---

Available Credit on Revolving Accounts ($000s)	Change in AVAILCREDIT ($000s) Point Estimate	Change in AVAILCREDIT ($000s) 95% Confidence Interval Upper Bound	Change in AVAILCREDIT ($000s) 95% Confidence Interval Lower Bound
-0.17099999	0.01510628	0.0438979	-0.0682929
2.7991428	0.18643916	0.20657	0.1153601
5.7692856	0.34241878	0.3652789	0.2772752
8.7394284	0.49260244	0.5214082	0.4276352
11.709571	0.64867545	0.6853592	0.5796493
14.679714	0.82536564	0.8721492	0.7497872
17.649857	1.0058373	1.061375	0.9224746
20.62	1.1785931	1.243621	1.086923
23.590142	1.3626535	1.437522	1.262645
26.560285	1.5560382	1.640962	1.447923
29.530428	1.7720014	1.867304	1.656151
32.500571	1.9980405	2.104781	1.874792
35.470714	2.2244067	2.343445	2.094119
38.440856	2.4308058	2.564272	2.293753
41.410999	2.6597548	2.809152	2.516022
44.381142	2.9485476	3.114586	2.797997
47.351285	3.3088733	3.493065	3.151746
50.321428	3.702237	3.907669	3.539163
53.29157	4.0703987	4.299971	3.901986
56.261713	4.4380334	4.692819	4.265125
59.231856	4.8040106	5.084546	4.627914
62.201999	5.0727787	5.381536	4.895582
65.172142	5.3254355	5.662218	5.150828
68.142284	5.6651754	6.035487	5.496211
71.112427	6.0974974	6.503556	5.928825
74.08257	6.5669687	7.010836	6.398181
77.052713	7.1094083	7.592022	6.940158
80.022856	7.4799661	8.005688	7.311704
82.992998	7.6125363	8.187479	7.44624
85.963141	7.7453769	8.382156	7.577956
88.933284	8.1352451	8.854553	7.967237
91.903427	8.9122297	9.711831	8.744446
94.87357	9.7059497	10.58436	9.539452
97.843712	10.406843	11.36765	10.24285
100.81386	10.76947	11.81784	10.60645
103.784	10.854035	11.98047	10.69071
106.75414	10.974569	12.1622	10.8106
109.72428	11.367554	12.62555	11.20291
112.69443	12.024027	13.3583	11.8589
115.66457	12.970646	14.39789	12.80567
118.63471	13.532429	15.06036	13.36895
121.60485	13.762739	15.37602	13.60295
124.575	13.919069	15.66213	13.76331
127.54514	14.238194	16.13058	14.07178
130.51528	15.004323	17.03307	14.8241
133.48543	16.010417	18.14811	15.81163
136.45557	16.296329	18.54806	16.07512
139.42571	15.856037	18.5182	15.6078
142.39585	14.018348	17.82929	13.73733
145.366	12.140666	18.90868	11.81943

Neighborhood Racial Composition (PCT_BLACK)	Change in AVAILCREDIT ($000s) Point Estimate	Change in AVAILCREDIT ($000s) 95% Confidence Interval Upper Bound	Change in AVAILCREDIT ($000s) 95% Confidence Interval Lower Bound
0	2.3735831	2.456982	2.290184
0.02040816	2.2691125	2.340192	2.198034
0.04081633	2.168692	2.233835	2.103549
0.06122449	2.0717916	2.136759	2.006824
0.08163265	1.978193	2.047219	1.909167
0.10204082	1.8896748	1.965253	1.814096
0.12244898	1.8086373	1.892	1.725275
0.14285714	1.7316999	1.82337	1.640029
0.16326531	1.6598988	1.759907	1.559891
0.18367347	1.590162	1.698277	1.482047
0.20408163	1.5234571	1.639308	1.407606
0.2244898	1.4594383	1.582686	1.33619
0.24489796	1.399301	1.529589	1.269013
0.26530612	1.342303	1.479355	1.205251
0.28571429	1.2913559	1.435088	1.147623
0.30612245	1.2546467	1.405197	1.104096
0.32653061	1.2276284	1.384756	1.070501
0.34693878	1.1970635	1.360138	1.033989
0.36734694	1.168423	1.336836	1.00001
0.3877551	1.1385672	1.311476	0.9656585
0.40816327	1.1077697	1.283866	0.9316733
0.42857143	1.0785544	1.255751	0.9013576
0.44897959	1.0527129	1.22732	0.8781056
0.46938776	1.0295435	1.198508	0.8605791
0.48979592	1.0061183	1.17479	0.8374465
0.51020408	0.98316666	1.151954	0.814379
0.53061224	0.9621256	1.131376	0.7928753
0.55102041	0.94352744	1.11179	0.7752651
0.57142857	0.92322611	1.089522	0.7569301
0.59183673	0.90226046	1.069681	0.7348397
0.6122449	0.88067488	1.048682	0.7126673
0.63265306	0.85966055	1.027445	0.6918764
0.65306122	0.83292837	0.999426	0.6664307
0.67346939	0.80383982	0.9678334	0.6398462
0.69387755	0.77270192	0.935725	0.6096788
0.71428571	0.74714458	0.910473	0.5838162
0.73469388	0.72643526	0.8904057	0.5624648
0.75510204	0.70593427	0.8705795	0.541289
0.7755102	0.68464874	0.8497789	0.5195186
0.79591837	0.65799243	0.8229702	0.4930147
0.81632653	0.62814885	0.7916229	0.4646748
0.83673469	0.59488501	0.7546716	0.4350984
0.85714286	0.55998158	0.7157432	0.4042199
0.87755102	0.52599391	0.6924121	0.3595757
0.89795918	0.49392077	0.6741477	0.3136939
0.91836735	0.457128	0.6559141	0.2583419
0.93877551	0.41613312	0.6373401	0.1949261
0.95918367	0.36838218	0.6166207	0.1201437
0.97959184	0.30258108	0.5835998	0.0215624
1	0.23789295	0.5591276	-0.0833417

