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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 Figures 3.A-3.C


Figure 3.A. TransRisk Score: Cumulative Percentage, by Demographic Group

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



Figure 3.A. 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 3.A. 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 3.A. 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 3.A. 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 3.A. 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 3.A. 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 3.B. VantageScore: Cumulative Percentage, by Demographic Group

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



Figure 3.B. VantageScore: Cumulative Percentage, by Demographic Group
Race or ethnicity (SSA data)
Percent
Score Non-
Hispanic
white
Black Hispanic Asian
0 1.21 6.03 2.46 0.73
0.5 1.30 6.46 2.64 0.77
1 1.41 6.91 2.81 0.80
1.5 1.51 7.41 3.01 0.91
2 1.69 8.14 3.30 1.05
2.5 1.83 8.71 3.56 1.14
3 2.24 10.76 4.42 1.34
3.5 2.48 11.87 4.94 1.53
4 2.94 13.76 5.96 1.94
4.5 3.33 15.38 6.68 2.07
5 3.75 17.08 7.59 2.33
5.5 4.07 18.36 8.21 2.48
6 4.50 20.15 8.95 2.78
6.5 4.78 21.07 9.42 2.96
7 5.25 22.74 10.45 3.36
7.5 5.62 24.06 11.26 3.58
8 6.09 25.77 12.27 3.87
8.5 6.32 26.66 12.77 4.00
9 6.81 28.18 13.79 4.45
9.5 7.25 29.43 14.50 4.69
10 7.83 31.37 15.73 5.12
10.5 8.12 32.23 16.24 5.32
11 8.67 34.01 17.35 5.60
11.5 8.95 34.89 17.83 5.81
12 9.34 36.08 18.57 6.24
12.5 9.60 36.91 19.00 6.44
13 10.00 38.19 19.77 6.81
13.5 10.30 38.95 20.30 7.03
14 10.87 40.54 21.41 7.45
14.5 11.17 41.30 21.96 7.63
15 11.63 42.42 22.84 7.97
15.5 11.94 43.13 23.41 8.21
16 12.53 44.77 24.52 8.73
16.5 12.86 45.61 25.00 9.03
17 13.33 46.71 25.76 9.42
17.5 13.63 47.42 26.27 9.78
18 14.13 48.42 27.09 10.23
18.5 14.43 49.21 27.57 10.53
19 15.10 50.64 28.84 11.05
19.5 15.47 51.45 29.33 11.31
20 16.03 52.40 30.17 11.73
20.5 16.34 53.10 30.69 12.07
21 16.82 54.20 31.56 12.43
21.5 17.20 54.88 32.11 12.67
22 17.73 55.79 33.00 13.14
22.5 18.08 56.38 33.55 13.41
23 18.59 57.29 34.42 13.99
23.5 18.94 57.87 35.09 14.28
24 19.47 58.95 35.97 14.80
24.5 19.86 59.58 36.75 15.21
25 20.41 60.54 37.65 15.64
25.5 20.76 61.10 38.26 16.07
26 21.28 62.00 39.18 16.59
26.5 21.67 62.61 39.86 16.94
27 22.20 63.41 40.73 17.43
27.5 22.55 64.00 41.26 17.78
28 23.09 64.91 42.18 18.31
28.5 23.58 65.64 42.91 18.76
29 24.13 66.36 43.79 19.24
29.5 24.51 66.76 44.43 19.61
30 25.11 67.42 45.26 20.26
30.5 25.50 67.95 45.75 20.67
31 25.86 68.48 46.36 21.13
31.5 26.28 68.91 47.00 21.62
32 26.87 69.63 47.82 22.23
32.5 27.24 69.99 48.27 22.63
33 27.91 70.75 49.20 23.20
33.5 28.39 71.30 49.72 23.66
34 28.82 71.83 50.21 24.17
34.5 29.26 72.34 50.82 24.57
35 29.93 72.99 51.68 25.35
35.5 30.37 73.45 52.31 25.76
36 30.80 73.96 52.84 26.11
36.5 31.25 74.39 53.37 26.49
37 31.89 75.01 54.26 27.32
37.5 32.10 75.19 54.51 27.61
38 32.75 75.77 55.35 28.48
38.5 33.19 76.08 55.93 29.07
39 33.64 76.48 56.40 29.54
39.5 34.05 76.89 56.87 29.91
40 34.66 77.51 57.61 30.69
40.5 35.09 77.91 58.17 31.27
41 35.52 78.35 58.72 31.88
41.5 35.97 78.67 59.26 32.44
42 36.60 79.14 60.02 33.16
42.5 36.81 79.29 60.31 33.43
43 37.41 79.80 61.08 34.22
43.5 37.82 80.09 61.57 34.79
44 38.22 80.45 62.02 35.33
44.5 38.79 80.99 62.79 35.94
45 39.40 81.47 63.51 36.60
45.5 39.64 81.63 63.74 36.86
46 40.29 82.04 64.52 37.67
46.5 40.70 82.32 65.03 38.32
47 41.11 82.60 65.61 38.92
47.5 41.56 82.87 66.02 39.53
48 42.13 83.23 66.54 40.18
48.5 42.53 83.49 66.90 40.89
49 43.17 83.91 67.68 41.50
49.5 43.38 84.01 67.86 41.77
50 43.99 84.31 68.44 42.44
50.5 44.40 84.53 68.82 42.96
51 45.00 84.90 69.39 43.85
51.5 45.40 85.17 69.85 44.47
52 46.00 85.49 70.43 45.37
52.5 46.23 85.63 70.66 45.64
53 46.84 86.00 71.32 46.33
53.5 47.24 86.25 71.68 46.85
54 47.86 86.57 72.24 47.59
54.5 48.28 86.76 72.63 48.16
55 48.92 87.07 73.31 49.00
55.5 49.14 87.17 73.52 49.29
56 49.73 87.46 74.10 49.98
56.5 50.13 87.70 74.50 50.38
57 50.54 87.93 74.89 50.96
57.5 50.96 88.15 75.28 51.55
58 51.37 88.40 75.68 52.11
58.5 51.84 88.65 76.15 52.71
59 52.52 88.94 76.80 53.49
59.5 52.76 89.05 77.03 53.74
60 53.43 89.32 77.58 54.50
60.5 53.66 89.44 77.75 54.80
61 54.34 89.77 78.32 55.30
61.5 54.56 89.91 78.50 55.63
62 55.28 90.17 79.08 56.53
62.5 55.52 90.31 79.29 56.78
63 56.27 90.59 79.76 57.61
63.5 56.53 90.72 80.00 57.99
64 57.29 91.02 80.62 58.85
64.5 57.56 91.10 80.83 59.11
65 58.35 91.36 81.36 59.87
65.5 58.60 91.46 81.52 60.11
66 59.13 91.66 81.94 60.78
66.5 59.68 91.83 82.31 61.42
67 60.24 91.99 82.74 62.11
67.5 60.82 92.19 83.15 62.90
68 61.41 92.36 83.57 63.51
68.5 62.00 92.52 83.92 64.23
69 62.60 92.72 84.31 64.84
69.5 62.90 92.79 84.47 65.09
70 63.54 93.00 84.77 65.77
70.5 64.16 93.20 85.08 66.64
71 64.77 93.40 85.49 67.37
71.5 65.10 93.51 85.66 67.66
72 65.78 93.66 86.13 68.19
72.5 66.10 93.74 86.36 68.52
73 66.77 93.89 86.70 69.21
73.5 67.14 93.98 86.90 69.61
74 67.99 94.19 87.45 70.55
74.5 68.67 94.39 87.81 71.30
75 69.03 94.45 87.96 71.72
75.5 69.76 94.66 88.35 72.37
76 70.49 94.84 88.75 73.24
76.5 70.86 94.96 88.92 73.63
77 71.63 95.12 89.29 74.35
77.5 72.00 95.21 89.48 74.70
78 72.81 95.40 89.85 75.45
78.5 73.18 95.45 90.02 75.78
79 73.98 95.64 90.45 76.48
79.5 74.81 95.82 90.88 77.29
80 75.24 95.92 91.06 77.61
80.5 76.12 96.10 91.47 78.43
81 76.54 96.17 91.62 78.99
81.5 77.38 96.29 91.95 79.74
82 77.79 96.38 92.13 80.11
82.5 78.63 96.51 92.42 80.73
83 79.03 96.58 92.55 81.05
83.5 79.84 96.70 92.89 81.78
84 80.28 96.78 93.08 82.04
84.5 81.06 96.90 93.35 82.63
85 81.49 97.00 93.49 82.94
85.5 82.33 97.16 93.80 83.49
86 83.19 97.28 94.14 84.17
86.5 83.59 97.36 94.33 84.50
87 84.40 97.47 94.63 85.18
87.5 84.80 97.55 94.76 85.47
88 85.58 97.67 95.05 86.18
88.5 85.97 97.75 95.15 86.51
89 86.65 97.88 95.40 87.11
89.5 87.40 97.98 95.64 87.71
90 88.14 98.04 95.93 88.32
90.5 88.89 98.17 96.15 88.76
91 89.54 98.28 96.34 89.37
91.5 90.15 98.42 96.56 89.94
92 90.99 98.56 96.85 90.73
92.5 91.49 98.66 97.07 91.07
93 92.25 98.79 97.38 91.59
93.5 92.70 98.84 97.51 92.04
94 93.12 98.92 97.68 92.44
94.5 93.53 98.99 97.82 92.79
95 94.26 99.11 98.13 93.59
95.5 94.90 99.22 98.39 94.21
96 95.61 99.32 98.61 94.95
96.5 96.12 99.39 98.77 95.54
97 96.77 99.50 98.99 96.23
97.5 97.20 99.57 99.13 96.64
98 97.84 99.67 99.32 97.21
98.5 98.21 99.75 99.45 97.70
99 98.58 99.80 99.56 98.16
99.5 98.80 99.83 99.62 98.39
100 100.00 100.00 100.00 100.00

