WOMEN'S ACCESS TO MORTGAGE LENDING IN NEW JERSEY

Report to New Jersey Citizen Action

May 12, 1997

DATA DICTIONARY

Applications

• Total App: Total Applications of women and men for which gender was listed
• Rank by Total App: Rank order by total applications received
• Fem App: Total female applications received
• Rank by Fem App: Rank order by female applications received
• % of Total Apps: Total female applications as a percentage of all applications received (women and men)
• Mal App: Total male applications received
• % of Total Apps: Total male applications as a percentage of all applications received (women and men)
• F:M App Ratio: Ratio of total female applications to total male applications: (total female applications received/ Total Male applications received)
• Rank by F:M Ratio: Rank order by ratio of total female applications to total male applications

Originations

• Total Origs: Total Originations for women and men for which gender was listed
• Rank by Total Origs: Rank order by total originations
• Fem Origs: Total female originations
• Rank by Fem Origs: Rank by total female originations
• % of Total Fem Apps: Percentage of female applications which were originated (total female originations/total female applications)
• % of Total Apps: Percentage of all applications which were originated to females (female originations/total (women and men) applications)
• Male Origs: Total male originations
• % of Total Mal Apps: Percentage of male applications which were originated (total male originations/total male applications)
• % of Total Apps: Percentage of all applications which were originated to males (male originations/total (women and men) applications)
• F:M Orig Ratio: Ratio of total female originations to total male originations
• Rank by F:M Orig Ratio: Rank by ratio of total female originations to total male originations
• All Origs: Total originations for women and men for which gender was listed

All Applications

Female

• Fem Apps: Total female applications
• % of All Apps: Percentage of all applications that were female

Male

• Mal Apps: Total male applications
• % of All Apps: Percentage of all applications that were male
• Fem:Mal Ratio of Apps: Ratio of female applications to male applications

All Originations

Female

• Fem Origs: Total female originations
• % of All Fem Apps: Percentage of all female applications that were originated
• % of All Apps: Percentage of all applications received (women and men) that were originated to women

Male

• Mal Origs: Total male originations
• % of All Mal Apps: Percentage of all male applications received that were originated
• % of All Apps: Percentage of all applications received (women and men) that were originated to men

All Denials

Female

• Fem Denials: Total female denials
• % of All Fem Apps: Percentage of all female applications which were denied
• % of All Apps: Percentage of all female denials as a part of all applications received (women and men)

Male

• Mal Denials: Total male denials
• % of All Mal Apps: Percentage of all male applications which were denied
• % of All Apps: Percentage of all male denials as a part of all applications received (women and men)
• Fem:Mal Ratio of Denials: Ratio of female denials to male denials

All Withdrawals

Female

• Fem WthDrs: Total female withdrawals
• % of All Fem Apps: Percentage of all female applications which were withdrawn
• % of All Apps: Percentage of all female withdrawals as a part of all applications received (women and men)

Male

• Male Denials: Total male withdrawals
• % of All Mal Apps: Percentage of all male applications which were withdrawn
• % of All Apps: Percentage of all male withdrawals as a part of all applications received (women and men)
• Fem:Mal Ratio of WthDrs: Ratio of female withdrawals to male withdrawal.
• All Apps: All applications for women and men for which gender was listed

Female

• Fem Apps: Total female applications
• % of All Apps: Total female applications as a percentage of all applications received (women and men)

Male

• Mal Apps: Total male applications
• % of All Apps: Total male applications as a percentage of all applications received (women and men)
• Fem:Mal Ratio of Apps: Ratio of total female applications to total male applications
• All Origs: All originations for women and men for which gender was listed Female
• Fem Origs: Total female originations
• % of All Fem Apps: Percentage of female applications which were originated (total female originations/total female applications)
• % of All Apps: Percentage of all applications which were originated to females (female originations/total (women and men) applications)

Male

• Mal Origs: Total male originations
• % of All Mal Apps: Percentage of male applications which were originated (total female originations/total female applications)
• % of All Apps: Percentage of all applications which were originated to males (male originations/total (women and men) applications)
• Fem:Mal Ratio of Origs: Ratio of total female originations to total male originations
• All Denials: All denials for women and men for which gender was listed

