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

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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 Findings on Loan Performance and Credit Availability and Affordability

Table 14. Credit-Score Statistics, and Distribution of Sample Population by Score Decile, by Selected Characteristics of Sample Population  A. TransRisk Score

Characteristic	Memo Sample (number)	Score statistics			Sample population, grouped by characteristic and distributed by score decile (percent)
		Mean	Median	Standard deviation	1st	2nd	3rd	4th	5th	6th	7th	8th	9th	10th	Total
Race or ethnicity--SSA data
Non-Hispanic white	148,568	54.0	55.0	28.7	7.8	8.5	8.7	9.9	10.1	10.0	9.7	10.6	12.7	12.0	100
Black	21,368	25.6	19.8	22.8	30.1	22.5	15.6	10.1	7.2	4.6	3.2	2.7	2.4	1.7	100
Hispanic	16,950	38.2	33.8	26.0	15.1	15.0	14.9	13.3	10.8	9.5	6.8	5.6	5.0	4.0	100
Asian	8,820	54.8	55.6	26.2	5.7	6.6	7.3	10.6	12.0	14.0	12.4	11.1	10.6	9.8	100
American Indian	409	57.6	60.6	28.8	5.6	8.5	7.7	9.2	9.7	9.1	8.6	11.8	14.7	15.1	100
Unknown race	36,352	52.7	56.0	26.1	6.6	7.6	9.5	8.9	10.7	11.8	16.6	13.2	7.5	7.6	100
Race or ethnicity--location-based distribution
Non-Hispanic white	174,087	52.7	53.8	28.6	8.5	8.9	9.0	9.7	10.1	10.2	10.6	10.7	11.5	10.8	100
Black	23,946	37.6	31.2	28.1	19.3	16.2	13.3	10.4	9.0	7.6	7.0	6.5	5.6	5.1	100
Hispanic	23,632	43.1	39.8	27.9	13.4	12.6	12.7	11.7	10.5	9.6	8.8	7.7	6.9	6.2	100
Asian	9,016	52.1	53.0	28.1	8.3	8.7	8.9	10.4	10.7	11.2	11.1	10.4	10.3	10.2	100
American Indian	1,373	44.0	40.4	28.8	13.3	13.7	11.7	11.1	9.7	8.8	8.4	8.0	8.1	7.3	100
National origin
Foreign-born	25,597	48.8	47.8	26.9	8.3	9.2	10.4	12.6	12.4	12.2	10.3	8.8	8.2	7.8	100
Recent immigrant	4,261	45.5	46.8	21.9	7.6	7.3	10.1	14.6	15.1	18.5	13.4	8.4	3.6	1.4	100
Sex
Male	102,061	48.8	47.4	28.9	10.6	10.7	10.3	10.8	10.2	9.8	8.8	9.2	10.4	9.1	100
Female	105,347	50.4	50.0	29.8	10.8	10.2	9.5	9.8	9.8	9.3	8.9	9.5	11.2	11.1	100
Unknown	25,059	53.8	57.8	24.6	5.1	6.8	9.3	8.2	10.7	12.8	19.9	14.9	6.2	6.4	100
Marital status
Married male	54,506	55.7	57.6	28.1	6.5	7.8	8.0	9.8	10.3	10.4	10.0	11.3	13.9	12.0	100
Single male	29,048	43.4	39.8	28.4	14.1	12.7	11.8	11.7	10.4	9.5	7.7	7.7	7.6	6.9	100
Married female	55,126	57.5	60.6	28.6	6.5	7.3	7.4	9.1	9.7	9.6	10.0	11.3	14.5	14.5	100
Single female	32,788	44.8	41.6	29.6	14.6	12.4	11.0	10.7	9.9	8.6	7.7	8.0	8.7	8.5	100
Unknown	60,999	44.4	43.8	27.2	12.4	12.1	12.0	10.1	10.1	10.6	12.5	9.7	5.6	5.1	100
Age--SSA data (years)
Younger than 30	33,011	34.3	33.0	21.6	16.9	14.8	14.6	13.9	12.5	13.6	8.7	3.9	1.1	.2	100
30 to 39	40,485	39.8	36.2	27.0	16.9	13.9	12.1	11.4	9.5	9.7	9.1	7.7	6.9	2.8	100
40 to 49	46,407	46.9	45.0	28.8	11.7	11.8	10.6	10.8	10.2	9.4	8.9	8.9	10.6	7.1	100
50 to 61	43,474	54.5	55.4	28.9	7.3	8.8	8.6	9.9	10.7	9.2	9.0	10.4	14.3	11.9	100
62 or older	44,075	68.1	76.8	26.5	2.9	4.3	4.9	6.5	7.6	6.8	8.6	14.4	18.5	25.6	100
Unknown	25,015	53.8	57.8	24.6	5.1	6.8	9.3	8.2	10.7	12.8	19.9	14.9	6.1	6.4	100
Census tract characteristics
Income ratio
Low	7,631	32.5	25.4	25.5	22.8	18.2	15.0	10.6	8.4	7.6	6.3	5.4	2.9	2.8	100
Moderate	41,902	40.7	36.0	28.2	16.1	14.2	13.0	11.0	9.6	8.6	8.1	7.2	6.3	6.0	100
Middle	119,984	50.4	50.2	28.8	9.7	10.0	9.9	10.1	10.1	9.9	10.1	10.1	10.5	9.7	100
High	62,426	57.9	60.6	27.2	5.4	6.5	6.9	9.2	10.5	11.0	11.8	12.2	13.7	13.0	100
Unknown	413	46.4	45.0	25.0	6.5	10.2	12.8	13.6	14.5	10.4	12.4	8.0	7.8	3.9	100
Minority population (percent)
Less than 10	95,462	55.7	58.2	28.1	6.8	7.7	8.1	9.1	10.0	10.5	11.1	11.7	12.9	12.2	100
10-49	95,692	49.6	49.2	28.7	10.2	10.1	9.9	10.4	10.3	9.9	10.2	9.8	10.0	9.2	100
50-79	22,642	40.6	36.2	28.1	16.2	14.1	12.6	11.6	10.0	8.8	7.8	7.0	6.0	5.9	100
80 or more	18,258	34.6	28.4	26.1	20.2	17.2	14.9	11.2	9.3	8.0	6.6	5.3	3.8	3.4	100
Urban	193,939	50.2	50.2	28.9	10.1	10.0	9.7	10.2	10.1	10.0	10.1	10.0	10.3	9.8	100
Rural	38,132	49.4	49.2	29.0	10.4	10.6	10.5	9.5	10.0	9.5	9.9	9.9	10.5	9.2	100
All	232,467	50.1	50.0	28.9	10.1	10.1	9.8	10.1	10.1	9.9	10.0	10.0	10.3	9.7	100

Note. Scores are normalized to a scale of 0-100. Also, refer to notes to table 9.

 

Table 14. Credit-Score Statistics, and Distribution of Sample Population by Score Decile, by Selected Characteristics of Sample Population  B. VantageScore

