5 19.77 20.33 16.51 19.76
31 19.50 20.12 16.24 19.47
31.5 19.22 19.91 15.97 19.17
32 18.95 19.71 15.70 18.87
32.5 18.67 19.50 15.44 18.57
33 18.39 19.30 15.17 18.28
33.5 18.12 19.09 14.90 17.98
34 17.84 18.89 14.63 17.68
34.5 17.57 18.68 14.37 17.39
35 17.29 18.47 14.10 17.09
35.5 17.02 18.27 13.83 16.79
36 16.74 18.06 13.56 16.49
36.5 16.47 17.86 13.30 16.20
37 16.19 17.65 13.03 15.90
37.5 15.92 17.44 12.76 15.60
38 15.64 17.24 12.50 15.31
38.5 15.37 17.03 12.23 15.01
39 15.09 16.83 11.96 14.71
39.5 14.82 16.62 11.69 14.41
40 14.54 16.41 11.43 14.12
40.5 14.35 16.17 11.33 13.95
41 14.16 15.93 11.24 13.79
41.5 13.96 15.69 11.14 13.62
42 13.77 15.45 11.05 13.46
42.5 13.58 15.21 10.95 13.29
43 13.39 14.97 10.86 13.13
43.5 13.19 14.72 10.76 12.96
44 13.00 14.48 10.67 12.80
44.5 12.81 14.24 10.57 12.63
45 12.62 14.00 10.48 12.47
45.5 12.42 13.76 10.39 12.30
46 12.23 13.52 10.29 12.14
46.5 12.04 13.28 10.20 11.97
47 11.85 13.04 10.10 11.81
47.5 11.65 12.79 10.01 11.65
48 11.46 12.55 9.91 11.48
48.5 11.27 12.31 9.82 11.32
49 11.08 12.07 9.72 11.15
49.5 10.88 11.83 9.63 10.99
50 10.69 11.59 9.54 10.82
50.5 10.69 11.59 9.47 10.77
51 10.69 11.59 9.40 10.73
51.5 10.69 11.59 9.33 10.68
52 10.69 11.59 9.26 10.63
52.5 10.69 11.59 9.19 10.59
53 10.68 11.59 9.12 10.54
53.5 10.68 11.59 9.05 10.49
54 10.68 11.59 8.98 10.44
54.5 10.68 11.60 8.91 10.40
55 10.68 11.60 8.84 10.35
55.5 10.68 11.60 8.77 10.30
56 10.68 11.60 8.70 10.25
56.5 10.67 11.60 8.63 10.21
57 10.67 11.60 8.56 10.16
57.5 10.67 11.60 8.49 10.11
58 10.67 11.60 8.42 10.07
58.5 10.67 11.60 8.35 10.02
59 10.67 11.60 8.28 9.97
59.5 10.67 11.60 8.21 9.92
60 10.66 11.60 8.14 9.88
60.5 10.54 11.46 8.08 9.77
61 10.42 11.32 8.02 9.66
61.5 10.30 11.17 7.96 9.55
62 10.18 11.03 7.90 9.44
62.5 10.06 10.88 7.83 9.33
63 9.93 10.74 7.77 9.22
63.5 9.81 10.59 7.71 9.11
64 9.69 10.45 7.65 9.01
64.5 9.57 10.31 7.59 8.90
65 9.45 10.16 7.53 8.79
65.5 9.32 10.02 7.47 8.68
66 9.20 9.87 7.41 8.57
66.5 9.08 9.73 7.35 8.46
67 8.96 9.59 7.29 8.35
67.5 8.84 9.44 7.23 8.24
68 8.71 9.30 7.17 8.13
68.5 8.59 9.15 7.11 8.02
69 8.47 9.01 7.05 7.92
69.5 8.35 8.86 6.99 7.81
70 8.23 8.72 6.93 7.70
70.5 8.22 8.74 6.86 7.60
71 8.20 8.75 6.80 7.50
71.5 8.19 8.77 6.74 7.40
72 8.18 8.79 6.67 7.30
73 8.16 8.83 6.55 7.10
73.5 8.14 8.84 6.48 7.00
74 8.13 8.86 6.42 6.90
74.5 8.12 8.88 6.36 6.80
75 8.11 8.90 6.29 6.70
75.5 8.10 8.92 6.23 6.60
76 8.08 8.93 6.17 6.51
76.5 8.07 8.95 6.10 6.41
77 8.06 8.97 6.04 6.31
78 8.04 9.00 5.91 6.11
78.5 8.02 9.02 5.85 6.01
79 8.01 9.04 5.79 5.91
79.5 8.00 9.06 5.73 5.81
80 7.99 9.08 5.66 5.71
80.5 7.89 9.03 5.66 5.71
81 7.78 8.99 5.66 5.71
81.5 7.68 8.95 5.65 5.71
82 7.58 8.91 5.65 5.71
82.5 7.48 8.87 5.65 5.71
83 7.37 8.82 5.64 5.71
83.5 7.27 8.78 5.64 5.71
84 7.17 8.74 5.64 5.71
84.5 7.07 8.70 5.63 5.71
85 6.97 8.66 5.63 5.71
85.5 6.86 8.61 5.63 5.71
86 6.76 8.57 5.62 5.71
86.5 6.66 8.53 5.62 5.71
87 6.56 8.49 5.62 5.71
87.5 6.45 8.45 5.61 5.71
88 6.35 8.40 5.61 5.71
88.5 6.25 8.36 5.61 5.71
89 6.15 8.32 5.60 5.71
89.5 6.05 8.28 5.60 5.71
90 5.94 8.24 5.60 5.71
90.5 5.87 8.02 5.54 5.64
91 5.79 7.79 5.49 5.56
91.5 5.71 7.57 5.44 5.49
92 5.64 7.35 5.39 5.41
93 5.49 6.91 5.29 5.26
93.5 5.41 6.69 5.24 5.19
94 5.33 6.47 5.19 5.11
94.5 5.26 6.25 5.14 5.04
95 5.18 6.02 5.09 4.96
95.5 5.10 5.80 5.04 4.89
96 5.03 5.58 4.98 4.81
96.5 4.95 5.36 4.93 4.74
97 4.87 5.14 4.88 4.66
97.5 4.80 4.92 4.83 4.59
98 4.72 4.70 4.78 4.51
98.5 4.65 4.48 4.73 4.44
99 4.57 4.25 4.68 4.36
99.5 4.49 4.03 4.63 4.29
100 4.42 3.81 4.58 4.21

Figure O--4. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Income ratio of tract
Percent denied
Score Low Moderate Middle High
0 59.80 56.52 57.09 59.50
0.5 59.00 55.64 56.13 58.44
1 58.21 54.77 55.17 57.38
1.5 57.41 53.89 54.20 56.32
2 56.61 53.02 53.24 55.26
2.5 55.81 52.14 52.27 54.20
3 55.01 51.27 51.31 53.13
3.5 54.21 50.40 50.35 52.07
4 53.41 49.52 49.38 51.01
4.5 52.62 48.65 48.42 49.95
5 51.82 47.77 47.46 48.89
5.5 51.02 46.90 46.49 47.83
6 50.22 46.02 45.53 46.77
6.5 49.42 45.15 44.56 45.70
7 48.62 44.27 43.60 44.64
7.5 47.82 43.40 42.64 43.58
8 47.02 42.53 41.67 42.52
8.5 46.23 41.65 40.71 41.46
9 45.43 40.78 39.75 40.40
9.5 44.63 39.90 38.78 39.34
10 43.83 39.03 37.82 38.27
10.5 43.28 38.56 37.36 37.82
11 42.73 38.09 36.90 37.36
11.5 42.17 37.62 36.44 36.91
12 41.62 37.15 35.98 36.45
12.5 41.07 36.68 35.52 36.00
13 40.52 36.21 35.06 35.54
13.5 39.96 35.74 34.59 35.08
14 39.41 35.27 34.13 34.63
14.5 38.86 34.80 33.67 34.17
15 38.31 34.33 33.21 33.72
