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

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

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Tables for Overview Figures

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

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

Figure O--1. Mean TransRisk Score, by Demographic Group
Race or ethnicity (SSA data)

	Score
Non-Hispanic white	54.0
Black	25.6
Hispanic	38.2
Asian	54.8

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

	Score
Male	48.8
Female	50.4

Figure O--1. Mean TransRisk Score, by Demographic Group
Age (years)

	Score
Less than 30	34.3
30-39	39.8
40-49	46.9
50-61	54.5
More than 61	68.1

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

	Score
Married male	55.7
Single male	43.4
Married female	57.5
Single female	44.8

Figure O--1. Mean TransRisk Score, by Demographic Group
Income ratio of tract

	Score
Low	32.5
Moderate	40.7
Middle	50.4
High	57.9

Figure O--1. Mean TransRisk Score, by Demographic Group
Minority percent of tract

	Score
Less than 10	55.7
10-49	49.6
50-79	40.6
80 or more	34.6

Return to figure

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

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

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Race or ethnicity (SSA data)
Percent

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

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Race or ethnicity (location-based distribution)
Percent

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

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

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

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Age (years)
Percent

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

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

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

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Income ratio of tract
Percent

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

Return to figure

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

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

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Race or ethnicity (SSA data)
Percent bad

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

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Race or ethnicity (location-based distribution)
Percent bad

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

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

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

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

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

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

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

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

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

Return to figure

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

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

Figure O--4. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Race or ethnicity (SSA data)
Percent denied

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

Figure O--4. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Race or ethnicity (location-based distribution)
Percent denied

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

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

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

Figure O--4. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Age (years)
Percent denied

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

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

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

Figure O--4. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Income ratio of tract
Percent denied

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

Return to figure

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

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

Figure O--5. TransRisk Score: Mortgage Interest Rate, by Demographic Group
Race or ethnicity (SSA data)
Interest rate (percent)

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

Figure O--5. TransRisk Score: Mortgage Interest Rate, by Demographic Group
Race or ethnicity (location-based distribution)
Interest rate (percent)

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

Figure O--5. TransRisk Score: Mortgage Interest Rate, by Demographic Group
Sex
Interest rate (percent)

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

Figure O--5. TransRisk Score: Mortgage Interest Rate, by Demographic Group
Age (years)
Interest rate (percent)

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

Figure O--5. TransRisk Score: Mortgage Interest Rate, by Demographic Group
Marital status
Interest rate (percent)

Score	Married male	Single male	Married female	Single female
0				11.87
0.5			11.19
1	10.36	9.22	11.09	11.63
1.5		9.23		11.51
2	10.27	9.25	10.90	11.39
2.5		9.26	10.80	11.27
3	10.17		10.71	11.14
3.5	10.13		10.61	11.02
4	10.08	9.29	10.51	10.90
4.5				10.78
5	9.99	9.32	10.32	10.66
5.5	9.94	9.33	10.22	10.54
6	9.89	9.34	10.13	10.42
6.5	9.85		10.03
7	9.80	9.37	9.93	10.18
7.5	9.75	9.38		10.06
8	9.71	9.39	9.74	9.94
8.5	9.66	9.40	9.64	9.81
9	9.61	9.42		9.69
9.5	9.56	9.43	9.45	9.57
10	9.52	9.44	9.35	9.45
10.5	9.50	9.42	9.33	9.43
11	9.48	9.40	9.31	9.40
11.5	9.47	9.38	9.28	9.38
12	9.45	9.35	9.26	9.36
12.5	9.43	9.33	9.23	9.33
13	9.41	9.31	9.21	9.31
13.5	9.40	9.29	9.19	9.28
14	9.38	9.27	9.16	9.26
14.5	9.36	9.25	9.14	9.23
15	9.34	9.23	9.11	9.21
15.5	9.33	9.20	9.09	9.19
16	9.31	9.18	9.07	9.16
16.5	9.29	9.16	9.04	9.14
17	9.28	9.14	9.02	9.11
17.5	9.26	9.12	8.99	9.09
18	9.24	9.10	8.97	9.07
18.5	9.22	9.07	8.95	9.04
19	9.21	9.05	8.92	9.02
19.5	9.19	9.03	8.90	8.99
20	9.17	9.01	8.87	8.97
20.5	9.12	8.98	8.86	8.92
21	9.07	8.96	8.84	8.88
21.5	9.02	8.93	8.82	8.84
22	8.97	8.90	8.80	8.79
22.5	8.92	8.87	8.78	8.75
23	8.87	8.85	8.77	8.71
23.5	8.82	8.82	8.75	8.66
24	8.77	8.79	8.73	8.62
24.5	8.71	8.76	8.71	8.58
25	8.66	8.74	8.69	8.53
25.5	8.61	8.71	8.68	8.49
26	8.56	8.68	8.66	8.45
26.5	8.51	8.65	8.64	8.40
27	8.46	8.63	8.62	8.36
27.5	8.41	8.60	8.60	8.32
28	8.36	8.57	8.59	8.27
28.5	8.31	8.55	8.57	8.23
29	8.26	8.52	8.55	8.19
29.5	8.21	8.49	8.53	8.14
30	8.16	8.46	8.51	8.10
30.5	8.16	8.43	8.49	8.10
31	8.17	8.39	8.47	8.09
31.5	8.17	8.35	8.45	8.09
32	8.17	8.31	8.43	8.09
32.5	8.18	8.28	8.41	8.09
33	8.18	8.24	8.39	8.08
33.5	8.19	8.20	8.36	8.08
34	8.19	8.17	8.34	8.08
34.5	8.20	8.13	8.32	8.07
35	8.20	8.09	8.30	8.07
35.5	8.21	8.05	8.28	8.07
36	8.21	8.02	8.26	8.07
36.5	8.21	7.98	8.24	8.06
37	8.22	7.94	8.22	8.06
37.5	8.22	7.91	8.19	8.06
38	8.23	7.87	8.17	8.06
38.5	8.23	7.83	8.15	8.05
39	8.24	7.79	8.13	8.05
39.5	8.24	7.76	8.11	8.05
40	8.25	7.72	8.09	8.05
40.5	8.21	7.71	8.08	8.03
41	8.18	7.70	8.07	8.02
41.5	8.15	7.69	8.06	8.01
42	8.11	7.69	8.05	8.00
42.5	8.08	7.68	8.04	7.98
43	8.05	7.67	8.03	7.97
43.5	8.01	7.66	8.02	7.96
44	7.98	7.65	8.02	7.95
44.5	7.95	7.64	8.01	7.94
45	7.91	7.63	8.00	7.92
45.5	7.88	7.63	7.99	7.91
46	7.85	7.62	7.98	7.90
46.5	7.81	7.61	7.97	7.89
47	7.78	7.60	7.96	7.87
47.5	7.75	7.59	7.95	7.86
48	7.71	7.58	7.94	7.85
48.5	7.68	7.58	7.93	7.84
49	7.65	7.57	7.92	7.83
49.5	7.61	7.56	7.91	7.81
50	7.58	7.55	7.91	7.80
50.5	7.59	7.55	7.90	7.80
51	7.60	7.54	7.89	7.80
51.5	7.61	7.54	7.88	7.80
52	7.62	7.53	7.87	7.80
52.5	7.64	7.53	7.86	7.80
53	7.65	7.53	7.85	7.80
53.5	7.66	7.52	7.84	7.80
54	7.67	7.52	7.83	7.80
54.5	7.68	7.51	7.82	7.81
55	7.69	7.51	7.81	7.81
55.5	7.70	7.51	7.80	7.81
56	7.71	7.50	7.79	7.81
56.5	7.73	7.50	7.78	7.81
57	7.74	7.50	7.77	7.81
57.5	7.75	7.49	7.76	7.81
58	7.76	7.49	7.75	7.81
58.5	7.77	7.48	7.74	7.81
59	7.78	7.48	7.73	7.81
59.5	7.79	7.48	7.72	7.81
60	7.81	7.47	7.71	7.81
60.5	7.79	7.48	7.70	7.79
61	7.77	7.48	7.68	7.78
61.5	7.76	7.49	7.67	7.76
62	7.74	7.50	7.65	7.74
62.5	7.73	7.50	7.64	7.73
63	7.71	7.51	7.63	7.71
63.5	7.69	7.52	7.61	7.69
64	7.68	7.52	7.60	7.68
64.5	7.66	7.53	7.58	7.66
65	7.65	7.54	7.57	7.64
65.5	7.63	7.54	7.55	7.63
66	7.61	7.55	7.54	7.61
66.5	7.60	7.56	7.53	7.59
67	7.58	7.56	7.51	7.58
67.5	7.57	7.57	7.50	7.56
68	7.55	7.57	7.48	7.54
68.5	7.53	7.58	7.47	7.53
69	7.52	7.59	7.46	7.51
69.5	7.50	7.59	7.44	7.49
70	7.49	7.60	7.43	7.48
70.5	7.49	7.59	7.43	7.47
71	7.49	7.57	7.44	7.46
71.5	7.49	7.56	7.44	7.45
72	7.49	7.55	7.44	7.44
73	7.50	7.52	7.45	7.42
73.5	7.50	7.51	7.45	7.41
74	7.50	7.50	7.46	7.40
74.5	7.50	7.49	7.46	7.39
75	7.50	7.47	7.46	7.38
75.5	7.50	7.46	7.47	7.37
76	7.51	7.45	7.47	7.36
76.5	7.51	7.43	7.48	7.35
77	7.51	7.42	7.48	7.34
78	7.51	7.40	7.49	7.32
78.5	7.52	7.38	7.49	7.31
79	7.52	7.37	7.49	7.30
79.5	7.52	7.36	7.50	7.30
80	7.52	7.35	7.50	7.29
80.5	7.51	7.37	7.50	7.28
81	7.49	7.38	7.50	7.28
81.5	7.48	7.40	7.49	7.27
82	7.46	7.42	7.49	7.27
82.5	7.45	7.44	7.49	7.26
83	7.44	7.46	7.48	7.26
83.5	7.42	7.48	7.48	7.25
84	7.41	7.50	7.48	7.25
84.5	7.39	7.52	7.47	7.24
85	7.38	7.54	7.47	7.24
85.5	7.36	7.56	7.47	7.24
86	7.35	7.58	7.46	7.23
86.5	7.34	7.60	7.46	7.23
87	7.32	7.62	7.46	7.22
87.5	7.31	7.64	7.45	7.22
88	7.29	7.66	7.45	7.21
88.5	7.28	7.68	7.45	7.21
89	7.27	7.70	7.44	7.20
89.5	7.25	7.72	7.44	7.20
90	7.24	7.74	7.44	7.20
90.5	7.26	7.74	7.44	7.21
91	7.28	7.74	7.44	7.22
91.5	7.29	7.75	7.44	7.23
92	7.31	7.75	7.44	7.24
93	7.35	7.75	7.44	7.27
93.5	7.37	7.75	7.44	7.28
94	7.39	7.75	7.44	7.29
94.5	7.41	7.75	7.44	7.30
95	7.43	7.75	7.44	7.31
95.5	7.45	7.76	7.44	7.32
96	7.47	7.76	7.44	7.34
96.5	7.49	7.76	7.44	7.35
97	7.51	7.76	7.44	7.36
97.5	7.53	7.76	7.44	7.37
98	7.55	7.76	7.45	7.38
98.5	7.57	7.76	7.45	7.39
99	7.59	7.76	7.45	7.41
99.5	7.61	7.77	7.45
100				7.43