Figure 3.B. VantageScore: Cumulative Percentage, by Demographic Group
Race or ethnicity (location-based distribution)
Percent
Score Non-
Hispanic
white
Black Hispanic Asian
0 1.42 3.79 2.30 1.39
0.5 1.53 4.04 2.46 1.49
1 1.65 4.28 2.63 1.63
1.5 1.76 4.60 2.84 1.77
2 1.96 5.07 3.18 2.00
2.5 2.11 5.43 3.43 2.14
3 2.58 6.71 4.26 2.64
3.5 2.86 7.41 4.72 2.90
4 3.36 8.73 5.61 3.43
4.5 3.79 9.76 6.26 3.78
5 4.26 10.90 7.04 4.27
5.5 4.62 11.77 7.60 4.60
6 5.09 12.94 8.38 5.08
6.5 5.40 13.55 8.85 5.35
7 5.92 14.74 9.70 5.92
7.5 6.34 15.58 10.34 6.31
8 6.87 16.74 11.19 6.82
8.5 7.13 17.33 11.60 7.07
9 7.66 18.47 12.43 7.58
9.5 8.12 19.31 13.09 8.03
10 8.77 20.72 14.16 8.67
10.5 9.07 21.32 14.65 8.99
11 9.70 22.59 15.64 9.57
11.5 10.00 23.19 16.08 9.86
12 10.43 24.07 16.73 10.30
12.5 10.72 24.64 17.12 10.58
13 11.16 25.61 17.81 11.04
13.5 11.48 26.18 18.26 11.31
14 12.10 27.35 19.19 11.94
14.5 12.41 27.84 19.66 12.28
15 12.89 28.67 20.38 12.76
15.5 13.22 29.17 20.85 13.11
16 13.86 30.33 21.74 13.72
16.5 14.18 30.94 22.21 14.05
17 14.67 31.75 22.91 14.52
17.5 14.99 32.25 23.37 14.86
18 15.50 33.05 24.05 15.33
18.5 15.82 33.56 24.48 15.64
19 16.51 34.63 25.46 16.23
19.5 16.88 35.21 25.91 16.56
20 17.44 35.96 26.61 17.06
20.5 17.77 36.49 27.06 17.39
21 18.27 37.35 27.74 17.93
21.5 18.65 37.87 28.20 18.23
22 19.17 38.68 28.96 18.71
22.5 19.52 39.14 29.45 19.06
23 20.05 39.89 30.20 19.59
23.5 20.40 40.43 30.74 19.97
24 20.96 41.29 31.48 20.53
24.5 21.36 41.85 32.03 20.95
25 21.91 42.64 32.75 21.44
25.5 22.26 43.09 33.25 21.80
26 22.78 43.87 34.02 22.38
26.5 23.17 44.42 34.62 22.79
27 23.71 45.09 35.31 23.35
27.5 24.08 45.53 35.78 23.76
28 24.63 46.32 36.54 24.28
28.5 25.13 46.96 37.21 24.80
29 25.68 47.65 37.96 25.32
29.5 26.05 48.09 38.46 25.76
30 26.64 48.77 39.17 26.33
30.5 27.05 49.23 39.63 26.77
31 27.42 49.68 40.15 27.18
31.5 27.84 50.15 40.70 27.65
32 28.44 50.81 41.44 28.29
32.5 28.80 51.21 41.82 28.62
33 29.46 52.02 42.67 29.34
33.5 29.93 52.54 43.20 29.80
34 30.37 53.02 43.75 30.21
34.5 30.83 53.52 44.27 30.67
35 31.51 54.21 45.03 31.32
35.5 31.96 54.66 45.56 31.76
36 32.40 55.21 46.05 32.20
36.5 32.85 55.70 46.56 32.68
37 33.51 56.42 47.36 33.34
37.5 33.74 56.63 47.56 33.56
38 34.42 57.28 48.30 34.32
38.5 34.86 57.71 48.86 34.91
39 35.32 58.16 49.31 35.31
39.5 35.73 58.56 49.81 35.72
40 36.38 59.19 50.55 36.40
40.5 36.82 59.67 51.02 36.91
41 37.28 60.14 51.56 37.37
41.5 37.74 60.54 52.09 37.86
42 38.40 61.18 52.84 38.55
42.5 38.62 61.38 53.10 38.74
43 39.26 61.93 53.79 39.40
43.5 39.70 62.33 54.28 39.84
44 40.12 62.73 54.78 40.34
44.5 40.72 63.39 55.54 41.05
45 41.39 64.01 56.26 41.72
45.5 41.63 64.23 56.50 42.00
46 42.33 64.81 57.26 42.75
46.5 42.79 65.22 57.77 43.26
47 43.25 65.63 58.25 43.82
47.5 43.72 66.04 58.73 44.37
48 44.31 66.54 59.29 44.98
48.5 44.76 66.95 59.75 45.46
49 45.42 67.56 60.46 46.23
49.5 45.65 67.71 60.64 46.44
50 46.29 68.25 61.31 47.11
50.5 46.73 68.61 61.71 47.59
51 47.36 69.15 62.35 48.31
51.5 47.79 69.53 62.83 48.76
52 48.43 70.07 63.42 49.41
52.5 48.67 70.29 63.68 49.66
53 49.32 70.93 64.35 50.39
53.5 49.74 71.33 64.82 50.86
54 50.40 71.82 65.44 51.60
54.5 50.85 72.20 65.89 52.11
55 51.56 72.74 66.57 52.91
55.5 51.80 72.92 66.80 53.18
56 52.48 73.50 67.43 53.85
56.5 52.92 73.88 67.89 54.31
57 53.36 74.25 68.30 54.77
57.5 53.83 74.62 68.76 55.32
58 54.29 75.03 69.18 55.87
58.5 54.79 75.39 69.66 56.36
59 55.52 75.96 70.35 57.11
59.5 55.79 76.15 70.62 57.39
60 56.54 76.69 71.27 58.14
60.5 56.80 76.88 71.49 58.44
61 57.53 77.39 72.15 59.15
61.5 57.78 77.56 72.37 59.41
62 58.57 78.08 73.06 60.24
62.5 58.82 78.28 73.27 60.51
63 59.64 78.85 73.91 61.32
63.5 59.92 79.03 74.17 61.67
64 60.74 79.58 74.84 62.54
64.5 61.02 79.76 75.08 62.79
65 61.86 80.31 75.72 63.56
65.5 62.14 80.51 75.95 63.82
66 62.69 80.91 76.36 64.34
66.5 63.25 81.26 76.79 64.86
67 63.82 81.60 77.23 65.40
67.5 64.42 81.99 77.66 66.03
68 65.01 82.40 78.10 66.60
68.5 65.60 82.76 78.57 67.14
69 66.19 83.12 79.04 67.72
69.5 66.49 83.31 79.23 67.98
70 67.11 83.69 79.63 68.57
70.5 67.71 84.08 80.07 69.20
71 68.33 84.43 80.53 69.77
71.5 68.64 84.62 80.76 70.05
72 69.29 84.97 81.21 70.63
72.5 69.59 85.17 81.44 70.91
73 70.21 85.54 81.88 71.48
73.5 70.56 85.75 82.11 71.80
74 71.35 86.21 82.69 72.63
74.5 71.98 86.61 83.14 73.23
75 72.31 86.78 83.38 73.49
75.5 72.98 87.18 83.89 74.08
76 73.65 87.53 84.36 74.69
76.5 74.00 87.72 84.59 75.02
77 74.70 88.08 85.04 75.63
77.5 75.05 88.27 85.28 75.93
78 75.78 88.67 85.79 76.57
78.5 76.12 88.83 86.01 76.84
79 76.86 89.21 86.49 77.48
79.5 77.61 89.61 87.01 78.14
80 78.00 89.83 87.24 78.46
80.5 78.82 90.27 87.79 79.10
81 79.20 90.48 88.00 79.42
81.5 79.95 90.85 88.44 80.03
82 80.33 91.03 88.65 80.32
82.5 81.09 91.38 89.04 80.93
83 81.44 91.57 89.27 81.24
83.5 82.17 91.92 89.74 81.91
84 82.56 92.08 90.00 82.16
84.5 83.26 92.41 90.42 82.77
85 83.63 92.61 90.64 83.12
85.5 84.38 92.98 91.07 83.74
86 85.13 93.35 91.51 84.43
86.5 85.49 93.54 91.74 84.75
87 86.21 93.87 92.15 85.38
87.5 86.57 94.04 92.33 85.67
88 87.26 94.35 92.72 86.31
88.5 87.60 94.51 92.93 86.60
89 88.21 94.83 93.29 87.12
89.5 88.87 95.12 93.66 87.70
90 89.52 95.37 94.04 88.31
90.5 90.17 95.67 94.39 88.88
91 90.73 95.94 94.71 89.44
91.5 91.27 96.21 95.02 90.00
92 92.02 96.55 95.45 90.71
92.5 92.47 96.79 95.74 91.10
93 93.14 97.10 96.11 91.71
93.5 93.53 97.28 96.35 92.09
94 93.90 97.44 96.58 92.49
94.5 94.25 97.62 96.77 92.86
95 94.90 97.92 97.16 93.57
95.5 95.46 98.19 97.47 94.17
96 96.09 98.46 97.87 94.84
96.5 96.54 98.64 98.15 95.41
97 97.12 98.88 98.49 96.09
97.5 97.50 99.04 98.71 96.56
98 98.05 99.27 99.00 97.22
98.5 98.39 99.42 99.17 97.66
99 98.72 99.54 99.35 98.12
99.5 98.91 99.62 99.46 98.40
100 100.00 100.00 100.00 100.00

Figure 3.B. VantageScore: Cumulative Percentage, by Demographic Group
Sex
Percent
Score Male Female
0 1.76 1.86
0.5 1.90 1.99
1 2.05 2.13
1.5 2.19 2.28
2 2.44 2.53
2.5 2.62 2.73
3 3.24 3.33
3.5 3.58 3.70
4 4.24 4.35
4.5 4.78 4.88
5 5.36 5.48
5.5 5.82 5.90
6 6.42 6.48
6.5 6.80 6.81
7 7.44 7.45
7.5 7.94 7.94
8 8.55 8.59
8.5 8.89 8.90
9 9.60 9.48
9.5 10.14 10.02
10 10.99 10.74
10.5 11.36 11.09
11 12.12 11.78
11.5 12.49 12.13
12 13.02 12.62
12.5 13.37 12.94
13 13.89 13.47
13.5 14.27 13.82
14 15.02 14.52
14.5 15.40 14.88
15 15.94 15.46
15.5 16.32 15.82
16 17.05 16.60
16.5 17.44 16.99
17 18.00 17.56
17.5 18.36 17.93
18 18.96 18.48
18.5 19.33 18.84
19 20.14 19.62
19.5 20.57 20.04
20 21.20 20.66
20.5 21.59 21.02
21 22.20 21.56
21.5 22.60 22.00
22 23.21 22.58
22.5 23.60 22.97
23 24.23 23.51
23.5 24.65 23.91
24 25.31 24.50
24.5 25.74 24.96
25 26.37 25.56
25.5 26.76 25.96
26 27.36 26.55
26.5 27.81 26.98
27 28.38 27.56
27.5 28.79 27.95
28 29.43 28.54
28.5 29.98 29.08
29 30.57 29.68
29.5 30.98 30.08
30 31.60 30.72
30.5 32.01 31.15
31 32.42 31.54
31.5 32.90 31.95
32 33.55 32.57
32.5 33.94 32.93
33 34.65 33.61
33.5 35.15 34.09
34 35.60 34.54
34.5 36.07 34.98
35 36.75 35.68
35.5 37.23 36.10
36 37.67 36.56
36.5 38.13 37.00
37 38.82 37.65
37.5 39.05 37.85
38 39.74 38.51
38.5 40.17 38.98
39 40.58 39.44
39.5 41.01 39.85
40 41.63 40.49
40.5 42.08 40.93
41 42.52 41.38
41.5 42.98 41.81
42 43.64 42.42
42.5 43.86 42.62
43 44.47 43.24
43.5 44.88 43.65
44 45.30 44.04
44.5 45.89 44.62
45 46.48 45.25
45.5 46.70 45.49
46 47.36 46.12
46.5 47.80 46.51
47 48.24 46.92
47.5 48.68 47.34
48 49.27 47.86
48.5 49.65 48.27
49 50.27 48.89
49.5 50.47 49.09
50 51.05 49.67
50.5 51.47 50.04
51 52.04 50.64
51.5 52.45 51.04
52 53.03 51.61
52.5 53.26 51.83
53 53.87 52.41
53.5 54.28 52.77
54 54.89 53.35
54.5 55.29 53.76
55 55.93 54.35
55.5 56.14 54.56
56 56.68 55.14
56.5 57.06 55.54
57 57.48 55.90
57.5 57.90 56.30
58 58.31 56.69
58.5 58.76 57.13
59 59.41 57.76
59.5 59.64 57.98
60 60.26 58.59
60.5 60.48 58.81
61 61.10 59.44
61.5 61.33 59.64
62 61.98 60.32
62.5 62.18 60.56
63 62.82 61.29
63.5 63.08 61.52
64 63.78 62.25
64.5 64.02 62.49
65 64.72 63.20
65.5 64.96 63.44
66 65.45 63.92
66.5 65.96 64.42
67 66.51 64.90
67.5 67.03 65.46
68 67.59 65.97
68.5 68.11 66.50
69 68.64 67.05
69.5 68.90 67.32
70 69.44 67.90
70.5 69.98 68.48
71 70.54 69.04
71.5 70.82 69.34
72 71.44 69.91
72.5 71.71 70.20
73 72.27 70.81
73.5 72.62 71.11
74 73.39 71.87
74.5 73.95 72.50
75 74.24 72.84
75.5 74.87 73.49
76 75.46 74.19
76.5 75.79 74.52
77 76.41 75.23
77.5 76.69 75.58
78 77.36 76.32
78.5 77.69 76.63
79 78.40 77.31
79.5 79.07 78.10
80 79.41 78.49
80.5 80.11 79.29
81 80.47 79.65
81.5 81.14 80.42
82 81.50 80.76
82.5 82.19 81.48
83 82.49 81.85
83.5 83.15 82.59
84 83.50 82.96
84.5 84.12 83.65
85 84.47 84.03
85.5 85.10 84.80
86 85.77 85.57
86.5 86.08 85.94
87 86.69 86.69
87.5 87.01 87.05
88 87.61 87.76
88.5 87.92 88.10
89 88.50 88.69
89.5 89.10 89.34
90 89.69 89.99
90.5 90.27 90.66
91 90.80 91.21
91.5 91.32 91.73
92 92.00 92.48
92.5 92.43 92.92
93 93.05 93.58
93.5 93.44 93.95
94 93.80 94.31
94.5 94.16 94.64
95 94.81 95.26
95.5 95.34 95.82
96 95.96 96.42
96.5 96.42 96.84
97 97.00 97.37
97.5 97.39 97.74
98 97.93 98.27
98.5 98.28 98.58
99 98.64 98.87
99.5 98.84 99.04
100 100.00 100.00