15.5 37.76 33.85 32.75 33.26
16 37.20 33.38 32.29 32.81
16.5 36.65 32.91 31.83 32.35
17 36.10 32.44 31.37 31.89
17.5 35.55 31.97 30.91 31.44
18 34.99 31.50 30.45 30.98
18.5 34.44 31.03 29.99 30.53
19 33.89 30.56 29.53 30.07
19.5 33.34 30.09 29.07 29.62
20 32.79 29.62 28.61 29.16
20.5 32.15 29.11 28.10 28.66
21 31.52 28.60 27.60 28.16
21.5 30.89 28.08 27.09 27.66
22 30.26 27.57 26.58 27.16
22.5 29.62 27.06 26.08 26.66
23 28.99 26.54 25.57 26.17
23.5 28.36 26.03 25.06 25.67
24 27.73 25.52 24.56 25.17
24.5 27.09 25.01 24.05 24.67
25 26.46 24.49 23.54 24.17
25.5 25.83 23.98 23.04 23.67
26 25.20 23.47 22.53 23.17
26.5 24.57 22.95 22.02 22.67
27 23.93 22.44 21.52 22.17
27.5 23.30 21.93 21.01 21.67
28 22.67 21.41 20.50 21.18
28.5 22.04 20.90 20.00 20.68
29 21.40 20.39 19.49 20.18
29.5 20.77 19.88 18.98 19.68
30 20.14 19.36 18.48 19.18
30.5 19.88 19.15 18.24 18.92
31 19.61 18.94 18.00 18.66
31.5 19.35 18.73 17.76 18.40
32 19.09 18.52 17.52 18.14
32.5 18.82 18.31 17.29 17.88
33 18.56 18.09 17.05 17.62
33.5 18.30 17.88 16.81 17.36
34 18.03 17.67 16.57 17.10
34.5 17.77 17.46 16.33 16.84
35 17.51 17.25 16.09 16.58
35.5 17.24 17.04 15.86 16.32
36 16.98 16.83 15.62 16.06
36.5 16.72 16.61 15.38 15.80
37 16.46 16.40 15.14 15.53
37.5 16.19 16.19 14.90 15.27
38 15.93 15.98 14.66 15.01
38.5 15.67 15.77 14.43 14.75
39 15.40 15.56 14.19 14.49
39.5 15.14 15.35 13.95 14.23
40 14.88 15.13 13.71 13.97
40.5 14.81 14.91 13.52 13.79
41 14.73 14.68 13.33 13.61
41.5 14.66 14.46 13.13 13.42
42 14.59 14.23 12.94 13.24
42.5 14.52 14.01 12.75 13.05
43 14.45 13.78 12.55 12.87
43.5 14.38 13.56 12.36 12.69
44 14.31 13.33 12.17 12.50
44.5 14.24 13.11 11.97 12.32
45 14.17 12.89 11.78 12.13
45.5 14.10 12.66 11.59 11.95
46 14.03 12.44 11.39 11.77
46.5 13.95 12.21 11.20 11.58
47 13.88 11.99 11.01 11.40
47.5 13.81 11.76 10.81 11.21
48 13.74 11.54 10.62 11.03
48.5 13.67 11.31 10.43 10.85
49 13.60 11.09 10.23 10.66
49.5 13.53 10.86 10.04 10.48
50 13.46 10.64 9.85 10.30
50.5 13.34 10.59 9.82 10.23
51 13.23 10.54 9.80 10.17
51.5 13.12 10.49 9.78 10.10
52 13.00 10.45 9.75 10.04
52.5 12.89 10.40 9.73 9.97
53 12.77 10.35 9.70 9.91
53.5 12.66 10.30 9.68 9.84
54 12.54 10.26 9.66 9.78
54.5 12.43 10.21 9.63 9.71
55 12.31 10.16 9.61 9.65
55.5 12.20 10.11 9.59 9.58
56 12.09 10.07 9.56 9.52
56.5 11.97 10.02 9.54 9.45
57 11.86 9.97 9.51 9.39
57.5 11.74 9.92 9.49 9.32
58 11.63 9.88 9.47 9.26
58.5 11.51 9.83 9.44 9.19
59 11.40 9.78 9.42 9.12
59.5 11.29 9.73 9.39 9.06
60 11.17 9.69 9.37 8.99
60.5 10.85 9.51 9.23 8.89
61 10.52 9.33 9.08 8.79
61.5 10.20 9.15 8.94 8.69
62 9.88 8.97 8.80 8.58
62.5 9.55 8.79 8.66 8.48
63 9.23 8.61 8.51 8.38
63.5 8.91 8.43 8.37 8.28
64 8.58 8.25 8.23 8.17
64.5 8.26 8.07 8.08 8.07
65 7.94 7.89 7.94 7.97
65.5 7.61 7.71 7.80 7.87
66 7.29 7.53 7.65 7.76
66.5 6.96 7.35 7.51 7.66
67 6.64 7.17 7.37 7.56
67.5 6.32 6.99 7.22 7.46
68 5.99 6.81 7.08 7.35
68.5 5.67 6.63 6.94 7.25
69 5.35 6.45 6.80 7.15
69.5 5.02 6.27 6.65 7.05
70 4.70 6.10 6.51 6.94
70.5 4.67 6.13 6.50 6.95
71 4.64 6.17 6.48 6.96
71.5 4.60 6.20 6.47 6.97
72 4.57 6.24 6.46 6.98
73 4.51 6.31 6.43 6.99
73.5 4.48 6.34 6.42 7.00
74 4.44 6.38 6.41 7.01
74.5 4.41 6.41 6.40 7.02
75 4.38 6.44 6.38 7.03
75.5 4.35 6.48 6.37 7.03
76 4.32 6.51 6.36 7.04
76.5 4.28 6.55 6.34 7.05
77 4.25 6.58 6.33 7.06
78 4.19 6.65 6.31 7.08
78.5 4.16 6.69 6.29 7.08
79 4.12 6.72 6.28 7.09
79.5 4.09 6.76 6.27 7.10
80 4.06 6.79 6.26 7.11
80.5 4.58 6.76 6.25 7.06
81 5.09 6.73 6.24 7.02
81.5 5.61 6.70 6.23 6.97
82 6.12 6.67 6.22 6.93
82.5 6.64 6.64 6.21 6.89
83 7.16 6.61 6.20 6.84
83.5 7.67 6.58 6.20 6.80
84 8.19 6.55 6.19 6.75
84.5 8.71 6.52 6.18 6.71
85 9.22 6.49 6.17 6.66
85.5 9.74 6.46 6.16 6.62
86 10.25 6.43 6.15 6.57
86.5 10.77 6.40 6.14 6.53
87 11.29 6.36 6.14 6.48
87.5 11.80 6.33 6.13 6.44
88 12.32 6.30 6.12 6.39
88.5 12.84 6.27 6.11 6.35
89 13.35 6.24 6.10 6.30
89.5 13.87 6.21 6.09 6.26
90 14.38 6.18 6.08 6.22
90.5 13.54 6.05 5.97 6.15
91 12.70 5.92 5.85 6.09
91.5 11.86 5.79 5.74 6.03
92 11.02 5.66 5.62 5.97
93 9.34 5.39 5.39 5.85
93.5 8.50 5.26 5.27 5.79
94 7.66 5.13 5.16 5.72
94.5 6.82 5.00 5.04 5.66
95 5.98 4.87 4.93 5.60
95.5 5.14 4.74 4.81 5.54
96 4.30 4.61 4.70 5.48
96.5 3.46 4.48 4.58 5.42
97 2.62 4.35 4.46 5.36
97.5 1.78 4.21 4.35 5.30
98 0.94 4.08 4.23 5.23
98.5 0.10 3.95 4.12 5.17
99 0.00 3.82 4.00 5.11
99.5 0.00 3.69 3.89 5.05
100 0.00 3.56 3.77 4.99

Return to figure


Figure O--5. TransRisk Score: Mortgage Interest Rate, by Demographic Group

Note. For definition of characteristics, refer to notes to table 9.