Characteristic	Memo Sample (number)	Score statistics			Sample population, grouped by characteristic and distributed by score decile (percent)
		Mean	Median	Standard deviation	1st	2nd	3rd	4th	5th	6th	7th	8th	9th	10th	Total
Race or ethnicity--SSA data
Non-Hispanic white	148,568	54.5	56.6	28.7	7.5	8.3	9.0	9.6	9.3	9.4	10.3	11.7	12.5	12.2	100
Black	21,368	26.0	19.0	23.3	30.2	21.9	15.1	10.1	6.9	5.0	3.8	2.9	2.1	2.0	100
Hispanic	16,950	38.6	34.0	26.2	14.9	14.9	15.1	12.4	10.9	9.1	7.4	6.3	4.7	4.2	100
Asian	8,820	55.7	56.4	26.7	4.9	6.7	8.4	10.5	11.8	12.0	11.5	11.8	10.5	11.9	100
American Indian	409	58.2	63.0	27.7	5.7	6.2	9.0	8.2	8.9	9.5	10.4	13.9	15.2	13.1	100
Unknown race	36,352	49.3	50.8	25.4	8.1	8.3	8.4	10.6	13.4	15.4	14.4	8.5	6.9	6.0	100
Race or ethnicity--location-based distribution
Non-Hispanic white	174,087	52.6	54.0	28.5	8.4	8.8	9.2	9.8	9.9	10.2	10.8	10.9	11.2	10.8	100
Black	23,946	37.3	31.6	27.9	19.8	15.9	12.8	10.5	9.1	8.4	7.2	6.2	5.4	4.8	100
Hispanic	23,632	42.8	39.8	27.8	13.5	12.9	12.5	11.4	10.8	9.9	8.6	7.6	6.6	6.2	100
Asian	9,016	52.4	53.0	28.5	8.3	8.6	9.2	10.1	10.8	11.0	10.7	9.9	9.5	12.0	100
American Indian	1,373	43.4	39.8	28.4	13.6	13.8	12.0	11.0	9.4	9.3	8.5	8.2	7.9	6.3	100
National origin
Foreign-born	25,597	49.5	48.4	27.2	7.7	9.3	11.3	11.6	11.9	11.3	10.2	10.0	8.0	8.7	100
Recent immigrant	4,261	43.9	44.4	22.5	7.7	9.2	12.3	14.0	16.0	16.2	11.4	8.2	3.1	2.0	100
Sex
Male	102,061	49.8	49.0	29.4	10.5	10.5	10.4	10.1	9.5	9.2	9.4	10.0	10.0	10.6	100
Female	105,347	50.6	50.6	29.4	10.3	10.1	10.0	9.8	9.2	8.9	9.5	10.6	11.2	10.3	100
Unknown	25,059	48.4	50.8	23.5	7.8	7.5	7.5	10.8	15.2	18.2	16.4	7.7	5.5	3.5	100
Marital status
Married male	54,506	57.6	60.8	28.3	5.8	7.3	8.2	8.9	9.5	9.8	10.5	11.9	13.2	15.0	100
Single male	29,048	43.8	40.2	28.5	13.7	12.7	12.2	11.3	9.5	8.8	8.6	9.0	7.5	6.7	100
Married female	55,126	58.1	62.2	28.0	5.6	6.9	8.2	8.8	9.2	9.4	10.7	12.7	14.3	14.3	100
Single female	32,788	44.8	41.4	29.1	13.7	12.8	11.6	10.7	9.1	8.2	8.6	9.0	9.2	7.1	100
Unknown	60,999	41.6	41.0	26.2	14.5	12.5	11.0	11.2	11.8	12.3	11.1	6.9	5.1	3.7	100
Age--SSA data (years)
Younger than 30	33,011	31.1	28.8	21.1	19.6	16.9	15.6	15.5	11.8	9.5	6.8	3.1	1.0	.2	100
30 to 39	40,485	40.5	36.8	27.4	15.7	14.1	12.7	11.0	10.0	9.3	8.8	8.1	5.8	4.5	100
40 to 49	46,407	49.0	47.8	29.4	10.8	11.0	10.9	10.0	9.6	9.1	9.4	9.6	9.1	10.7	100
50 to 61	43,474	57.1	60.0	29.0	6.3	7.8	8.6	9.2	9.2	9.1	9.9	11.5	12.2	16.3	100
62 or older	44,075	67.7	75.0	24.4	2.4	3.6	4.8	5.4	6.7	8.3	11.6	17.3	22.3	17.7	100
Unknown	25,015	48.4	50.8	23.5	7.8	7.5	7.5	10.8	15.2	18.2	16.4	7.7	5.5	3.5	100
Census tract characteristics
Income ratio
Low	7,631	30.7	24.4	25.0	25.7	18.5	13.0	10.4	9.8	7.6	5.8	4.5	2.7	2.1	100
Moderate	41,902	39.9	35.6	27.6	16.6	14.3	12.8	11.0	10.0	9.3	7.9	7.2	6.2	4.7	100
Middle	119,984	50.0	50.0	28.3	9.5	10.0	10.1	10.4	10.1	10.1	10.5	10.3	10.5	8.6	100
High	62,426	59.2	62.6	27.7	5.2	6.1	7.3	8.6	9.6	10.7	11.7	12.0	12.7	16.2	100
Unknown	413	43.1	40.6	23.2	7.3	10.7	12.4	18.4	17.2	10.4	8.5	8.0	4.6	2.7	100
Minority population (percent)
Less than 10	95,462	55.6	58.4	27.9	6.7	7.6	8.2	9.3	9.8	10.3	11.5	12.1	12.9	11.7	100
10-49	95,692	49.8	49.6	28.8	10.0	10.0	10.2	10.3	10.1	10.2	10.1	9.7	9.4	10.0	100
50-79	22,642	40.4	36.5	27.9	16.1	14.2	12.8	10.9	10.3	9.1	8.1	6.9	6.0	5.6	100
80 or more	18,258	33.8	28.4	25.7	21.3	17.1	13.9	11.3	9.9	8.8	6.2	5.0	3.5	3.0	100
Urban	193,939	50.3	50.4	29.0	10.1	9.8	9.8	9.9	10.0	10.0	10.1	9.9	10.0	10.3	100
Rural	38,132	48.4	48.0	28.1	10.2	11.1	10.4	10.4	9.9	9.9	10.6	10.4	10.5	6.9	100
All	232,467	50.0	50.0	28.9	10.1	10.0	9.9	10.0	10.0	10.0	10.2	10.0	10.0	9.7	100

Note. Scores are normalized to a scale of 0-100. Also, refer to notes to table 9.

 

Table 14. Credit-Score Statistics, and Distribution of Sample Population by Score Decile, by Selected Characteristics of Sample Population  C. FRB base score

Characteristic	Memo Sample (number)	Score statistics			Sample population, grouped by characteristic and distributed by score decile (percent)
		Mean	Median	Standard deviation	1st	2nd	3rd	4th	5th	6th	7th	8th	9th	10th	Total
Race or ethnicity--SSA data
Non-Hispanic white	148,568	54.0	56.0	28.3	7.6	8.4	9.0	9.5	9.6	10.1	10.3	12.3	12.2	11.1	100
Black	21,368	25.8	18.6	22.9	30.3	22.6	15.2	9.9	6.9	4.9	3.4	2.7	2.2	2.0	100
Hispanic	16,950	38.3	34.0	26.3	15.5	14.7	14.7	13.2	10.9	9.4	6.9	5.4	4.6	4.7	100
Asian	8,820	54.8	55.2	25.9	5.1	6.1	8.1	10.5	12.4	15.2	13.0	10.0	8.3	11.3	100
American Indian	409	57.3	63.0	27.8	5.5	6.3	10.7	8.8	8.2	8.1	10.2	15.2	15.4	11.6	100
Unknown race	36,352	52.2	52.4	27.2	7.2	8.1	9.0	10.5	12.6	13.7	11.4	8.1	8.2	11.3	100
Race or ethnicity--location-based distribution
Non-Hispanic white	174,087	52.6	54.0	28.4	8.4	8.8	9.3	9.6	9.9	10.6	10.3	11.3	11.0	10.7	100
Black	23,946	37.5	31.2	28.0	19.4	16.4	13.1	10.4	9.1	8.1	6.5	6.0	5.8	5.1	100
Hispanic	23,632	43.1	39.8	28.0	13.7	12.6	12.2	11.9	10.9	10.0	8.1	6.9	6.8	6.9	100
Asian	9,016	52.5	53.0	28.5	8.3	8.3	9.2	10.4	10.8	11.8	10.1	9.3	9.3	12.7	100
American Indian	1,373	44.0	40.6	28.7	13.5	13.3	12.2	10.7	9.8	8.6	8.3	8.5	8.0	7.1	100
National origin
Foreign-born	25,597	48.7	48.0	26.6	8.2	8.9	10.6	12.5	12.8	13.1	10.2	8.3	7.1	8.4	100
Recent immigrant	4,261	44.3	46.2	20.9	8.0	7.0	9.1	14.8	18.7	21.5	12.4	4.4	2.0	2.1	100
Sex
Male	102,061	49.1	48.4	28.9	10.5	10.8	10.4	10.2	9.8	9.9	9.4	9.8	9.8	9.6	100
Female	105,347	50.2	50.6	29.2	10.7	9.9	9.9	9.7	9.4	9.6	9.3	11.3	10.7	9.6	100
Unknown	25,059	53.0	53.4	26.4	6.2	7.3	8.4	10.5	13.6	15.2	12.5	7.2	7.6	11.6	100
Marital status
Married male	54,506	56.3	59.0	28.1	6.2	7.6	8.7	9.1	9.4	10.1	10.6	12.1	13.1	13.1	100
Single male	29,048	43.5	40.6	28.0	13.5	12.9	11.9	11.3	10.1	9.8	8.8	8.1	7.2	6.3	100
Married female	55,126	57.6	61.8	28.1	6.0	7.0	8.3	8.9	8.8	9.7	10.2	13.7	13.9	13.6	100
Single female	32,788	44.4	42.4	28.5	14.1	12.2	11.2	10.3	9.9	9.4	8.7	9.7	8.5	5.9	100
Unknown	60,999	43.6	41.8	27.7	13.6	12.3	11.1	11.0	11.6	11.8	9.3	6.5	5.7	7.2	100
Age--SSA data (years)
Younger than 30	33,011	33.2	34.0	21.0	18.6	14.5	12.4	14.3	15.6	14.8	6.9	1.8	.6	.6	100
30 to 39	40,485	40.8	36.8	28.0	16.1	14.4	12.5	10.4	9.3	9.5	9.7	7.1	4.6	6.4	100
40 to 49	46,407	48.2	46.2	29.6	11.2	11.7	11.3	10.1	9.2	8.9	9.0	9.2	8.0	11.5	100
50 to 61	43,474	55.4	57.6	28.9	6.9	8.3	9.6	9.7	8.8	8.9	9.9	11.8	11.7	14.4	100
62 or older	44,075	66.0	74.4	24.4	2.6	4.0	5.8	6.2	6.4	7.9	10.6	20.5	23.7	12.5	100
Unknown	25,015	52.9	53.4	26.4	6.2	7.3	8.4	10.5	13.6	15.2	12.5	7.2	7.6	11.7	100
Census tract characteristics
Income ratio
Low	7,631	31.5	25.0	25.1	24.7	18.2	13.6	10.7	9.3	8.4	5.2	4.2	3.2	2.5	100
Moderate	41,902	40.4	36.4	27.8	16.3	14.3	12.7	11.0	10.2	9.2	7.4	7.1	7.0	5.0	100
Middle	119,984	50.1	50.6	28.4	9.6	10.0	10.0	10.1	10.0	10.4	10.0	10.9	10.5	8.7	100
High	62,426	58.6	61.2	27.6	5.3	6.0	7.7	9.1	9.9	11.2	11.1	11.7	12.0	16.1	100
Unknown	413	45.6	44.4	24.2	6.3	9.7	12.4	14.8	17.4	11.6	9.2	9.0	4.8	4.8	100
Minority population (percent)
Less than 10	95,462	55.5	58.4	27.7	6.6	7.7	8.4	9.0	9.7	10.8	11.0	13.1	12.5	11.2	100
10-49	95,692	49.8	49.4	28.8	10.1	9.9	10.2	10.3	10.2	10.5	9.6	9.3	9.5	10.4	100
50-79	22,642	40.6	36.2	28.2	16.3	14.0	12.7	11.4	10.2	9.2	7.5	6.2	6.3	6.3	100
80 or more	18,258	34.2	28.2	26.0	20.8	17.4	14.1	11.7	10.0	8.2	5.7	4.5	3.9	3.8	100
Urban	193,939	50.2	50.4	28.9	10.1	9.8	9.9	10.0	10.0	10.4	9.7	9.9	9.9	10.3	100
Rural	38,132	48.9	48.8	28.4	10.4	10.8	10.4	9.6	9.8	9.7	9.8	11.8	10.4	7.2	100
All	232,467	50.0	50.0	28.8	10.1	10.0	10.0	10.0	10.0	10.3	9.7	10.2	10.0	9.8	100

Note. Scores are normalized to a scale of 0-100 according to the nonlinear conversion shown in table 13. Also, refer to notes to table 9.