Figure 3.B. VantageScore: Cumulative Percentage, by Demographic Group
Age (years)
Percent
Score Younger
than 30
30-39 40-49 50-61 62 or
older
0 3.94 2.72 1.76 0.95 0.29
0.5 4.17 2.94 1.91 1.02 0.31
1 4.49 3.19 2.03 1.10 0.33
1.5 4.80 3.41 2.16 1.19 0.35
2 5.31 3.80 2.39 1.34 0.39
2.5 5.68 4.09 2.56 1.47 0.44
3 6.92 4.99 3.20 1.78 0.58
3.5 7.70 5.52 3.55 1.96 0.64
4 9.02 6.51 4.23 2.30 0.78
4.5 10.06 7.37 4.72 2.60 0.89
5 11.27 8.22 5.32 2.96 1.00
5.5 12.07 8.87 5.78 3.23 1.12
6 13.11 9.81 6.37 3.61 1.25
6.5 13.75 10.29 6.74 3.88 1.35
7 14.82 11.23 7.45 4.29 1.55
7.5 15.64 11.97 8.01 4.62 1.67
8 16.65 12.94 8.72 5.04 1.84
8.5 17.16 13.44 9.08 5.24 1.94
9 18.21 14.40 9.75 5.69 2.14
9.5 19.06 15.18 10.39 6.06 2.30
10 20.51 16.37 11.13 6.58 2.52
10.5 21.11 16.87 11.54 6.82 2.64
11 22.30 17.88 12.35 7.35 2.87
11.5 22.86 18.35 12.75 7.65 2.99
12 23.63 19.06 13.30 8.04 3.17
12.5 24.09 19.58 13.71 8.27 3.28
13 24.94 20.37 14.21 8.68 3.46
13.5 25.59 20.88 14.55 8.95 3.59
14 26.81 21.87 15.31 9.49 3.85
14.5 27.46 22.39 15.72 9.76 3.93
15 28.48 23.12 16.28 10.18 4.13
15.5 29.09 23.67 16.68 10.43 4.24
16 30.28 24.73 17.50 10.99 4.50
16.5 30.89 25.24 17.91 11.29 4.69
17 31.76 25.97 18.50 11.78 4.90
17.5 32.38 26.45 18.89 12.09 5.02
18 33.26 27.28 19.49 12.55 5.22
18.5 33.83 27.76 19.90 12.84 5.35
19 35.14 28.73 20.81 13.45 5.66
19.5 35.84 29.28 21.29 13.74 5.82
20 36.81 30.06 21.90 14.33 6.11
20.5 37.32 30.55 22.31 14.67 6.27
21 38.23 31.29 22.95 15.10 6.52
21.5 38.89 31.82 23.45 15.44 6.66
22 39.74 32.57 24.13 15.95 6.90
22.5 40.30 33.09 24.55 16.27 7.07
23 41.21 33.85 25.20 16.74 7.31
23.5 41.82 34.35 25.64 17.07 7.53
24 42.74 35.21 26.26 17.59 7.83
24.5 43.34 35.78 26.72 18.01 8.06
25 44.22 36.59 27.35 18.55 8.34
25.5 44.79 37.06 27.78 18.90 8.54
26 45.76 37.73 28.38 19.40 8.88
26.5 46.43 38.28 28.88 19.77 9.06
27 47.35 38.99 29.53 20.18 9.34
27.5 48.06 39.43 29.95 20.50 9.50
28 49.04 40.17 30.57 21.04 9.82
28.5 49.86 40.84 31.17 21.50 10.07
29 50.79 41.51 31.80 22.05 10.33
29.5 51.47 42.02 32.21 22.35 10.55
30 52.51 42.71 32.82 22.90 10.90
30.5 53.22 43.18 33.24 23.27 11.12
31 53.84 43.71 33.60 23.62 11.33
31.5 54.59 44.19 34.04 24.02 11.56
32 55.53 44.93 34.65 24.67 11.87
32.5 55.94 45.30 35.07 25.13 12.09
33 57.05 46.10 35.77 25.76 12.46
33.5 58.11 46.59 36.21 26.10 12.71
34 58.83 47.07 36.67 26.51 12.94
34.5 59.63 47.54 37.13 26.91 13.18
35 60.73 48.30 37.84 27.53 13.54
35.5 61.42 48.79 38.31 27.93 13.81
36 62.06 49.29 38.81 28.33 14.04
36.5 62.80 49.82 39.24 28.73 14.29
37 63.81 50.51 39.95 29.34 14.71
37.5 64.10 50.76 40.19 29.56 14.82
38 65.09 51.54 40.89 30.20 15.16
38.5 65.71 52.07 41.32 30.63 15.42
39 66.37 52.58 41.74 31.09 15.65
39.5 66.97 53.01 42.16 31.49 15.93
40 67.83 53.69 42.79 32.12 16.34
40.5 68.39 54.19 43.27 32.54 16.63
41 69.00 54.75 43.71 32.95 16.89
41.5 69.56 55.29 44.17 33.35 17.18
42 70.49 55.94 44.83 33.91 17.64
42.5 70.72 56.20 45.04 34.11 17.81
43 71.55 56.83 45.74 34.66 18.22
43.5 72.03 57.25 46.15 35.11 18.53
44 72.53 57.69 46.58 35.52 18.79
44.5 73.12 58.24 47.15 36.15 19.37
45 73.99 58.89 47.77 36.75 19.78
45.5 74.31 59.15 48.00 36.96 19.92
46 75.12 59.83 48.65 37.58 20.43
46.5 75.65 60.29 49.08 37.97 20.73
47 76.18 60.76 49.49 38.39 21.04
47.5 76.71 61.27 49.91 38.80 21.35
48 77.27 61.92 50.51 39.38 21.74
48.5 77.76 62.31 50.90 39.77 22.07
49 78.62 62.95 51.51 40.40 22.50
49.5 78.90 63.15 51.71 40.62 22.63
50 79.64 63.73 52.32 41.27 22.99
50.5 80.11 64.15 52.72 41.65 23.33
51 80.85 64.73 53.29 42.23 23.81
51.5 81.35 65.19 53.64 42.66 24.11
52 82.05 65.88 54.18 43.17 24.61
52.5 82.34 66.05 54.44 43.38 24.81
53 83.08 66.62 55.02 44.02 25.28
53.5 83.51 66.95 55.44 44.44 25.61
54 84.06 67.62 56.05 45.02 26.16
54.5 84.53 68.04 56.47 45.41 26.51
55 85.19 68.67 57.05 46.08 27.07
55.5 85.41 68.92 57.27 46.25 27.26
56 85.97 69.48 57.87 46.82 27.77
56.5 86.33 69.90 58.26 47.18 28.18
57 86.69 70.26 58.72 47.56 28.55
57.5 87.02 70.65 59.13 47.99 29.00
58 87.40 71.02 59.55 48.42 29.40
58.5 87.79 71.47 59.97 48.89 29.89
59 88.38 72.20 60.57 49.51 30.53
59.5 88.56 72.42 60.82 49.74 30.76
60 89.07 73.00 61.46 50.40 31.42
60.5 89.27 73.22 61.73 50.60 31.63
61 89.80 73.92 62.33 51.25 32.26
61.5 89.98 74.14 62.56 51.46 32.48
62 90.48 74.79 63.24 52.14 33.25
62.5 90.69 74.98 63.46 52.37 33.52
63 91.23 75.67 64.17 53.04 34.29
63.5 91.41 75.92 64.39 53.31 34.57
64 91.96 76.60 65.07 54.06 35.45
64.5 92.13 76.79 65.31 54.31 35.77
65 92.63 77.36 66.01 55.12 36.67
65.5 92.81 77.60 66.21 55.37 36.97
66 93.13 78.09 66.72 55.93 37.51
66.5 93.50 78.52 67.24 56.41 38.18
67 93.84 79.01 67.70 57.01 38.80
67.5 94.25 79.51 68.24 57.53 39.51
68 94.58 80.04 68.77 58.09 40.17
68.5 94.90 80.54 69.28 58.66 40.85
69 95.22 80.98 69.83 59.23 41.61
69.5 95.39 81.20 70.08 59.53 41.96
70 95.68 81.66 70.65 60.12 42.77
70.5 95.97 82.16 71.18 60.76 43.56
71 96.22 82.69 71.74 61.31 44.39
71.5 96.33 82.96 72.04 61.58 44.84
72 96.55 83.46 72.55 62.25 45.82
72.5 96.65 83.71 72.84 62.54 46.26
73 96.91 84.20 73.37 63.23 47.12
73.5 97.05 84.47 73.68 63.61 47.59
74 97.27 85.08 74.47 64.48 48.77
74.5 97.51 85.53 75.01 65.16 49.76
75 97.63 85.77 75.28 65.57 50.24
75.5 97.79 86.27 75.91 66.28 51.31
76 97.91 86.75 76.54 67.01 52.42
76.5 97.98 87.06 76.84 67.38 52.96
77 98.12 87.57 77.48 68.07 54.15
77.5 98.22 87.78 77.76 68.44 54.73
78 98.40 88.28 78.40 69.17 56.07
78.5 98.45 88.49 78.71 69.51 56.64
79 98.57 88.96 79.31 70.32 57.99
79.5 98.68 89.52 79.92 71.17 59.34
80 98.75 89.73 80.27 71.59 60.04
80.5 98.86 90.15 80.88 72.45 61.62
81 98.92 90.37 81.23 72.85 62.32
81.5 99.03 90.77 81.88 73.66 63.75
82 99.09 91.00 82.18 74.08 64.43
82.5 99.19 91.42 82.78 74.89 65.87
83 99.25 91.62 83.06 75.29 66.52
83.5 99.30 92.02 83.66 76.00 68.07
84 99.33 92.19 83.96 76.39 68.89
84.5 99.39 92.57 84.45 77.14 70.33
85 99.42 92.75 84.78 77.56 71.08
85.5 99.49 93.09 85.36 78.40 72.60
86 99.54 93.48 85.97 79.19 74.17
86.5 99.58 93.64 86.25 79.60 74.90
87 99.62 93.98 86.90 80.36 76.32
87.5 99.62 94.13 87.23 80.78 77.02
88 99.66 94.45 87.83 81.53 78.41
88.5 99.68 94.62 88.14 81.92 79.07
89 99.71 94.95 88.58 82.66 80.29
89.5 99.75 95.33 89.09 83.39 81.62
90 99.79 95.62 89.64 84.13 82.94
90.5 99.81 95.90 90.18 84.93 84.23
91 99.83 96.10 90.70 85.60 85.39
91.5 99.86 96.32 91.16 86.21 86.52
92 99.88 96.66 91.82 87.16 87.92
92.5 99.88 96.89 92.20 87.78 88.76
93 99.90 97.19 92.73 88.67 90.04
93.5 99.92 97.35 93.10 89.17 90.77
94 99.93 97.58 93.51 89.64 91.36
94.5 99.94 97.73 93.85 90.13 92.00
95 99.95 98.01 94.45 91.10 93.13
95.5 99.96 98.27 95.05 91.97 93.97
96 99.97 98.54 95.69 92.94 94.95
96.5 99.97 98.73 96.14 93.70 95.62
97 99.98 98.96 96.83 94.66 96.36
97.5 99.98 99.10 97.25 95.34 96.87
98 99.98 99.32 97.83 96.33 97.60
98.5 99.98 99.45 98.19 96.91 98.10
99 99.98 99.56 98.56 97.52 98.53
99.5 99.99 99.63 98.79 97.86 98.76
100 100.00 100.00 100.00 100.00 100.00

Figure 3.B. VantageScore: Cumulative Percentage, by Demographic Group
Marital status
Percent
Score Married
male
Single
male
Married
female
Single
female
0 0.90 2.31 0.88 2.51
0.5 0.95 2.50 0.95 2.66
1 1.04 2.71 1.02 2.85
1.5 1.10 2.92 1.08 3.07
2 1.24 3.27 1.21 3.39
2.5 1.34 3.48 1.32 3.68
3 1.67 4.33 1.61 4.50
3.5 1.85 4.76 1.79 4.98
4 2.18 5.69 2.11 5.93
4.5 2.47 6.39 2.40 6.63
5 2.78 7.17 2.72 7.41
5.5 3.04 7.76 2.95 7.98
6 3.39 8.53 3.30 8.66
6.5 3.62 9.02 3.49 9.12
7 3.96 9.86 3.87 9.98
7.5 4.28 10.47 4.15 10.56
8 4.61 11.32 4.53 11.42
8.5 4.79 11.73 4.70 11.85
9 5.24 12.56 5.06 12.59
9.5 5.58 13.24 5.39 13.29
10 6.03 14.29 5.78 14.25
10.5 6.28 14.74 6.02 14.66
11 6.77 15.69 6.48 15.52
11.5 7.03 16.12 6.68 16.00
12 7.40 16.87 6.99 16.62
12.5 7.64 17.33 7.20 17.04
13 7.98 17.97 7.56 17.70
13.5 8.23 18.44 7.81 18.13
14 8.72 19.42 8.29 19.00
14.5 8.97 19.90 8.51 19.48
15 9.39 20.48 8.92 20.18
15.5 9.64 20.93 9.15 20.69
16 10.15 21.80 9.71 21.64
16.5 10.45 22.20 9.95 22.18
17 10.88 22.86 10.35 22.93
17.5 11.17 23.29 10.60 23.44
18 11.59 24.01 11.03 24.09
18.5 11.86 24.45 11.30 24.49
19 12.44 25.36 11.87 25.45
19.5 12.75 25.83 12.18 26.00
20 13.24 26.58 12.67 26.71
20.5 13.54 27.06 12.94 27.13
21 14.03 27.79 13.36 27.82
21.5 14.35 28.27 13.71 28.32
22 14.84 28.93 14.21 28.95
22.5 15.12 29.41 14.51 29.45
23 15.64 30.20 14.93 30.05
23.5 15.99 30.62 15.24 30.54
24 16.52 31.32 15.72 31.24
24.5 16.83 31.85 16.07 31.85
25 17.34 32.57 16.57 32.55
25.5 17.67 33.02 16.92 32.98
26 18.10 33.79 17.42 33.64
26.5 18.43 34.37 17.74 34.16
27 18.86 35.08 18.23 34.84
27.5 19.16 35.61 18.56 35.24
28 19.67 36.39 19.03 35.91
28.5 20.14 37.05 19.49 36.50
29 20.61 37.74 19.97 37.22
29.5 20.97 38.18 20.31 37.69
30 21.49 38.83 20.87 38.44
30.5 21.83 39.32 21.24 38.91
31 22.18 39.83 21.58 39.32
31.5 22.57 40.40 21.95 39.76
32 23.17 41.06 22.48 40.42
32.5 23.53 41.46 22.84 40.80
33 24.14 42.35 23.44 41.55
33.5 24.57 42.90 23.90 42.03
34 24.95 43.44 24.30 42.48
34.5 25.38 43.95 24.71 42.98
35 25.94 44.74 25.32 43.75
35.5 26.39 45.26 25.67 44.24
36 26.78 45.77 26.07 44.74
36.5 27.21 46.32 26.50 45.23
37 27.83 47.06 27.13 45.89
37.5 28.05 47.27 27.31 46.11
38 28.64 48.04 27.89 46.89
38.5 29.04 48.51 28.29 47.41
39 29.40 48.99 28.69 47.94
39.5 29.79 49.46 29.06 48.38
40 30.36 50.13 29.66 49.04
40.5 30.81 50.55 30.09 49.46
41 31.22 51.09 30.50 49.96
41.5 31.68 51.51 30.92 50.39
42 32.37 52.16 31.54 51.01
42.5 32.60 52.39 31.74 51.21
43 33.18 53.03 32.37 51.76
43.5 33.61 53.45 32.78 52.14
44 34.03 53.85 33.18 52.53
44.5 34.60 54.47 33.77 53.10
45 35.21 55.02 34.39 53.76
45.5 35.42 55.26 34.62 53.98
46 36.10 55.91 35.23 54.64
46.5 36.54 56.33 35.63 55.01
47 37.00 56.78 36.03 55.42
47.5 37.46 57.13 36.45 55.84
48 38.06 57.73 37.02 56.29
48.5 38.44 58.12 37.38 56.78
49 39.06 58.76 38.02 57.38
49.5 39.26 58.96 38.24 57.54
50 39.85 59.53 38.80 58.11
50.5 40.28 59.92 39.16 58.48
51 40.84 60.53 39.79 59.08
51.5 41.26 60.91 40.21 59.40
52 41.88 61.48 40.80 59.94
52.5 42.11 61.74 41.02 60.13
53 42.76 62.35 41.64 60.66
53.5 43.17 62.80 42.04 60.96
54 43.80 63.40 42.69 61.44
54.5 44.26 63.76 43.15 61.77
55 44.95 64.36 43.75 62.33
55.5 45.18 64.55 43.97 62.51
56 45.77 65.05 44.59 63.07
56.5 46.16 65.37 45.03 63.44
57 46.59 65.78 45.39 63.83
57.5 47.06 66.16 45.81 64.19
58 47.48 66.60 46.19 64.60
58.5 47.98 67.01 46.69 65.00
59 48.70 67.59 47.40 65.51
59.5 48.97 67.77 47.63 65.70
60 49.65 68.39 48.31 66.26
60.5 49.91 68.57 48.57 66.42
61 50.53 69.23 49.24 67.03
61.5 50.77 69.46 49.44 67.24
62 51.48 70.05 50.20 67.89
62.5 51.70 70.26 50.47 68.11
63 52.39 70.87 51.26 68.79
63.5 52.69 71.10 51.52 68.99
64 53.50 71.74 52.27 69.70
64.5 53.78 71.92 52.55 69.92
65 54.53 72.61 53.36 70.51
65.5 54.80 72.83 53.61 70.71
66 55.35 73.31 54.13 71.19
66.5 55.90 73.77 54.71 71.65
67 56.55 74.20 55.25 72.04
67.5 57.15 74.67 55.89 72.55
68 57.77 75.22 56.47 73.02
68.5 58.35 75.68 57.11 73.48
69 58.98 76.14 57.73 73.97
69.5 59.29 76.39 58.04 74.20
70 59.93 76.82 58.73 74.72
70.5 60.54 77.30 59.39 75.28
71 61.16 77.84 60.05 75.77
71.5 61.48 78.11 60.40 76.03
72 62.19 78.71 61.06 76.55
72.5 62.51 78.96 61.41 76.80
73 63.17 79.50 62.16 77.27
73.5 63.57 79.83 62.53 77.52
74 64.46 80.54 63.43 78.17
74.5 65.07 81.10 64.20 78.71
75 65.41 81.35 64.62 78.99
75.5 66.20 81.88 65.36 79.57
76 66.92 82.42 66.19 80.17
76.5 67.32 82.73 66.60 80.43
77 68.06 83.29 67.47 81.03
77.5 68.39 83.55 67.89 81.33
78 69.22 84.12 68.72 82.03
78.5 69.63 84.36 69.10 82.24
79 70.52 84.96 69.94 82.78
79.5 71.36 85.51 70.92 83.40
80 71.78 85.81 71.42 83.75
80.5 72.63 86.40 72.40 84.48
81 73.10 86.68 72.84 84.80
81.5 74.01 87.17 73.79 85.47
82 74.50 87.42 74.22 85.76
82.5 75.40 87.93 75.16 86.30
83 75.79 88.14 75.62 86.63
83.5 76.65 88.64 76.54 87.26
84 77.10 88.94 77.02 87.52
84.5 77.91 89.40 77.90 88.10
85 78.36 89.67 78.38 88.42
85.5 79.18 90.19 79.38 89.03
86 80.14 90.61 80.35 89.68
86.5 80.55 90.84 80.82 89.99
87 81.38 91.28 81.82 90.56
87.5 81.80 91.55 82.29 90.84
88 82.59 91.99 83.20 91.43
88.5 83.01 92.20 83.63 91.73
89 83.75 92.65 84.39 92.19
89.5 84.58 93.10 85.27 92.69
90 85.39 93.53 86.12 93.20
90.5 86.18 93.93 86.98 93.76
91 86.88 94.31 87.72 94.17
91.5 87.61 94.63 88.44 94.54
92 88.57 95.08 89.43 95.12
92.5 89.20 95.33 90.01 95.41
93 90.10 95.69 90.91 95.89
93.5 90.65 95.91 91.41 96.13
94 91.16 96.14 91.90 96.39
94.5 91.68 96.34 92.37 96.59
95 92.59 96.77 93.21 97.04
95.5 93.32 97.17 93.99 97.39
96 94.21 97.55 94.84 97.80
96.5 94.84 97.86 95.41 98.10
97 95.65 98.27 96.18 98.42
97.5 96.20 98.52 96.68 98.67
98 97.00 98.86 97.44 99.02
98.5 97.49 99.09 97.89 99.21
99 98.04 99.24 98.31 99.39
99.5 98.32 99.39 98.56 99.50
100 100.00 100.00 100.00 100.00

