<data xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<row _id="1"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>118</denials><originations>108</originations><total>226</total><denial_rate>0.5221238938053098</denial_rate><origination_rate>0.4778761061946903</origination_rate></row>
<row _id="2"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>54</denials><originations>345</originations><total>399</total><denial_rate>0.13533834586466165</denial_rate><origination_rate>0.8646616541353384</origination_rate></row>
<row _id="3"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>157</denials><originations>167</originations><total>324</total><denial_rate>0.4845679012345679</denial_rate><origination_rate>0.5154320987654321</origination_rate></row>
<row _id="4"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>329</denials><originations>620</originations><total>949</total><denial_rate>0.3466807165437302</denial_rate><origination_rate>0.6533192834562698</origination_rate></row>
<row _id="5"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>810</denials><originations>324</originations><total>1134</total><denial_rate>0.7142857142857143</denial_rate><origination_rate>0.2857142857142857</origination_rate></row>
<row _id="6"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>289</denials><originations>490</originations><total>779</total><denial_rate>0.37098844672657255</denial_rate><origination_rate>0.6290115532734275</origination_rate></row>
<row _id="7"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>1404</denials><originations>972</originations><total>2376</total><denial_rate>0.5909090909090909</denial_rate><origination_rate>0.4090909090909091</origination_rate></row>
<row _id="8"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>2503</denials><originations>1786</originations><total>4289</total><denial_rate>0.5835859174632781</denial_rate><origination_rate>0.41641408253672185</origination_rate></row>
<row _id="9"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>836</denials><originations>674</originations><total>1510</total><denial_rate>0.5536423841059602</denial_rate><origination_rate>0.4463576158940397</origination_rate></row>
<row _id="10"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>295</denials><originations>1234</originations><total>1529</total><denial_rate>0.19293655984303465</denial_rate><origination_rate>0.8070634401569653</origination_rate></row>
<row _id="11"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1656</denials><originations>1728</originations><total>3384</total><denial_rate>0.48936170212765956</denial_rate><origination_rate>0.5106382978723404</origination_rate></row>
<row _id="12"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>2787</denials><originations>3636</originations><total>6423</total><denial_rate>0.43390938813638485</denial_rate><origination_rate>0.5660906118636151</origination_rate></row>
<row _id="13"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>250</denials><originations>110</originations><total>360</total><denial_rate>0.6944444444444444</denial_rate><origination_rate>0.3055555555555556</origination_rate></row>
<row _id="14"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>105</denials><originations>290</originations><total>395</total><denial_rate>0.26582278481012656</denial_rate><origination_rate>0.7341772151898734</origination_rate></row>
<row _id="15"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>375</denials><originations>306</originations><total>681</total><denial_rate>0.5506607929515418</denial_rate><origination_rate>0.44933920704845814</origination_rate></row>
<row _id="16"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>730</denials><originations>706</originations><total>1436</total><denial_rate>0.5083565459610028</denial_rate><origination_rate>0.49164345403899723</origination_rate></row>
<row _id="17"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1104</denials><originations>1338</originations><total>2442</total><denial_rate>0.4520884520884521</denial_rate><origination_rate>0.547911547911548</origination_rate></row>
<row _id="18"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>561</denials><originations>3427</originations><total>3988</total><denial_rate>0.14067201604814444</denial_rate><origination_rate>0.8593279839518556</origination_rate></row>
<row _id="19"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>2670</denials><originations>3999</originations><total>6669</total><denial_rate>0.4003598740440846</denial_rate><origination_rate>0.5996401259559154</origination_rate></row>
<row _id="20"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4335</denials><originations>8764</originations><total>13099</total><denial_rate>0.33094129322849075</denial_rate><origination_rate>0.6690587067715092</origination_rate></row>
<row _id="21"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>1571</denials><originations>1549</originations><total>3120</total><denial_rate>0.503525641025641</denial_rate><origination_rate>0.496474358974359</origination_rate></row>
<row _id="22"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>688</denials><originations>3967</originations><total>4655</total><denial_rate>0.14779806659505906</denial_rate><origination_rate>0.8522019334049409</origination_rate></row>
<row _id="23"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>3370</denials><originations>4192</originations><total>7562</total><denial_rate>0.445649299127215</denial_rate><origination_rate>0.5543507008727849</origination_rate></row>
<row _id="24"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>5629</denials><originations>9708</originations><total>15337</total><denial_rate>0.3670209297776619</denial_rate><origination_rate>0.6329790702223381</origination_rate></row>