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Table 15. Multivariate Estimates of TransRisk Score Differences, by Race, Sex, and Age¹
A. Race or ethnicity--SSA data

Measure	Demographic group
	Non-Hispanic white	Black	Hispanic	Asian
Mean score (in regression sample)	54.0	25.6	38.2	54.8
Deviation of mean score from that for non-Hispanic white
Gross	.0	-28.3	-15.7	.9
Net, after controls
Age, sex, and marital status	.0	-22.8	-9.6	6.8
Above, plus tract income	.0	-20.0	-7.8	6.4
Above, plus estimated income	.0	-18.7	-6.7	5.5
Above, plus mean tract score	.0	-13.4	-3.9	5.5

1. For definitions, refer to notes to table 9.  Return to table

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Table 15. Multivariate Estimates of TransRisk Score Differences,
by Race, Sex, and Age--Continued¹

B. Race or ethnicity--location-based distribution

Measure	Demographic group
	Non- Hispanic white	Black	Hispanic	Asian
Mean score (in regression sample)	52.3	36.6	42.4	51.7
Deviation of mean score from that for non-Hispanic white
Gross	.0	-15.7	-9.9	-.5
Net, after controls
Age, sex, and marital status	.0	-13.0	-6.6	2.0
Above, plus tract income	.0	-9.3	-4.1	1.9
Above, plus estimated income	.0	-8.8	-3.6	.9
Above, plus mean tract score	.0	-2.5	-.2	1.0

1. For definitions, refer to notes to table 9.  Return to table

Return to text

 

Table 15. Multivariate Estimates of TransRisk Score
Differences, by Race, Sex, and Age

C. Sex

Measure	Demographic group
	Male	Female
Mean score (in regression sample)	48.4	50.1
Deviation of mean score from that for male
Gross	.0	1.6
Net, after controls
Age, race, and marital status	.0	1.5
Above, plus tract income	.0	1.5
Above, plus estimated income	.0	1.5
Above, plus mean tract score	.0	1.5

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Table 15. Multivariate Estimates of TransRisk Score
Differences, by Race, Sex, and Age

D. Age

Measure	Demographic group
	Younger than 30	30-39	40-49	50-61	62 or older
Mean score (in regression sample)	34.3	39.8	46.9	54.5	68.1
Deviation of mean score from that for 62 or older
Gross	-33.9	-28.4	-21.2	-13.7	.0
Net, after controls
Race, sex, and marital status	-27.6	-24.0	-19.1	-12.8	.0
Above, plus tract income	-27.3	-24.1	-19.4	-13.1	.0
Above, plus estimated income	-27.2	-24.4	-19.8	-13.5	.0
Above, plus mean tract score	-29.4	-25.8	-19.5	-12.3	.0

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Table 16. Changes in TransRisk Score, by Selected Characteristics of Sample Population, June 2003 to December 2004

Characteristic	2003 score	2004 score	2003 to 2004		Score change, by point range							Percent of scores rising, by 2003 score decile
			Mean change in score	Percent of scores rising	Neg- ative change of more than 30	-30 to -10	-10 to -5	-5 to 5	5 to 10	10 to 30	Pos- itive change of more than 30	1st	2nd	3rd	4th	5th	6th	7th	8th	9th	10th
Race or ethnicity--SSA data
Non-Hispanic white	54.1	54.3	.2	50.9	2.3	14.3	10.2	42.9	12.7	16.1	1.6	72.8	57.4	56.7	57.5	56.0	56.4	53.6	48.8	41.5	23.0
Black	25.7	25.8	.1	52.2	1.5	13.1	9.8	48.0	13.3	13.3	1.0	68.5	48.4	43.9	46.2	45.8	44.9	45.1	40.9	36.0	19.1
Hispanic	38.4	38.5	.2	52.4	2.3	15.1	10.1	41.0	13.6	16.5	1.5	70.4	53.4	54.5	52.4	52.0	49.1	45.4	43.3	38.7	22.9
Asian	54.9	55.7	.9	53.2	2.6	14.2	9.6	39.6	13.1	18.8	2.2	70.9	62.5	62.2	60.8	61.2	56.6	51.4	47.5	44.4	25.3
American Indian	57.7	58.1	.4	51.5	2.8	12.1	10.1	44.5	12.8	15.7	2.1	77.4	64.9	63.8	60.5	58.4	58.5	55.9	49.3	43.1	21.7
Unknown race	52.8	52.3	-.5	50.6	2.9	14.5	10.8	44.3	12.2	13.8	1.6	70.7	57.3	58.2	54.9	56.0	56.6	52.8	42.5	35.5	20.3
Race or ethnicity--location-based distribution
Non-Hispanic white	52.7	52.9	.1	51.0	2.3	14.3	10.3	43.1	12.7	15.7	1.6	72.0	56.4	56.0	56.9	55.9	56.4	53.3	47.7	41.1	22.7
Black	37.7	37.7	.0	51.5	2.0	13.9	9.9	45.8	12.8	14.2	1.3	68.8	51.1	49.4	50.2	50.9	51.0	48.9	45.0	38.5	21.6
Hispanic	43.2	43.3	.1	51.9	2.4	14.4	9.9	42.7	13.0	15.9	1.6	70.4	54.2	54.5	53.0	53.5	52.0	50.0	44.4	38.5	22.8
Asian	52.2	52.5	.3	51.8	2.5	14.2	10.0	42.4	12.5	16.7	1.8	71.4	57.7	58.1	58.3	57.5	55.6	51.9	45.8	41.9	24.2
American Indian	44.1	44.1	.1	51.6	2.3	14.1	10.6	42.9	13.6	15.1	1.4	69.8	52.9	52.5	51.4	56.9	52.8	52.7	48.4	40.4	20.4
National origin
Foreign-born	48.9	49.6	.6	53.1	2.5	14.6	9.8	40.2	12.8	18.1	2.1	71.6	58.5	58.6	58.3	56.5	54.4	50.7	46.9	42.9	24.4
Recent immigrant	45.6	46.4	.8	54.6	2.3	16.1	10.0	36.2	13.7	19.8	1.8	69.0	54.5	57.8	56.8	58.2	56.1	49.6	41.5	41.2	31.0
Sex
Male	48.9	49.3	.4	52.1	2.2	14.2	10.0	42.3	13.1	16.6	1.6	72.5	56.0	54.9	56.2	55.4	55.3	52.1	47.6	42.1	24.4
Female	50.5	50.5	.0	50.4	2.3	14.3	10.1	44.0	12.6	15.2	1.5	69.9	54.0	54.1	55.3	54.7	55.0	53.0	48.8	40.6	22.1
Unknown	54.0	53.3	-.7	50.6	3.1	14.5	11.2	44.9	11.9	12.9	1.6	70.3	58.5	59.8	55.2	56.8	57.5	52.9	40.6	32.2	17.2
Marital status
Married male	55.7	56.1	.4	51.3	2.1	14.4	10.2	42.0	12.9	16.6	1.7	73.2	59.1	56.1	58.1	57.2	57.7	54.0	49.3	42.3	24.6
Single male	43.5	44.0	.5	52.8	2.3	13.8	9.8	43.0	13.2	16.4	1.7	72.2	54.0	55.0	55.5	53.3	52.7	50.1	45.5	42.0	24.1
Married female	57.5	57.5	.0	49.8	2.3	14.3	10.4	43.5	12.5	15.4	1.6	71.6	57.1	57.2	58.0	55.9	56.9	55.4	50.9	41.0	22.7
Single female	44.9	44.9	.1	50.8	2.3	14.0	9.8	44.9	12.4	15.1	1.6	68.0	53.5	53.7	52.8	53.8	53.0	50.3	46.4	39.7	20.4
Unknown	44.0	43.9	-.2	51.9	2.5	14.4	10.3	43.7	12.8	14.8	1.4	71.2	53.5	53.5	53.4	54.5	54.4	51.0	41.3	36.8	19.9
Age--SSA data (years)
Younger than 30	34.4	34.0	-.4	51.8	2.3	16.8	10.2	39.2	13.7	16.9	.8	69.1	48.1	49.5	52.9	51.9	49.6	40.3	33.7	31.7	14.5
30 to 39	40.0	40.7	.7	54.5	2.0	14.2	10.1	40.8	13.8	17.6	1.5	71.0	54.8	53.6	55.8	54.6	55.9	50.1	46.3	37.9	24.7
40 to 49	47.1	47.4	.4	52.4	2.1	14.9	10.3	40.9	13.5	16.6	1.7	72.6	56.2	54.2	55.9	54.3	55.5	52.9	46.9	39.7	23.8
50 to 61	54.7	55.1	.4	51.6	2.2	14.0	10.5	42.4	12.8	16.3	1.8	71.4	59.2	58.2	57.7	56.3	58.0	56.2	51.5	41.6	24.1
62 or older	68.3	68.1	-.2	46.2	2.6	11.7	9.2	51.5	10.8	12.5	1.8	74.2	61.9	62.2	57.3	59.0	58.3	60.1	50.7	43.6	22.3
Unknown	54.0	53.2	-.7	50.5	3.1	14.5	11.2	44.9	11.9	12.9	1.6	70.3	58.5	59.7	55.2	56.8	57.5	52.9	40.6	32.0	17.2
Census tract characteristics
Income ratio
Low	32.5	32.4	-.1	51.7	2.1	14.2	9.5	46.5	12.0	14.4	1.3	67.2	48.0	51.2	47.5	49.5	49.9	50.5	39.8	35.0	18.8
Moderate	40.8	40.8	.0	51.7	2.3	13.9	9.9	44.7	12.9	15.0	1.3	70.3	53.1	52.2	51.5	52.3	51.1	48.7	44.7	38.3	22.2
Middle	50.4	50.5	.1	51.0	2.3	14.3	10.2	43.4	12.8	15.5	1.6	71.8	56.3	54.5	55.4	54.8	55.3	52.4	47.4	40.3	21.6
High	57.9	58.2	.3	51.3	2.4	14.3	10.5	42.0	12.7	16.4	1.8	72.3	57.8	60.4	61.0	58.4	58.4	55.1	48.2	42.4	24.6
Unknown	45.9	45.2	-.7	51.0	3.3	18.0	9.0	39.7	13.1	15.1	1.8	75.0	60.5	56.9	52.7	60.0	52.4	28.2	22.6	45.2	46.7
Minority population (percent)
Less than 10	55.8	55.9	.1	50.5	2.3	14.4	10.5	43.1	12.6	15.7	1.6	73.3	57.5	56.8	58.3	56.1	57.3	54.2	48.4	41.0	22.1
10-49	49.6	49.9	.2	51.6	2.3	14.1	10.0	43.1	12.9	15.8	1.7	70.9	55.5	55.4	55.7	55.8	55.5	52.5	46.7	41.2	23.7
50-79	40.6	40.7	.1	52.1	2.3	13.9	10.1	44.3	12.8	15.2	1.5	70.1	53.2	52.8	53.4	52.8	51.3	48.0	44.7	39.1	23.4
80 or more	34.5	34.5	-.1	51.4	2.2	14.5	9.7	44.8	12.8	14.8	1.3	68.6	51.0	50.2	48.3	50.0	48.3	46.6	40.7	34.7	19.7
Urban	50.3	50.4	.1	51.2	2.3	14.3	10.2	43.1	12.7	15.8	1.6	71.0	55.1	55.0	55.9	55.3	55.7	52.7	46.8	40.9	23.2
Rural	49.5	49.6	.1	51.1	2.1	14.0	10.2	44.4	13.0	14.9	1.4	71.4	55.7	54.6	55.0	55.0	54.3	52.5	49.0	40.2	20.2
All	50.1	50.3	.1	51.2	2.3	14.2	10.2	43.3	12.8	15.6	1.6	71.1	55.3	55.0	55.7	55.2	55.5	52.6	47.1	40.8	22.7