Figure 3.B. VantageScore: Cumulative Percentage, by Demographic Group
Income ratio of tract
Percent
Score Low Moderate Middle High
0 5.08 3.02 1.60 0.83
0.5 5.33 3.24 1.71 0.91
1 5.60 3.48 1.84 0.98
1.5 6.04 3.71 1.98 1.06
2 6.58 4.13 2.19 1.18
2.5 7.10 4.40 2.37 1.28
3 8.81 5.45 2.90 1.54
3.5 9.85 6.02 3.22 1.69
4 11.77 7.06 3.80 1.98
4.5 12.82 7.93 4.29 2.23
5 14.36 8.90 4.82 2.49
5.5 15.53 9.57 5.22 2.74
6 16.98 10.56 5.74 3.02
6.5 17.74 11.13 6.08 3.22
7 19.45 12.09 6.67 3.56
7.5 20.47 12.82 7.15 3.83
8 21.88 13.83 7.75 4.16
8.5 22.67 14.33 8.05 4.32
9 23.92 15.31 8.65 4.67
9.5 25.00 16.09 9.15 4.98
10 26.88 17.34 9.88 5.41
10.5 27.64 17.90 10.22 5.58
11 29.25 18.98 10.94 6.00
11.5 30.00 19.50 11.27 6.21
12 30.91 20.28 11.77 6.47
12.5 31.61 20.76 12.08 6.68
13 32.62 21.54 12.60 6.99
13.5 33.17 22.08 12.97 7.20
14 34.71 23.05 13.68 7.61
14.5 35.24 23.57 14.03 7.82
15 36.50 24.33 14.55 8.18
15.5 37.05 24.83 14.90 8.42
16 38.32 25.78 15.65 8.88
16.5 39.09 26.29 16.02 9.10
17 40.02 27.01 16.56 9.48
17.5 40.64 27.52 16.93 9.70
18 41.44 28.29 17.51 10.04
18.5 42.00 28.78 17.85 10.27
19 43.10 29.81 18.63 10.77
19.5 43.57 30.34 19.06 11.00
20 44.37 31.09 19.68 11.42
20.5 45.04 31.58 20.03 11.68
21 45.94 32.33 20.59 12.06
21.5 46.44 32.82 21.01 12.36
22 47.16 33.59 21.61 12.74
22.5 47.66 34.08 21.99 13.01
23 48.46 34.82 22.58 13.42
23.5 48.95 35.36 22.96 13.72
24 49.69 36.18 23.58 14.14
24.5 50.26 36.73 24.02 14.47
25 51.15 37.47 24.65 14.86
25.5 51.62 37.92 25.05 15.13
26 52.42 38.73 25.62 15.54
26.5 53.03 39.27 26.06 15.84
27 53.78 40.01 26.63 16.26
27.5 54.12 40.51 27.03 16.57
28 54.93 41.27 27.63 17.03
28.5 55.71 41.91 28.16 17.44
29 56.40 42.65 28.75 17.90
29.5 56.82 43.19 29.14 18.22
30 57.37 43.94 29.76 18.73
30.5 57.71 44.46 30.19 19.06
31 58.28 44.93 30.59 19.37
31.5 58.68 45.46 31.06 19.71
32 59.38 46.14 31.71 20.24
32.5 59.78 46.51 32.09 20.58
33 60.58 47.40 32.76 21.17
33.5 61.07 47.93 33.23 21.64
34 61.50 48.40 33.72 22.02
34.5 61.91 48.93 34.22 22.40
35 62.73 49.62 34.95 23.00
35.5 63.18 50.10 35.43 23.40
36 63.53 50.63 35.90 23.78
36.5 64.08 51.16 36.36 24.19
37 64.85 51.90 37.07 24.78
37.5 65.01 52.11 37.33 24.97
38 65.68 52.79 38.05 25.57
38.5 66.18 53.26 38.53 25.99
39 66.64 53.73 39.00 26.39
39.5 67.03 54.21 39.44 26.75
40 67.76 54.90 40.13 27.32
40.5 68.18 55.39 40.60 27.71
41 68.65 55.91 41.07 28.13
41.5 69.14 56.37 41.56 28.54
42 69.81 57.10 42.24 29.15
42.5 69.95 57.34 42.46 29.34
43 70.40 57.97 43.14 29.93
43.5 70.80 58.48 43.57 30.34
44 71.33 58.92 44.00 30.75
44.5 72.15 59.60 44.63 31.34
45 72.80 60.25 45.32 31.97
45.5 73.00 60.51 45.57 32.18
46 73.57 61.18 46.31 32.85
46.5 74.08 61.61 46.75 33.34
47 74.52 62.08 47.20 33.83
47.5 74.92 62.55 47.66 34.31
48 75.43 63.02 48.23 34.99
48.5 75.97 63.44 48.70 35.40
49 76.79 64.09 49.37 36.06
49.5 76.92 64.26 49.60 36.26
50 77.54 64.85 50.23 36.93
50.5 77.91 65.24 50.66 37.41
51 78.52 65.82 51.27 38.11
51.5 78.78 66.28 51.68 38.55
52 79.22 66.84 52.31 39.23
52.5 79.49 67.09 52.54 39.48
53 80.12 67.72 53.17 40.20
53.5 80.37 68.15 53.58 40.68
54 80.84 68.68 54.24 41.39
54.5 81.25 69.15 54.66 41.85
55 81.61 69.81 55.36 42.61
55.5 81.81 70.01 55.60 42.84
56 82.41 70.61 56.27 43.56
56.5 82.68 71.02 56.72 43.99
57 82.96 71.42 57.15 44.47
57.5 83.34 71.86 57.61 44.96
58 83.76 72.30 58.06 45.43
58.5 84.03 72.68 58.57 45.95
59 84.54 73.32 59.33 46.65
59.5 84.71 73.57 59.60 46.91
60 85.05 74.22 60.33 47.71
60.5 85.30 74.43 60.57 47.97
61 85.66 74.98 61.30 48.77
61.5 85.79 75.16 61.53 49.05
62 86.31 75.76 62.32 49.87
62.5 86.50 75.96 62.56 50.16
63 86.97 76.60 63.36 51.00
63.5 87.14 76.80 63.65 51.31
64 87.59 77.47 64.43 52.19
64.5 87.66 77.70 64.71 52.47
65 88.02 78.33 65.51 53.36
65.5 88.26 78.55 65.77 53.68
66 88.55 78.96 66.30 54.29
66.5 88.84 79.34 66.84 54.90
67 89.08 79.73 67.41 55.50
67.5 89.42 80.14 67.98 56.16
68 89.74 80.54 68.57 56.78
68.5 90.07 80.92 69.14 57.43
69 90.38 81.31 69.71 58.10
69.5 90.51 81.54 69.99 58.42
70 90.77 81.91 70.57 59.14
70.5 91.04 82.36 71.15 59.81
71 91.36 82.81 71.72 60.49
71.5 91.50 83.00 72.02 60.83
72 91.80 83.42 72.65 61.51
72.5 91.95 83.63 72.95 61.82
73 92.19 84.06 73.55 62.50
73.5 92.39 84.25 73.88 62.88
74 92.70 84.73 74.61 63.85
74.5 93.00 85.16 75.22 64.54
75 93.12 85.39 75.52 64.91
75.5 93.43 85.84 76.18 65.59
76 93.64 86.28 76.82 66.34
76.5 93.79 86.51 77.13 66.74
77 93.96 86.96 77.81 67.50
77.5 94.14 87.17 78.14 67.86
78 94.38 87.64 78.84 68.68
78.5 94.51 87.87 79.14 69.06
79 94.78 88.30 79.85 69.87
79.5 95.10 88.78 80.57 70.68
80 95.23 89.06 80.91 71.11
80.5 95.44 89.55 81.68 72.05
81 95.54 89.79 82.04 72.48
81.5 95.75 90.23 82.75 73.29
82 95.82 90.43 83.11 73.70
82.5 95.96 90.86 83.80 74.57
83 96.07 91.07 84.17 74.90
83.5 96.30 91.49 84.86 75.72
84 96.40 91.69 85.23 76.14
84.5 96.53 92.12 85.87 76.95
85 96.63 92.31 86.24 77.36
85.5 96.79 92.73 86.94 78.20
86 96.96 93.10 87.64 79.11
86.5 97.04 93.32 87.96 79.53
87 97.16 93.70 88.63 80.35
87.5 97.20 93.89 88.95 80.80
88 97.41 94.27 89.59 81.59
88.5 97.50 94.45 89.91 81.96
89 97.65 94.75 90.51 82.65
89.5 97.84 95.08 91.13 83.39
90 98.00 95.46 91.68 84.21
90.5 98.22 95.81 92.25 85.00
91 98.32 96.08 92.76 85.72
91.5 98.45 96.39 93.25 86.36
92 98.62 96.74 93.91 87.33
92.5 98.72 96.98 94.31 87.92
93 98.90 97.34 94.88 88.77
93.5 98.99 97.55 95.20 89.30
94 99.08 97.74 95.53 89.77
94.5 99.14 97.90 95.83 90.27
95 99.31 98.21 96.37 91.19
95.5 99.36 98.46 96.84 92.00
96 99.49 98.75 97.33 92.95
96.5 99.54 98.95 97.67 93.66
97 99.65 99.17 98.11 94.60
97.5 99.69 99.30 98.41 95.20
98 99.71 99.48 98.80 96.18
98.5 99.75 99.59 99.04 96.76
99 99.78 99.71 99.24 97.40
99.5 99.79 99.77 99.37 97.75
100 100.00 100.00 100.00 100.00