Figure O--5. TransRisk Score: Mortgage Interest Rate, by Demographic Group
Income ratio of tract
Interest rate (percent)

Score	Low	Moderate	Middle	High
0		10.00
0.5		10.00
1	9.85		10.59	10.34
1.5	9.77		10.52
2		9.99	10.45	10.18
2.5		9.99	10.39	10.11
3		9.99	10.32	10.03
3.5		9.98	10.26
4		9.98	10.19	9.88
4.5		9.98	10.12
5		9.97	10.06	9.72
5.5		9.97	9.99	9.64
6	9.08	9.97	9.93	9.57
6.5		9.97	9.86	9.49
7	8.92	9.96	9.79	9.41
7.5		9.96	9.73	9.34
8	8.77	9.96	9.66	9.26
8.5		9.96	9.60	9.18
9		9.95	9.53	9.11
9.5	8.54	9.95	9.46	9.03
10	8.46	9.95	9.40	8.95
10.5		9.91	9.38	8.93
11		9.87	9.36	8.90
11.5		9.83	9.34	8.87
12	8.56	9.79	9.32	8.85
12.5	8.59	9.75	9.30	8.82
13		9.71	9.28	8.79
13.5		9.67	9.26	8.77
14	8.66	9.64	9.24	8.74
14.5	8.69	9.60	9.22	8.71
15	8.72	9.56	9.20	8.69
15.5		9.52	9.18	8.66
16	8.77	9.48	9.16	8.63
16.5		9.44	9.14	8.61
17		9.40	9.12	8.58
17.5	8.84	9.36	9.10	8.55
18	8.87	9.32	9.08	8.53
18.5	8.90	9.28	9.06	8.50
19	8.92	9.25	9.04	8.47
19.5	8.95	9.21	9.02	8.45
20		9.17	9.00	8.42
20.5	8.95	9.14	8.97	8.40
21		9.12	8.94	8.38
21.5	8.90	9.10	8.91	8.36
22	8.87	9.07	8.88	8.34
22.5	8.85	9.05	8.85	8.32
23	8.82	9.03	8.82	8.30
23.5	8.80	9.00	8.78	8.28
24	8.77	8.98	8.75	8.26
24.5	8.75	8.96	8.72	8.24
25	8.72	8.93	8.69	8.22
25.5	8.70	8.91	8.66	8.20
26	8.67	8.89	8.63	8.18
26.5	8.65	8.86	8.60	8.16
27	8.62	8.84	8.57	8.14
27.5	8.60	8.82	8.54	8.12
28	8.57	8.79	8.51	8.10
28.5	8.55	8.77	8.48	8.08
29		8.75	8.45	8.06
29.5	8.50	8.72	8.42	8.04
30	8.47	8.70	8.38	8.02
30.5	8.47	8.68	8.37	8.01
31	8.47	8.65	8.36	8.00
31.5	8.46	8.63	8.35	8.00
32	8.46	8.61	8.34	7.99
32.5		8.58	8.33	7.98
33	8.45	8.56	8.32	7.98
33.5		8.54	8.31	7.97
34	8.45	8.51	8.30	7.96
34.5	8.44	8.49	8.29	7.95
35	8.44	8.47	8.28	7.95
35.5	8.44	8.44	8.27	7.94
36	8.43	8.42	8.26	7.93
36.5	8.43	8.40	8.25	7.93
37	8.43	8.37	8.24	7.92
37.5		8.35	8.23	7.91
38	8.42	8.32	8.22	7.91
38.5		8.30	8.21	7.90
39	8.41	8.28	8.20	7.89
39.5	8.41	8.25	8.19	7.89
40	8.41	8.23	8.18	7.88
40.5	8.38	8.22	8.16	7.85
41	8.35	8.21	8.14	7.83
41.5	8.32	8.21	8.11	7.80
42	8.29	8.20	8.09	7.77
42.5	8.26	8.19	8.07	7.75
43	8.23	8.18	8.05	7.72
43.5		8.18	8.03	7.69
44	8.17	8.17	8.01	7.66
44.5	8.14	8.16	7.99	7.64
45	8.11	8.15	7.96	7.61
45.5	8.08	8.14	7.94	7.58
46	8.05	8.14	7.92	7.56
46.5	8.02	8.13	7.90	7.53
47	7.99	8.12	7.88	7.50
47.5		8.11	7.86	7.47
48	7.93	8.10	7.84	7.45
48.5		8.10	7.81	7.42
49	7.87	8.09	7.79	7.39
49.5		8.08	7.77	7.37
50	7.81	8.07	7.75	7.34
50.5	7.80	8.05	7.75	7.36
51	7.80	8.02	7.75	7.39
51.5		8.00	7.74	7.41
52	7.80	7.98	7.74	7.43
52.5	7.80	7.95	7.74	7.46
53	7.80	7.93	7.74	7.48
53.5	7.80	7.91	7.74	7.50
54	7.80	7.88	7.73	7.53
54.5		7.86	7.73	7.55
55	7.80	7.84	7.73	7.57
55.5	7.80	7.81	7.73	7.60
56	7.80	7.79	7.72	7.62
56.5		7.76	7.72	7.64
57		7.74	7.72	7.67
57.5		7.72	7.72	7.69
58	7.79	7.69	7.72	7.71
58.5	7.79	7.67	7.71	7.74
59	7.79	7.65	7.71	7.76
59.5	7.79	7.62	7.71	7.78
60	7.79	7.60	7.71	7.81
60.5		7.60	7.70	7.78
61	7.82	7.60	7.69	7.76
61.5	7.84	7.60	7.68	7.74
62	7.85	7.61	7.67	7.71
62.5	7.87	7.61	7.66	7.69
63	7.89	7.61	7.65	7.67
63.5		7.61	7.64	7.64
64		7.61	7.63	7.62
64.5		7.62	7.62	7.60
65	7.95	7.62	7.61	7.57
65.5	7.97	7.62	7.60	7.55
66	7.98	7.62	7.59	7.53
66.5		7.62	7.58	7.50
67		7.62	7.57	7.48
67.5	8.03	7.63	7.56	7.46
68	8.05	7.63	7.55	7.43
68.5	8.07	7.63	7.54	7.41
69		7.63	7.53	7.39
69.5		7.63	7.52	7.36
70	8.12	7.63	7.51	7.34
70.5	8.06	7.63	7.51	7.34
71		7.63	7.51	7.34
71.5		7.63	7.51	7.34
72	7.89	7.63	7.50	7.34
73	7.78	7.63	7.50	7.34
73.5		7.63	7.50	7.34
74	7.66	7.62	7.49	7.34
74.5	7.61	7.62	7.49	7.34
75	7.55	7.62	7.49	7.34
75.5	7.49	7.62	7.49	7.34
76		7.62	7.49	7.34
76.5		7.62	7.48	7.34
77	7.32	7.62	7.48	7.34
78	7.21	7.61	7.48	7.34
78.5		7.61	7.48	7.34
79		7.61	7.47	7.34
79.5	7.04	7.61	7.47	7.34
80	6.99	7.61	7.47	7.34
80.5		7.60	7.47	7.33
81	6.89	7.58	7.48	7.33
81.5	6.85	7.57	7.48	7.32
82	6.80	7.56	7.48	7.32
82.5		7.54	7.49	7.32
83		7.53	7.49	7.31
83.5	6.66	7.52	7.49	7.31
84		7.50	7.50	7.30
84.5	6.57	7.49	7.50	7.30
85		7.48	7.50	7.30
85.5	6.48	7.46	7.51	7.29
86		7.45	7.51	7.29
86.5	6.39	7.44	7.51	7.28
87		7.42	7.52	7.28
87.5		7.41	7.52	7.28
88		7.40	7.52	7.27
88.5	6.20	7.38	7.53	7.27
89	6.16	7.37	7.53	7.26
89.5	6.11	7.36	7.53	7.26
90		7.34	7.54	7.26
90.5		7.34	7.53	7.29
91		7.34	7.52	7.32
91.5		7.34	7.52	7.35
92	6.71	7.33	7.51	7.38
93		7.33	7.49	7.44
93.5		7.33	7.48	7.47
94	7.36	7.32	7.48	7.50
94.5		7.32	7.47	7.53
95		7.32	7.46	7.56
95.5			7.45	7.59
96		7.32	7.45	7.61
96.5		7.31	7.44	7.64
97	8.33	7.31	7.43	7.67
97.5	8.49	7.31	7.42	7.70
98	8.65	7.31	7.42	7.73
98.5		7.30	7.41	7.76
99		7.30	7.40	7.79
99.5			7.39	7.82
100			7.39