Female

• Fem Denials: Total female denials
• % of All Fem Apps: Percentage of all female applications which were denied
• % of All Apps: Percentage of all female denials as a part of all applications received (women and men)

Male

• Mal Denials: Total male denials
• % of All Mal Apps: Percentage of all male applications which were denied
• % of All Apps: Percentage of all male denials as a part of all applications received (women and men)
• Fem:Mal Ratio of Denials: Ratio of total female denials to total male denials
• All Withdrawals: All withdrawals for women and men for which gender was listed

Female

• Fem WthDrs: Total female withdrawals
• % of All Fem Apps: Percentage of all female applications which were withdrawn
• % of All Apps: Percentage of all female withdrawals as a part of all applications received (women and men)

• Mal WthDrs: Total male withdrawals
• % of All Mal Apps: Percentage of all male applications which were withdrawn
• % of All Origs: Percentage of all male withdrawals as a part of all applications received (women and men)

• Fem:Mal Ratio of WthDrs: Ratio of total female withdrawals to total male withdrawals

All Origs: Total number of applications (received from women and men) that were originated

• % of Origs of Wht Fem Low Inc Apps: Percentage origination of white female low income applications (white female low income originations/ white female low income applications)
• % of Origs of Wht Mal Low Inc Apps: Percentage origination of white male low income applications (white male low income originations/ white male low income applications)

• % of Origs of Blk Fem Low Inc Apps: Percentage origination of black female low income applications (black female low income originations/ black female low income applications)
• % of Origs of Blk Mal Low Inc Apps: Percentage origination of black male low income applications (black male low income originations/ black male low income applications)

• % of Origs of Hsp Fem Low Inc Apps: Percentage origination of Hispanic female low income applications (Hispanic female low income originations/ Hispanic female low income applications)
• % of Origs of Hsp Mal Low Inc Apps: Percentage origination of Hispanic male low income applications (Hispanic male low income originations/ Hispanic male low income applications)

• % of Origs of Oth Fem Low Inc Apps: Percentage origination of Other female low income applications (Other female low income originations/ Other female low income applications)
• % of Origs of Oth Mal Low Inc Apps: Percentage origination of Other male low income applications (Other male low income originations/ Other male low income applications)

• % of Origs of Wht Fem Mod Inc Apps: Percentage origination of white female moderate income applications (white female moderate income originations/ white female moderate income applications)
• % of Origs of Wht Mal Mod Inc Apps: Percentage origination of white male moderate income applications (white male moderate income originations/ white male moderate income applications)

• % of Origs of Blk Fem Mod Inc Apps: Percentage origination of black female moderate income applications (black female moderate income originations/ black female moderate income applications)
• % of Origs of Blk Mal Mod Inc Apps: Percentage origination of black male moderate income applications (black male moderate income originations/ black male moderate income applications)

• % of Origs of Hsp Fem Mod Inc Apps: Percentage origination of Hispanic female moderate income applications (Hispanic female moderate income originations/ Hispanic female moderate income applications)
• % of Origs of Hsp Mal Mod Inc Apps: Percentage origination of Hispanic male moderate income applications (Hispanic male moderate income originations/ Hispanic male moderate income applications)

• % of Origs of Oth Fem Mod Inc Apps: Percentage origination of Other female moderate income applications (Other female moderate income originations/ Other female moderate income applications)
• % of Origs of Oth Mal Mod Inc Apps: Percentage origination of Other male moderate income applications (Other male moderate income originations/ Other male moderate income applications)

• % of Origs of Wht Fem Mid Inc Apps: Percentage origination of white female middle income applications (white female middle income originations/ white female middle income applications)
• % of Origs of Wht Mal Mid Inc Apps: Percentage origination of white male middle income applications (white male middle income originations/ white male middle income applications)

• % of Origs of Blk Fem Mid Inc Apps: Percentage origination of black female middle income applications (black female middle income originations/ black female middle income applications)
• % of Origs of Blk Mal Mid Inc Apps: Percentage origination of black male middle income applications (black male middle income originations/ black male middle income applications)