Return to figure


Figure 3.C. FRB Base Score: Cumulative Percentage, by Demographic Group

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



Figure 3.C. FRB Base Score: Cumulative Percentage, by Demographic Group
Race or ethnicity (SSA data)
Percent
Score Non-
Hispanic
white
Black Hispanic Asian
0 0.15 0.68 0.35 0.14
0.5 0.22 1.07 0.53 0.18
1 0.48 2.32 1.13 0.32
1.5 0.77 3.68 1.70 0.55
2 1.46 6.88 3.18 1.28
2.5 1.89 8.50 4.16 1.75
3 2.22 10.05 4.91 1.91
3.5 2.54 11.43 5.56 2.05
4 3.00 13.41 6.51 2.38
4.5 3.27 14.59 7.07 2.49
5 3.80 16.73 8.16 2.87
5.5 4.08 17.72 8.76 2.98
6 4.49 19.19 9.54 3.18
6.5 4.89 20.69 10.26 3.42
7 5.32 22.33 11.02 3.74
7.5 5.69 23.49 11.57 3.93
8 6.15 25.18 12.38 4.32
8.5 6.59 26.79 13.32 4.57
9 6.98 28.11 14.05 4.90
9.5 7.34 29.22 14.79 5.14
10 7.75 30.48 15.56 5.45
10.5 8.18 31.92 16.37 5.79
11 8.64 33.27 17.23 6.13
11.5 9.03 34.46 17.94 6.37
12 9.50 35.91 18.88 6.73
12.5 9.80 36.71 19.35 6.91
13 10.30 38.22 20.23 7.38
13.5 10.55 38.98 20.70 7.51
14 11.00 40.21 21.55 7.84
14.5 11.35 41.12 22.12 8.04
15 11.80 42.46 22.93 8.47
15.5 12.16 43.46 23.48 8.81
16 12.72 44.86 24.57 9.31
16.5 13.06 45.70 25.24 9.52
17 13.58 46.94 26.12 9.87
17.5 13.91 47.83 26.72 10.08
18 14.46 49.10 27.46 10.48
18.5 14.77 49.79 27.92 10.74
19 15.26 51.08 28.68 11.12
19.5 15.67 51.98 29.22 11.49
20 16.18 53.03 30.02 11.92
20.5 16.55 53.83 30.65 12.23
21 17.04 54.88 31.64 12.59
21.5 17.40 55.52 32.13 12.86
22 17.96 56.57 33.07 13.24
22.5 18.26 57.13 33.64 13.53
23 18.82 58.16 34.51 14.02
23.5 19.19 58.88 35.08 14.45
24 19.74 59.85 35.99 14.96
24.5 20.10 60.44 36.46 15.20
25 20.71 61.40 37.25 15.63
25.5 21.07 62.01 37.89 15.98
26 21.60 62.78 38.74 16.50
26.5 21.99 63.28 39.32 16.93
27 22.54 64.04 40.22 17.51
27.5 22.94 64.54 40.83 17.83
28 23.49 65.35 41.61 18.25
28.5 23.89 65.86 42.22 18.50
29 24.49 66.62 42.90 19.03
29.5 24.90 67.16 43.53 19.48
30 25.52 67.90 44.41 20.14
30.5 25.88 68.31 44.94 20.48
31 26.39 68.97 45.65 20.92
31.5 26.77 69.42 46.25 21.30
32 27.34 70.08 46.94 21.92
32.5 27.75 70.52 47.46 22.37
33 28.34 71.17 48.29 22.90
33.5 28.76 71.67 48.76 23.48
34 29.32 72.26 49.51 24.14
34.5 29.78 72.68 50.19 24.58
35 30.36 73.20 51.04 25.26
35.5 30.65 73.44 51.40 25.61
36 31.18 73.97 52.06 26.25
36.5 31.58 74.32 52.52 26.58
37 32.15 74.74 53.30 27.25
37.5 32.52 74.99 53.70 27.62
38 33.13 75.49 54.47 28.26
38.5 33.58 75.91 55.11 28.66
39 34.24 76.42 55.90 29.67
39.5 34.67 76.72 56.46 30.16
40 35.28 77.22 57.23 30.95
40.5 35.57 77.43 57.60 31.22
41 36.11 77.85 58.26 31.93
41.5 36.54 78.23 58.82 32.49
42 37.16 78.72 59.55 33.15
42.5 37.51 79.00 59.92 33.60
43 38.09 79.40 60.54 34.18
43.5 38.64 79.82 61.31 35.00
44 39.26 80.25 62.10 35.69
44.5 39.68 80.59 62.62 36.23
45 40.22 80.99 63.16 36.92
45.5 40.64 81.29 63.68 37.65
46 41.26 81.59 64.33 38.43
46.5 41.72 81.93 64.82 38.96
47 42.33 82.29 65.38 39.86
47.5 42.67 82.45 65.75 40.34
48 43.29 82.86 66.42 41.31
48.5 43.81 83.15 66.94 42.09
49 44.48 83.49 67.59 42.97
49.5 44.96 83.78 68.19 43.62
50 45.48 83.99 68.69 44.18
50.5 45.88 84.20 69.12 44.78
51 46.47 84.48 69.67 45.62
51.5 46.82 84.69 70.07 46.14
52 47.46 85.01 70.61 46.86
52.5 47.86 85.22 70.93 47.50
53 48.48 85.51 71.48 48.33
53.5 48.97 85.80 71.92 49.10
54 49.63 86.06 72.43 49.93
54.5 50.11 86.31 72.86 50.55
55 50.84 86.65 73.58 51.53
55.5 51.07 86.78 73.77 51.91
56 51.79 87.09 74.38 52.60
56.5 52.29 87.28 74.77 53.25
57 52.83 87.57 75.23 54.00
57.5 53.33 87.79 75.65 54.63
58 53.92 88.11 76.18 55.36
58.5 54.42 88.28 76.64 55.96
59 55.18 88.57 77.15 56.84
59.5 55.43 88.67 77.32 57.23
60 56.27 89.04 77.96 58.31
60.5 56.58 89.12 78.17 58.87
61 57.12 89.29 78.52 59.55
61.5 57.76 89.56 78.97 60.39
62 58.33 89.77 79.38 61.08
62.5 58.63 89.90 79.55 61.37
63 59.27 90.11 79.89 62.02
63.5 59.88 90.35 80.27 62.67
64 60.53 90.55 80.69 63.37
64.5 60.89 90.70 80.91 63.93
65 61.54 90.93 81.34 64.72
65.5 62.20 91.17 81.85 65.58
66 62.83 91.35 82.22 66.31
66.5 63.16 91.45 82.43 66.62
67 63.83 91.69 82.82 67.17
67.5 64.16 91.80 83.05 67.64
68 64.86 91.98 83.45 68.40
68.5 65.19 92.06 83.60 68.89
69 65.92 92.32 84.02 69.78
69.5 66.65 92.49 84.43 70.64
70 67.07 92.61 84.70 71.28
70.5 67.88 92.84 85.18 72.03
71 68.23 92.93 85.35 72.33
71.5 68.97 93.14 85.83 73.16
72 69.31 93.23 85.98 73.54
72.5 70.02 93.44 86.41 74.36
73 70.40 93.55 86.59 74.77
73.5 71.15 93.70 87.04 75.40
74 71.57 93.79 87.27 75.76
74.5 72.32 93.96 87.72 76.60
75 72.70 94.08 87.94 77.00
75.5 73.47 94.28 88.32 77.67
76 73.85 94.32 88.51 77.96
76.5 74.63 94.48 88.94 78.88
77 74.99 94.55 89.11 79.26
77.5 75.77 94.76 89.50 79.96
78 76.15 94.85 89.69 80.37
78.5 76.88 95.01 90.07 81.03
79 77.27 95.10 90.25 81.41
79.5 78.13 95.26 90.65 82.09
80 78.47 95.35 90.83 82.37
80.5 78.86 95.44 91.03 82.76
81 79.60 95.67 91.41 83.53
81.5 79.96 95.72 91.64 83.77
82 80.73 95.90 91.94 84.36
82.5 81.13 96.03 92.11 84.86
83 81.82 96.13 92.41 85.47
83.5 82.33 96.26 92.65 86.03
84 83.16 96.45 93.01 86.70
84.5 83.54 96.51 93.13 86.97
85 83.92 96.60 93.25 87.28
85.5 84.62 96.76 93.54 87.73
86 85.36 96.98 93.90 88.30
86.5 85.66 97.06 94.01 88.62
87 86.46 97.23 94.33 89.36
87.5 86.87 97.33 94.49 89.72
88 87.53 97.46 94.78 90.29
88.5 87.87 97.53 94.95 90.56
89 88.62 97.70 95.25 91.07
89.5 89.28 97.85 95.51 91.71
90 89.62 97.94 95.66 91.94
90.5 89.94 98.02 95.80 92.23
91 90.68 98.14 96.15 92.75
91.5 91.07 98.20 96.31 93.10
92 91.40 98.26 96.42 93.29
92.5 92.15 98.40 96.65 93.69
93 92.80 98.62 96.96 94.51
93.5 93.14 98.66 97.08 94.74
94 93.72 98.81 97.31 95.21
94.5 94.18 98.89 97.50 95.56
95 94.87 98.97 97.72 96.01
95.5 95.28 99.03 97.91 96.41
96 95.89 99.17 98.21 96.79
96.5 96.36 99.29 98.38 97.10
97 97.04 99.43 98.75 97.72
97.5 98.55 99.69 99.31 98.78
98 99.60 99.90 99.79 99.67
98.5 99.71 99.94 99.86 99.73
99 99.77 99.95 99.89 99.77
99.5 99.82 99.95 99.90 99.78
100 100.00 100.00 100.00 100.00