Note. Refer to note to table 14.A.

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Table 17. Sample Size and Performance (Percent Bad) of Credit-Account Performance Measures,
by Selected Characteristics of Sample Population, June 2003 to December 2004

Characteristic	Any account		New account		Existing account		Random account		Modified new account
	Sample size (number)	Percent bad	Sample size (number)	Percent bad	Sample size (number)	Percent bad	Sample size (number)	Percent bad	Sample size (number)	Percent bad
Race or ethnicity--SSA data
Non-Hispanic white	133,165	22.6	54,501	5.2	123,408	15.8	137,046	9.4	86,628	2.5
Black	18,274	65.9	6,144	21.7	13,965	54.1	17,151	33.4	9,430	10.5
Hispanic	14,702	42.0	6,050	10.7	12,682	31.9	14,965	18.4	10,194	4.7
Asian	7,906	18.2	3,551	4.8	7,505	13.1	8,138	7.7	6,062	2.3
American Indian	366	18.6	131	5.0	345	13.3	379	7.5	198	2.4
Unknown race	26,024	24.4	7,639	7.8	24,059	17.6	26,386	11.4	12,206	3.6
Race or ethnicity--location-based distribution
Non-Hispanic white	151,230	24.5	59,991	5.9	139,183	17.3	154,983	10.4	95,853	2.8
Black	20,106	47.4	6,892	14.7	16,743	35.9	19,576	22.7	10,715	7.0
Hispanic	19,910	36.5	7,474	10.1	17,547	27.1	20,078	16.5	12,208	4.6
Asian	7,685	23.8	3,107	6.2	7,131	17.1	7,892	10.7	5,032	3.1
American Indian	1,169	35.4	439	10.4	1,037	26.3	1,180	16.8	718	4.7
National origin
Foreign-born	22,597	26.3	9,620	5.9	20,804	19.2	23,362	10.9	16,281	2.7
Recent immigrant	3,762	24.8	1,697	5.2	3,490	18.2	3,871	11.0	3,104	2.3
Sex
Male	90,374	28.6	35,643	7.0	81,619	20.1	91,772	12.4	56,835	3.4
Female	94,031	28.4	38,748	7.1	85,419	20.5	96,181	12.3	62,240	3.3
Unknown	16,032	22.5	3,624	8.9	14,926	16.3	16,112	11.2	5,644	4.0
Marital status
Married male	49,311	20.2	20,625	4.4	46,327	14.3	51,321	8.1	32,824	2.1
Single male	25,386	35.4	9,359	9.8	22,242	25.3	25,292	16.1	15,099	4.5
Married female	50,015	19.5	21,936	4.4	47,240	14.2	52,425	7.8	35,469	2.1
Single female	28,921	35.7	11,117	10.0	25,545	26.4	29,132	16.1	17,747	4.6
Unknown	46,804	36.6	14,978	11.2	40,610	26.3	45,895	17.4	23,580	5.4
Age--SSA data (years)
Younger than 30	29,178	43.9	12,455	12.5	24,487	32.6	28,458	21.5	18,871	6.3
30 to 39	35,648	38.4	16,188	8.3	31,001	28.3	35,858	17.6	27,443	4.0
40 to 49	41,171	30.4	19,013	6.3	37,106	21.8	42,466	12.7	31,689	2.8
50 to 61	39,226	22.3	16,589	4.5	36,605	15.8	40,939	8.5	26,637	2.0
62 or older	39,220	12.2	10,159	3.9	37,877	8.7	40,274	4.6	14,453	2.0
Unknown	15,994	22.5	3,611	8.9	14,888	16.4	16,070	11.3	5,626	4.1
Census tract characteristics
Income ratio
Low	6,248	55.5	1,881	19.6	4,934	42.8	5,791	28.7	2,768	8.9
Moderate	35,278	41.3	12,275	12.3	30,197	30.5	34,814	19.2	19,285	5.9
Middle	103,803	27.3	40,325	6.9	94,601	19.5	106,105	11.8	64,315	3.3
High	54,678	17.6	23,385	3.8	51,825	12.4	56,901	7.1	38,098	1.8
Unknown	337	27.9	112	8.0	325	24.3	357	13.8	193	3.1
Minority population (percent)
Less than 10	83,817	20.7	33,595	4.5	78,139	14.4	86,301	8.5	53,414	2.2
10-49	82,210	28.1	32,415	7.4	74,692	20.2	83,866	12.3	52,161	3.5
50-79	19,051	41.3	6,972	12.2	16,454	31.0	18,979	19.4	11,090	5.9
80 or more	15,022	51.2	4,921	16.4	12,354	39.7	14,562	24.9	7,861	7.4
Urban	167,039	27.9	65,729	7.1	151,928	19.9	170,231	12.2	105,522	3.4
Rural	33,077	28.7	12,179	7.3	29,726	20.1	33,493	12.2	19,011	3.6
All	200,437	28.0	78,015	7.2	181,964	20.0	204,065	12.2	124,719	3.4

Note. Refer to notes to table 9.