• % of Origs of Hsp Fem Mid Inc Apps: Percentage origination of Hispanics female middle income applications (Hispanic female middle income originations/ Hispanic female middle income applications)
• % of Origs of Hsp Mal Mid Inc Apps: Percentage origination of Hispanic male middle income applications (Hispanic male middle income originations/ Hispanic male middle income applications)

• % of Origs of Oth Fem Mid Inc Apps: Percentage origination of Other female middle income applications (Other female middle income originations/ Other female middle income applications)
• % of Origs of Oth Mal Mid Inc Apps: Percentage origination of Other male middle income applications (Other male middle income originations/ Other male middle income applications)

• % of Origs of Wht Fem High Inc Apps: Percentage origination of white female high income applications (white female high income originations/ white female high income applications)
• % of Origs of Wht Mal High Inc Apps: Percentage origination of white male high income applications (white male high income originations/ white male high income applications)

• % of Origs of Blk Fem High Inc Apps: Percentage origination of black female high income applications (black female high income originations/ black female high income applications)
• % of Origs of Blk Mal High Inc Apps: Percentage origination of black male high income applications (black male high income originations/ black male high income applications)

• % of Origs of Hsp Fem High Inc Apps: Percentage origination of Hispanic female high income applications (Hispanic female high income originations/ Hispanic female high income applications)
• % of Origs of Hsp Mal High Inc Apps: Percentage origination of Hispanic male high income applications (Hispanic male high income originations/ Hispanic male high income applications)

• % of Origs of Oth Fem High Inc Apps: Percentage origination of Other female high income applications (Other female high income originations/ Other female high income applications)
• % of Origs of Oth Mal High Inc Apps: Percentage origination of Other male high income applications (Other male high income originations/ Other male high income applications)
• All Origs: Total Originations for women and men for which gender was listed

• White Female % Apps of All Wht Low Inc Apps: Percentage of white low income applications which were female
• Black Female % Apps of All Blk Low Inc Apps: Percentage of black low income applications which were female
• Hispanic Female % Apps of All Hsp Low Inc Apps: Percentage of Hispanic low income applications which were female
• Other Female % Apps of All Oth Low Inc Apps: Percentage of Other low income applications which were female

• White Female % Apps of All Wht Mod Inc Apps: Percentage of white moderate income applications which were female
• Black Female % Apps of All Blk Mod Inc Apps: Percentage of black moderate income applications which were female
• Hispanic Female % Apps of All Hsp Mod Inc Apps: Percentage of Hispanic moderate income applications which were female
• Other Female % Apps of All Oth Mod Inc Apps: Percentage of Other moderate income applications which were female

• White Female % Apps of All Wht Mid Inc Apps: Percentage of white middle income applications which were female
• Black Female % Apps of All Blk Mid Inc Apps: Percentage of black middle income applications which were female
• Hispanic Female % Apps of All Hsp Mid Inc Apps: Percentage of Hispanic middle income applications which were female
• Other Female % Apps of All Oth Mid Inc Apps: Percentage of Other middle income applications which were female

• White Female % Apps of All Wht High Inc Apps: Percentage of white high income applications which were female
• Black Female % Apps of All Blk High Inc Apps: Percentage of black high income applications which were female
• Hispanic Female % Apps of All Hsp High Inc Apps: Percentage of Hispanic high income applications which were female
• Other Female % Apps of All Oth High Inc Apps: Percentage of Other high income applications which were female
• All Origs: Total Originations for women and men for which gender was listed

White Female

• % Apps of All Wht Low Inc Apps: Percentage of white low income applications which were female
• % Origs of Wht Low Inc Fem Apps: Percentage of white female low income applications which were originated (white female low income originations/ white female low income applications)

• % Apps of All Blk Low Inc Apps: Percentage of black low income applications which were female
• % Origs of Blk Low Inc Fem Apps: Percentage of black female low income applications which were originated (black female low income originations/ black female low income applications)

• % Apps of All Hsp Low Inc Apps: Percentage of Hispanic low income applications which were female
• % Origs of Hsp Low Inc Fem Apps: Percentage of Hispanic female low income applications which were originated (Hispanic female low income originations/ Hispanic female low income applications)

• % Apps of All Oth Low Inc Apps: Percentage of Other low income applications which were female
• % Origs of Oth Low Inc Fem Apps: Percentage of Other female low income applications which were originated (Other female low income originations/ Other female low income applications)

