614 of 5,329 lenders fall below the four-fifths line
614 of 5,329 lenders fall below the four-fifths line
Approval rate of each race group divided by the joint-applicant rate, national total, on the screen's definition (every record except purchased loans)
0.80
Free Form Text Only0.69
Native Hawaiian or Other Pacific Islander0.83
2 or more minority races0.83
American Indian or Alaska Native0.85
Black or African American0.85
Race Not Available0.94
White0.98
Asian0.99
Joint (reference)1.00
Note: A ratio under 0.80 fails the four-fifths rule. Per-lender screen counts groups with 100 or more applications. 32.6M applications screened; purchased loans are excluded. Hover a bar for its count.
Source: public HMDA filings, 2023 to 2025. hmda-audit analysis.