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Table 18.A. Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Credit-Account Performance Measures and Selected Characteristics of Sample Population, June 2003 to December 2004

Characteristic	Any account	New account	Existing account	Random account	Modified new account
Race or ethnicity--SSA data
Non-Hispanic white	-1.0	-.6	-.8	-.6	-.4
Black	5.6	3.4	4.7	2.9	2.6
Hispanic	1.7	.8	1.2	.3	.1
Asian	-2.1	.0	-1.5	-.7	.0
American Indian	-2.1	-.7	-1.3	-1.3	-.5
Unknown race	.8	1.1	1.1	1.5	.4
Race or ethnicity--location-based distribution
Non-Hispanic white	-.6	-.4	-.4	-.4	-.2
Black	3.4	2.3	2.8	2.1	1.6
Hispanic	1.2	.8	.9	.7	.3
Asian	-1.2	.1	-.8	-.1	.2
American Indian	.3	1.2	.1	.8	.1
National origin
Foreign-born	-.6	-.3	-.7	-.7	-.4
Recent immigrant	-1.2	-.3	-1.0	.2	-.6
Sex
Male	-.3	.0	-.5	-.1	.0
Female	.0	-.2	.2	-.4	-.1
Unknown	1.2	2.2	1.6	2.6	1.0
Marital status
Married male	-1.2	-1.0	-1.0	-1.1	-.7
Single male	.4	.9	.1	.7	.5
Married female	-1.1	-1.0	-.7	-1.2	-.6
Single female	.8	.5	.7	.0	.4
Unknown	1.7	1.8	1.5	2.2	1.1
Age--SSA data (years)
Younger than 30	1.5	2.6	1.5	2.8	2.0
30 to 39	-.2	-.5	-.2	.0	-.1
40 to 49	-.4	-.7	-.6	-1.0	-.5
50 to 61	-.7	-1.1	-.8	-1.5	-.8
62 or older	-.3	.0	-.1	-.4	-.1
Unknown	1.2	2.2	1.6	2.6	1.0
Census tract characteristics
Income ratio
Low	5.2	5.4	4.4	5.0	3.1
Moderate	2.0	1.4	1.4	1.3	1.0
Middle	-.2	-.2	-.1	-.2	-.1
High	-1.5	-.9	-1.0	-.9	-.6
Unknown	-1.0	2.8	1.8	1.6	.6
Minority population (percent)
Less than 10	-1.0	-.9	-.7	-.6	-.5
10-49	-.2	.1	-.1	-.1	.0
50-79	1.8	1.5	1.3	1.1	1.2
80 or more	4.1	3.1	3.5	2.8	1.7
Urban	.0	.1	.0	.1	.1
Rural	.1	-.6	-.1	-.3	-.4
All	.0	.0	.0	.0	.0

Note. Refer to notes to table 9.

 

Table 18.B. Performance Residuals (Unexplained Percent Bad) for the VantageScore, by Credit-Account Performance Measures and Selected Characteristics of Sample Population, June 2003 to December 2004

Characteristic	Any account	New account	Existing account	Random account	Modified new account
Race or ethnicity--SSA data
Non-Hispanic white	-.7	-.6	-.6	-.5	-.3
Black	6.0	3.3	5.3	2.6	2.6
Hispanic	1.9	.6	1.2	.1	-.1
Asian	-2.1	.1	-1.6	-.5	.0
American Indian	-1.0	-.3	-.5	-.6	-.3
Unknown race	-.8	.8	-.4	.7	.3
Race or ethnicity--location-based distribution
Non-Hispanic white	-.5	-.4	-.4	-.3	-.2
Black	3.4	2.3	2.8	1.8	1.6
Hispanic	1.1	.7	.7	.5	.2
Asian	-1.2	.1	-.9	-.1	.2
American Indian	-.2	.7	-.3	.4	-.1
National origin
Foreign-born	-.4	-.4	-.7	-.6	-.4
Recent immigrant	-4.0	-1.2	-3.6	-1.4	-1.1
Sex
Male	.1	.0	-.2	.0	.0
Female	.2	-.2	.3	-.2	-.1
Unknown	-1.7	1.5	-.9	1.2	.6
Marital status
Married male	-.2	-.6	-.2	-.5	-.5
Single male	.7	.9	.1	.6	.5
Married female	-.5	-.7	-.1	-.7	-.4
Single female	.9	.4	.7	.0	.3
Unknown	-.2	1.0	-.2	.9	.7
Age--SSA data (years)
Younger than 30	-3.3	.5	-3.2	-.5	1.0
30 to 39	.3	-.4	.3	.1	.0
40 to 49	1.1	-.2	.7	-.1	-.3
50 to 61	1.0	-.5	.7	-.4	-.6
62 or older	.7	.5	.9	.3	.2
Unknown	-1.7	1.5	-.9	1.2	.6
Census tract characteristics
Income ratio
Low	3.8	4.5	3.0	3.3	2.8
Moderate	1.7	1.2	1.1	1.0	.9
Middle	-.2	-.2	-.1	-.2	-.1
High	-1.1	-.7	-.7	-.6	-.5
Unknown	-2.1	2.2	.8	1.1	.2
Minority population (percent)
Less than 10	-1.0	-.9	-.7	-.6	-.5
10-49	-.1	.2	-.1	-.1	.1
50-79	2.0	1.5	1.4	1.1	1.1
80 or more	3.8	2.7	3.1	2.2	1.5
Urban	.1	.1	.1	.1	.1
Rural	-.2	-.7	-.3	-.4	-.5
All	.0	.0	.0	.0	.0

Note. Refer to notes to table 9.

 

Table 18.C. Performance Residuals (Unexplained Percent Bad) for the FRB Base Score, by Credit-Account Performance Measures and Selected Characteristics of Sample Population, June 2003 to December 2004

Characteristic	Any account	New account	Existing account	Random account	Modified new account
Race or ethnicity--SSA data
Non-Hispanic white	-.8	-.6	-.6	-.5	-.3
Black	4.7	3.2	4.0	2.6	2.7
Hispanic	1.4	.6	.8	-.1	.0
Asian	-1.6	.1	-1.2	-.4	.0
American Indian	-1.6	-.5	-.8	-.8	-.5
Unknown race	.4	1.0	.6	1.3	.4
Race or ethnicity--location-based distribution
Non-Hispanic white	-.5	-.4	-.4	-.3	-.2
Black	2.9	2.4	2.5	1.9	1.6
Hispanic	1.0	.7	.7	.6	.3
Asian	-.9	.1	-.6	.0	.2
American Indian	.1	1.0	.0	.7	.1
National origin
Foreign-born	-.5	-.4	-.6	-.7	-.4
Recent immigrant	-1.3	-.3	-1.2	-.1	-.6
Sex
Male	-.2	.0	-.4	-.1	.0
Female	.1	-.2	.2	-.3	.0
Unknown	.5	2.0	.9	2.3	.9
Marital status
Married male	-.9	-.9	-.8	-1.0	-.7
Single male	.6	1.0	.3	.9	.6
Married female	-.8	-.9	-.5	-1.1	-.6
Single female	1.0	.6	.8	.1	.5
Unknown	.9	1.6	.8	1.7	1.0
Age--SSA data (years)
Younger than 30	.4	2.2	.5	2.0	1.8
30 to 39	-.2	-.5	-.2	.0	.0
40 to 49	-.2	-.6	-.4	-.9	-.5
50 to 61	-.3	-1.0	-.4	-1.2	-.8
62 or older	.1	.2	.3	-.1	.0
Unknown	.6	2.1	.9	2.3	.9
Census tract characteristics
Income ratio
Low	4.0	5.3	3.5	4.3	3.2
Moderate	1.8	1.4	1.3	1.3	1.0
Middle	-.2	-.2	-.1	-.2	-.1
High	-1.2	-.9	-.9	-.8	-.6
Unknown	-1.5	2.4	1.2	1.5	.5
Minority population (percent)
Less than 10	-.9	-.8	-.6	-.6	-.5
10-49	-.1	.1	-.1	-.1	.1
50-79	1.6	1.4	1.2	1.1	1.2
80 or more	3.4	3.0	2.9	2.6	1.7
Urban	.0	.1	.1	.1	.1
Rural	-.1	-.7	-.3	-.4	-.5
All	.0	.0	.0	.0	.0

Note. Refer to notes to table 9.

Return to text

 

Table 19.A. Any-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age¹  A. Race or ethnicity--SSA data

Measure	Demographic group
	Non- Hispanic white	Black	Hispanic	Asian
Mean of performance residuals (in regression sample)	-1.0	5.6	1.7	-2.1
Deviation of mean residual from that for non-Hispanic white
Gross	.0	6.6	2.7	-1.1
Net, after controls
Age, sex, and marital status	.0	6.9	2.7	-1.5
Above, plus tract income	.0	6.3	2.3	-1.4
Above, plus estimated income	.0	6.0	2.0	-1.3
Above, plus mean tract score	.0	4.7	1.4	-1.2

1. For definitions, refer to notes to table 9.  Return to table

 

Table 19.A. Any-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age¹  B. Race or ethnicity--location-based distribution

Measure	Demographic Group
	Non- Hispanic white	Black	Hispanic	Asian
Mean of performance residuals (in regression sample)	-.6	3.3	.9	-1.4
Deviation of mean residual from that for non-Hispanic white tract
Gross	.0	3.9	1.6	-.8
Net, after controls
Age, sex, and marital status	.0	3.9	1.4	-1.0
Above, plus tract income	.0	3.0	.8	-1.0
Above, plus estimated income	.0	2.9	.7	-.8
Above, plus mean tract score	.0	1.3	-.1	-.8

1. For definitions, refer to notes to table 9.  Return to table

 

Table 19.A. Any-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age  C. Sex

Measure	Demographic Group
	Male	Female
Mean of performance residuals (in regression sample)	-1.3	.0
Deviation of mean residual from that for male
Gross	.0	1.3
Net, after controls
Age, race, and marital status	.0	.0
Above, plus tract income	.0	.0
Above, plus estimated income	.0	.0
Above, plus mean tract score	.0	.0

 

Table 19.A. Any-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age  D. Age

Measure	Demographic Group
	Younger than 30	30-39	40-49	50-61	62 or older
Mean of performance residuals (in regression sample)	1.5	-.2	-.4	-.7	-.3
Deviation of mean residual from that for 62 or older
Gross	1.7	.0	-.1	-.4	.0
Net, after controls
Race, sex, and marital status	1.3	-.1	-.1	-.3	.0
Above, plus tract income	1.3	.0	.0	-.2	.0
Above, plus estimated income	1.1	.3	.6	.3	.0
Above, plus mean tract score	1.2	.2	.5	.2	.0

 

Table 19.B. New-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age¹  A. Race or ethnicity--SSA data