• % Apps of All Wht Mod Inc Apps: Percentage of white moderate income applications which were female
• % Origs of Wht Mod Inc Fem Apps: Percentage of white female moderate income applications which were originated (white female moderate income originations/ white female moderate income applications)

• % Apps of All Blk Mod Inc Apps: Percentage of black moderate income applications which were female
• % Origs of Blk Mod Inc Fem Apps: Percentage of black female moderate income applications which were originated (black female moderate income originations/ black female moderate income applications)

• % Apps of All Hsp Mod Inc Apps: Percentage of Hispanic moderate income applications which were female
• % Origs of Hsp Mod Inc Fem Apps: Percentage of Hispanic female moderate income applications which were originated (Hispanic female moderate income originations/ Hispanic female moderate income applications)

• % Apps of All Oth Mod Inc Apps: Percentage of Other moderate income applications which were female
• % Origs of Oth Mod Inc Fem Apps: Percentage of Other female moderate income applications which were originated (Other female moderate income originations/ Other female moderate income applications)

• % Apps of All Wht Mid Inc Apps: Percentage of white middle income applications which were female
• % Origs of Wht Mid Inc Fem Apps: Percentage of white female middle income applications which were originated (white female middle income originations/ white female middle income applications)

• % Apps of All Blk Mid Inc Apps: Percentage of black middle income applications which were female
• % Origs of Blk Mid Inc Fem Apps: Percentage of black female middle income applications which were originated (black female middle income originations/ black female middle income applications)

• % Apps of All Hsp Mid Inc Apps: Percentage of Hispanic middle income applications which were female
• % Origs of Hsp Mid Inc Fem Apps: Percentage of Hispanic female middle income applications which were originated (Hispanic female middle income originations/ Hispanic female middle income applications)

• % Apps of All Oth Mid Inc Apps: Percentage of Other middle income applications which were female
• % Origs of Oth Mid Inc Fem Apps: Percentage of Other female middle income applications which were originated (Other female middle income originations/ Other female middle income applications)

• % Apps of All Wht High Inc Apps: Percentage of white high income applications which were female
• % Origs of Wht High Inc Fem Apps: Percentage of white female high income applications which were originated (white female high income originations/ white female high income applications)

• % Apps of All Blk High Inc Apps: Percentage of black high income applications which were female
• % Origs of Blk High Inc Fem Apps: Percentage of black female high income applications which were originated (black female high income originations/ black female high income applications)

• % Apps of All Hsp High Inc Apps: Percentage of Hispanic high income applications which were female
• % Origs of Hsp High Inc Fem Apps: Percentage of Hispanic female high income applications which were originated (Hispanic female high income originations/ Hispanic female high income applications)

• % Apps of All Oth High Inc Apps: Percentage of Other high income applications which were female
• % Origs of Oth High Inc Fem Apps: Percentage of Other female high income applications which were originated (Other female high income originations/ Other female high income applications)

Female

• Number of All Female Apps: Total number of all female applications
• % Fem of All Apps: Percentage of all applications that are female

Male

• Number of All Male Apps: Total number of all male applications
• % Mal of All Apps: Percentage of all applications that are male
• Fem:Mal Ratio of Total Apps: Ratio of all female applications to all male applications

Female

• Number of Fem Apps NNJ: Total number of Northern New Jersey female applications
• % of Total Fem Apps NNJ: Percentage of Northern New Jersey applications that are female

Male

• Number of Mal Apps NNJ: Total number of Northern New Jersey male applications
• % of Total Mal Apps NNJ: Percentage of Northern New Jersey applications that are male
• Fem:Mal Ratio of Total Apps NNJ: Ratio of Northern New Jersey female applications to Northern New Jersey male applications

Female

• Number of Fem Apps CNJ: Total number of Central New Jersey female applications
• % of Total Fem Apps CNJ: Percentage of Central New Jersey applications that are female

Male

• Number of Mal Apps CNJ: Total number of Central New Jersey male applications
• % of Total Mal Apps CNJ: Percentage of Central New Jersey applications that are male
• Fem:Mal Ratio of Total Apps CNJ: Ratio of Central New Jersey female applications to Central New Jersey male applications