Figure 2 is entitled "Geographic Coordinates from the Credit Bureau and Census Block Group Internal Points in the Outer Banks, North Carolina." This figure shows a map of the Outer Banks area of North Carolina. Specifically, the internal points and boundaries for 84 Census block groups are depicted. In all but two cases, the internal points (which are supplied by the Census Bureau as longitude and latitude coordinates) fall within the portion of the block group that is covered by land (the remainder of the block group is covered by water). The two cases where this does not occur are the block groups beyond the coast that cover only ocean.

The graph also shows the longitude and latitude coordinates from the 2003 and 2004 credit bureau data. There are 72 points depicted from the 2003 data and 71 points for 2004 (each point can correspond to multiple individuals in the data). Each of these points is depicted as the center of a circle with a 1-mile radius, representing the distance beyond which individuals are not assigned to block groups (that is, the neighborhood characteristics for these people are all coded as missing values if the internal point for a block group does not fall within the area covered by the circle).

Of the points from the 72 points from the 2003 data, 22 have points that fall within the portion of the block group that is covered by water. Of these 22, 16 (or approximately 73%) are more than 1 mile away from the nearest internal point, meaning that they were assigned missing values for all neighborhood characteristics. None of the 71 points for the 2004 data fell within the areas covered by water.

Of the points that fall on land, the figure shows that in block groups covering smaller geographic areas, where the 1-mile radius around each point from the credit bureau covers a larger portion of the block group, the internal point from the Census Bureau is more likely to fall within this radius. In the larger block groups depicted, where the 1-mile-radius circles represent a smaller portion of the block group's area, the internal point falls outside of the circle in most of the cases.

Neighborhood Racial Composition (PCT_BLACK)	Credit Score Point Estimate	Credit Score 95% Confidence Interval Upper Bound	Credit Score 95% Confidence Interval Lower Bound
0	683.27181	684.0778	682.4659
0.02040816	672.57726	673.1667	671.9878
0.04081633	662.64594	663.2243	662.0676
0.06122449	653.54962	654.2195	652.8798
0.08163265	645.36582	646.1484	644.5833
0.10204082	637.88008	638.7734	636.9868
0.12244898	631.36536	632.3653	630.3654
0.14285714	625.83027	626.9357	624.7248
0.16326531	620.72663	621.9412	619.5121
0.18367347	616.09028	617.4249	614.7556
0.20408163	611.63562	613.0873	610.1839
0.2244898	607.18218	608.7434	605.6209
0.24489796	603.09576	604.761	601.4305
0.26530612	599.13352	600.8997	597.3674
0.28571429	595.55263	597.4172	593.6881
0.30612245	591.97775	593.9399	590.0156
0.32653061	588.26016	590.3234	586.197
0.34693878	584.37168	586.5293	582.2141
0.36734694	580.78558	583.0349	578.5363
0.3877551	577.5772	579.9122	575.2422
0.40816327	574.54144	576.9626	572.1202
0.42857143	571.64096	574.1437	569.1382
0.44897959	568.69013	571.2783	566.102
0.46938776	565.46565	568.1489	562.7825
0.48979592	562.20019	564.9736	559.4268
0.51020408	558.80854	561.6668	555.9503
0.53061224	555.43745	558.3679	552.507
0.55102041	551.9486	554.9451	548.9521
0.57142857	548.281	551.3414	545.2206
0.59183673	544.77981	547.8995	541.6602
0.6122449	541.4378	544.6132	538.2624
0.63265306	538.12207	541.344	534.9001
0.65306122	535.00663	538.2829	531.7303
0.67346939	532.20881	535.5363	528.8813
0.69387755	529.56105	532.9269	526.1951
0.71428571	526.92944	530.3302	523.5287
0.73469388	524.3991	527.8256	520.9726
0.75510204	522.25221	525.6888	518.8156
0.7755102	519.80533	523.2586	516.3521
0.79591837	517.41686	520.8813	513.9524
0.81632653	515.09731	518.5628	511.6318
0.83673469	512.86765	516.3233	509.412
0.85714286	510.62592	514.0435	507.2083
0.87755102	508.13962	511.5083	504.771
0.89795918	505.4725	508.8835	502.0615
0.91836735	502.58588	506.2039	498.9678
0.93877551	499.16151	503.2664	495.0567
0.95918367	495.0948	500.1689	490.0207
0.97959184	490.74157	497.6112	483.8719
1	485.24536	495.261	475.2297