Figure 3.C. FRB Base Score: Cumulative Percentage, by Demographic Group
Race or ethnicity (location-based distribution)
Percent
Score Non-
Hispanic
white
Black Hispanic Asian
0 0.17 0.40 0.32 0.18
0.5 0.26 0.62 0.51 0.29
1 0.54 1.40 1.07 0.60
1.5 0.87 2.27 1.61 0.92
2 1.68 4.12 2.99 1.76
2.5 2.16 5.17 3.80 2.26
3 2.55 6.12 4.41 2.65
3.5 2.89 7.01 4.97 3.00
4 3.41 8.24 5.84 3.51
4.5 3.71 8.97 6.29 3.76
5 4.29 10.39 7.19 4.32
5.5 4.59 11.03 7.66 4.61
6 5.03 12.02 8.33 5.06
6.5 5.47 12.99 8.98 5.43
7 5.95 14.09 9.69 5.86
7.5 6.34 14.84 10.23 6.20
8 6.83 15.93 11.05 6.68
8.5 7.32 17.08 11.87 7.23
9 7.75 17.93 12.47 7.65
9.5 8.14 18.78 13.13 8.02
10 8.58 19.71 13.77 8.43
10.5 9.04 20.70 14.51 8.88
11 9.55 21.66 15.28 9.37
11.5 9.98 22.54 15.97 9.85
12 10.49 23.49 16.75 10.36
12.5 10.79 24.02 17.18 10.61
13 11.35 25.07 18.01 11.16
13.5 11.62 25.61 18.38 11.43
14 12.10 26.62 19.20 11.90
14.5 12.46 27.28 19.72 12.24
15 12.95 28.26 20.44 12.70
15.5 13.32 29.02 20.97 13.06
16 13.93 30.06 21.84 13.65
16.5 14.27 30.66 22.39 14.00
17 14.81 31.57 23.12 14.48
17.5 15.16 32.13 23.59 14.78
18 15.71 33.07 24.26 15.26
18.5 16.02 33.60 24.66 15.57
19 16.54 34.52 25.30 16.04
19.5 16.94 35.17 25.76 16.42
20 17.45 35.96 26.41 16.93
20.5 17.84 36.56 26.92 17.29
21 18.36 37.38 27.63 17.79
21.5 18.72 37.91 28.04 18.11
22 19.30 38.75 28.81 18.66
22.5 19.61 39.21 29.24 18.99
23 20.17 40.05 29.96 19.59
23.5 20.57 40.63 30.45 20.00
24 21.13 41.44 31.20 20.56
24.5 21.49 41.95 31.65 20.90
25 22.10 42.77 32.34 21.47
25.5 22.46 43.24 32.85 21.87
26 22.99 43.95 33.55 22.39
26.5 23.38 44.45 34.07 22.78
27 23.94 45.18 34.74 23.36
27.5 24.34 45.64 35.25 23.79
28 24.88 46.32 35.90 24.33
28.5 25.27 46.76 36.39 24.69
29 25.85 47.42 37.07 25.25
29.5 26.25 47.91 37.56 25.69
30 26.85 48.63 38.28 26.33
30.5 27.21 49.05 38.67 26.70
31 27.71 49.64 39.23 27.21
31.5 28.10 50.06 39.68 27.60
32 28.65 50.68 40.30 28.15
32.5 29.06 51.13 40.75 28.54
33 29.65 51.77 41.46 29.16
33.5 30.06 52.25 41.92 29.65
34 30.63 52.89 42.60 30.27
34.5 31.08 53.35 43.14 30.71
35 31.66 53.92 43.77 31.30
35.5 31.95 54.26 44.08 31.60
36 32.51 54.83 44.72 32.19
36.5 32.88 55.20 45.15 32.59
37 33.43 55.73 45.82 33.21
37.5 33.84 56.14 46.25 33.58
38 34.44 56.66 46.91 34.14
38.5 34.89 57.13 47.46 34.59
39 35.54 57.71 48.12 35.32
39.5 35.97 58.09 48.59 35.77
40 36.63 58.71 49.29 36.43
40.5 36.91 58.95 49.60 36.71
41 37.43 59.46 50.21 37.26
41.5 37.86 59.84 50.71 37.74
42 38.45 60.40 51.35 38.35
42.5 38.81 60.74 51.69 38.70
43 39.35 61.22 52.28 39.34
43.5 39.94 61.82 53.01 40.13
44 40.56 62.34 53.74 40.79
44.5 40.97 62.72 54.19 41.19
45 41.49 63.21 54.71 41.77
45.5 41.92 63.58 55.17 42.26
46 42.51 64.01 55.78 42.92
46.5 42.98 64.39 56.32 43.43
47 43.58 64.85 56.92 44.05
47.5 43.94 65.13 57.26 44.41
48 44.55 65.64 57.88 45.07
48.5 45.05 66.03 58.42 45.67
49 45.70 66.47 59.03 46.34
49.5 46.17 66.83 59.50 46.86
50 46.68 67.16 59.93 47.36
50.5 47.09 67.51 60.37 47.77
51 47.67 67.93 60.91 48.32
51.5 48.02 68.20 61.26 48.71
52 48.62 68.66 61.84 49.36
52.5 49.01 68.93 62.19 49.76
53 49.60 69.34 62.71 50.38
53.5 50.07 69.71 63.19 50.93
54 50.69 70.12 63.72 51.56
54.5 51.18 70.47 64.14 52.05
55 51.90 71.00 64.77 52.74
55.5 52.11 71.17 64.95 53.01
56 52.79 71.61 65.53 53.71
56.5 53.31 71.95 65.96 54.26
57 53.84 72.32 66.47 54.90
57.5 54.34 72.66 66.87 55.41
58 54.92 73.11 67.43 56.03
58.5 55.38 73.42 67.85 56.58
59 56.08 73.87 68.38 57.26
59.5 56.32 74.03 68.56 57.49
60 57.15 74.56 69.20 58.34
60.5 57.44 74.77 69.47 58.67
61 57.94 75.08 69.85 59.26
61.5 58.62 75.56 70.44 60.02
62 59.17 75.91 70.88 60.61
62.5 59.44 76.07 71.07 60.87
63 60.03 76.41 71.51 61.38
63.5 60.61 76.77 71.94 61.95
64 61.21 77.18 72.41 62.52
64.5 61.58 77.40 72.69 62.92
65 62.20 77.74 73.18 63.59
65.5 62.87 78.18 73.72 64.37
66 63.45 78.53 74.15 64.96
66.5 63.75 78.69 74.37 65.25
67 64.38 79.07 74.83 65.86
67.5 64.71 79.27 75.06 66.21
68 65.38 79.66 75.58 66.92
68.5 65.68 79.82 75.77 67.26
69 66.51 80.43 76.42 68.19
69.5 67.21 80.80 76.95 68.89
70 67.68 81.14 77.36 69.40
70.5 68.43 81.59 77.94 70.12
71 68.74 81.79 78.15 70.41
71.5 69.42 82.21 78.67 71.10
72 69.73 82.39 78.86 71.34
72.5 70.40 82.81 79.35 71.99
73 70.75 83.04 79.58 72.35
73.5 71.44 83.43 80.08 72.99
74 71.82 83.66 80.33 73.39
74.5 72.54 84.08 80.87 74.07
75 72.91 84.30 81.16 74.43
75.5 73.60 84.69 81.62 75.09
76 73.94 84.85 81.83 75.37
76.5 74.66 85.16 82.36 76.14
77 74.98 85.33 82.59 76.45
77.5 75.68 85.75 83.12 77.15
78 76.05 85.96 83.37 77.48
78.5 76.95 86.51 84.08 78.44
79 77.32 86.71 84.33 78.80
79.5 78.13 87.12 84.85 79.53
80 78.44 87.31 85.07 79.87
80.5 78.82 87.49 85.33 80.25
81 79.51 87.92 85.81 80.95
81.5 79.84 88.08 86.02 81.24
82 80.54 88.46 86.46 81.86
82.5 80.92 88.70 86.72 82.23
83 81.55 89.01 87.14 82.77
83.5 82.42 89.69 87.95 83.70
84 83.21 90.13 88.43 84.35
84.5 83.55 90.29 88.64 84.68
85 83.89 90.49 88.85 84.94
85.5 84.55 90.85 89.24 85.51
86 85.25 91.26 89.69 86.12
86.5 85.52 91.41 89.88 86.40
87 86.26 91.87 90.38 87.16
87.5 86.66 92.11 90.62 87.55
88 87.29 92.48 91.04 88.14
88.5 87.61 92.65 91.25 88.44
89 88.33 93.03 91.74 89.12
89.5 88.95 93.37 92.15 89.71
90 89.26 93.54 92.37 89.98
90.5 89.55 93.69 92.54 90.24
91 90.24 94.06 93.00 90.88
91.5 90.75 94.41 93.39 91.38
92 91.05 94.56 93.59 91.66
92.5 91.73 94.93 93.99 92.21
93 93.04 95.93 95.14 93.61
93.5 93.35 96.08 95.32 93.82
94 93.90 96.42 95.70 94.38
94.5 94.43 96.76 96.07 94.83
95 95.06 97.12 96.44 95.31
95.5 95.46 97.32 96.67 95.67
96 96.05 97.69 97.11 96.19
96.5 96.47 97.96 97.41 96.58
97 97.14 98.38 97.93 97.26
97.5 98.54 99.15 98.85 98.52
98 99.64 99.82 99.71 99.66
98.5 99.74 99.87 99.80 99.76
99 99.80 99.90 99.84 99.82
99.5 99.83 99.91 99.87 99.85
100 100.00 100.00 100.00 100.00

Figure 3.C. FRB Base Score: Cumulative Percentage, by Demographic Group
Sex
Percent
Score Male Female
0 0.21 0.23
0.5 0.31 0.36
1 0.67 0.78
1.5 1.03 1.26
2 1.97 2.37
2.5 2.57 2.97
3 3.04 3.49
3.5 3.46 3.96
4 4.10 4.65
4.5 4.46 5.05
5 5.17 5.81
5.5 5.55 6.19
6 6.08 6.73
6.5 6.64 7.26
7 7.24 7.82
7.5 7.72 8.27
8 8.37 8.84
8.5 9.00 9.41
9 9.55 9.90
9.5 10.02 10.35
10 10.57 10.87
10.5 11.16 11.40
11 11.75 11.98
11.5 12.30 12.43
12 12.94 13.03
12.5 13.29 13.39
13 13.96 14.00
13.5 14.29 14.31
14 14.86 14.85
14.5 15.30 15.26
15 15.91 15.82
15.5 16.38 16.23
16 17.11 16.91
16.5 17.53 17.30
17 18.19 17.90
17.5 18.58 18.32
18 19.23 18.94
18.5 19.58 19.31
19 20.21 19.87
19.5 20.68 20.33
20 21.30 20.87
20.5 21.76 21.29
21 22.38 21.85
21.5 22.79 22.24
22 23.42 22.90
22.5 23.81 23.22
23 24.46 23.84
23.5 24.88 24.28
24 25.53 24.89
24.5 25.94 25.27
25 26.59 25.93
25.5 27.00 26.33
26 27.56 26.93
26.5 27.99 27.35
27 28.55 27.98
27.5 28.98 28.40
28 29.59 28.99
28.5 30.00 29.41
29 30.60 30.04
29.5 31.04 30.48
30 31.70 31.13
30.5 32.11 31.48
31 32.63 32.04
31.5 33.05 32.44
32 33.62 33.05
32.5 34.05 33.47
33 34.71 34.06
33.5 35.14 34.51
34 35.69 35.12
34.5 36.17 35.59
35 36.76 36.20
35.5 37.03 36.51
36 37.56 37.09
36.5 37.95 37.48
37 38.54 38.04
37.5 38.88 38.43
38 39.44 39.07
38.5 39.90 39.54
39 40.56 40.20
39.5 40.99 40.63
40 41.59 41.28
40.5 41.85 41.59
41 42.37 42.17
41.5 42.81 42.62
42 43.41 43.24
42.5 43.73 43.63
43 44.26 44.22
43.5 44.82 44.82
44 45.40 45.49
44.5 45.79 45.95
45 46.26 46.53
45.5 46.68 46.99
46 47.19 47.66
46.5 47.61 48.15
47 48.14 48.82
47.5 48.45 49.16
48 48.99 49.84
48.5 49.44 50.42
49 50.01 51.14
49.5 50.42 51.69
50 50.85 52.25
50.5 51.20 52.68
51 51.68 53.32
51.5 51.99 53.72
52 52.53 54.39
52.5 52.86 54.83
53 53.37 55.50
53.5 53.78 56.04
54 54.32 56.73
54.5 54.74 57.23
55 55.36 58.00
55.5 55.56 58.25
56 56.18 58.97
56.5 56.61 59.49
57 57.06 60.07
57.5 57.52 60.56
58 58.03 61.18
58.5 58.42 61.71
59 59.04 62.48
59.5 59.24 62.75
60 59.92 63.63
60.5 60.18 63.94
61 60.58 64.51
61.5 61.11 65.18
62 61.58 65.77
62.5 61.81 66.07
63 62.30 66.71
63.5 62.82 67.29
64 63.32 67.95
64.5 63.63 68.32
65 64.13 68.98
65.5 64.74 69.60
66 65.27 70.20
66.5 65.53 70.53
67 66.08 71.17
67.5 66.37 71.50
68 66.93 72.17
68.5 67.19 72.50
69 67.80 73.20
69.5 68.41 73.89
70 68.77 74.32
70.5 69.44 75.05
71 69.74 75.37
71.5 70.36 76.06
72 70.64 76.38
72.5 71.27 77.03
73 71.62 77.34
73.5 72.27 78.00
74 72.63 78.36
74.5 73.29 79.04
75 73.63 79.38
75.5 74.32 80.03
76 74.65 80.35
76.5 75.36 81.00
77 75.68 81.29
77.5 76.35 81.97
78 76.70 82.28
78.5 77.39 82.86
79 77.73 83.20
79.5 78.50 83.90
80 78.82 84.16
80.5 79.18 84.49
81 79.89 85.09
81.5 80.25 85.36
82 80.97 85.95
82.5 81.35 86.27
83 82.01 86.79
83.5 82.45 87.25
84 83.25 87.88
84.5 83.56 88.21
85 83.91 88.51
85.5 84.60 89.02
86 85.31 89.59
86.5 85.60 89.83
87 86.38 90.43
87.5 86.77 90.74
88 87.43 91.22
88.5 87.77 91.47
89 88.48 92.03
89.5 89.12 92.53
90 89.44 92.81
90.5 89.77 93.02
91 90.51 93.55
91.5 90.88 93.85
92 91.20 94.08
92.5 91.97 94.58
93 92.61 95.11
93.5 92.92 95.36
94 93.53 95.73
94.5 93.99 96.05
95 94.69 96.50
95.5 95.11 96.80
96 95.76 97.20
96.5 96.26 97.51
97 96.99 97.97
97.5 98.52 98.98
98 99.60 99.71
98.5 99.71 99.79
99 99.77 99.84
99.5 99.81 99.87
100 100.00 100.00