Return to figure

Figure O--6. TransRisk Score: Auto Loan Interest Rate, by Demographic Group

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

Figure O--6. TransRisk Score: Auto Loan Interest Rate, by Demographic Group
Race or ethnicity (SSA data)
Interest rate (percent)

Score	Non- Hispanic white	Black	Hispanic	Asian
0.5	17.84	20.10	16.83	17.35
1	17.69	19.93	16.80	17.27
1.5	17.54	19.76	16.77	17.18
2	17.39	19.59	16.75	17.10
2.5	17.25	19.42	16.72	17.02
3	17.10	19.25	16.69	16.94
3.5	16.95	19.08	16.67	16.85
4	16.80	18.90	16.64	16.77
4.5	16.65	18.73	16.61	16.69
5	16.50	18.56	16.58	16.61
5.5	16.36	18.39	16.56	16.52
6	16.21	18.22	16.53	16.44
6.5	16.06	18.05	16.50	16.36
7	15.91	17.88	16.48	16.28
7.5	15.76	17.71	16.45	16.20
8	15.62	17.54	16.42	16.11
8.5	15.47	17.37	16.40	16.03
9	15.32	17.20	16.37	15.95
9.5	15.17	17.03	16.34	15.87
10	15.02	16.86	16.32	15.78
10.5	14.88	16.72	16.10	15.51
11	14.74	16.58	15.88	15.24
11.5	14.60	16.44	15.66	14.96
12	14.45	16.30	15.45	14.69
12.5	14.31	16.16	15.23	14.41
13	14.17	16.02	15.01	14.14
13.5	14.03	15.88	14.80	13.86
14	13.88	15.74	14.58	13.59
14.5	13.74	15.60	14.36	13.32
15	13.60	15.46	14.14	13.04
15.5	13.45	15.32	13.93	12.77
16	13.31	15.18	13.71	12.49
16.5	13.17	15.04	13.49	12.22
17	13.03	14.90	13.28	11.94
17.5	12.88	14.76	13.06	11.67
18	12.74	14.62	12.84	11.40
18.5	12.60	14.48	12.63	11.12
19	12.46	14.34	12.41	10.85
19.5	12.31	14.20	12.19	10.57
20	12.17	14.06	11.97	10.30
20.5	12.01	13.88	11.87	10.18
21	11.85	13.70	11.76	10.06
21.5	11.69	13.53	11.66	9.94
22	11.53	13.35	11.55	9.82
22.5	11.37	13.17	11.44	9.70
23	11.20	13.00	11.34	9.58
23.5	11.04	12.82	11.23	9.46
24	10.88	12.64	11.13	9.34
24.5	10.72	12.47	11.02	9.23
25	10.56	12.29	10.91	9.11
25.5	10.40	12.11	10.81	8.99
26	10.24	11.94	10.70	8.87
26.5	10.08	11.76	10.60	8.75
27	9.92	11.58	10.49	8.63
27.5	9.75	11.41	10.39	8.51
28	9.59	11.23	10.28	8.39
28.5	9.43	11.06	10.17	8.27
29	9.27	10.88	10.07	8.15
29.5	9.11	10.70	9.96	8.03
30	8.95	10.53	9.86	7.91
30.5	8.85	10.39	9.75	7.84
31	8.75	10.25	9.64	7.77
31.5	8.66	10.11	9.54	7.69
32	8.56	9.97	9.43	7.62
32.5	8.46	9.84	9.33	7.55
33	8.36	9.70	9.22	7.47
33.5	8.27	9.56	9.12	7.40
34	8.17	9.42	9.01	7.33
34.5	8.07	9.28	8.91	7.25
35	7.97	9.15	8.80	7.18
35.5	7.88	9.01	8.70	7.11
36	7.78	8.87	8.59	7.03
36.5	7.68	8.73	8.49	6.96
37	7.58	8.59	8.38	6.88
37.5	7.49	8.45	8.28	6.81
38	7.39	8.32	8.17	6.74
38.5	7.29	8.18	8.07	6.66
39	7.19	8.04	7.96	6.59
39.5	7.10	7.90	7.86	6.52
40	7.00	7.76	7.75	6.44
40.5	6.97	7.70	7.74	6.43
41	6.95	7.64	7.73	6.41
41.5	6.93	7.58	7.72	6.39
42	6.90	7.51	7.72	6.37
42.5	6.88	7.45	7.71	6.35
43	6.85	7.39	7.70	6.33
43.5	6.83	7.32	7.69	6.32
44	6.80	7.26	7.68	6.30
44.5	6.78	7.20	7.67	6.28
45	6.75	7.13	7.66	6.26
45.5	6.73	7.07	7.66	6.24
46	6.71	7.01	7.65	6.22
46.5	6.68	6.94	7.64	6.20
47	6.66	6.88	7.63	6.19
47.5	6.63	6.82	7.62	6.17
48	6.61	6.75	7.61	6.15
48.5	6.58	6.69	7.60	6.13
49	6.56	6.63	7.60	6.11
49.5	6.53	6.56	7.59	6.09
50	6.51	6.50	7.58	6.08
50.5	6.47	6.51	7.52	6.06
51	6.44	6.53	7.45	6.04
51.5	6.40	6.54	7.39	6.03
52	6.36	6.55	7.33	6.01
52.5	6.33	6.56	7.27	6.00
53	6.29	6.58	7.21	5.98
53.5	6.25	6.59	7.15	5.96
54	6.22	6.60	7.09	5.95
54.5	6.18	6.62	7.02	5.93
55	6.14	6.63	6.96	5.92
55.5	6.11	6.64	6.90	5.90
56	6.07	6.65	6.84	5.88
56.5	6.03	6.67	6.78	5.87
57	6.00	6.68	6.72	5.85
57.5	5.96	6.69	6.65	5.84
58	5.92	6.70	6.59	5.82
58.5	5.89	6.72	6.53	5.81
59	5.85	6.73	6.47	5.79
59.5	5.81	6.74	6.41	5.77
60	5.78	6.76	6.35	5.76
60.5	5.76	6.75	6.36	5.76
61	5.75	6.75	6.38	5.77
61.5	5.73	6.75	6.39	5.78
62	5.72	6.75	6.41	5.78
62.5	5.70	6.75	6.42	5.79
63	5.69	6.75	6.44	5.80
63.5	5.68	6.75	6.45	5.80
64	5.66	6.75	6.47	5.81
64.5	5.65	6.75	6.49	5.81
65	5.63	6.75	6.50	5.82
65.5	5.62	6.75	6.52	5.83
66	5.60	6.74	6.53	5.83
66.5	5.59	6.74	6.55	5.84
67	5.57	6.74	6.56	5.85
67.5	5.56	6.74	6.58	5.85
68	5.55	6.74	6.59	5.86
68.5	5.53	6.74	6.61	5.86
69	5.52	6.74	6.62	5.87
69.5	5.50	6.74	6.64	5.88
70	5.49	6.74	6.66	5.88
70.5	5.49	6.75	6.63	5.82
71	5.48	6.75	6.61	5.76
71.5	5.48	6.76	6.58	5.70
72	5.48	6.77	6.55	5.64
73	5.48	6.79	6.50	5.52
73.5	5.48	6.80	6.48	5.46
74	5.48	6.81	6.45	5.39
74.5	5.47	6.82	6.43	5.33
75	5.47	6.82	6.40	5.27
75.5	5.47	6.83	6.38	5.21
76	5.47	6.84	6.35	5.15
76.5	5.47	6.85	6.33	5.09
77	5.47	6.86	6.30	5.03
78	5.47	6.88	6.25	4.91
78.5	5.46	6.89	6.23	4.85
79	5.46	6.89	6.20	4.78
79.5	5.46	6.90	6.18	4.72
80	5.46	6.91	6.15	4.66
80.5	5.45	6.80	6.13	4.68
81	5.44	6.68	6.11	4.70
81.5	5.43	6.57	6.09	4.72
82	5.43	6.45	6.07	4.74
82.5	5.42	6.34	6.05	4.76
83	5.41	6.23	6.03	4.78
83.5	5.40	6.11	6.01	4.80
84	5.39	6.00	5.99	4.82
84.5	5.38	5.88	5.97	4.84
85	5.38	5.77	5.94	4.86
85.5	5.37	5.65	5.92	4.88
86	5.36	5.54	5.90	4.90
86.5	5.35	5.42	5.88	4.92
87	5.34	5.31	5.86	4.94
87.5	5.33	5.20	5.84	4.96
88	5.33	5.08	5.82	4.98
88.5	5.32	4.97	5.80	5.00
89	5.31	4.85	5.78	5.02
89.5	5.30	4.74	5.76	5.04
90	5.29	4.62	5.74	5.06
90.5	5.29	4.86	5.76	5.07
91	5.29	5.10	5.78	5.08
91.5	5.29	5.33	5.80	5.09
92	5.29	5.57	5.82	5.10
93	5.29	6.04	5.86	5.11
93.5	5.29	6.28	5.88	5.12
94	5.29	6.51	5.90	5.13
94.5	5.29	6.75	5.92	5.14
95	5.29	6.98	5.94	5.14
95.5	5.30	7.22	5.96	5.15
96	5.30	7.46	5.98	5.16
96.5	5.30	7.69	6.00	5.17
97	5.30	7.93	6.02	5.18
97.5	5.30	8.16	6.04	5.18
98	5.30	8.40	6.06	5.19
98.5	5.30	8.63	6.08	5.20
99	5.30	8.87	6.11	5.21
99.5	5.30	9.11	6.13	5.22