PCT_BLACK	Replicated Sample AVAILCREDIT Race Penalty (000s) Point Estimate	Replicated Sample AVAILCREDIT Race Penalty (000s) 95% Confidence Interval Upper Bound	Replicated Sample AVAILCREDIT Race Penalty (000s) 95% Confidence Interval Lower Bound
0	0.029975	0.047278	0.013148
0.010101	0.035084	0.055939	0.014862
0.020202	0.040799	0.065739	0.016681
0.030303	0.04776	0.077818	0.018738
0.040404	0.057737	0.095228	0.021674
0.050505	0.075674	0.12673	0.026747
0.060606	0.097801	0.16625	0.031722
0.070707	0.11571	0.19946	0.033865
0.080808	0.13144	0.23075	0.034461
0.090909	0.14591	0.26102	0.03402
0.10101	0.15858	0.28877	0.033549
0.11111	0.17008	0.31518	0.031842
0.12121	0.18015	0.33959	0.027839
0.13131	0.1902	0.36399	0.023621
0.14141	0.20048	0.38848	0.019536
0.15152	0.20993	0.41199	0.014691
0.16162	0.22007	0.43619	0.010436
0.17172	0.22826	0.45801	0.0048164
0.18182	0.23375	0.47669	-0.0036037
0.19192	0.23868	0.49463	-0.012432
0.20202	0.24305	0.51265	-0.021812
0.21212	0.24763	0.53054	-0.03085
0.22222	0.24938	0.54506	-0.041017
0.23232	0.25433	0.56285	-0.048975
0.24242	0.26168	0.58352	-0.055947
0.25253	0.26848	0.60372	-0.063774
0.26263	0.27833	0.62736	-0.068002
0.27273	0.28392	0.64639	-0.077112
0.28283	0.28016	0.65501	-0.095242
0.29293	0.27389	0.66066	-0.1132
0.30303	0.26584	0.66445	-0.13542
0.31313	0.25815	0.66806	-0.15717
0.32323	0.24513	0.66734	-0.18565
0.33333	0.23365	0.66784	-0.21264
0.34343	0.22538	0.67294	-0.23616
0.35354	0.215	0.67642	-0.26212
0.36364	0.21138	0.68637	-0.28059
0.37374	0.20903	0.69846	-0.29718
0.38384	0.20568	0.70887	-0.31452
0.39394	0.19523	0.71221	-0.33956
0.40404	0.17329	0.70491	-0.37296
0.41414	0.15016	0.69708	-0.40814
0.42424	0.12511	0.68079	-0.44841
0.43434	0.10304	0.66768	-0.48834
0.44444	0.077074	0.65651	-0.53274
0.45455	0.055358	0.64911	-0.56935
0.46465	0.043889	0.64898	-0.59305
0.47475	0.038699	0.65559	-0.61081
0.48485	0.04984	0.68053	-0.61395
0.49495	0.061957	0.70743	-0.61713
0.50505	0.066042	0.72522	-0.62787
0.51515	0.064905	0.73778	-0.64306
0.52525	0.047365	0.73146	-0.67278
0.53535	0.0091037	0.70223	-0.72147
0.54545	-0.042654	0.66039	-0.78906
0.55556	-0.087266	0.63068	-0.84954
0.56566	-0.13134	0.60271	-0.90938
0.57576	-0.1729	0.57597	-0.96386
0.58586	-0.2096	0.55438	-1.0145
0.59596	-0.24271	0.53656	-1.0644
0.60606	-0.27079	0.52267	-1.1081
0.61616	-0.29524	0.51331	-1.1464
0.62626	-0.3207	0.50272	-1.1871
0.63636	-0.35651	0.4819	-1.2412
0.64646	-0.38956	0.46313	-1.2857
0.65657	-0.41421	0.45235	-1.3224
0.66667	-0.43336	0.44737	-1.3548
0.67677	-0.4324	0.46132	-1.3684
0.68687	-0.42356	0.48304	-1.3751
0.69697	-0.42542	0.49473	-1.3918
0.70707	-0.44123	0.49346	-1.4216
0.71717	-0.49423	0.45709	-1.486
0.72727	-0.53454	0.43202	-1.5378
0.73737	-0.56976	0.41112	-1.5857
0.74747	-0.62249	0.36576	-1.6513
0.75758	-0.68439	0.31483	-1.7234
0.76768	-0.74227	0.27577	-1.7931
0.77778	-0.809	0.23132	-1.8783
0.78788	-0.87493	0.18572	-1.9653
0.79798	-0.93524	0.13866	-2.046
0.80808	-0.97938	0.10877	-2.1093
0.81818	-1.0148	0.087196	-2.1599
0.82828	-1.0421	0.073176	-2.2001
0.83838	-1.0606	0.066835	-2.2309
0.84848	-1.0826	0.057	-2.2649
0.85859	-1.1118	0.040115	-2.306
0.86869	-1.1625	0.0020882	-2.3676
0.87879	-1.2252	-0.045786	-2.4407
0.88889	-1.2955	-0.10376	-2.5266
0.89899	-1.3798	-0.17694	-2.6339
0.90909	-1.4593	-0.24442	-2.7261
0.91919	-1.5331	-0.30614	-2.8127
0.92929	-1.6032	-0.36352	-2.8972
0.93939	-1.6625	-0.41047	-2.9753
0.94949	-1.7	-0.43627	-3.0266
0.9596	-1.7281	-0.45607	-3.0654
0.9697	-1.7631	-0.48459	-3.1102
0.9798	-1.7894	-0.5042	-3.1447
0.9899	-1.7926	-0.50264	-3.1528
1	-1.7823	-0.48822	-3.1457