Female

• Number of Fem Apps SNJ: Total number of Southern New Jersey female applications
• % of Total Fem Apps SNJ: Percentage of Southern New Jersey applications that are female

Male

• Number of Mal Apps SNJ: Total number of Southern New Jersey male applications
• % of Total Mal Apps SNJ: Percentage of Southern New Jersey applications that are male
• Fem:Mal Ratio of Total Apps SNJ: Ratio of Southern New Jersey female applications to Southern New Jersey male applications

Female

• Number of All Female Origs: Total number of all female originations
• % of Fem Origs per Fem Apps Overall: Percentage of all female applications that were originated

Male

• Number of All Male Origs: Total number of all male originations
• % of Mal Origs per Mal Apps Overall: Percentage of all male applications that were originated
• Fem:Mal Ratio of Origs Overall: Ratio of all female originations to all male originations

Female

Apps

• Number of Fem Apps NNJ: Total number of Northern New Jersey female applications

Origs

• Number of Fem Origs NNJ: Total number of Northern New Jersey female applications that were originated
• % of Origs per Fem Apps NNJ: Percentage of Northern New Jersey female applications that were originated

Male

Apps

• Number of Mal Apps NNJ: Total number of Northern New Jersey male applications

Origs

• Number of Mal Origs NNJ: Total number of Northern New Jersey male applications that were originated
• % of Origs per Mal Apps NNJ: Percentage of Northern New Jersey male applications that were originated
• Fem:Mal Ratio of Origs NNJ: Ratio of Northern New Jersey female originations to Northern New Jersey male originations

Female

Apps

• Number of Fem Apps CNJ: Total number of Central New Jersey female applications

Origs

• Number of Fem Origs CNJ: Total number of Central New Jersey female applications that were originated
• % of Origs per Fem Apps CNJ: Percentage of Central New Jersey female applications that were originated

Male

Apps

• Number of Mal Apps CNJ: Total number of Central New Jersey male applications

Origs

• Number of Mal Origs CNJ: Total number of Central New Jersey male applications that were originated
• % of Origs per Mal Apps CNJ: Percentage of Central New Jersey male applications that were originated
• Fem:Mal Ratio of Origs CNJ: Ratio of Central New Jersey female originations to Central New Jersey male originations

Female

Apps

• Number of Fem Apps SNJ: Total number of Southern New Jersey female applications

Origs

• Number of Fem Origs SNJ: Total number of Southern New Jersey female applications that were originated
• % of Origs per Fem Apps SNJ: Percentage of Southern New Jersey female applications that were originated

Male

Apps

• Number of Mal Apps SNJ: Total number of Southern New Jersey male applications

Origs

• Number of Mal Origs SNJ: Total number of Southern New Jersey male applications that were originated
• % of Origs per Mal Apps SNJ: Percentage of Southern New Jersey male applications that were originated
• Fem:Mal Ratio of Origs SNJ: Ratio of Southern New Jersey female originations to Southern New Jersey male originations

Female

• Number of All Fem Apps: Number of all female applications
• % of All Fem Apps: Total female applications as a percentage of all applications received (women and men)

Male

• Number of All Mal Apps: Number of all male applications
• % of All Mal Apps: Total male applications as a percentage of all applications received (women and men)
• Fem:Mal Ratio of All Apps: Ratio of all female applications to all male applications

Female

• Number of Fem Apps Low Inc CT: Number of female applications in low-income Census tracts
• % of Fem Apps Low Inc CT: Percentage of applications received from low income Census tracts that were female

Male

• Number of Mal Apps Low Inc CT: Number of male applications in low-income Census tracts
• % of Mal Apps Low Inc CT: Percentage of applications received from low income Census tracts that were male
• Fem:Mal Ratio of Apps Low Inc CT: Ratio of female applications to male applications in low-income Census tracts

Female

• Number of Fem Apps Mod Inc CT: Number of female applications in moderate-income Census tracts
• % of Fem Apps Mod Inc CT: Percentage of applications received from moderate income Census tracts that were female

Male

• Number of Mal Apps Mod Inc CT: Number of male applications in moderate-income Census tracts
• % of Mal Apps Mod Inc CT: Percentage of applications received from moderate income Census tracts that were male
• Fem:Mal Ratio of Apps Mod Inc CT: Ratio of female applications to male applications in moderate-income Census tracts