Figure O--6. TransRisk Score: Auto Loan Interest Rate, by Demographic Group
Race or ethnicity (location-based distribution)
Interest rate (percent)

Score	Non- Hispanic white	Black	Hispanic	Asian
0.5	18.18	19.15	18.48	17.99
1	18.03	19.03	18.35	17.86
1.5	17.88	18.91	18.22	17.72
2	17.73	18.80	18.08	17.59
2.5	17.58	18.68	17.95	17.45
3	17.43	18.56	17.82	17.32
3.5	17.28	18.45	17.69	17.19
4	17.13	18.33	17.55	17.05
4.5	16.98	18.21	17.42	16.92
5	16.83	18.10	17.29	16.78
5.5	16.68	17.98	17.15	16.65
6	16.53	17.86	17.02	16.51
6.5	16.38	17.75	16.89	16.38
7	16.23	17.63	16.76	16.25
7.5	16.08	17.51	16.62	16.11
8	15.93	17.39	16.49	15.98
8.5	15.78	17.28	16.36	15.84
9	15.63	17.16	16.23	15.71
9.5	15.48	17.04	16.09	15.57
10	15.33	16.93	15.96	15.44
10.5	15.18	16.74	15.77	15.28
11	15.03	16.55	15.58	15.13
11.5	14.88	16.36	15.39	14.97
12	14.74	16.17	15.21	14.82
12.5	14.59	15.99	15.02	14.66
13	14.44	15.80	14.83	14.51
13.5	14.29	15.61	14.64	14.35
14	14.14	15.42	14.45	14.20
14.5	13.99	15.23	14.26	14.04
15	13.84	15.04	14.08	13.89
15.5	13.69	14.86	13.89	13.73
16	13.54	14.67	13.70	13.58
16.5	13.40	14.48	13.51	13.42
17	13.25	14.29	13.32	13.27
17.5	13.10	14.10	13.13	13.11
18	12.95	13.91	12.94	12.96
18.5	12.80	13.73	12.76	12.80
19	12.65	13.54	12.57	12.65
19.5	12.50	13.35	12.38	12.49
20	12.35	13.16	12.19	12.34
20.5	12.19	13.02	12.06	12.18
21	12.02	12.88	11.94	12.01
21.5	11.86	12.74	11.81	11.85
22	11.69	12.60	11.69	11.69
22.5	11.52	12.46	11.56	11.53
23	11.36	12.32	11.43	11.37
23.5	11.19	12.18	11.31	11.21
24	11.03	12.04	11.18	11.05
24.5	10.86	11.90	11.06	10.89
25	10.70	11.76	10.93	10.72
25.5	10.53	11.62	10.81	10.56
26	10.37	11.48	10.68	10.40
26.5	10.20	11.34	10.55	10.24
27	10.03	11.20	10.43	10.08
27.5	9.87	11.06	10.30	9.92
28	9.70	10.92	10.18	9.76
28.5	9.54	10.78	10.05	9.60
29	9.37	10.64	9.92	9.43
29.5	9.21	10.50	9.80	9.27
30	9.04	10.35	9.67	9.11
30.5	8.94	10.23	9.57	9.00
31	8.85	10.10	9.46	8.88
31.5	8.75	9.97	9.35	8.77
32	8.66	9.84	9.24	8.65
32.5	8.56	9.72	9.13	8.54
33	8.47	9.59	9.03	8.42
33.5	8.37	9.46	8.92	8.31
34	8.28	9.33	8.81	8.19
34.5	8.18	9.20	8.70	8.08
35	8.09	9.08	8.60	7.96
35.5	7.99	8.95	8.49	7.85
36	7.90	8.82	8.38	7.73
36.5	7.80	8.69	8.27	7.62
37	7.70	8.56	8.17	7.50
37.5	7.61	8.44	8.06	7.39
38	7.51	8.31	7.95	7.27
38.5	7.42	8.18	7.84	7.16
39	7.32	8.05	7.73	7.04
39.5	7.23	7.93	7.63	6.93
40	7.13	7.80	7.52	6.81
40.5	7.10	7.73	7.47	6.78
41	7.07	7.67	7.43	6.75
41.5	7.04	7.61	7.38	6.73
42	7.01	7.54	7.34	6.70
42.5	6.98	7.48	7.30	6.67
43	6.95	7.41	7.25	6.64
43.5	6.92	7.35	7.21	6.62
44	6.89	7.29	7.16	6.59
44.5	6.86	7.22	7.12	6.56
45	6.84	7.16	7.07	6.53
45.5	6.81	7.10	7.03	6.50
46	6.78	7.03	6.98	6.48
46.5	6.75	6.97	6.94	6.45
47	6.72	6.90	6.89	6.42
47.5	6.69	6.84	6.85	6.39
48	6.66	6.78	6.80	6.36
48.5	6.63	6.71	6.76	6.34
49	6.60	6.65	6.71	6.31
49.5	6.57	6.58	6.67	6.28
50	6.54	6.52	6.62	6.25
50.5	6.50	6.50	6.61	6.25
51	6.47	6.48	6.60	6.24
51.5	6.43	6.46	6.58	6.24
52	6.40	6.43	6.57	6.23
52.5	6.37	6.41	6.56	6.22
53	6.33	6.39	6.55	6.22
53.5	6.30	6.37	6.53	6.21
54	6.26	6.35	6.52	6.21
54.5	6.23	6.32	6.51	6.20
55	6.19	6.30	6.49	6.19
55.5	6.16	6.28	6.48	6.19
56	6.13	6.26	6.47	6.18
56.5	6.09	6.24	6.46	6.18
57	6.06	6.22	6.44	6.17
57.5	6.02	6.19	6.43	6.17
58	5.99	6.17	6.42	6.16
58.5	5.95	6.15	6.40	6.15
59	5.92	6.13	6.39	6.15
59.5	5.88	6.11	6.38	6.14
60	5.85	6.08	6.37	6.14
60.5	5.84	6.07	6.32	6.10
61	5.83	6.06	6.27	6.06
61.5	5.83	6.04	6.23	6.03
62	5.82	6.03	6.18	5.99
62.5	5.81	6.01	6.14	5.95
63	5.80	6.00	6.09	5.91
63.5	5.79	5.98	6.05	5.88
64	5.79	5.97	6.00	5.84
64.5	5.78	5.95	5.96	5.80
65	5.77	5.94	5.91	5.77
65.5	5.76	5.92	5.86	5.73
66	5.75	5.91	5.82	5.69
66.5	5.74	5.90	5.77	5.66
67	5.74	5.88	5.73	5.62
67.5	5.73	5.87	5.68	5.58
68	5.72	5.85	5.64	5.55
68.5	5.71	5.84	5.59	5.51
69	5.70	5.82	5.55	5.47
69.5	5.70	5.81	5.50	5.43
70	5.69	5.79	5.45	5.40
70.5	5.67	5.79	5.47	5.41
71	5.66	5.80	5.48	5.42
71.5	5.65	5.80	5.49	5.44
72	5.63	5.80	5.50	5.45
73	5.61	5.80	5.52	5.48
73.5	5.59	5.80	5.53	5.49
74	5.58	5.80	5.54	5.50
74.5	5.56	5.80	5.55	5.52
75	5.55	5.80	5.57	5.53
75.5	5.54	5.80	5.58	5.54
76	5.52	5.80	5.59	5.55
76.5	5.51	5.80	5.60	5.57
77	5.50	5.81	5.61	5.58
78	5.47	5.81	5.63	5.61
78.5	5.46	5.81	5.64	5.62
79	5.44	5.81	5.65	5.63
79.5	5.43	5.81	5.67	5.65
80	5.41	5.81	5.68	5.66
80.5	5.41	5.78	5.66	5.61
81	5.40	5.74	5.65	5.57
81.5	5.40	5.71	5.64	5.53
82	5.39	5.68	5.63	5.48
82.5	5.39	5.65	5.61	5.44
83	5.38	5.61	5.60	5.39
83.5	5.37	5.58	5.59	5.35
84	5.37	5.55	5.58	5.31
84.5	5.36	5.51	5.56	5.26
85	5.36	5.48	5.55	5.22
85.5	5.35	5.45	5.54	5.17
86	5.34	5.41	5.53	5.13
86.5	5.34	5.38	5.51	5.08
87	5.33	5.35	5.50	5.04
87.5	5.33	5.31	5.49	5.00
88	5.32	5.28	5.48	4.95
88.5	5.32	5.25	5.46	4.91
89	5.31	5.21	5.45	4.86
89.5	5.30	5.18	5.44	4.82
90	5.30	5.15	5.43	4.77
90.5	5.30	5.20	5.42	4.81
91	5.30	5.26	5.42	4.84
91.5	5.30	5.31	5.42	4.88
92	5.31	5.37	5.42	4.91
93	5.31	5.48	5.41	4.98
93.5	5.31	5.53	5.41	5.02
94	5.31	5.59	5.41	5.05
94.5	5.31	5.64	5.41	5.09
95	5.32	5.70	5.41	5.13
95.5	5.32	5.75	5.40	5.16
96	5.32	5.80	5.40	5.20
96.5	5.32	5.86	5.40	5.23
97	5.32	5.91	5.40	5.27
97.5	5.33	5.97	5.39	5.30
98	5.33	6.02	5.39	5.34
98.5	5.33	6.08	5.39	5.37
99	5.33	6.13	5.39	5.41
99.5	5.33	6.19	5.39	5.44