PCT_BLACK	Modified Sample with Income AVAILCREDIT Race Penalty (000s) Point Estimate	Modified Sample with Income AVAILCREDIT Race Penalty (000s) 95% Confidence Interval Upper Bound	Modified Sample with Income AVAILCREDIT Race Penalty (000s) 95% Confidence Interval Lower Bound
0	0.0020844	0.013201	-0.0098362
0.010101	0.0012274	0.014617	-0.013238
0.020202	-0.0001896	0.01582	-0.017589
0.030303	-0.0024107	0.017119	-0.023569
0.040404	-0.0060674	0.018686	-0.03287
0.050505	-0.013283	0.021223	-0.05051
0.060606	-0.025374	0.02143	-0.075881
0.070707	-0.039749	0.017757	-0.10213
0.080808	-0.056384	0.01144	-0.13025
0.090909	-0.075153	0.0029124	-0.16019
0.10101	-0.095501	-0.0066385	-0.19138
0.11111	-0.11789	-0.018413	-0.22448
0.12121	-0.14143	-0.032207	-0.2586
0.13131	-0.16522	-0.046149	-0.29308
0.14141	-0.18967	-0.060838	-0.32811
0.15152	-0.21621	-0.077291	-0.3643
0.16162	-0.24427	-0.094892	-0.40179
0.17172	-0.27313	-0.11366	-0.44091
0.18182	-0.29987	-0.13065	-0.4776
0.19192	-0.3246	-0.14611	-0.5121
0.20202	-0.34901	-0.16187	-0.54639
0.21212	-0.37883	-0.18337	-0.58627
0.22222	-0.41189	-0.20809	-0.62892
0.23232	-0.44329	-0.22906	-0.67014
0.24242	-0.47515	-0.2505	-0.71174
0.25253	-0.50971	-0.27452	-0.75588
0.26263	-0.55018	-0.30395	-0.80602
0.27273	-0.59929	-0.34327	-0.86465
0.28283	-0.64874	-0.38449	-0.92286
0.29293	-0.69945	-0.42718	-0.9823
0.30303	-0.74435	-0.46366	-1.0364
0.31313	-0.78441	-0.49522	-1.0857
0.32323	-0.83406	-0.53555	-1.1442
0.33333	-0.88349	-0.57474	-1.2025
0.34343	-0.93042	-0.61174	-1.2586
0.35354	-0.97049	-0.64302	-1.308
0.36364	-1.0061	-0.66982	-1.353
0.37374	-1.0534	-0.70741	-1.4096
0.38384	-1.109	-0.75321	-1.4729
0.39394	-1.1762	-0.81061	-1.5469
0.40404	-1.2405	-0.86965	-1.6187
0.41414	-1.3049	-0.92838	-1.6909
0.42424	-1.3755	-0.99367	-1.77