Figure O--5. TransRisk Score: Mortgage Interest Rate, by Demographic Group
Race or ethnicity (SSA data)
Interest rate (percent)
Score Non-
Hispanic
white
Black Hispanic Asian
0 10.96 9.91 10.37 4.25
0.5 10.89 9.88 10.34 4.55
1 10.81 9.85 10.32 4.85
1.5 10.73 9.82 10.30 5.14
2 10.66 9.79 10.27 5.44
2.5 10.58 9.77 10.25 5.74
3 10.50 9.74 10.23 6.04
3.5 10.43 9.71 10.20 6.33
4 10.35 9.68 10.18 6.63
4.5 10.27 9.65 10.15 6.93
5 10.20 9.62 10.13 7.22
5.5 10.12 9.59 10.11 7.52
6 10.04 9.56 10.08 7.82
6.5 9.97 9.53 10.06 8.12
7 9.89 9.50 10.04 8.41
7.5 9.82 9.47 10.01 8.71
8 9.74 9.45 9.99 9.01
8.5 9.66 9.42 9.96 9.31
9 9.59 9.39 9.94 9.60
9.5 9.51 9.36 9.92 9.90
10 9.43 9.33 9.89 10.20
10.5 9.41 9.32 9.85 10.08
11 9.38 9.31 9.80 9.95
11.5 9.35 9.30 9.76 9.83
12 9.32 9.29 9.71 9.71
12.5 9.30 9.28 9.67 9.59
13 9.27 9.28 9.62 9.46
13.5 9.24 9.27 9.58 9.34
14 9.22 9.26 9.53 9.22
14.5 9.19 9.25 9.49 9.10
15 9.16 9.24 9.44 8.97
15.5 9.13 9.23 9.40 8.85
16 9.11 9.22 9.35 8.73
16.5 9.08 9.21 9.31 8.61
17 9.05 9.20 9.26 8.48
17.5 9.03 9.19 9.21 8.36
18 9.00 9.19 9.17 8.24
18.5 8.97 9.18 9.12 8.12
19 8.94 9.17 9.08 7.99
19.5 8.92 9.16 9.03 7.87
20 8.89 9.15 8.99 7.75
20.5 8.86 9.14 8.96 7.77
21 8.83 9.13 8.94 7.79
21.5 8.80 9.12 8.91 7.81
22 8.76 9.11 8.89 7.82
22.5 8.73 9.10 8.86 7.84
23 8.70 9.09 8.84 7.86
23.5 8.67 9.08 8.81 7.88
24 8.64 9.07 8.78 7.90
24.5 8.61 9.06 8.76 7.91
25 8.58 9.05 8.73 7.93
25.5 8.54 9.04 8.71 7.95
26 8.51 9.03 8.68 7.97
26.5 8.48 9.02 8.66 7.99
27 8.45 9.01 8.63 8.01
27.5 8.42 9.00 8.61 8.02
28 8.39 8.99 8.58 8.04
28.5 8.36 8.98 8.55 8.06
29 8.32 8.97 8.53 8.08
29.5 8.29 8.96 8.50 8.10
30 8.26 8.95 8.48 8.12
30.5 8.25 8.90 8.47 8.10
31 8.24 8.86 8.47 8.09
31.5 8.23 8.82 8.47 8.07
32 8.22 8.78 8.47 8.06
32.5 8.21 8.73 8.46 8.05
33 8.20 8.69 8.46 8.03
33.5 8.19 8.65 8.46 8.02
34 8.17 8.60 8.46 8.01
34.5 8.16 8.56 8.45 7.99
35 8.15 8.52 8.45 7.98
35.5 8.14 8.47 8.45 7.96
36 8.13 8.43 8.45 7.95
36.5 8.12 8.39 8.44 7.94
37 8.11 8.34 8.44 7.92
37.5 8.10 8.30 8.44 7.91
38 8.09 8.26 8.44 7.89
38.5 8.08 8.22 8.43 7.88
39 8.07 8.17 8.43 7.87
39.5 8.06 8.13 8.43 7.85
40 8.04 8.09 8.43 7.84
40.5 8.03 8.12 8.40 7.78
41 8.01 8.16 8.37 7.72
41.5 7.99 8.19 8.34 7.66
42 7.97 8.23 8.31 7.60
42.5 7.95 8.26 8.28 7.54
43 7.93 8.30 8.25 7.48
43.5 7.91 8.33 8.22 7.43
44 7.89 8.37 8.19 7.37
44.5 7.87 8.40 8.16 7.31
45 7.86 8.44 8.13 7.25
45.5 7.84 8.47 8.10 7.19
46 7.82 8.51 8.07 7.13
46.5 7.80 8.54 8.04 7.07
47 7.78 8.58 8.02 7.01
47.5 7.76 8.61 7.99 6.95
48 7.74 8.65 7.96 6.89
48.5 7.72 8.68 7.93 6.83
49 7.71 8.72 7.90 6.78
49.5 7.69 8.75 7.87 6.72
50 7.67 8.79 7.84 6.66
50.5 7.67 8.71 7.84 6.67
51 7.68 8.63 7.85 6.69
51.5 7.69 8.55 7.85 6.71
52 7.69 8.48 7.86 6.73
52.5 7.70 8.40 7.86 6.75
53 7.71 8.32 7.86 6.76
53.5 7.72 8.24 7.87 6.78
54 7.72 8.16 7.87 6.80
54.5 7.73 8.09 7.88 6.82
55 7.74 8.01 7.88 6.84
55.5 7.74 7.93 7.89 6.85
56 7.75 7.85 7.89 6.87
56.5 7.76 7.77 7.89 6.89
57 7.76 7.70 7.90 6.91
57.5 7.77 7.62 7.90 6.92
58 7.78 7.54 7.91 6.94
58.5 7.78 7.46 7.91 6.96
59 7.79 7.39 7.92 6.98
59.5 7.80 7.31 7.92 7.00
60 7.80 7.23 7.92 7.01
60.5 7.79 7.32 7.92 6.98
61 7.77 7.41 7.92 6.96
61.5 7.75 7.49 7.92 6.93
62 7.74 7.58 7.92 6.90
62.5 7.72 7.67 7.92 6.87
63 7.70 7.76 7.92 6.84
63.5 7.69 7.85 7.92 6.81
64 7.67 7.93 7.92 6.78
64.5 7.65 8.02 7.92 6.75
65 7.64 8.11 7.92 6.72
65.5 7.62 8.20 7.92 6.70
66 7.60 8.29 7.92 6.67
66.5 7.59 8.38 7.92 6.64
67 7.57 8.46 7.92 6.61
67.5 7.55 8.55 7.92 6.58
68 7.53 8.64 7.92 6.55
68.5 7.52 8.73 7.92 6.52
69 7.50 8.82 7.92 6.49
69.5 7.48 8.90 7.92 6.46
70 7.47 8.99 7.92 6.44
70.5 7.46 8.97 7.91 6.48