Figure O--6. TransRisk Score: Auto Loan Interest Rate, by Demographic Group
Sex
Interest rate (percent)

Score	Male	Female
0.5	18.36	18.50
1	18.22	18.36
1.5	18.08	18.21
2	17.94	18.06
2.5	17.80	17.92
3	17.66	17.77
3.5	17.52	17.62
4	17.38	17.47
4.5	17.23	17.33
5	17.09	17.18
5.5	16.95	17.03
6	16.81	16.88
6.5	16.67	16.74
7	16.53	16.59
7.5	16.39	16.44
8	16.25	16.30
8.5	16.11	16.15
9	15.97	16.00
9.5	15.83	15.85
10	15.69	15.71
10.5	15.52	15.55
11	15.35	15.40
11.5	15.18	15.24
12	15.01	15.09
12.5	14.84	14.94
13	14.67	14.78
13.5	14.50	14.63
14	14.33	14.48
14.5	14.16	14.32
15	14.00	14.17
15.5	13.83	14.01
16	13.66	13.86
16.5	13.49	13.71
17	13.32	13.55
17.5	13.15	13.40
18	12.98	13.24
18.5	12.81	13.09
19	12.64	12.94
19.5	12.47	12.78
20	12.31	12.63
20.5	12.15	12.45
21	12.00	12.28
21.5	11.84	12.10
22	11.69	11.93
22.5	11.53	11.75
23	11.38	11.58
23.5	11.22	11.40
24	11.07	11.23
24.5	10.92	11.05
25	10.76	10.88
25.5	10.61	10.70
26	10.45	10.53
26.5	10.30	10.35
27	10.14	10.18
27.5	9.99	10.00
28	9.84	9.83
28.5	9.68	9.65
29	9.53	9.48
29.5	9.37	9.30
30	9.22	9.13
30.5	9.10	9.05
31	8.99	8.97
31.5	8.87	8.89
32	8.76	8.81
32.5	8.64	8.73
33	8.53	8.65
33.5	8.41	8.57
34	8.30	8.49
34.5	8.18	8.41
35	8.07	8.33
35.5	7.95	8.25
36	7.84	8.17
36.5	7.72	8.09
37	7.61	8.01
37.5	7.49	7.93
38	7.38	7.85
38.5	7.26	7.77
39	7.15	7.69
39.5	7.03	7.61
40	6.91	7.52
40.5	6.91	7.47
41	6.90	7.41
41.5	6.89	7.35
42	6.88	7.29
42.5	6.87	7.23
43	6.86	7.17
43.5	6.85	7.11
44	6.84	7.05
44.5	6.83	7.00
45	6.82	6.94
45.5	6.82	6.88
46	6.81	6.82
46.5	6.80	6.76
47	6.79	6.70
47.5	6.78	6.64
48	6.77	6.58
48.5	6.76	6.52
49	6.75	6.47
49.5	6.74	6.41
50	6.73	6.35
50.5	6.69	6.32
51	6.64	6.30
51.5	6.59	6.28
52	6.55	6.25
52.5	6.50	6.23
53	6.45	6.21
53.5	6.41	6.18
54	6.36	6.16
54.5	6.31	6.14
55	6.27	6.11
55.5	6.22	6.09
56	6.17	6.07
56.5	6.13	6.04
57	6.08	6.02
57.5	6.03	6.00
58	5.99	5.97
58.5	5.94	5.95
59	5.89	5.93
59.5	5.84	5.90
60	5.80	5.88
60.5	5.79	5.88
61	5.78	5.88
61.5	5.77	5.87
62	5.75	5.87
62.5	5.74	5.87
63	5.73	5.87
63.5	5.72	5.87
64	5.71	5.87
64.5	5.70	5.87
65	5.69	5.87
65.5	5.68	5.86
66	5.67	5.86
66.5	5.66	5.86
67	5.65	5.86
67.5	5.63	5.86
68	5.62	5.86
68.5	5.61	5.86
69	5.60	5.85
69.5	5.59	5.85
70	5.58	5.85
70.5	5.58	5.82
71	5.58	5.79
71.5	5.58	5.76
72	5.58	5.73
73	5.59	5.68
73.5	5.59	5.65
74	5.59	5.62
74.5	5.59	5.59
75	5.59	5.56
75.5	5.59	5.53
76	5.59	5.50
76.5	5.59	5.47
77	5.59	5.44
78	5.60	5.38
78.5	5.60	5.35
79	5.60	5.32
79.5	5.60	5.29
80	5.60	5.27
80.5	5.59	5.26
81	5.57	5.26
81.5	5.56	5.26
82	5.55	5.25
82.5	5.53	5.25
83	5.52	5.25
83.5	5.51	5.24
84	5.49	5.24
84.5	5.48	5.24
85	5.47	5.23
85.5	5.45	5.23
86	5.44	5.23
86.5	5.43	5.22
87	5.41	5.22
87.5	5.40	5.22
88	5.39	5.21
88.5	5.38	5.21
89	5.36	5.21
89.5	5.35	5.20
90	5.34	5.20
90.5	5.34	5.21
91	5.34	5.22
91.5	5.34	5.24
92	5.34	5.25
93	5.34	5.27
93.5	5.34	5.28
94	5.34	5.30
94.5	5.34	5.31
95	5.34	5.32
95.5	5.34	5.33
96	5.34	5.34
96.5	5.34	5.36
97	5.34	5.37
97.5	5.34	5.38
98	5.34	5.39
98.5	5.33	5.40
99	5.33	5.42
99.5	5.33	5.43

Figure O--6. TransRisk Score: Auto Loan Interest Rate, by Demographic Group
Age (years)
Interest rate (percent)