0.43434	-1.4488	-1.061	-1.8519
0.44444	-1.5195	-1.1226	-1.9319
0.45455	-1.5695	-1.1633	-1.9911
0.46465	-1.6051	-1.1898	-2.036
0.47475	-1.6391	-1.2151	-2.0792
0.48485	-1.6724	-1.2395	-2.1217
0.49495	-1.7137	-1.2717	-2.172
0.50505	-1.76	-1.3088	-2.2275
0.51515	-1.82	-1.3597	-2.2965
0.52525	-1.8785	-1.4096	-2.3639
0.53535	-1.9494	-1.4717	-2.4437
0.54545	-2.0361	-1.5496	-2.5384
0.55556	-2.1332	-1.638	-2.6425
0.56566	-2.2447	-1.7374	-2.7607
0.57576	-2.3407	-1.8268	-2.8642
0.58586	-2.4276	-1.9051	-2.9604
0.59596	-2.5303	-1.9987	-3.0779
0.60606	-2.6248	-2.0842	-3.1814
0.61616	-2.7207	-2.1712	-3.2861
0.62626	-2.8056	-2.2473	-3.3798
0.63636	-2.8697	-2.3026	-3.4529
0.64646	-2.9142	-2.338	-3.5067
0.65657	-2.9486	-2.3634	-3.5504
0.66667	-2.9871	-2.3929	-3.5982
0.67677	-3.0098	-2.4065	-3.6304
0.68687	-3.0366	-2.4239	-3.667
0.69697	-3.1056	-2.4839	-3.7452
0.70707	-3.2096	-2.579	-3.8579
0.71717	-3.3153	-2.6762	-3.9724
0.72727	-3.442	-2.7924	-4.1065
0.73737	-3.5582	-2.8936	-4.2306
0.74747	-3.6776	-3.0009	-4.3582
0.75758	-3.7873	-3.0986	-4.4765
0.76768	-3.9055	-3.2045	-4.6033
0.77778	-4.0039	-3.2912	-4.7108
0.78788	-4.1002	-3.3757	-4.8167
0.79798	-4.1853	-3.4496	-4.911
0.80808	-4.2817	-3.5345	-5.0165
0.81818	-4.3199	-3.5638	-5.0643
0.82828	-4.3706	-3.6053	-5.1243
0.83838	-4.4137	-3.6398	-5.1762
0.84848	-4.461	-3.6784	-5.2323
0.85859	-4.5157	-3.7239	-5.2959
0.86869	-4.5866	-3.7848	-5.3757
0.87879	-4.6533	-3.8413	-5.4517
0.88889	-4.7343	-3.9115	-5.5419
0.89899	-4.8374	-4.0025	-5.6548
0.90909	-4.9699	-4.1217	-5.7973
0.91919	-5.0746	-4.2146	-5.9093
0.92929	-5.2023	-4.3292	-6.0459
0.93939	-5.3342	-4.4478	-6.1867
0.94949	-5.4515	-4.5599	-6.3108
0.9596	-5.5486	-4.6525	-6.4129
0.9697	-5.6322	-4.7274	-6.5007
0.9798	-5.701	-4.7923	-6.573
0.9899	-5.7378	-4.8256	-6.6132
1	-5.7677	-4.8524	-6.646