71 7.46 8.94 7.89 6.52
71.5 7.46 8.91 7.88 6.56
72 7.45 8.89 7.86 6.60
73 7.45 8.83 7.83 6.68
73.5 7.45 8.81 7.82 6.72
74 7.44 8.78 7.80 6.76
74.5 7.44 8.75 7.78 6.80
75 7.44 8.73 7.77 6.84
75.5 7.43 8.70 7.75 6.88
76 7.43 8.67 7.74 6.92
76.5 7.43 8.65 7.72 6.96
77 7.43 8.62 7.71 7.00
78 7.42 8.57 7.68 7.08
78.5 7.42 8.54 7.66 7.12
79 7.41 8.52 7.65 7.16
79.5 7.41 8.49 7.63 7.20
80 7.41 8.46 7.62 7.24
80.5 7.41 8.48 7.58 7.22
81 7.40 8.50 7.54 7.19
81.5 7.40 8.52 7.50 7.17
82 7.40 8.54 7.46 7.14
82.5 7.40 8.55 7.43 7.12
83 7.40 8.57 7.39 7.09
83.5 7.40 8.59 7.35 7.07
84 7.39 8.61 7.31 7.04
84.5 7.39 8.63 7.27 7.02
85 7.39 8.65 7.24 6.99
85.5 7.39 8.67 7.20 6.97
86 7.39 8.68 7.16 6.94
86.5 7.39 8.70 7.12 6.92
87 7.38 8.72 7.08 6.89
87.5 7.38 8.74 7.05 6.87
88 7.38 8.76 7.01 6.84
88.5 7.38 8.78 6.97 6.82
89 7.38 8.79 6.93 6.79
89.5 7.37 8.81 6.89 6.77
90 7.37 8.83 6.86 6.74
90.5 7.38 8.77 6.86 6.78
91 7.39 8.72 6.86 6.81
91.5 7.40 8.66 6.86 6.85
92 7.41 8.60 6.86 6.88
93 7.43 8.49 6.86 6.95
93.5 7.44 8.43 6.86 6.99
94 7.46 8.37 6.86 7.02
94.5 7.47 8.31 6.87 7.06
95 7.48 8.26 6.87 7.09
95.5 7.49 8.20 6.87 7.13
96 7.50 8.14 6.87 7.16
96.5 7.51 8.09 6.87 7.20
97 7.52 8.03 6.87 7.23
97.5 7.53 7.97 6.87 7.27
98 7.54 7.91 6.87 7.30
98.5 7.55 7.86 6.87 7.34
99 7.56 7.80 6.87 7.37
99.5 7.57 7.74 6.88 7.41
100 7.58 7.68 6.88 7.44

Figure O--5. TransRisk Score: Mortgage Interest Rate, by Demographic Group
Race or ethnicity (location-based distribution)
Interest rate (percent)
Score Non-
Hispanic
white
Black Hispanic Asian
0 10.65 10.52 9.82 10.09
0.5 10.58 10.46 9.80 10.04
1 10.52 10.41 9.79 9.99
1.5 10.46 10.36 9.77 9.94
2 10.40 10.30 9.75 9.89
2.5 10.33 10.25 9.74 9.84
3 10.27 10.20 9.72 9.79
3.5 10.21 10.14 9.70 9.74
4 10.15 10.09 9.69 9.69
4.5 10.08 10.04 9.67 9.64
5 10.02 9.99 9.65 9.59
5.5 9.96 9.93 9.64 9.54
6 9.90 9.88 9.62 9.49
6.5 9.83 9.83 9.60 9.44
7 9.77 9.77 9.59 9.39
7.5 9.71 9.72 9.57 9.34
8 9.65 9.67 9.55 9.29
8.5 9.58 9.61 9.54 9.24
9 9.52 9.56 9.52 9.19
9.5 9.46 9.51 9.50 9.14
10 9.40 9.46 9.49 9.09
10.5 9.37 9.43 9.46 9.06
11 9.35 9.41 9.43 9.04
11.5 9.32 9.38 9.40 9.01
12 9.30 9.36 9.37 8.99
12.5 9.27 9.33 9.34 8.96
13 9.25 9.31 9.31 8.94
13.5 9.23 9.28 9.28 8.91
14 9.20 9.26 9.25 8.89
14.5 9.18 9.23 9.23 8.86
15 9.15 9.21 9.20 8.84
15.5 9.13 9.18 9.17 8.81
16 9.10 9.16 9.14 8.79
16.5 9.08 9.13 9.11 8.77
17 9.05 9.10 9.08 8.74
17.5 9.03 9.08 9.05 8.72
18 9.01 9.05 9.02 8.69
18.5 8.98 9.03 8.99 8.67
19 8.96 9.00 8.96 8.64
19.5 8.93 8.98 8.94 8.62
20 8.91 8.95 8.91 8.59
20.5 8.88 8.95 8.88 8.56
21 8.85 8.94 8.85 8.53
21.5 8.81 8.93 8.83 8.49
22 8.78 8.93 8.80 8.46
22.5 8.75 8.92 8.78 8.43
23 8.72 8.91 8.75 8.39
23.5 8.69 8.90 8.73 8.36
24 8.66 8.90 8.70 8.33
24.5 8.63 8.89 8.67 8.29
25 8.60 8.88 8.65 8.26
25.5 8.57 8.87 8.62 8.23
26 8.54 8.87 8.60 8.19
26.5 8.50 8.86 8.57 8.16
27 8.47 8.85 8.54 8.13
27.5 8.44 8.85 8.52 8.09
28 8.41 8.84 8.49 8.06
28.5 8.38 8.83 8.47 8.03
29 8.35 8.82 8.44 7.99
29.5 8.32 8.82 8.41 7.96
30 8.29 8.81 8.39 7.93
30.5 8.28 8.79 8.37 7.92
31 8.27 8.76 8.36 7.91
31.5 8.26 8.74 8.34 7.90
32 8.25 8.72 8.33 7.89
32.5 8.24 8.69 8.31 7.88
33 8.23 8.67 8.30 7.88
33.5 8.22 8.65 8.28 7.87
34 8.21 8.62 8.26 7.86
34.5 8.20 8.60 8.25 7.85
35 8.19 8.58 8.23 7.84
35.5 8.18 8.55 8.22 7.83
36 8.17 8.53 8.20 7.82
36.5 8.16 8.51 8.19 7.82
37 8.15 8.48 8.17 7.81
37.5 8.14 8.46 8.16 7.80
38 8.13 8.44 8.14 7.79
38.5 8.12 8.41 8.12 7.78
39 8.11 8.39 8.11 7.77
39.5 8.10 8.37 8.09 7.76
40 8.09 8.35 8.08 7.75
40.5 8.06 8.33 8.06 7.72
41 8.04 8.32 8.04 7.69
41.5 8.02 8.31 8.03 7.65
42 7.99 8.29 8.01 7.62
42.5 7.97 8.28 7.99 7.58