<row _id="25"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>988</denials><originations>460</originations><total>1448</total><denial_rate>0.6823204419889503</denial_rate><origination_rate>0.31767955801104975</origination_rate></row>
<row _id="26"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>359</denials><originations>867</originations><total>1226</total><denial_rate>0.2928221859706362</denial_rate><origination_rate>0.7071778140293637</origination_rate></row>
<row _id="27"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1666</denials><originations>1208</originations><total>2874</total><denial_rate>0.5796798886569241</denial_rate><origination_rate>0.42032011134307584</origination_rate></row>
<row _id="28"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>3013</denials><originations>2535</originations><total>5548</total><denial_rate>0.5430785868781542</denial_rate><origination_rate>0.4569214131218457</origination_rate></row>
<row _id="29"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>815</denials><originations>1231</originations><total>2046</total><denial_rate>0.39833822091886606</denial_rate><origination_rate>0.6016617790811339</origination_rate></row>
<row _id="30"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>415</denials><originations>2960</originations><total>3375</total><denial_rate>0.12296296296296297</denial_rate><origination_rate>0.8770370370370371</origination_rate></row>
<row _id="31"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>1959</denials><originations>3212</originations><total>5171</total><denial_rate>0.37884355057048924</denial_rate><origination_rate>0.6211564494295108</origination_rate></row>
<row _id="32"><year>2007</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>3189</denials><originations>7403</originations><total>10592</total><denial_rate>0.3010762839879154</denial_rate><origination_rate>0.6989237160120846</origination_rate></row>
<row _id="33"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>104</denials><originations>57</originations><total>161</total><denial_rate>0.6459627329192547</denial_rate><origination_rate>0.35403726708074534</origination_rate></row>
<row _id="34"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>64</denials><originations>282</originations><total>346</total><denial_rate>0.18497109826589594</denial_rate><origination_rate>0.815028901734104</origination_rate></row>
<row _id="35"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>172</denials><originations>138</originations><total>310</total><denial_rate>0.5548387096774193</denial_rate><origination_rate>0.44516129032258067</origination_rate></row>
<row _id="36"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>340</denials><originations>477</originations><total>817</total><denial_rate>0.41615667074663404</denial_rate><origination_rate>0.583843329253366</origination_rate></row>
<row _id="37"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>458</denials><originations>188</originations><total>646</total><denial_rate>0.7089783281733746</denial_rate><origination_rate>0.29102167182662536</origination_rate></row>
<row _id="38"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>145</denials><originations>361</originations><total>506</total><denial_rate>0.2865612648221344</denial_rate><origination_rate>0.7134387351778656</origination_rate></row>
<row _id="39"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>1264</denials><originations>631</originations><total>1895</total><denial_rate>0.6670184696569921</denial_rate><origination_rate>0.3329815303430079</origination_rate></row>
<row _id="40"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>1867</denials><originations>1180</originations><total>3047</total><denial_rate>0.6127338365605514</denial_rate><origination_rate>0.38726616343944864</origination_rate></row>
<row _id="41"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>576</denials><originations>397</originations><total>973</total><denial_rate>0.591983556012333</denial_rate><origination_rate>0.408016443987667</origination_rate></row>
<row _id="42"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>197</denials><originations>1038</originations><total>1235</total><denial_rate>0.15951417004048582</denial_rate><origination_rate>0.8404858299595142</origination_rate></row>
<row _id="43"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1384</denials><originations>1375</originations><total>2759</total><denial_rate>0.5016310257339616</denial_rate><origination_rate>0.49836897426603843</origination_rate></row>
<row _id="44"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>2157</denials><originations>2810</originations><total>4967</total><denial_rate>0.434266156633783</denial_rate><origination_rate>0.565733843366217</origination_rate></row>
<row _id="45"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>188</denials><originations>60</originations><total>248</total><denial_rate>0.7580645161290323</denial_rate><origination_rate>0.24193548387096775</origination_rate></row>
<row _id="46"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>53</denials><originations>229</originations><total>282</total><denial_rate>0.1879432624113475</denial_rate><origination_rate>0.8120567375886525</origination_rate></row>
<row _id="47"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>301</denials><originations>217</originations><total>518</total><denial_rate>0.581081081081081</denial_rate><origination_rate>0.4189189189189189</origination_rate></row>