Figure 3.C. FRB Base Score: Cumulative Percentage, by Demographic Group
Age (years)
Percent
Score Younger
than 30
30-39 40-49 50-61 62 or
older
0 0.64 0.33 0.14 0.07 0.02
0.5 0.91 0.52 0.24 0.12 0.05
1 1.70 1.12 0.62 0.34 0.10
1.5 2.51 1.80 1.02 0.63 0.18
2 4.47 3.44 2.04 1.21 0.38
2.5 5.63 4.39 2.66 1.50 0.51
3 6.61 5.11 3.18 1.80 0.60
3.5 7.44 5.85 3.66 2.04 0.67
4 8.71 6.89 4.33 2.42 0.80
4.5 9.48 7.48 4.67 2.66 0.88
5 10.91 8.61 5.40 3.10 1.03
5.5 11.63 9.14 5.81 3.33 1.13
6 12.52 9.92 6.43 3.70 1.26
6.5 13.44 10.77 7.00 4.08 1.37
7 14.45 11.67 7.57 4.51 1.53
7.5 15.21 12.34 8.07 4.84 1.65
8 16.25 13.24 8.76 5.27 1.77
8.5 17.27 14.07 9.40 5.73 1.94
9 18.07 14.84 9.99 6.08 2.11
9.5 18.84 15.52 10.49 6.39 2.25
10 19.68 16.29 11.07 6.77 2.43
10.5 20.49 17.19 11.71 7.15 2.58
11 21.40 18.06 12.39 7.56 2.74
11.5 22.17 18.75 12.95 7.91 2.94
12 23.18 19.65 13.61 8.35 3.12
12.5 23.73 20.14 14.01 8.63 3.25
13 24.69 21.00 14.77 9.12 3.46
13.5 25.17 21.48 15.10 9.35 3.58
14 25.98 22.27 15.73 9.80 3.78
14.5 26.54 22.86 16.23 10.13 3.96
15 27.39 23.66 16.93 10.56 4.17
15.5 28.06 24.25 17.44 10.90 4.34
16 29.07 25.25 18.21 11.46 4.59
16.5 29.65 25.80 18.66 11.83 4.74
17 30.55 26.64 19.37 12.37 4.96
17.5 31.18 27.20 19.82 12.69 5.10
18 32.28 28.01 20.47 13.17 5.36
18.5 32.83 28.51 20.86 13.45 5.50
19 33.69 29.25 21.56 13.92 5.77
19.5 34.47 29.86 22.01 14.29 5.96
20 35.28 30.60 22.71 14.80 6.18
20.5 35.97 31.17 23.18 15.15 6.36
21 36.79 31.99 23.76 15.69 6.63
21.5 37.32 32.54 24.21 16.03 6.80
22 38.19 33.39 24.93 16.58 7.09
22.5 38.76 33.81 25.34 16.87 7.23
23 39.64 34.64 26.03 17.38 7.57
23.5 40.22 35.17 26.45 17.83 7.79
24 41.09 35.91 27.17 18.35 8.13
24.5 41.61 36.39 27.63 18.71 8.33
25 42.57 37.19 28.33 19.28 8.65
25.5 43.08 37.68 28.82 19.63 8.87
26 43.87 38.39 29.47 20.18 9.14
26.5 44.50 38.88 29.92 20.55 9.38
27 45.27 39.62 30.64 21.05 9.68
27.5 45.85 40.10 31.09 21.46 9.93
28 46.64 40.77 31.74 22.05 10.25
28.5 47.21 41.28 32.18 22.48 10.46
29 48.06 41.96 32.77 23.16 10.80
29.5 48.71 42.43 33.22 23.57 11.07
30 49.74 43.08 33.87 24.21 11.47
30.5 50.31 43.54 34.25 24.54 11.68
31 51.05 44.12 34.86 25.05 11.99
31.5 51.69 44.53 35.24 25.45 12.26
32 52.66 45.16 35.79 25.98 12.63
32.5 53.31 45.61 36.23 26.38 12.88
33 54.41 46.28 36.79 26.91 13.24
33.5 55.08 46.74 37.22 27.40 13.47
34 55.81 47.38 37.84 28.01 13.81
34.5 56.75 47.83 38.29 28.42 14.05
35 57.57 48.48 38.91 28.99 14.46
35.5 57.98 48.85 39.19 29.25 14.63
36 58.80 49.46 39.80 29.76 14.90
36.5 59.34 49.91 40.25 30.13 15.10
37 60.17 50.50 40.88 30.67 15.43
37.5 60.73 50.87 41.26 31.01 15.64
38 61.65 51.51 41.89 31.65 15.95
38.5 62.32 51.98 42.38 32.08 16.24
39 63.41 52.71 43.04 32.68 16.59
39.5 64.21 53.09 43.47 33.08 16.81
40 65.02 53.83 44.09 33.64 17.25
40.5 65.38 54.12 44.42 33.94 17.42
41 66.14 54.71 44.96 34.46 17.81
41.5 66.90 55.17 45.38 34.88 18.06
42 67.88 55.77 45.99 35.51 18.39
42.5 68.37 56.14 46.38 35.89 18.55
43 69.05 56.79 46.96 36.46 18.93
43.5 70.03 57.33 47.49 37.05 19.27
44 70.79 58.04 48.13 37.72 19.67
44.5 71.43 58.52 48.58 38.08 19.92
45 72.12 59.12 49.21 38.57 20.20
45.5 72.63 59.60 49.67 39.03 20.49
46 73.25 60.27 50.34 39.68 20.86
46.5 73.80 60.76 50.82 40.16 21.15
47 74.51 61.40 51.44 40.79 21.58
47.5 75.01 61.73 51.78 41.12 21.75
48 75.66 62.45 52.40 41.72 22.26
48.5 76.33 62.93 52.96 42.27 22.59
49 77.08 63.65 53.60 42.99 23.02
49.5 77.59 64.12 54.13 43.54 23.38
50 78.06 64.68 54.66 44.09 23.76
50.5 78.46 65.10 55.08 44.53 24.02
51 79.15 65.63 55.70 45.13 24.43
51.5 79.50 66.04 56.06 45.54 24.69
52 80.21 66.58 56.74 46.20 25.14
52.5 80.53 66.93 57.18 46.65 25.48
53 81.09 67.47 57.81 47.32 26.03
53.5 81.71 67.92 58.27 47.84 26.40
54 82.35 68.53 58.91 48.49 26.94
54.5 82.77 68.94 59.39 49.03 27.39
55 83.43 69.58 60.14 49.83 28.02
55.5 83.60 69.82 60.37 50.08 28.21
56 84.18 70.52 61.12 50.83 28.78
56.5 84.60 70.92 61.54 51.43 29.28
57 85.14 71.41 62.06 51.96 29.80
57.5 85.59 71.86 62.58 52.50 30.21
58 86.19 72.40 63.17 53.13 30.70
58.5 86.58 72.85 63.63 53.64 31.17
59 87.04 73.58 64.36 54.43 31.86
59.5 87.22 73.81 64.63 54.71 32.08
60 87.81 74.57 65.42 55.61 32.89
60.5 88.07 74.84 65.75 55.90 33.18
61 88.31 75.32 66.24 56.50 33.74
61.5 88.95 75.79 66.79 57.14 34.44
62 89.27 76.22 67.35 57.76 35.09
62.5 89.42 76.49 67.63 58.08 35.38
63 89.77 76.97 68.22 58.75 36.04
63.5 90.10 77.45 68.77 59.42 36.71
64 90.43 77.97 69.36 60.07 37.46
64.5 90.79 78.19 69.71 60.44 37.86
65 91.27 78.66 70.31 61.08 38.54
65.5 91.66 79.22 70.99 61.73 39.27
66 92.01 79.74 71.52 62.33 40.05
66.5 92.10 80.03 71.84 62.67 40.42
67 92.38 80.50 72.51 63.40 41.18
67.5 92.50 80.76 72.80 63.78 41.61
68 92.86 81.31 73.44 64.42 42.45
68.5 92.99 81.54 73.75 64.77 42.85
69 93.38 82.11 74.34 65.57 43.71
69.5 93.78 82.67 74.98 66.31 44.56
70 94.13 82.99 75.33 66.72 45.07
70.5 94.50 83.61 75.98 67.51 46.09
71 94.61 83.87 76.31 67.88 46.50
71.5 94.87 84.40 76.90 68.69 47.51
72 94.97 84.62 77.20 69.04 47.98
72.5 95.25 85.12 77.77 69.85 48.90
73 95.36 85.41 78.12 70.22 49.39
73.5 95.56 85.96 78.79 71.06 50.27
74 95.78 86.22 79.15 71.46 50.80
74.5 96.10 86.76 79.82 72.23 51.74
75 96.23 87.00 80.15 72.61 52.29
75.5 96.48 87.51 80.78 73.38 53.37
76 96.53 87.76 81.09 73.78 53.90
76.5 96.81 88.22 81.77 74.62 54.93
77 96.89 88.46 82.05 74.97 55.44
77.5 97.13 88.93 82.69 75.67 56.64
78 97.27 89.18 82.98 76.08 57.18
78.5 97.41 89.62 83.63 76.83 58.19
79 97.52 89.86 83.94 77.23 58.77
79.5 97.69 90.36 84.61 78.11 60.08
80 97.76 90.59 84.89 78.47 60.54
80.5 97.90 90.78 85.19 78.86 61.18
81 98.02 91.23 85.75 79.70 62.33
81.5 98.08 91.45 86.07 80.09 62.83
82 98.26 91.90 86.67 80.92 63.92
82.5 98.29 92.14 86.95 81.32 64.64
83 98.38 92.60 87.50 82.04 65.64
83.5 98.59 92.85 87.86 82.49 66.55
84 98.74 93.35 88.53 83.23 67.90
84.5 98.76 93.58 88.80 83.61 68.51
85 98.80 93.75 89.09 84.01 69.14
85.5 98.89 94.13 89.65 84.68 70.29
86 98.95 94.49 90.25 85.46 71.53
86.5 98.99 94.68 90.48 85.77 72.02
87 99.10 95.13 91.09 86.61 73.30
87.5 99.13 95.32 91.36 86.99 74.11
88 99.20 95.64 91.85 87.65 75.26
88.5 99.22 95.79 92.18 88.00 75.80
89 99.29 96.18 92.73 88.77 77.02
89.5 99.34 96.48 93.27 89.49 78.13
90 99.35 96.61 93.52 89.84 78.78
90.5 99.37 96.75 93.76 90.19 79.32
91 99.40 97.07 94.24 90.95 80.74
91.5 99.44 97.26 94.44 91.31 81.53
92 99.46 97.37 94.67 91.68 82.11
92.5 99.49 97.66 95.16 92.45 83.51
93 99.57 97.85 95.43 92.83 85.36
93.5 99.58 97.92 95.66 93.15 86.05
94 99.65 98.12 96.09 93.71 87.12
94.5 99.67 98.24 96.35 94.09 88.17
95 99.69 98.44 96.72 94.81 89.59
95.5 99.72 98.56 97.04 95.26 90.33
96 99.76 98.74 97.42 95.85 91.65
96.5 99.77 98.88 97.70 96.40 92.56
97 99.80 99.13 98.12 97.08 93.99
97.5 99.82 99.43 98.96 98.40 97.46
98 99.91 99.73 99.63 99.55 99.53
98.5 99.93 99.79 99.70 99.65 99.71
99 99.97 99.84 99.77 99.72 99.76
99.5 99.97 99.88 99.81 99.77 99.81
100 100.00 100.00 100.00 100.00 100.00

Figure 3.C. FRB Base Score: Cumulative Percentage, by Demographic Group
Marital status
Percent
Score Married
male
Single
male
Married
female
Single
female
0 0.08 0.27 0.10 0.33
0.5 0.13 0.43 0.18 0.50
1 0.29 0.96 0.39 1.08
1.5 0.52 1.43 0.63 1.81
2 1.05 2.72 1.24 3.32
2.5 1.43 3.47 1.57 4.07
3 1.74 4.07 1.87 4.80
3.5 1.95 4.65 2.12 5.45
4 2.34 5.47 2.50 6.37
4.5 2.56 5.93 2.76 6.84
5 2.92 6.81 3.15 7.77
5.5 3.15 7.28 3.38 8.23
6 3.54 7.98 3.71 8.94
6.5 3.84 8.65 3.98 9.65
7 4.22 9.47 4.30 10.42
7.5 4.53 10.03 4.58 10.96
8 4.89 10.88 4.90 11.73
8.5 5.27 11.69 5.23 12.46
9 5.59 12.44 5.53 13.07
9.5 5.93 12.97 5.86 13.61
10 6.29 13.65 6.20 14.22
10.5 6.62 14.36 6.52 14.89
11 7.02 15.06 6.93 15.62
11.5 7.32 15.77 7.19 16.23
12 7.75 16.48 7.55 17.06
12.5 8.00 16.86 7.77 17.54
13 8.44 17.64 8.22 18.28
13.5 8.69 18.07 8.43 18.66
14 9.09 18.70 8.82 19.31
14.5 9.41 19.26 9.11 19.87
15 9.85 19.99 9.50 20.57
15.5 10.20 20.59 9.81 21.06
16 10.66 21.49 10.29 21.92
16.5 10.99 22.05 10.59 22.39
17 11.48 22.77 11.07 23.05
17.5 11.77 23.25 11.37 23.58
18 12.24 24.02 11.87 24.31
18.5 12.50 24.46 12.18 24.68
19 12.97 25.24 12.62 25.35
19.5 13.39 25.70 13.00 25.89
20 13.89 26.40 13.43 26.50
20.5 14.24 26.92 13.73 27.00
21 14.76 27.59 14.17 27.69
21.5 15.10 28.04 14.49 28.14
22 15.59 28.83 14.98 28.96
22.5 15.92 29.24 15.26 29.29
23 16.45 30.02 15.77 29.96
23.5 16.79 30.50 16.16 30.46
24 17.30 31.25 16.64 31.18
24.5 17.65 31.71 16.94 31.63
25 18.18 32.47 17.49 32.39
25.5 18.51 32.94 17.84 32.85
26 18.96 33.62 18.36 33.51
26.5 19.33 34.07 18.73 33.95
27 19.85 34.65 19.26 34.74
27.5 20.25 35.14 19.58 35.23
28 20.75 35.79 20.11 35.89
28.5 21.09 36.27 20.48 36.36
29 21.60 36.93 21.02 37.05
29.5 21.98 37.40 21.43 37.50
30 22.59 38.07 22.02 38.17
30.5 22.96 38.56 22.35 38.50
31 23.42 39.18 22.86 39.13
31.5 23.79 39.64 23.21 39.58
32 24.33 40.21 23.75 40.20
32.5 24.70 40.69 24.10 40.70
33 25.26 41.38 24.67 41.28
33.5 25.64 41.87 25.11 41.74
34 26.13 42.52 25.73 42.34
34.5 26.57 43.03 26.17 42.84
35 27.16 43.64 26.72 43.53
35.5 27.40 43.94 27.01 43.84
36 27.90 44.50 27.54 44.42
36.5 28.25 44.95 27.92 44.82
37 28.80 45.57 28.42 45.43
37.5 29.14 45.89 28.78 45.82
38 29.66 46.52 29.39 46.54
38.5 30.05 47.08 29.84 47.04
39 30.68 47.83 30.50 47.66
39.5 31.06 48.31 30.89 48.14
40 31.61 48.93 31.53 48.79
40.5 31.86 49.24 31.87 49.09
41 32.34 49.80 32.44 49.68
41.5 32.73 50.29 32.87 50.17
42 33.31 50.91 33.52 50.77
42.5 33.61 51.30 33.92 51.11
43 34.15 51.85 34.52 51.69
43.5 34.66 52.42 35.07 52.31
44 35.22 52.98 35.73 53.00
44.5 35.59 53.40 36.25 53.41
45 36.07 53.86 36.84 53.99
45.5 36.46 54.34 37.30 54.43
46 36.98 54.89 38.01 55.12
46.5 37.42 55.26 38.49 55.61
47 37.96 55.79 39.22 56.23
47.5 38.26 56.10 39.60 56.54
48 38.80 56.65 40.36 57.12
48.5 39.26 57.09 40.98 57.70
49 39.78 57.69 41.79 58.33
49.5 40.20 58.10 42.40 58.82
50 40.66 58.54 43.02 59.34
50.5 41.01 58.88 43.47 59.71
51 41.53 59.32 44.18 60.31
51.5 41.86 59.63 44.61 60.70
52 42.41 60.16 45.37 61.31
52.5 42.78 60.49 45.87 61.67
53 43.32 60.98 46.65 62.26
53.5 43.75 61.36 47.28 62.70
54 44.33 61.84 48.10 63.27
54.5 44.80 62.19 48.67 63.68
55 45.48 62.73 49.54 64.37
55.5 45.71 62.91 49.83 64.57
56 46.37 63.52 50.71 65.17
56.5 46.89 63.83 51.31 65.61
57 47.37 64.22 51.93 66.19
57.5 47.88 64.65 52.48 66.65
58 48.43 65.19 53.14 67.25
58.5 48.84 65.55 53.76 67.65
59 49.55 66.06 54.71 68.28
59.5 49.76 66.27 55.05 68.50
60 50.49 66.88 56.11 69.23
60.5 50.77 67.12 56.47 69.51
61 51.24 67.47 57.17 70.03
61.5 51.84 67.93 57.94 70.57
62 52.36 68.39 58.65 71.05
62.5 52.65 68.55 59.00 71.31
63 53.27 68.93 59.77 71.88
63.5 53.90 69.35 60.50 72.33
64 54.51 69.71 61.25 72.90
64.5 54.87 69.98 61.70 73.19
65 55.47 70.40 62.50 73.73
65.5 56.15 70.93 63.23 74.29
66 56.77 71.38 63.98 74.73
66.5 57.06 71.61 64.42 74.96
67 57.76 72.03 65.17 75.52
67.5 58.12 72.26 65.59 75.79
68 58.79 72.75 66.38 76.39
68.5 59.09 72.98 66.79 76.65
69 59.82 73.47 67.65 77.20
69.5 60.55 74.03 68.54 77.69
70 60.98 74.31 69.04 78.03
70.5 61.80 74.89 69.95 78.64
71 62.17 75.13 70.35 78.90
71.5 62.93 75.65 71.20 79.50
72 63.26 75.90 71.60 79.74
72.5 64.03 76.41 72.39 80.25
73 64.48 76.68 72.76 80.50
73.5 65.26 77.25 73.56 81.04
74 65.70 77.55 74.02 81.28
74.5 66.51 78.08 74.80 81.90
75 66.92 78.36 75.22 82.17
75.5 67.83 78.88 76.02 82.68
76 68.25 79.10 76.43 82.92
76.5 69.11 79.74 77.19 83.50
77 69.54 79.97 77.54 83.71
77.5 70.40 80.49 78.36 84.32
78 70.85 80.76 78.77 84.53
78.5 71.70 81.28 79.48 84.97
79 72.09 81.62 79.86 85.32
79.5 73.04 82.35 80.70 85.95
80 73.46 82.56 81.00 86.17
80.5 73.86 82.88 81.41 86.45
81 74.77 83.44 82.14 87.00
81.5 75.22 83.71 82.47 87.21
82 76.12 84.32 83.19 87.70
82.5 76.59 84.65 83.59 87.98
83 77.45 85.12 84.25 88.43
83.5 78.00 85.48 84.75 88.86
84 79.02 86.06 85.50 89.42
84.5 79.42 86.30 85.92 89.67
85 79.86 86.59 86.31 89.89
85.5 80.73 87.12 86.96 90.26
86 81.66 87.69 87.61 90.82
86.5 82.03 87.86 87.93 90.99
87 82.97 88.56 88.63 91.52
87.5 83.47 88.88 88.99 91.80
88 84.30 89.37 89.56 92.23
88.5 84.74 89.62 89.90 92.42
89 85.62 90.23 90.65 92.81
89.5 86.43 90.75 91.26 93.24
90 86.85 90.98 91.59 93.48
90.5 87.26 91.25 91.85 93.67
91 88.20 91.88 92.50 94.11
91.5 88.68 92.15 92.84 94.38
92 89.11 92.41 93.14 94.57
92.5 90.14 92.96 93.72 95.05
93 90.80 93.62 94.18 95.61
93.5 91.23 93.85 94.50 95.83
94 91.99 94.37 94.95 96.14
94.5 92.54 94.74 95.32 96.44
95 93.40 95.30 95.87 96.80
95.5 93.95 95.63 96.23 97.06
96 94.73 96.24 96.70 97.43
96.5 95.38 96.66 97.09 97.68
97 96.29 97.29 97.62 98.09
97.5 98.18 98.68 98.78 99.08
98 99.50 99.69 99.65 99.73
98.5 99.63 99.79 99.73 99.82
99 99.70 99.83 99.79 99.87
99.5 99.76 99.85 99.84 99.89
100 100.00 100.00 100.00 100.00