PCT_BLACK	Replicated Sample LIMIT Race Penalty (000s) Point Estimate	Replicated Sample LIMIT Race Penalty (000s) 95% Confidence Interval Upper Bound	Replicated Sample LIMIT Race Penalty (000s) 95% Confidence Interval Lower Bound
0	0.028177	0.045939	0.011698
0.010101	0.033037	0.0545	0.013202
0.020202	0.038442	0.064172	0.014512
0.030303	0.044964	0.075905	0.016072
0.040404	0.054213	0.092636	0.018126
0.050505	0.070752	0.12294	0.021633
0.060606	0.090685	0.16079	0.024584
0.070707	0.10647	0.19299	0.02505
0.080808	0.12001	0.22169	0.023821
0.090909	0.13226	0.24941	0.021256
0.10101	0.14316	0.27552	0.017587
0.11111	0.15314	0.30071	0.013149
0.12121	0.16226	0.32449	0.0086789
0.13131	0.17082	0.34788	0.0029217
0.14141	0.17863	0.37032	-0.0034166
0.15152	0.18541	0.39159	-0.010692
0.16162	0.19271	0.41338	-0.017188
0.17172	0.19857	0.43393	-0.024443
0.18182	0.20261	0.45246	-0.033132
0.19192	0.20594	0.47011	-0.042301
0.20202	0.20912	0.48759	-0.051582
0.21212	0.21265	0.50555	-0.060676
0.22222	0.21512	0.52257	-0.070785
0.23232	0.21939	0.54042	-0.079412
0.24242	0.22384	0.55838	-0.088031
0.25253	0.22827	0.57642	-0.096938
0.26263	0.23334	0.59518	-0.10499
0.27273	0.23339	0.60791	-0.11748
0.28283	0.22793	0.61437	-0.1348
0.29293	0.22093	0.62025	-0.15324
0.30303	0.21251	0.62469	-0.17302
0.31313	0.20478	0.62997	-0.19227
0.32323	0.19464	0.63302	-0.215
0.33333	0.18449	0.63626	-0.23956
0.34343	0.17348	0.63852	-0.26516
0.35354	0.16352	0.64118	-0.28952
0.36364	0.15758	0.64722	-0.30944
0.37374	0.14886	0.65207	-0.33184
0.38384	0.13935	0.65664	-0.35245
0.39394	0.12575	0.65749	-0.37591
0.40404	0.10535	0.64879	-0.40701
0.41414	0.08335	0.64043	-0.44764
0.42424	0.063496	0.63588	-0.48107
0.43434	0.041869	0.62656	-0.51515
0.44444	0.011026	0.60597	-0.55807
0.45455	-0.014573	0.59406	-0.5956
0.46465	-0.031518	0.59112	-0.62424
0.47475	-0.040586	0.59528	-0.64505
0.48485	-0.041491	0.60747	-0.65839
0.49495	-0.037557	0.62502	-0.66789
0.50505	-0.033088	0.64334	-0.67712
0.51515	-0.031571	0.65864	-0.68895
0.52525	-0.031089	0.67274	-0.70156
0.53535	-0.048132	0.6706	-0.73114
0.54545	-0.080816	0.6534	-0.77534
0.55556	-0.11614	0.63322	-0.82159
0.56566	-0.15339	0.61113	-0.86865
0.57576	-0.18683	0.5933	-0.9086
0.58586	-0.22368	0.57044	-0.95665
0.59596	-0.25792	0.54877	-1.0061
0.60606	-0.29045	0.52719	-1.0537
0.61616	-0.32525	0.50661	-1.1035
0.62626	-0.35022	0.49496	-1.1432
0.63636	-0.37747	0.48045	-1.1849
0.64646	-0.40385	0.46728	-1.2251
0.65657	-0.43672	0.44796	-1.2723
0.66667	-0.4641	0.43456	-1.3141
0.67677	-0.47074	0.44128	-1.3333
0.68687	-0.46313	0.46238	-1.3376
0.69697	-0.45185	0.48724	-1.3381
0.70707	-0.459	0.49441	-1.3588
0.71717	-0.48865	0.47952	-1.4037
0.72727	-0.51093	0.47125	-1.4401
0.73737	-0.53891	0.45684	-1.4821
0.74747	-0.58721	0.42221	-1.5466
0.75758	-0.65976	0.36191	-1.6365
0.76768	-0.72911	0.29691	-1.7207
0.77778	-0.7914	0.24124	-1.8
0.78788	-0.84154	0.2012	-1.8665
0.79798	-0.86889	0.18711	-1.9088
0.80808	-0.8863	0.18396	-1.9409
0.81818	-0.88988	0.19493	-1.9578
0.82828	-0.88576	0.21349	-1.9661
0.83838	-0.89297	0.21916	-1.9856
0.84848	-0.9147	0.20965	-2.0207
0.85859	-0.95814	0.17756	-2.0792
0.86869	-1.0174	0.12958	-2.1562
0.87879	-1.0798	0.088108	-2.2349
0.88889	-1.1476	0.044087	-2.3205
0.89899	-1.2214	-0.0051026	-2.4125
0.90909	-1.2929	-0.054931	-2.5015
0.91919	-1.3556	-0.10299	-2.5812
0.92929	-1.4106	-0.14285	-2.6533
0.93939	-1.4588	-0.17589	-2.7182
0.94949	-1.4964	-0.20166	-2.7688
0.9596	-1.5266	-0.22262	-2.8091
0.9697	-1.5561	-0.24467	-2.8473
0.9798	-1.5758	-0.25795	-2.874
0.9899	-1.5815	-0.25865	-2.8846
1	-1.5802	-0.25288	-2.8873