<row _id="48"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>542</denials><originations>506</originations><total>1048</total><denial_rate>0.517175572519084</denial_rate><origination_rate>0.48282442748091603</origination_rate></row>
<row _id="49"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>746</denials><originations>778</originations><total>1524</total><denial_rate>0.489501312335958</denial_rate><origination_rate>0.510498687664042</origination_rate></row>
<row _id="50"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>406</denials><originations>2647</originations><total>3053</total><denial_rate>0.13298395021290535</denial_rate><origination_rate>0.8670160497870947</origination_rate></row>
<row _id="51"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>2339</denials><originations>3445</originations><total>5784</total><denial_rate>0.4043914246196404</denial_rate><origination_rate>0.5956085753803596</origination_rate></row>
<row _id="52"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>3491</denials><originations>6870</originations><total>10361</total><denial_rate>0.33693658913232316</denial_rate><origination_rate>0.6630634108676768</origination_rate></row>
<row _id="53"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>1037</denials><originations>920</originations><total>1957</total><denial_rate>0.5298926928972918</denial_rate><origination_rate>0.4701073071027082</origination_rate></row>
<row _id="54"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>479</denials><originations>3144</originations><total>3623</total><denial_rate>0.13221087496549822</denial_rate><origination_rate>0.8677891250345018</origination_rate></row>
<row _id="55"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>3109</denials><originations>3565</originations><total>6674</total><denial_rate>0.4658375786634702</denial_rate><origination_rate>0.5341624213365298</origination_rate></row>
<row _id="56"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>4625</denials><originations>7629</originations><total>12254</total><denial_rate>0.37742777868451116</denial_rate><origination_rate>0.6225722213154888</origination_rate></row>
<row _id="57"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>613</denials><originations>261</originations><total>874</total><denial_rate>0.7013729977116705</denial_rate><origination_rate>0.2986270022883295</origination_rate></row>
<row _id="58"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>213</denials><originations>667</originations><total>880</total><denial_rate>0.24204545454545454</denial_rate><origination_rate>0.7579545454545454</origination_rate></row>
<row _id="59"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1528</denials><originations>803</originations><total>2331</total><denial_rate>0.6555126555126555</denial_rate><origination_rate>0.34448734448734447</origination_rate></row>
<row _id="60"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2354</denials><originations>1731</originations><total>4085</total><denial_rate>0.5762545899632803</denial_rate><origination_rate>0.4237454100367197</origination_rate></row>
<row _id="61"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>612</denials><originations>733</originations><total>1345</total><denial_rate>0.4550185873605948</denial_rate><origination_rate>0.5449814126394052</origination_rate></row>
<row _id="62"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>310</denials><originations>2686</originations><total>2996</total><denial_rate>0.10347129506008011</denial_rate><origination_rate>0.8965287049399199</origination_rate></row>
<row _id="63"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>1835</denials><originations>3000</originations><total>4835</total><denial_rate>0.3795243019648397</denial_rate><origination_rate>0.6204756980351603</origination_rate></row>
<row _id="64"><year>2008</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>2757</denials><originations>6419</originations><total>9176</total><denial_rate>0.30045771578029645</denial_rate><origination_rate>0.6995422842197035</origination_rate></row>
<row _id="65"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>43</denials><originations>26</originations><total>69</total><denial_rate>0.6231884057971014</denial_rate><origination_rate>0.37681159420289856</origination_rate></row>
<row _id="66"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>71</denials><originations>244</originations><total>315</total><denial_rate>0.2253968253968254</denial_rate><origination_rate>0.7746031746031746</origination_rate></row>
<row _id="67"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>206</denials><originations>295</originations><total>501</total><denial_rate>0.4111776447105788</denial_rate><origination_rate>0.5888223552894212</origination_rate></row>
<row _id="68"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>320</denials><originations>565</originations><total>885</total><denial_rate>0.3615819209039548</denial_rate><origination_rate>0.6384180790960452</origination_rate></row>
<row _id="69"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>250</denials><originations>104</originations><total>354</total><denial_rate>0.7062146892655368</denial_rate><origination_rate>0.2937853107344633</origination_rate></row>
<row _id="70"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>94</denials><originations>241</originations><total>335</total><denial_rate>0.28059701492537314</denial_rate><origination_rate>0.7194029850746269</origination_rate></row>
<row _id="71"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>575</denials><originations>460</originations><total>1035</total><denial_rate>0.5555555555555556</denial_rate><origination_rate>0.4444444444444444</origination_rate></row>