Measure	Demographic group
	Non- Hispanic white	Black	Hispanic	Asian
Mean of performance residuals (in regression sample)	-.6	3.4	.8	-.1
Deviation of mean residual from that for non-Hispanic white
Gross	.0	4.0	1.5	.5
Net, after controls
Age, sex, and marital status	.0	4.5	1.5	.3
Above, plus tract income	.0	3.8	.9	.3
Above, plus estimated income	.0	3.3	.6	.4
Above, plus mean tract score	.0	2.1	.3	.3

1. For definitions, refer to notes to table 9.  Return to table

 

Table 19.B. New-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age¹  B. Race or ethnicity--location-based distribution

Measure	Demographic Group
	Non- Hispanic white	Black	Hispanic	Asian
Mean of performance residuals (in regression sample)	-.5	2.0	.6	.0
Deviation of mean residual from that for non-Hispanic white tract
Gross	.0	2.5	1.1	.5
Net, after controls
Age, sex, and marital status	.0	2.6	1.0	.3
Above, plus tract income	.0	1.8	.5	.2
Above, plus estimated income	.0	1.6	.3	.3
Above, plus mean tract score	.0	.9	.0	.3

1. For definitions, refer to notes to table 9.  Return to table

 

Table 19.B. New-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age  C. Sex

Measure	Demographic Group
	Male	Female
Mean of performance residuals (in regression sample)	.0	-.2
Deviation of mean residual from that for male
Gross	.0	-.2
Net, after controls
Age, race, and marital status	.0	-.4
Above, plus tract income	.0	-.4
Above, plus estimated income	.0	-.4
Above, plus mean tract score	.0	-.4

 

Table 19.B. New-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age  D. Age

Measure	Demographic Group
	Younger than 30	30-39	40-49	50-61	62 or older
Mean of performance residuals (in regression sample)	2.6	-.5	-.7	-1.1	.0
Deviation of mean residual from that for 62 or older
Gross	2.6	-.5	-.8	-1.2	.0
Net, after controls
Race, sex, and marital status	2.1	-.7	-.7	-1.1	.0
Above, plus tract income	2.1	-.6	-.6	-1.0	.0
Above, plus estimated income	1.8	-.3	.0	-.4	.0
Above, plus mean tract score	1.8	-.3	.0	-.5	.0

 

Table 19.C. Existing-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age¹  A. Race or ethnicity--SSA data

Measure	Demographic group
	Non- Hispanic white	Black	Hispanic	Asian
Mean of performance residuals (in regression sample)	-.8	4.7	1.2	-1.6
Deviation of mean residual from that for non-Hispanic white
Gross	.0	5.5	2.0	-.8
Net, after controls
Age, sex, and marital status	.0	6.0	2.1	-1.0
Above, plus tract income	.0	5.6	1.7	-1.0
Above, plus estimated income	.0	5.3	1.5	-.9
Above, plus mean tract score	.0	4.3	1.1	-.9

1. For definitions, refer to notes to table 9.  Return to table

 

Table 19.C. Existing-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age¹  B. Race or ethnicity-- location-based distribution

Measure	Demographic Group
	Non- Hispanic white	Black	Hispanic	Asian
Mean of performance residuals (in regression sample)	-.5	2.5	.6	-1.0
Deviation of mean residual from that for non-Hispanic white tract
Gross	.0	3.0	1.1	-.5
Net, after controls
Age, sex, and marital status	.0	3.1	1.1	-.6
Above, plus tract income	.0	2.5	.6	-.7
Above, plus estimated income	.0	2.4	.6	-.5
Above, plus mean tract score	.0	1.3	.0	-.5

1. For definitions, refer to notes to table 9.  Return to table

 

Table 19.C. Existing-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age  C. Sex

Measure	Demographic Group
	Male	Female
Mean of performance residuals (in regression sample)	-.5	.1
Deviation of mean residual from that for male
Gross	.0	.6
Net, after controls
Age, race, and marital status	.0	.4
Above, plus tract income	.0	.4
Above, plus estimated income	.0	.4
Above, plus mean tract score	.0	.4

 

Table 19.C. Existing-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age  D. Age

Measure	Demographic Group
	Younger than 30	30-39	40-49	50-61	62 or older
Mean of performance residuals (in regression sample)	1.5	-.2	-.6	-.8	-.1
Deviation of mean residual from that for 62 or older
Gross	1.5	-.2	-.5	-.7	.0
Net, after controls
Race, sex, and marital status	1.3	-.2	-.4	-.6	.0
Above, plus tract income	1.3	-.2	-.4	-.6	.0
Above, plus estimated income	1.1	.2	.2	-.1	.0
Above, plus mean tract score	1.1	.1	.1	-.1	.0

 

Table 19.D. Random-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age¹  A. Race or ethnicity--SSA data

Measure	Demographic group
	Non- Hispanic white	Black	Hispanic	Asian
Mean of performance residuals (in regression sample)	-.6	2.9	.2	10.7
Deviation of mean residual from that for non-Hispanic white
Gross	.0	3.5	.8	-.4
Net, after controls
Age, sex, and marital status	.0	2.4	.6	.0
Above, plus tract income	.0	1.6	.1	-.1
Above, plus estimated income	.0	1.5	.1	.0
Above, plus mean tract score	.0	.9	-.2	.0

1. 1. For definitions, refer to notes to table 9.  Return to table

 

Table 19.D. Random-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age¹  B. Race or ethnicity-- location-based distribution

Measure	Demographic Group
	Non- Hispanic white	Black	Hispanic	Asian
Mean of performance residuals (in regression sample)	-.5	1.7	-.2	-.3
Deviation of mean residual from that for non-Hispanic white tract
Gross	.0	2.2	.3	.2
Net, after controls
Age, sex, and marital status	.0	2.4	.2	-.1
Above, plus tract income	.0	1.6	-.4	-.2
Above, plus estimated income	.0	1.5	-.4	-.2
Above, plus mean tract score	.0	1.2	-.5	-.2

1. For definitions, refer to notes to table 9.  Return to table

 

Table 19.D. Random-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age  C. Sex

Measure	Demographic group
	Male	Female
Mean of performance residuals (in regression sample)	-.1	-.4
Deviation of mean residual from that for male
Gross	.0	-.3
Net, after controls
Age, race, and marital status	.0	-.4
Above, plus tract income	.0	-.4
Above, plus estimated income	.0	-.4
Above, plus mean tract score	.0	-.5

 

Table 19.D. Random-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age  D. Age

Measure	Demographic group
	Younger than 30	30-39	40-49	50-61	62 or older
Mean of performance residuals (in regression sample)	2.8	-.1	-1.0	-1.5	-.4
Deviation of mean residual from that for 62 or older
Gross	3.2	.4	-.6	-1.1	.0
Net, after controls
Race, sex, and marital status	2.8	.3	-.4	-1.0	.0
Above, plus tract income	2.8	.3	-.4	-.9	.0
Above, plus estimated income	2.5	.6	.1	-.4	.0
Above, plus mean tract score	2.5	.6	.1	-.5	.0

 

Table 19.E. Modified New-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age¹  A. Race or ethnicity--SSA data

Measure	Demographic group
	Non- Hispanic white	Black	Hispanic	Asian
Mean of performance residuals (in regression sample)	-.3	2.6	.1	-.1
Deviation of mean residual from that for non-Hispanic white
Gross	.0	3.0	.5	.3
Net, after controls
Age, sex, and marital status	.0	3.3	.4	.1
Above, plus tract income	.0	2.9	.1	.0
Above, plus estimated income	.0	2.6	-.1	.1
Above, plus mean tract score	.0	2.1	-.3	.0

1. For definitions, refer to notes to table 9.  Return to table

 

Table 19.E. Modified New-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age¹  B. Race or ethnicity-- location-based distribution

Measure	Demographic Group
	Non- Hispanic white	Black	Hispanic	Asian
Mean of performance residuals (in regression sample)	-.3	1.4	.1	.2
Deviation of mean residual from that for non-Hispanic white tract
Gross	.0	1.7	.4	.5
Net, after controls
Age, sex, and marital status	.0	1.8	.3	.4
Above, plus tract income	.0	1.2	-.1	.3
Above, plus estimated income	.0	1.1	-.2	.3
Above, plus mean tract score	.0	.8	-.4	.3

1. For definitions, refer to notes to table 9.  Return to table

 

Table 19.E. Modified New-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age  C. Sex

Measure	Demographic Group
	Male	Female
Mean of performance residuals (in regression sample)	.0	.0
Deviation of mean residual from that for male
Gross	.0	.1
Net, after controls
Age, race, and marital status	.0	-.2
Above, plus tract income	.0	-.2
Above, plus estimated income	.0	-.2
Above, plus mean tract score	.0	-.2

 

Table 19.E. Modified New-Account Performance Measure--Multivariate Estimates of Performance Residuals (Unexplained Percent Bad) for the TransRisk Score, by Race, Sex, and Age  D. Age

Measure	Demographic Group
	Younger than 30	30-39	40-49	50-61	62 or older
Mean of performance residuals (in regression sample)	2.0	-.1	-.5	-.8	-.1
Deviation of mean residual from that for 62 or older
Gross	2.1	.0	-.4	-.7	.0
Net, after controls
Race, sex, and marital status	1.8	-.1	-.4	-.7	.0
Above, plus tract income	1.8	.0	-.4	-.7	.0
Above, plus estimated income	1.5	.2	.1	-.3	.0
Above, plus mean tract score	1.5	.2	.0	-.3	.0

Return to text

 