Score	Younger than 30	30-39	40-49	50-61	62 or older
0.5	19.17	17.88	19.07	17.53	16.85
1	19.00	17.81	18.84	17.40	16.87
1.5	18.83	17.73	18.61	17.27	16.89
2	18.66	17.65	18.39	17.14	16.91
2.5	18.49	17.57	18.16	17.02	16.93
3	18.32	17.50	17.93	16.89	16.95
3.5	18.15	17.42	17.71		16.97
4	17.98	17.34	17.48	16.63	16.99
4.5	17.81	17.26	17.25	16.51
5	17.64	17.18	17.02	16.38	17.03
5.5	17.47	17.11	16.80	16.25
6	17.30	17.03	16.57	16.12
6.5	17.13	16.95	16.34	16.00	17.09
7	16.96	16.87	16.12	15.87
7.5	16.79	16.80	15.89	15.74
8	16.62	16.72	15.66	15.61	17.15
8.5	16.45	16.64	15.43	15.49	17.16
9	16.28	16.56	15.21	15.36
9.5	16.11	16.48	14.98	15.23	17.20
10	15.94	16.41	14.75	15.10
10.5	15.76	16.17	14.67	14.99	17.01
11	15.59	15.93	14.59	14.87	16.79
11.5	15.42	15.69	14.50	14.75	16.58
12	15.24	15.46	14.42	14.63	16.36
12.5	15.07	15.22	14.33	14.51
13	14.89	14.98	14.25	14.39	15.93
13.5	14.72	14.74	14.17	14.28	15.72
14	14.54	14.51	14.08	14.16	15.50
14.5	14.37	14.27	14.00	14.04	15.29
15	14.19	14.03	13.91	13.92	15.07
15.5	14.02	13.79	13.83	13.80	14.86
16	13.84	13.56	13.75	13.68	14.64
16.5	13.67	13.32	13.66	13.57	14.43
17	13.49	13.08	13.58	13.45	14.21
17.5	13.32	12.84	13.49	13.33
18	13.14	12.61	13.41	13.21	13.78
18.5	12.97	12.37	13.33	13.09	13.57
19	12.79	12.13	13.24	12.97
19.5	12.62	11.89	13.16	12.86	13.14
20	12.44	11.66	13.07	12.74	12.92
20.5	12.28	11.53	12.88	12.55	12.77
21	12.11	11.41	12.68	12.36	12.62
21.5	11.95	11.29	12.48	12.18	12.48
22	11.78	11.17	12.28	11.99
22.5	11.62	11.05	12.08	11.81	12.18
23	11.45	10.93	11.88	11.62	12.03
23.5	11.28	10.81	11.68	11.43	11.88
24	11.12	10.69	11.48	11.25	11.73
24.5	10.95	10.57	11.28	11.06	11.58
25	10.79	10.45	11.08	10.88	11.43
25.5	10.62	10.33	10.88	10.69	11.28
26	10.45	10.20	10.68	10.50	11.13
26.5	10.29	10.08	10.49	10.32	10.98
27	10.12	9.96	10.29	10.13	10.83
27.5	9.96	9.84	10.09	9.95	10.68
28	9.79	9.72	9.89	9.76	10.53
28.5	9.63	9.60	9.69	9.57	10.38
29	9.46	9.48	9.49	9.39	10.23
29.5	9.29	9.36	9.29	9.20	10.08
30	9.13	9.24	9.09	9.02	9.93
30.5	9.03	9.11	9.01	8.92	9.83
31	8.94	8.99	8.93	8.81	9.72
31.5	8.84	8.86	8.85	8.71	9.62
32	8.75	8.74	8.77	8.61	9.51
32.5	8.65	8.61	8.69	8.51	9.40
33	8.56	8.48	8.61	8.41	9.30
33.5	8.46	8.36	8.53	8.31	9.19
34	8.37	8.23	8.45	8.21	9.09
34.5	8.27	8.11	8.37	8.11	8.98
35	8.18	7.98	8.29	8.01	8.88
35.5	8.08	7.86	8.21	7.91	8.77
36	7.99	7.73	8.13	7.80	8.67
36.5	7.89	7.60	8.05	7.70	8.56
37	7.80	7.48	7.97	7.60	8.45
37.5	7.71	7.35	7.89	7.50	8.35
38	7.61	7.23	7.81	7.40	8.24
38.5	7.52	7.10	7.73	7.30	8.14
39	7.42	6.98	7.65	7.20	8.03
39.5	7.33	6.85	7.57	7.10
40	7.23	6.72	7.49	7.00	7.82
40.5	7.23	6.70	7.44	6.97	7.75
41	7.23	6.68	7.38	6.95	7.67
41.5	7.22	6.66	7.33	6.92	7.60
42	7.22	6.64	7.27	6.90	7.53
42.5	7.22	6.62	7.22	6.88	7.45
43	7.22	6.59	7.17	6.85	7.38
43.5	7.22	6.57	7.11	6.83	7.30
44	7.21	6.55	7.06	6.80	7.23
44.5	7.21	6.53	7.00	6.78	7.15
45	7.21	6.51	6.95	6.75	7.08
45.5	7.21	6.49	6.90	6.73	7.01
46	7.20	6.46	6.84	6.71	6.93
46.5	7.20	6.44	6.79	6.68	6.86
47	7.20	6.42	6.73	6.66	6.78
47.5	7.20	6.40	6.68	6.63	6.71
48	7.20	6.38	6.62	6.61	6.64
48.5	7.19	6.36	6.57	6.58	6.56
49	7.19	6.33	6.52	6.56	6.49
49.5	7.19	6.31	6.46	6.54	6.41
50	7.19	6.29	6.41	6.51	6.34
50.5	7.13	6.26	6.38	6.46	6.35
51	7.07	6.23	6.35	6.42	6.36
51.5	7.01	6.20	6.32	6.37	6.37
52	6.95	6.17	6.29	6.32	6.38
52.5	6.90	6.14	6.27	6.27	6.40
53	6.84	6.10	6.24	6.23	6.41
53.5	6.78	6.07	6.21	6.18	6.42
54	6.72	6.04	6.18	6.13	6.43
54.5	6.66	6.01	6.15	6.08	6.44
55	6.60	5.98	6.13	6.04	6.45
55.5	6.54	5.95	6.10	5.99	6.46
56	6.49	5.92	6.07	5.94	6.48
56.5	6.43	5.89	6.04	5.89	6.49
57	6.37	5.86	6.01	5.85	6.50
57.5	6.31	5.82	5.98	5.80	6.51
58	6.25	5.79	5.96	5.75	6.52
58.5	6.19	5.76	5.93	5.71	6.53
59	6.13	5.73	5.90	5.66	6.54
59.5	6.08	5.70	5.87	5.61	6.55
60	6.02	5.67	5.84	5.56	6.57
60.5	6.02	5.66	5.85	5.56	6.51
61	6.02	5.66	5.85	5.55	6.46
61.5	6.02	5.65	5.85	5.55	6.41
62	6.03	5.64	5.86	5.55	6.36
62.5	6.03	5.64	5.86	5.54	6.31
63	6.03	5.63	5.86	5.54	6.26
63.5	6.03	5.62	5.87	5.53	6.20
64	6.04	5.62	5.87	5.53	6.15
64.5	6.04	5.61	5.88	5.52	6.10
65	6.04	5.60	5.88	5.52	6.05
65.5	6.04	5.60	5.88	5.51	6.00
66	6.05	5.59	5.89	5.51	5.94
66.5	6.05	5.58	5.89	5.51	5.89
67	6.05	5.58	5.89	5.50	5.84
67.5	6.05	5.57	5.90	5.50	5.79
68	6.06	5.56	5.90	5.49	5.74
68.5	6.06	5.56	5.90	5.49	5.69
69	6.06	5.55	5.91	5.48	5.63
69.5	6.06	5.54	5.91	5.48	5.58
70	6.07	5.54	5.92	5.48	5.53
70.5	6.04	5.54	5.88	5.46	5.55
71	6.01	5.55	5.85	5.45	5.58
71.5	5.98	5.56	5.81	5.44	5.60
72	5.94	5.56	5.78	5.43	5.62
73	5.88	5.58	5.71	5.41	5.67
73.5	5.85	5.58	5.68	5.40	5.69
74	5.82	5.59	5.65	5.38	5.71
74.5	5.79	5.60	5.61	5.37	5.74
75		5.61	5.58	5.36	5.76
75.5	5.73	5.61	5.55	5.35	5.78
76	5.70	5.62	5.51	5.34	5.80
76.5	5.67	5.63	5.48	5.33	5.83
77	5.64	5.63	5.45	5.32	5.85
78	5.58	5.65	5.38	5.29	5.89
78.5		5.65	5.35	5.28	5.92
79	5.52	5.66	5.31	5.27	5.94
79.5		5.67	5.28	5.26	5.96
80	5.46	5.68	5.24	5.25	5.99
80.5	5.45	5.62	5.24	5.26	5.96
81	5.43	5.57	5.23	5.27	5.94
81.5	5.41	5.52	5.23	5.29	5.91
82		5.47	5.22	5.30	5.89
82.5	5.38	5.41	5.21	5.31	5.86
83	5.37	5.36	5.21	5.33	5.84
83.5	5.35	5.31	5.20	5.34	5.82
84		5.26	5.20	5.35	5.79
84.5		5.21	5.19	5.36	5.77
85		5.15	5.18	5.38	5.74
85.5	5.29	5.10	5.18	5.39	5.72
86		5.05	5.17	5.40	5.70
86.5		5.00	5.16	5.42	5.67
87	5.24	4.95	5.16	5.43	5.65
87.5	5.22	4.89	5.15	5.44	5.62
88		4.84	5.15	5.45	5.60
88.5	5.19	4.79	5.14	5.47	5.57
89		4.74	5.13	5.48	5.55
89.5		4.69	5.13	5.49	5.53
90		4.63	5.12	5.51	5.50
90.5			5.12	5.49	5.52
91		4.78	5.11	5.46	5.54
91.5	5.11	4.85	5.10	5.44	5.56
92		4.93	5.10	5.42	5.58
93	5.07	5.07	5.09	5.38	5.62
93.5		5.15	5.08	5.36	5.64
94		5.22	5.07	5.34	5.66
94.5		5.29	5.07	5.32	5.68
95		5.37	5.06	5.30	5.69
95.5		5.44	5.06	5.28	5.71
96		5.51	5.05	5.26	5.73
96.5		5.59	5.05	5.23	5.75
97		5.66	5.04	5.21	5.77
97.5		5.73	5.03	5.19	5.79
98		5.81	5.03	5.17	5.81
98.5	4.94		5.02	5.15	5.83
99		5.95	5.02	5.13	5.85
99.5				5.11