PCT_BLACK	Modified Sample with Income LIMIT Race Penalty (000s) Point Estimate	Modified Sample with Income LIMIT Race Penalty (000s) 95% Confidence Interval Upper Bound	Modified Sample with Income LIMIT Race Penalty (000s) 95% Confidence Interval Lower Bound
0	-0.035739	-0.019186	-0.052893
0.010101	-0.044174	-0.024177	-0.064927
0.020202	-0.054272	-0.030264	-0.079123
0.030303	-0.067354	-0.038242	-0.097322
0.040404	-0.086955	-0.050308	-0.12446
0.050505	-0.12375	-0.073044	-0.17533
0.060606	-0.17239	-0.10408	-0.24274
0.070707	-0.21806	-0.13385	-0.30471
0.080808	-0.2641	-0.1647	-0.3659
0.090909	-0.31145	-0.19695	-0.42819
0.10101	-0.35895	-0.22979	-0.49011
0.11111	-0.40751	-0.26385	-0.5528
0.12121	-0.45653	-0.29854	-0.61651
0.13131	-0.50607	-0.33358	-0.68099
0.14141	-0.55579	-0.36894	-0.74497
0.15152	-0.60676	-0.4059	-0.80875
0.16162	-0.65874	-0.4434	-0.87401
0.17172	-0.70982	-0.4809	-0.93921
0.18182	-0.75856	-0.51643	-1.002
0.19192	-0.80543	-0.55029	-1.0626
0.20202	-0.85249	-0.58416	-1.1235
0.21212	-0.90357	-0.62196	-1.1889
0.22222	-0.95695	-0.66207	-1.2553
0.23232	-1.0098	-0.70134	-1.3212
0.24242	-1.0628	-0.74084	-1.3871
0.25253	-1.1172	-0.78202	-1.4542
0.26263	-1.1759	-0.82431	-1.5272
0.27273	-1.24	-0.8785	-1.6033
0.28283	-1.3042	-0.92866	-1.6794
0.29293	-1.3688	-0.9781	-1.7557
0.30303	-1.4299	-1.0263	-1.829
0.31313	-1.4874	-1.0698	-1.8992
0.32323	-1.5511	-1.1207	-1.9773
0.33333	-1.6147	-1.1737	-2.0552
0.34343	-1.6774	-1.2242	-2.1325
0.35354	-1.7361	-1.2697	-2.2051
0.36364	-1.791	-1.3116	-2.273
0.37374	-1.8529	-1.3613	-2.3459
0.38384	-1.9196	-1.4156	-2.4226
0.39394	-1.9939	-1.4758	-2.5057
0.40404	-2.0661	-1.5337	-2.5869
0.41414	-2.1395	-1.5951	-2.6698
0.42424	-2.2177	-1.6611	-2.7575
0.43434	-2.2973	-1.7284	-2.8484
0.44444	-2.3753	-1.7926	-2.9379
0.45455	-2.4402	-1.8438	-3.0155
0.46465	-2.495	-1.8853	-3.0831
0.47475	-2.548	-1.9253	-3.1485
0.48485	-2.6006	-1.9649	-3.2137
0.49495	-2.6594	-2.0102	-3.2851
0.50505	-2.7215	-2.0588	-3.3598
0.51515	-2.7919	-2.1154	-3.4458
0.52525	-2.8601	-2.1693	-3.53
0.53535	-2.9372	-2.2335	-3.6187
0.54545	-3.0245	-2.3073	-3.7156
0.55556	-3.118	-2.389	-3.8181
0.56566	-3.2217	-2.4772	-3.9354
0.57576	-3.316	-2.5526	-4.0389
0.58586	-3.4042	-2.623	-4.1368
0.59596	-3.503	-2.7024	-4.2442
0.60606	-3.596	-2.7792	-4.3461
0.61616	-3.6894	-2.8565	-4.4485
0.62626	-3.7755	-2.9271	-4.5457
0.63636	-3.8481	-2.9852	-4.6311
0.64646	-3.9085	-3.032	-4.704
0.65657	-3.9625	-3.0728	-4.77
0.66667	-4.019	-3.1159	-4.8388
0.67677	-4.0654	-3.1498	-4.897
0.68687	-4.1158	-3.1868	-4.9618
0.69697	-4.1922	-3.2484	-5.0493
0.70707	-4.2908	-3.3311	-5.162
0.71717	-4.3893	-3.4173	-5.2744
0.72727	-4.5002	-3.5136	-5.3992
0.73737	-4.6047	-3.599	-5.5177
0.74747	-4.7116	-3.6863	-5.6386
0.75758	-4.8138	-3.7707	-5.7551
0.76768	-4.9213	-3.862	-5.8771
0.77778	-5.0173	-3.9432	-5.9874
0.78788	-5.1135	-4.024	-6.0984
0.79798	-5.2012	-4.0969	-6.1992
0.80808	-5.2958	-4.1768	-6.3052
0.81818	-5.3531	-4.2198	-6.3762
0.82828	-5.4177	-4.2704	-6.4535
0.83838	-5.4758	-4.3152	-6.5241
0.84848	-5.5366	-4.3626	-6.5971
0.85859	-5.6026	-4.415	-6.6751
0.86869	-5.6795	-4.478	-6.7638
0.87879	-5.7549	-4.539	-6.8517
0.88889	-5.8396	-4.6091	-6.9484
0.89899	-5.9397	-4.6949	-7.0602
0.90909	-6.0575	-4.8067	-7.188
0.91919	-6.1573	-4.8918	-7.3012
0.92929	-6.2725	-4.9899	-7.4403
0.93939	-6.3902	-5.0983	-7.5803
0.94949	-6.4915	-5.1912	-7.6972
0.9596	-6.5733	-5.2624	-7.7884
0.9697	-6.6432	-5.3234	-7.8662
0.9798	-6.7011	-5.3737	-7.9307
0.9899	-6.7369	-5.4037	-7.9717
1	-6.7666	-5.4285	-8.0059

