# Higher-Priced Mortgage Disparity by Race

**Use case:** 

Fulton County GA pricing screen: share of originations above the 1.5 and 2.5 rate-spread thresholds by race, HOEPA counts and a higher-priced index.

## Input

```json
{
  "states": [
    "CO"
  ],
  "counties": [
    "13121"
  ],
  "peerBenchmark": true,
  "includeNational": false,
  "years": [
    "2023"
  ],
  "groupBy": "race",
  "referenceGroup": "White",
  "minSampleN": 30,
  "significanceLevel": "0.05",
  "denominator": "narrow",
  "includeDenialReasons": true,
  "includeRateSpread": true,
  "includeTractContext": true,
  "tractLevel": false,
  "engine": "auto",
  "maxResults": 50
}
```

## Output

```json
{
  "geo_id": {
    "label": "Geography ID",
    "format": "string"
  },
  "year": {
    "label": "Year",
    "format": "integer"
  },
  "group_value": {
    "label": "Group",
    "format": "string"
  },
  "applications_originated": {
    "label": "Originated",
    "format": "integer"
  },
  "originations_with_rate_spread": {
    "label": "Originations with rate spread",
    "format": "integer"
  },
  "rate_spread_coverage_pct": {
    "label": "Rate spread coverage %",
    "format": "number"
  },
  "higher_priced_1_5_pct": {
    "label": "Higher-priced (>=1.5) %",
    "format": "number"
  },
  "higher_priced_2_5_pct": {
    "label": "Higher-priced (>=2.5) %",
    "format": "number"
  },
  "higher_priced_index": {
    "label": "Higher-priced index",
    "format": "number"
  },
  "median_rate_spread": {
    "label": "Median rate spread",
    "format": "number"
  },
  "hoepa_high_cost_count": {
    "label": "HOEPA high-cost count",
    "format": "integer"
  }
}
```

## About this Actor

This example demonstrates how to use [HMDA Fair Lending Disparity Analysis — Denial & Pricing](https://apify.com/malonestar/hmda-fair-lending-disparity-rollup) with a specific input configuration. Visit the [Actor detail page](https://apify.com/malonestar/hmda-fair-lending-disparity-rollup) to learn more, explore other use cases, and run it yourself.


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