Table 20. Characteristics of New Loans for Borrowers in Selected Quintiles of TransRisk Score Distribution, and Distribution of Loans, by Selected Characteristics of Sample Population and Type of Loan, July-December 2003   A. Lowest quintile

Characteristic	Percent with loans	Estimated denial rate	Mortgage			Automobile loan						Installment loan						Credit card loan				Other loans
						From bank			From finance company			From bank			From finance company			From bank		From finance company
			Percent of loans	Average interest rate	Percent bad	Percent of loans	Average interest rate	Percent bad	Percent of loans	Average interest rate	Percent bad	Percent of loans	Average interest rate	Percent bad	Percent of loans	Average interest rate	Percent bad	Percent of loans	Percent bad	Percent of loans	Percent bad	Percent of loans	Percent bad
Race or ethnicity--SSA data
Non-Hispanic white	18.7	40.2	11.4	9.3	3.9	6.3	10.7	4.3	10.7	16.4	6.4	7.6	11.4	6.2	18.2	19.1	13.3	33.5	22.1	1.4	8.7	11.0	20.8
Black	17.9	44.9	7.9	9.4	4.8	3.7	14.1	4.6	11.4	17.6	11.2	5.7	14.6	6.0	28.2	20.5	14.8	31.0	35.5	1.4	27.6	10.7	29.4
Hispanic	17.9	43.4	8.2	9.6	1.9	3.9	11.1	10.8	9.1	16.4	8.6	3.7	12.4	3.9	32.4	22.5	17.6	28.3	20.2	2.7	19.7	11.6	14.8
Asian	19.1	41.9	10.2	9.0	3.6	4.7	10.9	7.5	7.6	15.3	4.9	5.0	9.8	7.1	10.9	19.9	25.9	45.5	17.5	2.6	2.0	13.6	11.2
American Indian	21.4	38.0	7.5	9.2	7.2	4.8	11.6	2.8	5.2	15.2	7.1	6.8	10.4	3.8	26.0	17.6	8.8	32.9	28.6	1.1	4.9	15.7	11.1
Unknown race	13.6	36.3	9.0	8.8	3.2	5.8	12.3	8.2	9.8	16.0	6.8	6.0	13.0	7.9	19.9	19.3	17.1	35.0	26.8	.9	.0	13.7	17.9
Race or ethnicity--location-based distribution
Non-Hispanic white	18.6	40.4	10.5	9.3	4.0	5.9	11.0	4.5	10.6	16.6	6.9	7.2	11.8	5.9	20.5	19.8	14.4	32.8	23.8	1.4	11.9	11.1	20.0
Black	16.5	43.8	8.7	9.4	3.7	3.8	13.2	5.1	10.6	17.1	9.8	5.6	13.4	7.1	25.7	19.9	14.9	33.0	31.8	1.4	17.3	11.3	29.4
Hispanic	16.8	41.9	8.9	9.3	3.7	4.3	12.6	9.0	9.7	16.3	10.7	4.7	12.9	6.3	27.3	21.0	17.0	30.8	23.5	2.3	21.8	12.0	17.6
Asian	16.5	42.3	11.0	9.0	2.7	4.9	11.9	11.0	10.5	16.2	7.1	4.7	12.6	5.8	14.1	19.2	15.7	39.7	25.8	2.4	6.8	12.6	22.2
American Indian	18.4	39.0	5.5	9.6	3.9	5.3	11.7	23.7	11.5	16.9	7.0	7.0	15.4	4.8	36.3	18.9	12.6	25.3	31.1	1.6	7.2	7.5	26.4
National origin
Foreign-born	16.7	45.3	11.0	9.4	2.4	5.5	10.4	4.9	7.7	15.0	3.5	2.7	11.0	3.3	16.6	19.2	17.3	39.8	14.9	3.1	14.7	13.7	11.1
Recent immigrant	14.5	45.8	6.6	9.8	.0	6.6	13.7	.0	5.9	12.6	11.1	2.0	10.0	.0	19.1	15.8	10.3	38.2	8.6	4.6	.0	17.1	.0
Sex
Male	17.4	41.5	11.2	9.3	4.5	6.5	11.4	4.2	10.8	16.8	8.0	7.2	11.4	6.2	21.0	19.6	16.4	33.7	24.5	1.4	18.0	8.3	14.3
Female	19.4	42.2	8.9	9.3	3.2	4.2	11.4	7.2	10.3	16.5	7.9	5.9	13.1	5.9	23.7	20.3	13.6	31.8	25.7	1.7	12.0	13.5	25.2
Unknown	9.9	33.1	10.7	9.0	2.2	6.0	12.2	3.9	8.8	15.6	5.3	6.0	8.7	7.7	16.7	19.0	15.3	33.6	28.3	.7	.0	17.4	22.7
Marital status
Married male	21.0	40.1	14.0	9.5	3.3	7.5	11.5	1.7	10.4	16.2	4.4	5.9	10.8	5.0	20.3	19.9	13.0	31.7	22.9	1.1	16.0	9.1	16.1
Single male	16.0	43.1	8.7	9.3	5.6	5.4	10.7	7.1	10.9	17.2	10.0	8.2	11.4	5.3	22.0	18.6	15.2	35.7	25.5	1.9	22.9	7.2	9.9
Married female	23.2	40.0	11.1	9.3	3.5	4.4	11.5	4.3	11.6	16.3	7.3	5.9	12.9	3.9	21.6	21.7	10.8	30.4	22.3	1.9	14.3	13.1	24.6
Single female	18.1	43.2	7.2	9.6	1.8	3.5	11.9	10.0	9.7	16.4	6.3	6.0	13.7	7.3	23.7	19.2	14.7	34.0	27.6	1.3	10.3	14.8	23.8
Unknown	14.4	40.5	8.7	8.9	5.1	5.7	11.7	6.7	10.0	17.2	10.9	6.9	12.1	8.4	23.2	19.7	19.2	32.7	27.1	1.6	9.8	11.3	23.6
Age--SSA data (years)
Younger than 30	14.9	45.5	5.8	8.9	7.8	6.7	11.5	10.2	11.6	17.8	14.8	6.8	12.4	6.0	24.6	16.7	21.7	31.4	30.4	2.1	17.0	11.1	24.4
30 to 39	19.1	43.1	10.5	9.2	3.8	5.3	11.5	3.8	11.4	16.5	7.0	6.1	11.7	6.1	21.8	18.5	17.9	32.5	27.2	1.8	14.5	10.7	22.0
40 to 49	20.1	41.1	11.5	9.4	3.8	5.0	11.4	3.1	10.3	16.3	6.0	7.1	11.9	5.7	20.6	21.5	10.4	33.3	25.0	1.4	15.6	10.8	18.7
50 to 61	20.7	38.6	11.8	9.6	3.2	4.6	11.4	5.1	9.5	15.9	3.0	6.4	13.0	6.6	21.7	21.7	9.8	33.1	19.7	1.2	11.5	11.6	19.6
62 or older	16.7	34.5	7.8	9.1	.0	4.5	11.2	5.6	7.6	17.2	11.5	6.1	13.2	6.1	28.0	24.0	11.6	33.1	16.9	.8	.0	12.2	24.5
Unknown	9.9	33.0	10.7	9.0	2.2	6.0	12.2	3.9	8.8	15.6	5.3	6.0	8.7	7.7	16.7	19.0	15.3	33.6	28.3	.7	.0	17.4	22.7
Census tract characteristics
Income ratio
Low	12.1	46.2	6.7	8.8	5.9	3.3	15.6	17.7	9.0	17.7	17.4	4.9	14.0	4.0	24.5	17.9	22.4	38.4	30.6	2.9	26.7	10.2	36.5
Moderate	16.9	41.7	8.5	9.6	3.0	4.2	12.8	4.6	10.6	17.1	9.6	5.5	13.1	8.1	25.7	20.4	16.9	32.4	29.0	1.7	20.8	11.6	27.5
Middle	18.4	40.5	10.1	9.4	4.4	5.7	11.1	6.2	10.2	16.7	7.6	7.4	11.8	5.7	22.7	20.3	13.8	31.9	23.7	1.4	12.6	10.6	19.3
High	20.2	41.0	12.4	8.8	3.0	6.2	10.7	2.3	11.6	15.6	4.5	5.8	12.2	5.7	15.0	18.5	11.6	34.2	22.7	1.6	2.9	13.2	15.7
Unknown	5.8	40.6	.0	n.a.	n.a.	40.0	10.5	.0	20.0	17.1	.0	.0	n.a.	n.a.	.0	n.a.	n.a.	20.0	.0	.0	n.a.	20.0	100.0
Minority population (percent)
Less than 10	18.9	40.6	11.4	9.3	3.7	7.1	10.5	3.0	10.3	16.9	5.6	8.8	11.9	6.3	17.2	18.8	12.7	33.2	20.8	1.2	8.5	10.8	18.0
10-49	18.4	39.9	9.7	9.3	3.7	5.0	11.4	6.1	10.8	16.4	7.9	6.0	11.5	5.4	23.2	20.6	15.0	32.8	25.5	1.5	13.8	11.1	22.0
50-79	17.4	42.8	8.8	9.6	5.3	3.3	14.4	7.0	11.1	17.2	8.9	4.7	14.6	7.4	27.1	18.9	16.7	32.2	30.6	1.7	10.0	11.1	25.5
80 or more	15.0	44.9	8.7	9.1	3.1	4.2	13.1	11.3	9.3	16.2	12.3	4.6	13.8	7.4	25.9	20.8	16.1	32.0	29.2	2.2	28.1	13.3	22.2
Urban	17.5	42.2	10.8	9.3	4.0	5.3	11.5	5.2	11.0	16.5	7.6	5.4	12.3	5.5	19.0	19.6	16.0	34.7	25.1	1.7	15.0	12.2	21.4
Rural	19.8	37.0	6.6	9.7	3.1	5.3	11.3	6.2	8.5	17.2	9.2	11.2	11.9	7.3	35.1	21.0	12.5	24.6	25.5	.9	9.1	7.8	21.1
All	17.9	41.3	10.0	9.3	3.8	5.3	11.5	5.4	10.5	16.6	7.9	6.5	12.2	6.1	22.2	19.9	14.9	32.7	25.2	1.5	14.3	11.3	21.4

