# Hispanic Mortgage Denial Disparity by State

**Use case:** 

Hispanic or Latino mortgage denial disparity across Texas, Arizona, New Mexico and Nevada - a class protected by ECOA and reported separately from race.

## Input

```json
{
  "states": [
    "TX",
    "AZ",
    "NM",
    "NV"
  ],
  "peerBenchmark": true,
  "includeNational": false,
  "years": [
    "2023"
  ],
  "groupBy": "ethnicity",
  "referenceGroup": "Not Hispanic or Latino",
  "minSampleN": 30,
  "significanceLevel": "0.05",
  "denominator": "narrow",
  "includeDenialReasons": true,
  "includeRateSpread": true,
  "includeTractContext": true,
  "tractLevel": false,
  "engine": "auto",
  "maxResults": 60
}
```

## Output

```json
{
  "scope": {
    "label": "Scope",
    "format": "string"
  },
  "geo_id": {
    "label": "Geography ID",
    "format": "string"
  },
  "institution_name": {
    "label": "Institution name",
    "format": "string"
  },
  "year": {
    "label": "Year",
    "format": "integer"
  },
  "group_value": {
    "label": "Group",
    "format": "string"
  },
  "total_applications": {
    "label": "Decisioned applications",
    "format": "integer"
  },
  "denial_rate_pct": {
    "label": "Denial rate %",
    "format": "number"
  },
  "reference_denial_rate_pct": {
    "label": "Reference denial rate %",
    "format": "number"
  },
  "disparity_index": {
    "label": "Disparity index",
    "format": "number"
  },
  "z_score": {
    "label": "z-score",
    "format": "number"
  },
  "p_value": {
    "label": "p-value",
    "format": "number"
  },
  "finding_strength": {
    "label": "Finding strength",
    "format": "string"
  },
  "flags": {
    "label": "Flags",
    "format": "array"
  }
}
```

## 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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