Figure 5 is entitled "Example of Instrument Creation for a Borrower Living in Boston." This figure is centered around the geographic location of a hypothetical borrower living in Boston (whose location is depicted by a house shape). A circle with a 1-mile radius is depicted, and within this circle fall 16 internal points from the Census Bureau. Each of these points is labeled with a black dot signifying that the point was included in the calculation of mean income.

The figure also shows a larger circle, again centered around the same point representing the geographic location of the hypothetical borrower, with a radius of four miles. Points with this circle, but outside of the inner circle with 1-mile radius, are labeled as blue dots or blue crosses. These points (whether dots or crosses correspond to block groups whose internal points fall within the 1 to 4 miles of the hypothetical borrower. There are 37 blue dots, signifying that these block groups were included in the calculation of GTagginc4, meaning that their mean income was greater than or equal to the mean income of the points in the inner circle. There are 416 blue crosses, signifying census block groups that were within 1-4 miles of the borrower but that were excluded from the calculation of GTagginc4 because the mean income of each of these block groups is above the mean income of innermost circle.

Finally, a wider circle is shown that is centered around the same borrower but with a radius of 40 miles. Internal points for block groups within this circle (but outside of the two inner circles describe above) are depicted as red dots or crosses. There are 195 red dots indicating that these block groups were included in the calculation of GTagginc20 and 1,625 red crosses indicating that these block groups were excluded from the calculation of GTagginc20.

Mean Neighborhood Income (in thousands of dollars)	Instrument Value (in thousands of dollars) GTagginc4	Instrument Value (in thousands of dollars) GTagginc20
0	24	30
1	24	30
2	24	30
3	24	30
4	24	30
5	24	30
6	24	30
7	24	30
8	24	30
9	25	30
10	25	30
11	26	30
12	27	31
13	28	31
14	29	31
15	30	31
16	31	32
17	32	32
18	34	32
19	34	33
20	35	33
21	36	34
22	38	35
23	39	35
24	40	36
25	41	37
26	42	38
27	43	39
28	44	40
29	46	41
30	47	43
31	48	44
32	48	45
33	49	46
34	50	47
35	52	48
36	52	49
37	53	50
38	54	51
39	56	53
40	56	53
41	58	55
42	58	56
43	60	57
44	61	58
45	62	58
46	64	59
47	64	60
48	66	61
49	67	62
50	67	63
51	68	64
52	69	65
53	69	66
54	69	66
55	69	67
56	71	68
57	74	69
58	74	70
59	78	72
60	78	73
61	78	74
62	78	75
63	79	76
64	79	76
65	80	78
66	81	79
67	82	79
68	82	80
69	82	82
70	83	82
71	84	83
72	87	85
73	87	86
74	87	87
75	87	88
76	89	88
77	89	91
78	91	91
79	92	92
80	92	93
81	96	93
82	96	96
83	99	98
84	99	98
85	104	99
86	104	102
87	104	102
88	104	102
89	104	102
90	108	102
91	108	102
92	108	102
93	108	105
94	108	105
95	110	105
96	110	105
97	110	107
98	119	107
99	119	107
100	119	107
101	119	109
102	119	117
103	119	117
104	119	117
105	119	117
106	119	117
107	119	117
108	119	117
109	119	117
110	119	117
111	119	117
112	119	117
113	119	123
114	119	123
115	119	123
116	119	123
117	119	123
118	119	123
119		123
120		123
121		123
122		123
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150

Figure 7 is entitled "Cohen-Cole's (2008) Figure 2 and My Replication." Panel A of this figure is entitled "Reproduced Graph from Cohen-Cole (2008)." This figure shows a graph with credit score on the x-axis and available credit given on the y-axis. The scale of the x-axis runs from 300 to 894. The scale of the y-axis runs from 0 to 180. The graph shows two lines, labeled "white" and "black". The white line, which starts at roughly 45 at a credit score of 300 increases almost linearly (though it is slightly convex) reaching a level of approximately 155 at the highest credit score. The black line begins at around 50 and increases at a slower rate initially, though with a much more pronounced convex shape, and reaches a level of around 105 at the highest credit score. These two curves intersect at a credit score of approximately 320 where the level of available credit is slightly higher than 50.

Panel B of this graph is entitled "Replicated Graph." This graph shows credit score on the x-axis and credit limit (expressed in thousands) on the y-axis. The x-axis runs from 200 to 1000, though the lines depicted only cover scores from 270 to 912. The y-axis covers values from -20 to 70. The graph shows two lines, one labeled "All Black Neighborhood" and the other labeled "All White Neighborhood." The line for the all black neighborhood, which has a constant slope, starts from 28.7 at the lowest credit score level and increases to about 32.4 at the highest credit score level. The all white neighborhood line runs from -11.4 to 64.0. The two curves intersect at a credit score of approximately 629 and a credit limit of 30.8.

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