Note. For definitions of characteristics, refer to notes to table 9.
n.a. Not available

 

Table 20. Characteristics of New Loans for Borrowers in Selected Quintiles of TransRisk Score Distribution, and Distribution of Loans, by Selected Characteristics of Sample Population and Type of Loan, July-December 2003 B. Second-lowest quintile

Characteristic	Percent with loans	Estimated denial rate	Mortgage			Automobile loan						Installment loan						Credit card loan				Other loans
						From bank			From finance company			From bank			From finance company			From bank		From finance company
			Percent of loans	Average interest rate	Percent bad	Percent of loans	Average interest rate	Percent bad	Percent of loans	Average interest rate	Percent bad	Percent of loans	Average interest rate	Percent bad	Percent of loans	Average interest rate	Percent bad	Percent of loans	Percent bad	Percent of loans	Percent bad	Percent of loans	Percent bad
Race or ethnicity--SSA data
Non-Hispanic white	42.0	19.4	16.4	8.3	1.4	8.7	7.6	1.5	4.2	12.2	2.3	6.4	10.4	1.8	8.9	19.7	6.1	29.2	7.2	2.4	5.4	23.8	3.9
Black	36.8	23.9	12.9	8.7	3.0	6.1	8.7	2.3	4.9	13.8	10.2	5.6	12.8	4.5	17.9	22.0	7.5	25.3	13.9	1.6	8.6	25.7	10.2
Hispanic	42.6	22.8	12.4	8.5	1.4	6.0	8.2	1.4	4.2	11.6	2.1	4.4	12.4	3.4	12.6	22.7	6.9	27.6	7.6	2.7	1.0	30.0	5.8
Asian	44.8	19.1	16.7	7.9	2.8	6.1	6.8	1.3	2.7	10.5	2.9	2.7	10.6	9.0	4.7	19.6	3.7	37.9	5.4	2.4	6.4	26.7	7.2
American Indian	36.5	16.1	14.3	8.2	.4	7.8	7.1	.2	5.8	8.8	1.2	9.4	10.9	.9	12.2	21.0	3.8	26.7	4.0	2.5	1.0	21.2	2.6
Unknown race	27.2	16.3	15.0	8.4	2.2	7.0	8.1	2.4	4.7	13.0	2.1	6.2	10.1	2.7	10.6	20.0	8.7	30.5	7.8	2.1	6.4	24.0	5.2
Race or ethnicity--location-based distribution
Non-Hispanic white	40.2	19.5	15.9	8.3	1.5	8.3	7.7	1.5	4.2	12.3	2.7	6.3	10.6	2.2	9.4	20.0	6.5	29.0	7.3	2.3	4.4	24.6	4.5
Black	35.4	21.4	13.7	8.7	2.9	6.3	8.4	2.3	4.7	13.3	6.2	5.7	11.4	3.1	14.6	21.6	6.9	27.7	11.7	1.9	10.4	25.5	8.4
Hispanic	38.4	20.3	13.8	8.4	2.0	6.4	7.8	1.8	4.3	12.0	3.5	4.4	11.5	3.8	12.9	21.8	7.0	29.8	8.3	2.7	5.4	25.7	5.5
Asian	40.3	19.4	16.9	8.0	1.1	6.8	7.3	1.3	4.0	11.8	3.7	4.0	11.3	4.3	7.0	19.6	7.9	32.3	8.0	2.3	6.2	26.8	5.8
American Indian	39.6	19.8	11.0	8.4	1.5	9.0	8.2	1.3	5.0	12.6	3.3	8.6	11.7	1.8	15.6	21.8	7.8	26.9	6.6	1.8	4.2	22.2	6.0
National origin
Foreign-born	43.7	21.4	15.0	8.3	1.7	6.4	7.6	.7	3.9	10.6	1.7	3.2	11.1	4.0	7.5	20.2	7.2	32.9	6.0	2.5	3.4	28.7	5.0
Recent immigrant	47.8	20.7	12.9	8.3	.0	4.7	7.9	.0	4.2	11.1	.0	2.4	11.3	4.2	6.7	21.1	9.1	36.5	4.4	3.4	2.9	29.2	6.2
Sex
Male	40.4	21.3	16.6	8.3	2.0	9.1	7.8	1.5	5.0	12.0	3.1	6.9	11.1	2.6	10.1	20.7	7.1	29.8	7.9	1.8	8.3	20.7	5.5
Female	42.3	19.5	14.3	8.4	1.2	6.7	7.7	1.6	3.6	12.7	3.4	5.0	10.5	2.4	10.5	20.5	6.0	28.2	7.7	2.8	3.1	28.9	5.0
Unknown	20.5	13.8	14.9	8.4	2.3	6.8	8.6	3.0	4.4	13.4	4.7	5.5	9.7	2.5	11.6	18.4	9.4	30.0	9.3	1.8	7.4	25.0	4.4
Marital status
Married male	44.3	19.9	19.3	8.3	1.1	9.6	7.5	1.6	5.8	11.9	1.4	6.9	10.9	1.6	9.8	20.3	6.3	27.3	5.9	1.6	6.7	19.7	3.8
Single male	38.1	22.2	15.3	8.3	2.6	8.2	8.1	1.6	4.0	12.2	3.9	6.2	11.1	2.5	9.7	21.1	6.2	32.4	9.7	1.9	10.3	22.4	7.3
Married female	46.0	17.6	17.0	8.4	1.3	7.8	7.4	.9	3.6	12.0	1.6	5.1	10.3	2.2	9.0	20.5	5.9	26.3	5.9	3.1	2.8	28.1	3.4
Single female	40.0	20.8	12.4	8.2	1.0	5.1	8.1	2.3	3.6	13.6	5.5	4.5	10.6	3.0	11.1	20.1	6.4	29.9	8.7	2.6	3.8	30.7	6.1
Unknown	31.7	19.5	12.1	8.4	2.9	7.6	8.2	2.0	4.2	12.6	5.6	6.6	10.9	3.4	12.1	20.6	8.1	30.9	9.6	2.2	5.6	24.3	6.2
Age--SSA data (years)
Younger than 30	40.3	24.2	9.4	8.5	3.1	8.5	7.9	2.5	4.1	12.4	6.4	6.1	11.1	4.8	9.6	18.9	10.7	32.5	10.4	1.6	5.6	28.3	8.0
30 to 39	45.1	21.4	17.4	8.3	2.0	7.8	7.6	2.0	4.7	11.5	2.3	5.9	10.7	2.3	9.3	19.3	6.5	27.6	8.1	2.3	6.3	24.9	5.4
40 to 49	44.9	19.8	18.6	8.4	1.1	7.9	7.7	.7	4.4	13.0	3.5	5.2	10.6	1.5	9.8	21.1	5.1	27.9	7.1	2.6	4.6	23.6	3.9
50 to 61	41.9	18.9	16.8	8.2	1.3	7.6	7.8	1.2	3.9	11.9	1.8	6.5	11.3	1.9	10.9	21.4	4.6	27.5	5.5	2.7	3.2	24.1	3.3
62 or older	28.7	15.4	12.3	8.0	1.1	6.5	7.9	.7	3.8	13.4	.0	6.7	10.1	1.3	15.9	22.9	5.7	31.6	6.6	2.3	7.6	21.1	4.1
Unknown	20.4	13.8	14.9	8.4	2.3	6.8	8.6	3.0	4.4	13.4	4.7	5.5	9.7	2.5	11.6	18.4	9.4	29.9	9.4	1.9	7.4	25.1	4.4
Census tract characteristics
Income ratio
Low	30.0	22.6	11.1	8.7	.9	4.3	9.3	2.3	3.6	13.6	2.8	4.9	11.3	.0	11.6	21.5	7.0	34.4	13.7	1.9	15.8	28.1	8.2
Moderate	35.4	21.0	13.0	8.6	3.2	6.8	8.0	2.9	4.2	12.3	2.7	5.9	11.4	3.6	13.4	21.2	7.3	29.7	9.2	2.3	5.6	24.8	6.8
Middle	40.4	19.4	14.9	8.4	1.5	8.4	7.9	1.4	4.2	12.9	3.9	6.5	10.7	2.4	10.6	20.4	6.3	29.2	8.0	2.2	4.7	24.0	5.4
High	42.9	19.2	19.2	8.0	1.1	7.8	7.2	1.2	4.6	11.1	2.6	4.7	10.2	2.0	7.1	19.8	7.0	27.5	5.3	2.6	4.6	26.5	2.9
Unknown	33.0	12.8	16.1	8.2	10.0	12.9	8.4	.0	4.8	14.4	.0	11.3	10.7	.0	11.3	21.1	.0	16.1	10.0	1.6	.0	25.8	18.8
Minority population (percent)
Less than 10	41.0	19.6	15.8	8.3	1.3	9.1	7.7	1.1	3.7	12.7	1.2	7.2	10.1	2.1	8.8	19.5	5.7	28.8	6.5	2.1