43 7.95 8.27 7.98 7.55
43.5 7.93 8.25 7.96 7.51
44 7.90 8.24 7.94 7.48
44.5 7.88 8.23 7.93 7.44
45 7.86 8.21 7.91 7.41
45.5 7.83 8.20 7.89 7.37
46 7.81 8.19 7.87 7.34
46.5 7.79 8.17 7.86 7.30
47 7.76 8.16 7.84 7.27
47.5 7.74 8.15 7.82 7.23
48 7.72 8.13 7.81 7.20
48.5 7.70 8.12 7.79 7.17
49 7.67 8.11 7.77 7.13
49.5 7.65 8.09 7.76 7.10
50 7.63 8.08 7.74 7.06
50.5 7.63 8.07 7.74 7.07
51 7.64 8.06 7.73 7.09
51.5 7.65 8.05 7.73 7.10
52 7.65 8.03 7.73 7.11
52.5 7.66 8.02 7.73 7.12
53 7.67 8.01 7.72 7.13
53.5 7.67 8.00 7.72 7.15
54 7.68 7.99 7.72 7.16
54.5 7.68 7.97 7.72 7.17
55 7.69 7.96 7.71 7.18
55.5 7.70 7.95 7.71 7.20
56 7.70 7.94 7.71 7.21
56.5 7.71 7.93 7.71 7.22
57 7.72 7.92 7.70 7.23
57.5 7.72 7.90 7.70 7.24
58 7.73 7.89 7.70 7.26
58.5 7.74 7.88 7.70 7.27
59 7.74 7.87 7.69 7.28
59.5 7.75 7.86 7.69 7.29
60 7.75 7.84 7.69 7.30
60.5 7.74 7.84 7.67 7.29
61 7.73 7.84 7.66 7.28
61.5 7.71 7.83 7.64 7.27
62 7.70 7.83 7.62 7.25
62.5 7.68 7.82 7.61 7.24
63 7.67 7.82 7.59 7.23
63.5 7.65 7.82 7.57 7.21
64 7.64 7.81 7.56 7.20
64.5 7.62 7.81 7.54 7.19
65 7.61 7.80 7.52 7.17
65.5 7.60 7.80 7.51 7.16
66 7.58 7.80 7.49 7.15
66.5 7.57 7.79 7.47 7.13
67 7.55 7.79 7.46 7.12
67.5 7.54 7.78 7.44 7.11
68 7.52 7.78 7.42 7.10
68.5 7.51 7.78 7.41 7.08
69 7.49 7.77 7.39 7.07
69.5 7.48 7.77 7.38 7.06
70 7.47 7.76 7.36 7.04
70.5 7.46 7.77 7.37 7.04
71 7.46 7.78 7.38 7.03
71.5 7.46 7.79 7.39 7.03
72 7.45 7.80 7.39 7.03
73 7.45 7.83 7.41 7.02
73.5 7.44 7.84 7.42 7.01
74 7.44 7.85 7.43 7.01
74.5 7.44 7.86 7.44 7.00
75 7.44 7.87 7.45 7.00
75.5 7.43 7.88 7.46 6.99
76 7.43 7.89 7.47 6.99
76.5 7.43 7.90 7.48 6.99
77 7.42 7.91 7.48 6.98
78 7.42 7.93 7.50 6.97
78.5 7.41 7.94 7.51 6.97
79 7.41 7.95 7.52 6.96
79.5 7.41 7.96 7.53 6.96
80 7.40 7.97 7.54 6.95
80.5 7.41 7.95 7.52 6.95
81 7.41 7.94 7.50 6.95
81.5 7.41 7.92 7.48 6.95
82 7.41 7.91 7.46 6.95
82.5 7.41 7.89 7.44 6.94
83 7.41 7.87 7.42 6.94
83.5 7.41 7.86 7.41 6.94
84 7.41 7.84 7.39 6.94
84.5 7.41 7.82 7.37 6.93
85 7.41 7.81 7.35 6.93
85.5 7.41 7.79 7.33 6.93
86 7.41 7.77 7.31 6.93
86.5 7.41 7.76 7.29 6.92
87 7.41 7.74 7.27 6.92
87.5 7.41 7.73 7.25 6.92
88 7.41 7.71 7.23 6.92
88.5 7.41 7.69 7.21 6.91
89 7.41 7.68 7.20 6.91
89.5 7.41 7.66 7.18 6.91
90 7.41 7.64 7.16 6.91
90.5 7.43 7.67 7.18 6.91
91 7.44 7.70 7.20 6.91
91.5 7.45 7.73 7.22 6.91
92 7.46 7.75 7.24 6.91
93 7.48 7.81 7.28 6.91
93.5 7.49 7.84 7.30 6.91
94 7.50 7.86 7.32 6.91
94.5 7.51 7.89 7.34 6.92
95 7.52 7.92 7.36 6.92
95.5 7.54 7.95 7.38 6.92
96 7.55 7.97 7.41 6.92
96.5 7.56 8.00 7.43 6.92
97 7.57 8.03 7.45 6.92
97.5 7.58 8.05 7.47 6.92
98 7.59 8.08 7.49 6.92
98.5 7.60 8.11 7.51 6.92
99 7.61 8.14 7.53 6.92
99.5 7.62 8.16 7.55 6.92
100 7.64 8.19 7.57 6.93

Figure O--5. TransRisk Score: Mortgage Interest Rate, by Demographic Group
Sex
Interest rate (percent)
Score Male Female
0   11.40
0.5   11.29
1 9.77 11.19
1.5 9.76 11.08
2 9.74 10.98
2.5 9.73 10.87
3 9.71 10.77
3.5 9.69 10.66
4 9.68 10.56
4.5 9.66 10.45
5 9.65 10.35
5.5 9.63 10.24
6 9.62 10.14
6.5 9.60 10.03
7 9.59 9.93
7.5 9.57 9.83
8 9.55 9.72
8.5 9.54 9.62
9 9.52 9.51
9.5 9.51 9.41
10 9.49 9.30
10.5 9.47 9.28
11 9.44 9.26
11.5 9.42 9.24
12 9.39 9.22
12.5 9.37 9.19
13 9.34 9.17
13.5 9.32 9.15
14 9.29 9.13
14.5 9.27 9.11
15 9.24 9.09
15.5 9.22 9.07
16 9.19 9.04
16.5 9.17 9.02
17 9.14 9.00
17.5 9.12 8.98
18 9.09 8.96
18.5 9.07 8.94
19 9.04 8.92
19.5 9.02 8.89
20 8.99 8.87
20.5 8.96 8.85
21 8.92 8.82
21.5 8.89 8.80
22 8.85 8.77
22.5 8.82 8.75
23 8.78 8.72
23.5 8.75 8.70
24 8.71 8.67
24.5 8.67 8.65
25 8.64 8.62
25.5 8.60 8.60
26 8.57 8.57
26.5 8.53 8.55
27 8.50 8.52
27.5 8.46 8.50
28 8.43 8.47