Figure O--6. TransRisk Score: Auto Loan Interest Rate, by Demographic Group
Marital status
Interest rate (percent)

Score	Married male	Single male	Married female	Single female
0.5		16.92	18.68	17.16
1	18.70	16.92	18.53	17.13
1.5	18.46	16.93	18.37	17.10
2	18.22	16.93	18.21	17.08
2.5	17.97	16.93	18.05	17.05
3	17.73	16.94	17.89	17.02
3.5	17.49	16.94	17.73	16.99
4	17.25	16.94	17.57	16.96
4.5	17.00	16.95	17.41	16.94
5	16.76	16.95	17.25	16.91
5.5	16.52	16.95	17.09	16.88
6	16.28	16.96	16.93	16.85
6.5	16.03	16.96	16.77	16.82
7	15.79	16.96	16.62	16.80
7.5	15.55	16.97	16.46
8	15.30	16.97	16.30	16.74
8.5	15.06	16.97	16.14	16.71
9	14.82	16.98	15.98	16.68
9.5	14.58		15.82	16.66
10	14.33	16.98	15.66	16.63
10.5	14.26	16.72	15.50	16.44
11	14.18	16.46	15.34	16.26
11.5	14.10	16.19	15.17	16.07
12	14.03	15.93	15.01	15.89
12.5	13.95	15.67	14.85	15.70
13	13.87	15.40	14.68	15.51
13.5	13.79	15.14	14.52	15.33
14	13.72	14.87	14.36	15.14
14.5	13.64	14.61	14.20	14.96
15	13.56	14.35	14.03	14.77
15.5	13.49	14.08	13.87	14.58
16	13.41	13.82	13.71	14.40
16.5	13.33	13.56	13.55	14.21
17	13.25	13.29	13.38	14.03
17.5	13.18	13.03	13.22	13.84
18	13.10	12.77	13.06	13.66
18.5	13.02	12.50	12.90	13.47
19	12.95	12.24	12.73	13.28
19.5	12.87	11.98	12.57	13.10
20	12.79	11.71	12.41	12.91
20.5	12.60	11.61	12.22	12.74
21	12.41	11.51	12.02	12.57
21.5	12.22	11.41	11.83
22	12.02	11.31	11.64	12.24
22.5	11.83	11.22	11.45	12.07
23	11.64	11.12	11.26	11.90
23.5	11.45	11.02	11.07	11.73
24	11.26	10.92	10.87	11.56
24.5	11.07	10.82	10.68	11.39
25	10.88	10.72	10.49	11.22
25.5	10.68	10.62	10.30	11.05
26	10.49	10.52	10.11	10.88
26.5	10.30	10.42	9.92	10.71
27	10.11	10.32	9.72	10.54
27.5	9.92	10.22	9.53	10.37
28	9.73	10.12	9.34	10.20
28.5	9.53	10.02	9.15	10.03
29	9.34	9.92	8.96	9.86
29.5	9.15	9.82	8.77	9.70
30	8.96	9.72	8.57	9.53
30.5	8.85	9.58	8.50	9.48
31	8.73	9.44	8.43	9.43
31.5	8.62	9.30	8.35	9.38
32	8.50	9.15	8.28	9.33
32.5	8.39	9.01	8.20	9.28
33	8.28	8.87	8.13	9.23
33.5	8.16	8.72	8.06	9.18
34	8.05	8.58	7.98	9.14
34.5	7.94	8.44	7.91	9.09
35	7.82	8.30	7.83	9.04
35.5	7.71	8.15	7.76	8.99
36	7.59	8.01	7.69	8.94
36.5	7.48	7.87	7.61	8.89
37	7.37	7.72	7.54	8.84
37.5	7.25	7.58	7.46	8.79
38	7.14	7.44	7.39	8.74
38.5	7.03	7.30	7.32	8.70
39	6.91	7.15	7.24	8.65
39.5	6.80	7.01	7.17	8.60
40	6.68	6.87	7.09	8.55
40.5	6.68	6.87	7.05	8.45
41	6.67	6.87	7.01	8.35
41.5	6.66	6.87	6.96	8.25
42	6.65	6.88	6.92	8.15
42.5	6.64	6.88	6.87	8.05
43	6.63	6.88	6.83	7.95
43.5	6.62	6.88	6.79	7.84
44	6.61	6.89	6.74	7.74
44.5	6.60	6.89	6.70	7.64
45	6.59	6.89	6.65	7.54
45.5	6.58	6.89	6.61	7.44
46	6.58	6.90	6.57	7.34
46.5	6.57	6.90	6.52	7.24
47	6.56	6.90	6.48	7.14
47.5	6.55	6.90	6.44	7.04
48	6.54	6.90	6.39	6.94
48.5	6.53	6.91	6.35	6.84
49	6.52	6.91	6.30	6.74
49.5	6.51	6.91	6.26	6.64
50	6.50	6.91	6.22	6.54
50.5	6.46	6.87	6.21	6.49
51	6.42	6.83	6.20	6.45
51.5	6.38	6.79	6.19	6.41
52	6.35	6.75	6.18	6.36
52.5	6.31	6.71	6.17	6.32
53	6.27	6.67	6.17	6.28
53.5	6.23	6.63	6.16	6.24
54	6.19	6.59	6.15	6.19
54.5	6.15	6.55	6.14	6.15
55	6.11	6.51	6.13	6.11
55.5	6.07	6.47	6.12	6.06
56	6.03	6.43	6.12	6.02
56.5	5.99	6.39	6.11	5.98
57	5.95	6.35	6.10	5.94
57.5	5.91	6.31	6.09	5.89
58	5.87	6.27	6.08	5.85
58.5	5.83	6.23	6.07	5.81
59	5.79	6.19	6.07	5.76
59.5	5.75	6.15	6.06	5.72
60	5.71	6.11	6.05	5.68
60.5	5.70	6.08	6.02	5.72
61	5.69	6.06	6.00	5.76
61.5	5.68	6.03	5.97	5.79
62	5.67	6.01	5.95	5.83
62.5	5.66	5.98	5.93	5.87
63	5.65	5.96	5.90	5.91
63.5	5.64	5.93	5.88	5.95
64	5.63	5.91	5.85	5.99
64.5	5.62	5.89	5.83	6.03
65	5.61	5.86	5.80	6.07
65.5	5.60	5.84	5.78	6.10
66	5.59	5.81	5.75	6.14
66.5	5.58	5.79	5.73	6.18
67	5.57	5.76	5.70	6.22
67.5	5.56	5.74	5.68	6.26
68	5.55	5.71	5.65	6.30
68.5	5.54	5.69	5.63	6.34
69	5.53	5.66	5.60	6.37
69.5	5.52	5.64	5.58	6.41
70	5.51	5.61	5.55	6.45
70.5	5.52	5.60	5.53	6.41
71	5.53	5.59	5.51	6.38
71.5	5.54	5.58	5.49	6.34
72	5.55	5.56	5.48	6.30
73	5.57	5.54	5.44	6.23
73.5	5.58	5.53	5.42	6.19
74	5.58	5.51	5.40	6.16
74.5	5.59	5.50	5.38	6.12
75	5.60	5.49	5.36	6.08
75.5	5.61	5.48	5.34	6.05
76	5.62	5.46	5.32	6.01
76.5	5.63	5.45	5.30	5.97
77	5.64	5.44	5.28	5.93
78	5.66	5.41	5.24	5.86
78.5	5.67	5.40	5.22
79	5.67	5.39	5.20	5.79
79.5	5.68	5.38	5.18	5.75
80	5.69	5.37	5.16	5.71
80.5	5.67	5.35	5.16	5.68
81	5.65	5.34	5.17	5.65
81.5	5.63	5.33	5.17	5.61
82	5.61		5.17	5.58
82.5	5.59	5.30	5.18	5.54
83	5.57		5.18	5.51
83.5	5.55		5.19	5.48
84	5.53	5.26	5.19	5.44
84.5	5.51	5.25	5.20	5.41
85	5.49	5.24	5.20	5.38
85.5	5.47	5.22	5.21	5.34
86	5.44	5.21	5.21	5.31
86.5	5.42	5.20	5.22	5.28
87	5.40	5.18	5.22	5.24
87.5	5.38	5.17	5.22	5.21
88	5.36	5.16	5.23	5.17
88.5	5.34	5.15	5.23	5.14
89	5.32	5.13	5.24	5.11
89.5	5.30	5.12	5.24	5.07
90	5.28		5.25	5.04
90.5	5.29		5.26
91	5.30	5.12	5.26	5.05
91.5	5.30	5.13	5.27
92	5.31	5.13	5.28	5.05
93	5.33	5.14	5.30	5.06
93.5	5.34	5.15	5.31	5.07
94	5.35		5.32	5.07
94.5	5.35	5.16	5.33	5.07
95	5.36	5.17	5.33
95.5	5.37		5.34	5.08
96	5.38	5.18	5.35
96.5	5.39			5.09
97	5.39	5.19	5.37	5.09
97.5	5.40	5.20	5.38	5.09
98	5.41	5.21	5.39	5.10
98.5	5.42	5.21	5.40	5.10
99	5.43	5.22	5.40	5.10
99.5	5.44		5.41