Figure 3.C. FRB Base Score: Cumulative Percentage, by Demographic Group
Income ratio of tract
Percent
Score Low Moderate Middle High
0 0.60 0.31 0.21 0.08
0.5 0.88 0.51 0.32 0.14
1 2.00 1.16 0.62 0.34
1.5 3.04 1.84 0.99 0.55
2 5.28 3.36 1.95 1.07
2.5 6.47 4.28 2.48 1.40
3 7.56 5.10 2.89 1.68
3.5 8.82 5.82 3.28 1.87
4 10.39 6.81 3.89 2.19
4.5 11.14 7.42 4.23 2.38
5 13.08 8.56 4.86 2.74
5.5 13.94 9.09 5.20 2.95
6 14.94 9.94 5.70 3.23
6.5 16.09 10.78 6.20 3.48
7 17.42 11.75 6.71 3.79
7.5 18.11 12.46 7.15 4.01
8 19.54 13.36 7.73 4.32
8.5 21.10 14.31 8.31 4.61
9 22.29 15.04 8.76 4.92
9.5 23.35 15.76 9.20 5.18
10 24.27 16.54 9.69 5.51
10.5 25.61 17.41 10.21 5.78
11 26.77 18.23 10.82 6.10
11.5 28.11 18.96 11.32 6.37
12 29.12 19.82 11.88 6.74
12.5 29.87 20.35 12.20 6.94
13 31.19 21.32 12.81 7.32
13.5 31.84 21.70 13.13 7.50
14 33.19 22.58 13.69 7.80
14.5 33.94 23.17 14.10 8.04
15 35.19 23.98 14.68 8.33
15.5 36.00 24.61 15.09 8.59
16 37.18 25.63 15.77 9.00
16.5 37.96 26.13 16.15 9.28
17 38.80 26.92 16.75 9.70
17.5 39.44 27.39 17.16 9.96
18 40.30 28.19 17.77 10.38
18.5 40.79 28.65 18.11 10.64
19 41.61 29.45 18.69 11.00
19.5 42.30 29.95 19.15 11.32
20 43.17 30.70 19.72 11.69
20.5 43.81 31.22 20.13 12.01
21 44.49 31.97 20.71 12.42
21.5 44.99 32.48 21.11 12.69
22 45.92 33.28 21.75 13.12
22.5 46.36 33.70 22.10 13.38
23 47.07 34.49 22.73 13.84
23.5 47.62 35.04 23.16 14.14
24 48.58 35.82 23.75 14.61
24.5 49.12 36.30 24.15 14.90
25 49.94 37.08 24.80 15.40
25.5 50.60 37.59 25.19 15.67
26 51.37 38.33 25.73 16.13
26.5 51.96 38.81 26.15 16.48
27 52.56 39.54 26.75 16.96
27.5 53.06 40.06 27.16 17.30
28 53.72 40.74 27.74 17.79
28.5 54.06 41.19 28.15 18.16
29 54.67 41.87 28.76 18.65
29.5 55.21 42.36 29.19 19.01
30 55.89 43.06 29.81 19.59
30.5 56.27 43.46 30.20 19.89
31 56.90 44.06 30.74 20.31
31.5 57.31 44.49 31.14 20.67
32 57.97 45.10 31.70 21.19
32.5 58.68 45.53 32.12 21.56
33 59.21 46.19 32.75 22.09
33.5 59.66 46.66 33.18 22.50
34 60.48 47.28 33.74 23.09
34.5 60.83 47.77 34.20 23.55
35 61.41 48.39 34.78 24.14
35.5 61.71 48.68 35.07 24.44
36 62.21 49.28 35.64 25.01
36.5 62.65 49.68 36.01 25.37
37 63.23 50.28 36.57 25.92
37.5 63.65 50.68 36.97 26.35
38 64.15 51.29 37.56 26.95
38.5 64.70 51.81 38.01 27.40
39 65.29 52.43 38.66 28.05
39.5 65.68 52.84 39.12 28.47
40 66.18 53.49 39.77 29.15
40.5 66.37 53.78 40.06 29.41
41 66.95 54.34 40.57 29.95
41.5 67.32 54.76 41.00 30.42
42 67.68 55.36 41.59 31.03
42.5 67.93 55.70 41.94 31.40
43 68.44 56.17 42.48 32.03
43.5 69.06 56.83 43.07 32.65
44 69.60 57.46 43.66 33.32
44.5 70.03 57.89 44.05 33.76
45 70.48 58.36 44.58 34.32
45.5 70.83 58.73 45.00 34.79
46 71.20 59.25 45.58 35.43
46.5 71.73 59.69 46.05 35.92
47 72.07 60.24 46.63 36.57
47.5 72.39 60.53 46.99 36.93
48 72.82 61.05 47.59 37.62
48.5 73.32 61.49 48.06 38.21
49 73.80 61.96 48.67 38.98
49.5 74.12 62.33 49.14 39.49
50 74.46 62.75 49.61 40.05
50.5 74.80 63.15 50.01 40.48
51 75.18 63.58 50.59 41.13
51.5 75.38 63.89 50.92 41.54
52 75.78 64.36 51.48 42.26
52.5 76.05 64.66 51.84 42.73
53 76.39 65.13 52.41 43.39
53.5 76.79 65.55 52.84 43.93
54 77.07 66.03 53.44 44.63
54.5 77.34 66.46 53.88 45.18
55 77.75 67.01 54.59 45.97
55.5 77.91 67.18 54.78 46.24
56 78.23 67.65 55.40 47.07
56.5 78.52 68.00 55.91 47.65
57 78.93 68.40 56.42 48.29
57.5 79.32 68.77 56.88 48.85
58 79.73 69.29 57.43 49.51
58.5 80.02 69.67 57.86 50.04
59 80.36 70.16 58.49 50.88
59.5 80.50 70.36 58.70 51.16
60 81.04 70.91 59.47 52.14
60.5 81.20 71.14 59.75 52.47
61 81.37 71.50 60.23 53.02
61.5 81.92 72.04 60.88 53.78
62 82.13 72.45 61.39 54.43
62.5 82.20 72.62 61.65 54.74
63 82.53 73.01 62.19 55.41
63.5 82.73 73.36 62.76 56.06
64 83.20 73.75 63.30 56.81
64.5 83.42 74.00 63.66 57.22
65 83.76 74.45 64.22 57.93
65.5 84.10 74.96 64.80 58.79
66 84.22 75.37 65.34 59.50
66.5 84.33 75.57 65.61 59.85
67 84.69 75.96 66.19 60.61
67.5 84.85 76.16 66.49 61.00
68 85.24 76.57 67.13 61.79
68.5 85.31 76.75 67.39 62.17
69 85.73 77.35 68.15 63.19
69.5 86.07 77.77 68.80 64.02
70 86.37 78.18 69.25 64.55
70.5 86.74 78.68 69.92 65.47
71 86.79 78.89 70.20 65.86
71.5 87.11 79.36 70.84 66.61
72 87.20 79.55 71.14 66.96
72.5 87.58 79.95 71.78 67.72
73 87.69 80.16 72.13 68.12
73.5 87.96 80.61 72.79 68.89
74 88.14 80.83 73.15 69.33
74.5 88.39 81.36 73.80 70.19
75 88.56 81.63 74.13 70.60
75.5 88.82 82.10 74.76 71.41
76 88.95 82.30 75.08 71.77
76.5 89.37 82.73 75.76 72.57
77 89.46 82.89 76.06 72.97
77.5 89.77 83.36 76.72 73.79
78 89.92 83.62 77.06 74.21
78.5 90.33 84.29 77.88 75.26
79 90.50 84.53 78.25 75.63
79.5 90.71 84.97 79.03 76.56
80 90.85 85.18 79.32 76.91
80.5 91.06 85.41 79.67 77.34
81 91.36 85.87 80.32 78.13
81.5 91.44 86.06 80.64 78.49
82 91.60 86.54 81.29 79.27
82.5 91.76 86.77 81.64 79.72
83 91.97 87.14 82.24 80.40
83.5 92.86 87.88 83.10 81.30
84 93.16 88.34 83.85 82.17
84.5 93.28 88.56 84.17 82.55
85 93.36 88.76 84.49 82.92
85.5 93.67 89.20 85.12 83.62
86 93.95 89.64 85.78 84.38
86.5 94.05 89.81 86.04 84.69
87 94.34 90.33 86.73 85.53
87.5 94.54 90.62 87.13 85.92
88 94.78 91.04 87.75 86.54
88.5 94.85 91.26 88.06 86.89
89 95.02 91.77 88.72 87.71
89.5 95.22 92.17 89.32 88.37
90 95.32 92.38 89.62 88.71
90.5 95.41 92.54 89.91 88.99
91 95.73 92.97 90.58 89.72
91.5 96.16 93.33 91.06 90.28
92 96.27 93.52 91.35 90.61
92.5 96.61 93.91 92.00 91.33
93 97.47 95.14 93.25 92.69
93.5 97.56 95.31 93.56 93.00
94 97.75 95.68 94.08 93.62
94.5 98.07 96.04 94.60 94.16
95 98.27 96.50 95.19 94.83
95.5 98.36 96.77 95.56 95.26
96 98.61 97.23 96.13 95.85
96.5 98.76 97.53 96.53 96.32
97 98.98 98.05 97.20 97.00
97.5 99.40 98.99 98.57 98.44
98 99.87 99.79 99.63 99.63
98.5 99.92 99.84 99.74 99.71
99 99.93 99.88 99.80 99.77
99.5 99.93 99.91 99.84 99.81
100 100.00 100.00 100.00 100.00

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