28.5 8.39 8.45
29 8.36 8.42
29.5 8.32 8.40
30 8.29 8.37
30.5 8.28 8.36
31 8.27 8.34
31.5 8.26 8.33
32 8.25 8.31
32.5 8.25 8.30
33 8.24 8.28
33.5 8.23 8.27
34 8.22 8.25
34.5 8.21 8.24
35 8.20 8.22
35.5 8.20 8.21
36 8.19 8.19
36.5 8.18 8.18
37 8.17 8.16
37.5 8.16 8.15
38 8.15 8.13
38.5 8.15 8.12
39 8.14 8.10
39.5 8.13 8.09
40 8.12 8.07
40.5 8.09 8.06
41 8.06 8.05
41.5 8.03 8.04
42 8.00 8.02
42.5 7.98 8.01
43 7.95 8.00
43.5 7.92 7.99
44 7.89 7.97
44.5 7.86 7.96
45 7.83 7.95
45.5 7.80 7.94
46 7.77 7.92
46.5 7.74 7.91
47 7.71 7.90
47.5 7.68 7.89
48 7.65 7.87
48.5 7.62 7.86
49 7.59 7.85
49.5 7.56 7.84
50 7.53 7.82
50.5 7.54 7.82
51 7.55 7.82
51.5 7.56 7.81
52 7.57 7.81
52.5 7.57 7.81
53 7.58 7.80
53.5 7.59 7.80
54 7.60 7.79
54.5 7.61 7.79
55 7.61 7.79
55.5 7.62 7.78
56 7.63 7.78
56.5 7.64 7.78
57 7.65 7.77
57.5 7.65 7.77
58 7.66 7.76
58.5 7.67 7.76
59 7.68 7.76
59.5 7.69 7.75
60 7.70 7.75
60.5 7.69 7.73
61 7.68 7.72
61.5 7.67 7.70
62 7.66 7.69
62.5 7.65 7.67
63 7.64 7.66
63.5 7.63 7.64
64 7.62 7.63
64.5 7.61 7.61
65 7.60 7.60
65.5 7.59 7.58
66 7.58 7.57
66.5 7.57 7.55
67 7.56 7.54
67.5 7.55 7.52
68 7.54 7.51
68.5 7.53 7.49
69 7.52 7.48
69.5 7.51 7.46
70 7.50 7.44
70.5 7.49 7.44
71 7.49 7.44
71.5 7.48 7.44
72 7.48 7.44
73 7.47 7.44
73.5 7.47 7.44
74 7.46 7.44
74.5 7.46 7.44
75 7.45 7.44
75.5 7.45 7.43
76 7.45 7.43
76.5 7.44 7.43
77 7.44 7.43
78 7.43 7.43
78.5 7.42 7.43
79 7.42 7.43
79.5 7.42 7.43
80 7.41 7.43
80.5 7.41 7.42
81 7.41 7.42
81.5 7.41 7.41
82 7.41 7.41
82.5 7.40 7.40
83 7.40 7.40
83.5 7.40 7.39
84 7.40 7.39
84.5 7.40 7.38
85 7.40 7.38
85.5 7.39 7.37
86 7.39 7.37
86.5 7.39 7.36
87 7.39 7.36
87.5 7.39 7.35
88 7.39 7.35
88.5 7.38 7.34
89 7.38 7.34
89.5 7.38 7.33
90 7.38 7.33
90.5 7.39 7.34
91 7.41 7.35
91.5 7.42 7.36
92 7.44 7.37
93 7.47 7.39
93.5 7.49 7.40
94 7.50 7.41
94.5 7.52 7.42
95 7.53 7.43
95.5 7.55 7.44
96 7.56 7.46
96.5 7.58 7.47
97 7.59 7.48
97.5 7.61 7.49
98 7.62 7.50
98.5 7.64 7.51
99 7.66 7.52
99.5 7.67 7.53
100   7.54

Figure O--5. TransRisk Score: Mortgage Interest Rate, by Demographic Group
Age (years)
Interest rate (percent)
Score Younger
than 30
30-39 40-49 50-61 62 or
older
0     9.56    
0.5   10.39      
1     9.58 11.97  
1.5     9.59 11.81  
2 9.87 10.23   11.65  
2.5   10.18 9.62 11.49  
3   10.12 9.63 11.33  
3.5 9.66 10.07   11.17  
4 9.59 10.02 9.65 11.01  
4.5   9.96   10.85  
5 9.45 9.91 9.67 10.68  
5.5 9.38 9.86 9.68 10.52  
6 9.31 9.80 9.69 10.36  
6.5   9.75 9.70 10.20  
7 9.17 9.70 9.71 10.04 10.09
7.5 9.10 9.64   9.88  
8 9.03 9.59 9.73    
8.5 8.96 9.54 9.74 9.56  
9 8.89 9.48 9.75 9.40 9.98
9.5 8.82 9.43 9.76 9.23  
10 8.75 9.38 9.77 9.07 9.92
10.5 8.74 9.35 9.73 9.09 9.85
11 8.74 9.32 9.69 9.10 9.79
11.5 8.74 9.29 9.65 9.11  
12 8.74 9.26 9.61 9.12 9.65
12.5 8.74 9.23 9.57 9.13 9.58
13 8.74 9.20 9.53 9.15 9.52
13.5 8.73 9.17 9.49 9.16 9.45
14 8.73 9.14 9.44 9.17 9.38
14.5 8.73 9.12 9.40 9.18 9.32
15 8.73 9.09 9.36 9.20  
15.5 8.73 9.06 9.32 9.21 9.18
16 8.72 9.03 9.28 9.22 9.12
16.5 8.72 9.00 9.24 9.23 9.05
17 8.72 8.97 9.20 9.25 8.98
17.5 8.72 8.94 9.16 9.26 8.91
18 8.72 8.91 9.12 9.27 8.85
18.5 8.72 8.88 9.07 9.28 8.78
19 8.71 8.85 9.03 9.29 8.71
19.5 8.71 8.83 8.99 9.31  
20 8.71 8.80 8.95 9.32 8.58
20.5 8.70 8.77 8.92 9.26 8.55
21 8.70 8.75 8.90 9.19 8.52
21.5 8.69 8.73 8.87 9.13 8.49
22 8.68 8.71 8.84 9.07 8.46
22.5 8.68 8.69 8.82 9.00 8.43
23 8.67 8.67 8.79 8.94 8.40
23.5 8.66 8.65 8.76 8.88 8.37
24 8.66 8.62 8.74 8.81 8.34
24.5 8.65 8.60 8.71 8.75 8.31
25 8.64 8.58 8.68 8.69 8.28
25.5 8.64 8.56 8.66 8.62 8.25
26 8.63 8.54 8.63 8.56 8.22
26.5 8.62 8.52 8.60 8.50 8.19
27 8.62 8.49 8.58 8.43 8.16