Female

• Number of Fem Apps Mid Inc CT: Number of female applications in middle-income Census tracts
• % of Fem Apps Mid Inc CT: Percentage of applications received from middle income Census tracts that were female

Male

• Number of Mal Apps Mid Inc CT: Number of male applications in middle-income Census tracts
• % of Mal Apps Mid Inc CT: Percentage of applications received from middle income Census tracts that were male
• Fem:Mal Ratio of Apps Mid Inc CT: Ratio of female applications to male applications in middle-income Census tracts

Female

• Number of Fem Apps High Inc CT: Number of female applications in high-income Census tracts
• % of Fem Apps High Inc CT: Percentage of applications received from high income Census tracts that were female

Male

• Number of Mal Apps High Inc CT: Number of male applications in high-income Census tracts
• % of Mal Apps High Inc CT: Percentage of applications received from high income Census tracts that were male
• Fem:Mal Ratio of Apps High Inc CT: Ratio of female applications to male applications in high-income Census tracts

Female

• Number of All Fem Origs: Number of all female originations
• % of Total Fem Apps Overall: Percentage of female applications which were originated

Male

• Number of All Male Origs: Number of all male applications
• % of Total Mal Apps Overall: Percentage of male applications which were originated
• Fem:Mal Ratio of All Origs: Ratio of all female originations to all male originations

Female

• Number of Fem Apps Low Inc: Number of female applications in low-income Census tracts
• Number of Fem Origs Low Inc: Number of female applications that were originated in low-income Census tracts
• % of Origs per Fem Apps Low Inc: Percentage of female applications from low-income Census tracts which were originated

Male

• Number of Mal Apps Low Inc: Number of male applications in low-income Census tracts
• Number of Mal Origs Low Inc: Number of male applications that were originated in low-income Census tracts
• % of Origs per Mal Apps Low Inc: Percentage of male applications from low-income Census tracts which were originated
• Fem:Mal Ratio of Origs Low Inc: Ratio of female originations to male originations in low-income Census tracts

Female

• Number of Fem Apps Mod Inc: Number of female applications in moderate-income Census tracts
• Number of Fem Origs Mod Inc: Number of female applications that were originated in moderate-income Census tracts
• % of Origs per Fem Apps Mod Inc: Percentage of female applications from moderate-income Census tracts which were originated

Male

• Number of Mal Apps Mod Inc: Number of male applications in moderate-income Census tracts
• Number of Mal Origs Mod Inc: Number of male applications that were originated in moderate-income Census tracts
• % of Origs per Mal Apps Mod Inc: Percentage of male applications from moderate-income Census tracts which were originated
• Fem:Mal Ratio of Origs Mod Inc: Ratio of female originations to male originations in moderate-income Census tracts

Female

• Number of Fem Apps Mid Inc: Number of female applications in middle-income Census tracts
• Number of Fem Origs Mid Inc: Number of female applications that were originated in middle-income Census tracts
• % of Origs per Fem Apps Mid Inc: Percentage of female applications from middle-income Census tracts which were originated

Male

• Number of Mal Apps Mid Inc: Number of male applications in middle-income Census tracts
• Number of Mal Origs Mid Inc: Number of male applications that were originated in middle-income Census tracts
• % of Origs per Mal Apps Mid Inc: Percentage of male applications from middle-income Census tracts which were originated
• Fem:Mal Ratio of Origs Mid Inc: Ratio of female originations to male originations in middle-income Census tracts

Female

• Number of Fem Apps High Inc: Number of female applications in high-income Census tracts
• Number of Fem Origs High Inc: Number of female applications that were originated in high-income Census tracts
• % of Origs per Fem Apps High Inc: Percentage of female applications from high-income Census tracts which were originated

Male

• Number of Mal Apps High Inc: Number of male applications in high-income Census tracts
• Number of Mal Origs High Inc: Number of male applications that were originated in high-income Census tracts
• % of Origs per Mal Apps High Inc: Percentage of male applications from high-income Census tracts which were originated
• Fem:Mal Ratio of Origs High Inc: Ratio of female originations to male originations in high-income Census tracts