Table 1.
Characteristics of census tracts in California MSAs (n = 7,836)
| Census tract characteristics | Range | Mean (SD) | Median (IQR) |
|---|---|---|---|
| Racial bias index (n = 7,836)a | 0.3, 86.2 | 2.8 (2.6) | 2.2 (1.5, 3.4) |
| Q1 | 0.3, 1.3 | 1.0 (0.2) | 1.0 (0.8, 1.2) |
| Q2 | 1.3, 1.9 | 1.6 (0.2) | 1.6 (1.5, 1.7) |
| Q3 | 1.9, 2.5 | 2.2 (0.2) | 2.2 (2.0, 2.3) |
| Q4 | 2.5, 3.8 | 3.1 (0.4) | 3.0 (2.7, 3.3) |
| Q5 | 3.8, 86.2 | 6.2 (4.1) | 5.1 (4.3, 6.6) |
| SES index (n = 7,775)b | − 6.2, 3.1 | 0.0 (1.0) | 0.0 (− 0.8, 0.8) |
| Neighborhood stability (n = 7,805)c | 8.1, 100 | 84.2 (9.5) | 85.9 (79.9, 90.6) |
aRacial Bias Index = census-tract average odds of a mortgage denial for a Black applicant as compared to a White applicant, adjusting for individual sex, and the ratio of the loan amount to the applicant's gross annual income (data from Home Mortgage Disclosure Act, 2007–2013 (https://www.ffiec.gov/hmda/))
bYang Neighborhood SES Index = validated, census-tract level composite of median school years, percentage of high school graduates, proportion with a blue collar job, proportion older than 16 in the workforce without a job, median household income, proportion below 200% of the poverty level, median rent, and median house value, derived from 2007 to 2011 American Community Survey [36, 37]
cNeighborhood stability = census tract percent of residents who lived the same house one year ago on 2007–2011 American Community Survey [36]
Abbreviations: SES socioeconomic status, SD standard deviation, IQR interquartile range