27.5 8.61 8.47 8.55 8.37 8.13
28 8.60 8.45 8.52 8.31 8.10
28.5 8.60 8.43 8.50 8.25 8.07
29 8.59 8.41 8.47 8.18 8.04
29.5 8.58 8.39 8.44 8.12 8.01
30 8.58 8.37 8.42 8.06 7.98
30.5 8.55 8.35 8.41 8.06 7.97
31 8.53 8.33 8.40 8.06 7.96
31.5 8.51 8.31 8.38 8.07 7.95
32 8.49 8.29 8.37 8.07 7.95
32.5 8.47 8.27 8.36 8.08 7.94
33 8.45 8.25 8.35 8.08 7.93
33.5 8.43 8.24 8.34 8.09 7.92
34 8.41 8.22 8.33 8.09 7.91
34.5 8.39 8.20 8.32 8.09 7.90
35 8.37 8.18 8.31 8.10 7.90
35.5 8.35 8.16 8.29 8.10 7.89
36 8.33 8.14 8.28 8.11 7.88
36.5 8.31 8.13 8.27 8.11 7.87
37 8.29 8.11 8.26 8.11 7.86
37.5 8.27 8.09 8.25 8.12 7.85
38 8.25 8.07 8.24 8.12 7.85
38.5 8.23 8.05 8.23 8.13 7.84
39 8.21 8.03 8.21 8.13 7.83
39.5 8.18 8.01 8.20 8.13 7.82
40 8.16 8.00 8.19 8.14 7.81
40.5 8.15 7.98 8.16 8.11 7.79
41 8.13 7.97 8.14 8.09 7.77
41.5 8.12 7.96 8.11 8.06 7.75
42 8.11 7.95 8.08 8.03 7.73
42.5 8.09 7.94 8.05 8.01 7.70
43 8.08 7.92 8.03 7.98 7.68
43.5 8.06 7.91 8.00 7.96 7.66
44 8.05 7.90 7.97 7.93 7.64
44.5 8.03 7.89 7.94 7.90 7.62
45 8.02 7.88 7.92 7.88 7.59
45.5 8.00 7.86 7.89 7.85 7.57
46 7.99 7.85 7.86 7.82 7.55
46.5 7.97 7.84 7.83 7.80 7.53
47 7.96 7.83 7.80 7.77 7.51
47.5 7.94 7.82 7.78 7.75 7.49
48 7.93 7.80 7.75 7.72 7.46
48.5 7.91 7.79 7.72 7.69 7.44
49 7.90 7.78 7.69 7.67 7.42
49.5 7.88 7.77 7.67 7.64 7.40
50 7.87 7.76 7.64 7.61 7.38
50.5 7.86 7.76 7.64 7.61 7.37
51 7.86 7.77 7.64 7.61 7.37
51.5 7.85 7.77 7.65 7.61 7.37
52 7.85 7.78 7.65 7.61 7.37
52.5 7.84 7.79 7.65 7.61 7.37
53 7.84 7.79 7.66 7.61 7.37
53.5 7.83 7.80 7.66 7.61 7.37
54 7.83 7.81 7.66 7.61 7.37
54.5 7.82 7.81 7.67 7.61 7.37
55 7.82 7.82 7.67 7.61 7.37
55.5 7.81 7.82 7.67 7.61 7.36
56 7.81 7.83 7.67 7.60 7.36
56.5 7.80 7.84 7.68 7.60 7.36
57 7.80 7.84 7.68 7.60 7.36
57.5 7.79 7.85 7.68 7.60 7.36
58 7.79 7.86 7.69 7.60 7.36
58.5 7.78 7.86 7.69 7.60 7.36
59 7.78 7.87 7.69 7.60 7.36
59.5 7.77 7.87 7.70 7.60 7.36
60 7.77 7.88 7.70 7.60 7.36
60.5 7.75 7.85 7.69 7.59 7.37
61 7.74 7.83 7.69 7.59 7.38
61.5 7.73 7.80 7.68 7.58 7.39
62 7.71 7.77 7.67 7.57 7.40
62.5 7.70 7.75 7.67 7.57 7.41
63 7.69 7.72 7.66 7.56 7.42
63.5 7.67 7.70 7.65 7.55 7.43
64 7.66 7.67 7.65 7.54 7.44
64.5 7.65 7.64 7.64 7.54 7.45
65 7.63 7.62 7.63 7.53 7.46
65.5 7.62 7.59 7.63 7.52 7.47
66 7.61 7.57 7.62 7.52 7.48
66.5 7.59 7.54 7.61 7.51 7.49
67 7.58 7.51 7.61 7.50 7.50
67.5 7.57 7.49 7.60 7.50 7.51
68 7.55 7.46 7.59 7.49 7.52
68.5 7.54 7.43 7.59 7.48 7.53
69 7.53 7.41 7.58 7.48 7.54
69.5 7.51 7.38 7.57 7.47 7.55
70 7.50 7.36 7.57 7.46 7.56
70.5 7.50 7.37 7.56 7.46 7.54
71 7.50 7.38 7.55 7.45 7.52
71.5 7.50 7.39 7.55 7.45  
72 7.50 7.40 7.54 7.44 7.48
73 7.50 7.41 7.53 7.43 7.45
73.5 7.50 7.42 7.52 7.42 7.43
74 7.50 7.43 7.51 7.42 7.41
74.5 7.50 7.44 7.51 7.41 7.39
75 7.50 7.45 7.50 7.40 7.38
75.5 7.50 7.46 7.49 7.40 7.36
76 7.50 7.47 7.49 7.39 7.34
76.5   7.48 7.48 7.39 7.32
77 7.50 7.49 7.47 7.38 7.30
78 7.50 7.51 7.46 7.37 7.27
78.5 7.50 7.52 7.45 7.36 7.25
79 7.50 7.53 7.45 7.36 7.23
79.5 7.50 7.54 7.44 7.35 7.21
80 7.50 7.55 7.43 7.34 7.19
80.5 7.49 7.54 7.43 7.34 7.20
81 7.47 7.53 7.43 7.33 7.21
81.5 7.45 7.53 7.44 7.33 7.22
82 7.43 7.52 7.44 7.32 7.22
82.5   7.51 7.44 7.32 7.23
83 7.40 7.50 7.44 7.31 7.24
83.5 7.38 7.49 7.44 7.31 7.25
84 7.36 7.48 7.44 7.30 7.25
84.5 7.34 7.47 7.44 7.30 7.26
85 7.32 7.46 7.44 7.29 7.27
85.5 7.30 7.45 7.44 7.29 7.27
86 7.29 7.44 7.44 7.28 7.28
86.5 7.27 7.43 7.44 7.28 7.29
87 7.25 7.43 7.44 7.27 7.30
87.5   7.42 7.44 7.27 7.30
88 7.21 7.41 7.45 7.26 7.31
88.5 7.20 7.40 7.45 7.26 7.32
89 7.18 7.39 7.45 7.25 7.33
89.5 7.16 7.38 7.45 7.25 7.33
90 7.14 7.37 7.45 7.24 7.34