Figure O--6. TransRisk Score: Auto Loan Interest Rate, by Demographic Group
Income ratio of tract
Interest rate (percent)

Score	Low	Moderate	Middle	High
0.5	20.13	19.47	18.38	16.40
1	19.93	19.33	18.21	16.36
1.5		19.18	18.04	16.32
2	19.53	19.04	17.88	16.28
2.5	19.32	18.89	17.71	16.23
3	19.12	18.75	17.54	16.19
3.5	18.92	18.60	17.37	16.15
4	18.72	18.46	17.20	16.11
4.5		18.31	17.03
5		18.17	16.86	16.03
5.5	18.11	18.02	16.69	15.98
6	17.91	17.88	16.52	15.94
6.5		17.73	16.35	15.90
7	17.50	17.59	16.18	15.86
7.5		17.44	16.02	15.82
8		17.30	15.85	15.78
8.5		17.15	15.68	15.73
9	16.69	17.01	15.51	15.69
9.5	16.49	16.86	15.34	15.65
10	16.29	16.72	15.17	15.61
10.5		16.51	15.05	15.39
11	16.23	16.31	14.92	15.16
11.5	16.20	16.10	14.80	14.94
12	16.17	15.90	14.68	14.71
12.5		15.69	14.55	14.49
13		15.49	14.43	14.27
13.5		15.28	14.31	14.04
14		15.08	14.18	13.82
14.5	16.01	14.87	14.06	13.59
15		14.67	13.94	13.37
15.5	15.95	14.46	13.81	13.15
16	15.92	14.26	13.69	12.92
16.5		14.05	13.57	12.70
17	15.86	13.85	13.44	12.47
17.5		13.64	13.32	12.25
18	15.80	13.44	13.20	12.03
18.5	15.77	13.23	13.08	11.80
19	15.74	13.03	12.95	11.58
19.5	15.71	12.82	12.83	11.35
20	15.68	12.62	12.71	11.13
20.5	15.43	12.46	12.53	11.01
21	15.19	12.31	12.36	10.90
21.5		12.16	12.19	10.78
22		12.01	12.02	10.67
22.5	14.46	11.86	11.84	10.55
23	14.22	11.71	11.67	10.44
23.5		11.56	11.50	10.32
24	13.73	11.41	11.32	10.21
24.5		11.26	11.15	10.09
25	13.25	11.10	10.98	9.98
25.5	13.00	10.95	10.81	9.86
26	12.76	10.80	10.63	9.75
26.5	12.52	10.65	10.46	9.63
27	12.27	10.50	10.29	9.52
27.5		10.35	10.12	9.40
28	11.79	10.20	9.94	9.29
28.5		10.05	9.77	9.17
29	11.30	9.90	9.60	9.06
29.5	11.06	9.74	9.43	8.94
30	10.82	9.59	9.25	8.83
30.5	10.64	9.49	9.16	8.71
31	10.47	9.39	9.07	8.60
31.5	10.30	9.29	8.98	8.49
32	10.13	9.19	8.89	8.38
32.5	9.95	9.09	8.80	8.27
33		8.99	8.70	8.16
33.5	9.61	8.88	8.61	8.05
34	9.43	8.78	8.52	7.94
34.5		8.68	8.43	7.83
35	9.09	8.58	8.34	7.72
35.5	8.92	8.48	8.25	7.61
36	8.74	8.38	8.16	7.50
36.5	8.57	8.28	8.06	7.39
37	8.40	8.18	7.97	7.27
37.5		8.07	7.88	7.16
38	8.05	7.97	7.79	7.05
38.5	7.88	7.87	7.70	6.94
39	7.70	7.77	7.61	6.83
39.5		7.67	7.51	6.72
40	7.36	7.57	7.42	6.61
40.5	7.28	7.54	7.38	6.59
41	7.21	7.51	7.34	6.57
41.5		7.48	7.30	6.55
42	7.06	7.46	7.26	6.53
42.5	6.98	7.43	7.22	6.51
43	6.91	7.40	7.18	6.49
43.5	6.83	7.37	7.14	6.46
44	6.76	7.34	7.11	6.44
44.5	6.68	7.32	7.07	6.42
45	6.61	7.29	7.03	6.40
45.5	6.53	7.26	6.99	6.38
46	6.46	7.23	6.95	6.36
46.5		7.21	6.91	6.34
47		7.18	6.87	6.32
47.5		7.15	6.83	6.30
48	6.15	7.12	6.79	6.28
48.5	6.08	7.09	6.75	6.26
49	6.00	7.07	6.71	6.24
49.5		7.04	6.67	6.21
50	5.85	7.01	6.63	6.19
50.5		6.95	6.60	6.16
51		6.89	6.58	6.13
51.5		6.84	6.55	6.09
52	5.97	6.78	6.53	6.06
52.5	5.99	6.72	6.50	6.03
53		6.66	6.48	6.00
53.5	6.05	6.60	6.45	5.96
54	6.08	6.55	6.43	5.93
54.5		6.49	6.40	5.90
55	6.14	6.43	6.38	5.86
55.5		6.37	6.35	5.83
56		6.32	6.33	5.80
56.5		6.26	6.30	5.76
57		6.20	6.28	5.73
57.5	6.28	6.14	6.25	5.70
58	6.31	6.08	6.23	5.66
58.5	6.33	6.03	6.20	5.63
59	6.36	5.97	6.18	5.60
59.5	6.39	5.91	6.15	5.57
60	6.42	5.85	6.13	5.53
60.5		5.85	6.10	5.54
61	6.35	5.85	6.08	5.55
61.5		5.85	6.05	5.55
62	6.29	5.84	6.03	5.56
62.5	6.26	5.84	6.01	5.57
63	6.23	5.84	5.98	5.57
63.5	6.19	5.84	5.96	5.58
64		5.83	5.94	5.59
64.5	6.13	5.83	5.91	5.59
65		5.83	5.89	5.60
65.5	6.07	5.83	5.86	5.61
66	6.03	5.82	5.84	5.61
66.5		5.82	5.82	5.62
67		5.82	5.79	5.63
67.5	5.94	5.82	5.77	5.64
68		5.81	5.74	5.64
68.5		5.81	5.72	5.65
69		5.81	5.70	5.66
69.5		5.81	5.67	5.66
70	5.78	5.80	5.65	5.67
70.5	5.84	5.82	5.64	5.65
71	5.90	5.84	5.63	5.63
71.5	5.96	5.86	5.62	5.60
72	6.02	5.87	5.61	5.58
73		5.91	5.59	5.54
73.5		5.92	5.58	5.52
74		5.94	5.57	5.50
74.5		5.96	5.56	5.47
75	6.38	5.98	5.55	5.45
75.5	6.45	5.99	5.54	5.43
76	6.51	6.01	5.53	5.41
76.5		6.03	5.52	5.39
77	6.63	6.04	5.51	5.37
78	6.75	6.08	5.49	5.32
78.5		6.10	5.48	5.30
79		6.11	5.47	5.28
79.5			5.47	5.26
80	6.99	6.15	5.46	5.24
80.5		6.11	5.46	5.22
81	6.79	6.07	5.46	5.20
81.5		6.04	5.47	5.18
82		6.00	5.47	5.16
82.5		5.97	5.48	5.14
83		5.93	5.48	5.12
83.5		5.89	5.49	5.10
84		5.86	5.49	5.09
84.5		5.82	5.49	5.07
85		5.78	5.50	5.05
85.5		5.75	5.50	5.03
86		5.71	5.51	5.01
86.5		5.67	5.51	4.99
87	5.58	5.64	5.52	4.97
87.5	5.47	5.60	5.52	4.95
88		5.57	5.52	4.94
88.5		5.53	5.53	4.92
89		5.49	5.53	4.90
89.5		5.46	5.54	4.88
90		5.42	5.54	4.86
90.5			5.52	4.91
91		5.42	5.49	4.96
91.5		5.41	5.47	5.01
92	5.74	5.41	5.45	5.06
93		5.41	5.40	5.15
93.5		5.40	5.37	5.20
94	6.51	5.40	5.35	5.25
94.5		5.40	5.32	5.30
95		5.40	5.30	5.35
95.5			5.28	5.40
96		5.39	5.25	5.45
96.5		5.39	5.23	5.50
97			5.20	5.54
97.5		5.39	5.18	5.59
98		5.38	5.16	5.64
98.5		5.38	5.13	5.69
99		5.38	5.11	5.74
99.5			5.08	5.79

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