90.5   7.39 7.50 7.23 7.33
91   7.42 7.54 7.22 7.32
91.5   7.44 7.59 7.21 7.32
92   7.46 7.64 7.21 7.31
93 7.19 7.51 7.73 7.19 7.29
93.5   7.53 7.78 7.18 7.28
94   7.55 7.83 7.17 7.27
94.5   7.57 7.88 7.16 7.26
95   7.60 7.92 7.15 7.25
95.5   7.62 7.97 7.14 7.24
96 7.23 7.64 8.02 7.13 7.23
96.5 7.24 7.66 8.07 7.12 7.22
97   7.69 8.12 7.12 7.21
97.5   7.71 8.16 7.11 7.21
98   7.73 8.21 7.10 7.20
98.5   7.75 8.26 7.09 7.19
99   7.78 8.31 7.08 7.18
99.5   7.80 8.35 7.07  
100         7.16

Figure O--5. TransRisk Score: Mortgage Interest Rate, by Demographic Group
Marital status
Interest rate (percent)
Score Married
male
Single
male
Married
female
Single
female
0       11.87
0.5     11.19  
1 10.36 9.22 11.09 11.63
1.5   9.23   11.51
2 10.27 9.25 10.90 11.39
2.5   9.26 10.80 11.27
3 10.17   10.71 11.14
3.5 10.13   10.61 11.02
4 10.08 9.29 10.51 10.90
4.5       10.78
5 9.99 9.32 10.32 10.66
5.5 9.94 9.33 10.22 10.54
6 9.89 9.34 10.13 10.42
6.5 9.85   10.03  
7 9.80 9.37 9.93 10.18
7.5 9.75 9.38   10.06
8 9.71 9.39 9.74 9.94
8.5 9.66 9.40 9.64 9.81
9 9.61 9.42   9.69
9.5 9.56 9.43 9.45 9.57
10 9.52 9.44 9.35 9.45
10.5 9.50 9.42 9.33 9.43
11 9.48 9.40 9.31 9.40
11.5 9.47 9.38 9.28 9.38
12 9.45 9.35 9.26 9.36
12.5 9.43 9.33 9.23 9.33
13 9.41 9.31 9.21 9.31
13.5 9.40 9.29 9.19 9.28
14 9.38 9.27 9.16 9.26
14.5 9.36 9.25 9.14 9.23
15 9.34 9.23 9.11 9.21
15.5 9.33 9.20 9.09 9.19
16 9.31 9.18 9.07 9.16
16.5 9.29 9.16 9.04 9.14
17 9.28 9.14 9.02 9.11
17.5 9.26 9.12 8.99 9.09
18 9.24 9.10 8.97 9.07
18.5 9.22 9.07 8.95 9.04
19 9.21 9.05 8.92 9.02
19.5 9.19 9.03 8.90 8.99
20 9.17 9.01 8.87 8.97
20.5 9.12 8.98 8.86 8.92
21 9.07 8.96 8.84 8.88
21.5 9.02 8.93 8.82 8.84
22 8.97 8.90 8.80 8.79
22.5 8.92 8.87 8.78 8.75
23 8.87 8.85 8.77 8.71
23.5 8.82 8.82 8.75 8.66
24 8.77 8.79 8.73 8.62
24.5 8.71 8.76 8.71 8.58
25 8.66 8.74 8.69 8.53
25.5 8.61 8.71 8.68 8.49
26 8.56 8.68 8.66 8.45
26.5 8.51 8.65 8.64 8.40
27 8.46 8.63 8.62 8.36
27.5 8.41 8.60 8.60 8.32
28 8.36 8.57 8.59 8.27
28.5 8.31 8.55 8.57 8.23
29 8.26 8.52 8.55 8.19
29.5 8.21 8.49 8.53 8.14
30 8.16 8.46 8.51 8.10
30.5 8.16 8.43 8.49 8.10
31 8.17 8.39 8.47 8.09
31.5 8.17 8.35 8.45 8.09
32 8.17 8.31 8.43 8.09
32.5 8.18 8.28 8.41 8.09
33 8.18 8.24 8.39 8.08
33.5 8.19 8.20 8.36 8.08
34 8.19 8.17 8.34 8.08
34.5 8.20 8.13 8.32 8.07
35 8.20 8.09 8.30 8.07
35.5 8.21 8.05 8.28 8.07
36 8.21 8.02 8.26 8.07
36.5 8.21 7.98 8.24 8.06
37 8.22 7.94 8.22 8.06
37.5 8.22 7.91 8.19 8.06
38 8.23 7.87 8.17 8.06
38.5 8.23 7.83 8.15 8.05
39 8.24 7.79 8.13 8.05
39.5 8.24 7.76 8.11 8.05
40 8.25 7.72 8.09 8.05
40.5 8.21 7.71 8.08 8.03
41 8.18 7.70 8.07 8.02
41.5 8.15 7.69 8.06 8.01
42 8.11 7.69 8.05 8.00
42.5 8.08 7.68 8.04 7.98
43 8.05 7.67 8.03 7.97
43.5 8.01 7.66 8.02 7.96
44 7.98 7.65 8.02 7.95
44.5 7.95 7.64 8.01 7.94
45 7.91 7.63 8.00 7.92
45.5 7.88 7.63 7.99 7.91
46 7.85 7.62 7.98 7.90
46.5 7.81 7.61 7.97 7.89
47 7.78 7.60 7.96 7.87
47.5 7.75 7.59 7.95 7.86
48 7.71 7.58 7.94 7.85
48.5 7.68 7.58 7.93 7.84
49 7.65 7.57 7.92 7.83
49.5 7.61 7.56 7.91 7.81
50 7.58 7.55 7.91 7.80
50.5 7.59 7.55 7.90 7.80
51 7.60 7.54 7.89 7.80
51.5 7.61 7.54 7.88 7.80
52 7.62 7.53 7.87 7.80
52.5 7.64 7.53 7.86 7.80
53 7.65 7.53 7.85 7.80
53.5 7.66 7.52 7.84 7.80
54 7.67 7.52 7.83 7.80
54.5 7.68 7.51 7.82 7.81
55 7.69 7.51 7.81 7.81
55.5 7.70 7.51 7.80 7.81
56 7.71 7.50 7.79 7.81
56.5 7.73 7.50 7.78 7.81
57 7.74 7.50 7.77 7.81
57.5 7.75 7.49 7.76 7.81
58 7.76 7.49 7.75 7.81
58.5 7.77 7.48 7.74 7.81
59 7.78 7.48 7.73 7.81
59.5 7.79 7.48 7.72 7.81
60 7.81 7.47 7.71 7.81
60.5 7.79 7.48 7.70 7.79
61 7.77 7.48 7.68 7.78
61.5 7.76 7.49 7.67 7.76
62 7.74 7.50