<row _id="72"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>919</denials><originations>805</originations><total>1724</total><denial_rate>0.5330626450116009</denial_rate><origination_rate>0.46693735498839906</origination_rate></row>
<row _id="73"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>338</denials><originations>215</originations><total>553</total><denial_rate>0.6112115732368897</denial_rate><origination_rate>0.3887884267631103</origination_rate></row>
<row _id="74"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>173</denials><originations>829</originations><total>1002</total><denial_rate>0.17265469061876249</denial_rate><origination_rate>0.8273453093812375</origination_rate></row>
<row _id="75"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>875</denials><originations>1704</originations><total>2579</total><denial_rate>0.33927879022877083</denial_rate><origination_rate>0.6607212097712292</origination_rate></row>
<row _id="76"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>1386</denials><originations>2748</originations><total>4134</total><denial_rate>0.3352685050798258</denial_rate><origination_rate>0.6647314949201741</origination_rate></row>
<row _id="77"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>94</denials><originations>25</originations><total>119</total><denial_rate>0.7899159663865546</denial_rate><origination_rate>0.21008403361344538</origination_rate></row>
<row _id="78"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>37</denials><originations>206</originations><total>243</total><denial_rate>0.1522633744855967</denial_rate><origination_rate>0.8477366255144033</origination_rate></row>
<row _id="79"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>185</denials><originations>182</originations><total>367</total><denial_rate>0.5040871934604905</denial_rate><origination_rate>0.49591280653950953</origination_rate></row>
<row _id="80"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>316</denials><originations>413</originations><total>729</total><denial_rate>0.4334705075445816</denial_rate><origination_rate>0.5665294924554184</origination_rate></row>
<row _id="81"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>458</denials><originations>504</originations><total>962</total><denial_rate>0.4760914760914761</denial_rate><origination_rate>0.5239085239085239</origination_rate></row>
<row _id="82"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>340</denials><originations>2213</originations><total>2553</total><denial_rate>0.13317665491578534</denial_rate><origination_rate>0.8668233450842147</origination_rate></row>
<row _id="83"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>1803</denials><originations>5034</originations><total>6837</total><denial_rate>0.26371215445370777</denial_rate><origination_rate>0.7362878455462922</origination_rate></row>
<row _id="84"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>2601</denials><originations>7751</originations><total>10352</total><denial_rate>0.25125579598145287</denial_rate><origination_rate>0.7487442040185471</origination_rate></row>
<row _id="85"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>600</denials><originations>536</originations><total>1136</total><denial_rate>0.528169014084507</denial_rate><origination_rate>0.47183098591549294</origination_rate></row>
<row _id="86"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>395</denials><originations>2519</originations><total>2914</total><denial_rate>0.13555250514756348</denial_rate><origination_rate>0.8644474948524365</origination_rate></row>
<row _id="87"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>2171</denials><originations>5344</originations><total>7515</total><denial_rate>0.28888888888888886</denial_rate><origination_rate>0.7111111111111111</origination_rate></row>
<row _id="88"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>3166</denials><originations>8399</originations><total>11565</total><denial_rate>0.2737570255079983</denial_rate><origination_rate>0.7262429744920017</origination_rate></row>
<row _id="89"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>315</denials><originations>134</originations><total>449</total><denial_rate>0.7015590200445434</denial_rate><origination_rate>0.2984409799554566</origination_rate></row>
<row _id="90"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>168</denials><originations>509</originations><total>677</total><denial_rate>0.2481536189069424</denial_rate><origination_rate>0.7518463810930576</origination_rate></row>
<row _id="91"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>815</denials><originations>800</originations><total>1615</total><denial_rate>0.5046439628482973</denial_rate><origination_rate>0.4953560371517028</origination_rate></row>
<row _id="92"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>1298</denials><originations>1443</originations><total>2741</total><denial_rate>0.4735497993433054</denial_rate><origination_rate>0.5264502006566947</origination_rate></row>
<row _id="93"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>374</denials><originations>439</originations><total>813</total><denial_rate>0.46002460024600245</denial_rate><origination_rate>0.5399753997539976</origination_rate></row>
<row _id="94"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>265</denials><originations>2209</originations><total>2474</total><denial_rate>0.10711398544866613</denial_rate><origination_rate>0.8928860145513339</origination_rate></row>
<row _id="95"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>1528</denials><originations>4720</originations><total>6248</total><denial_rate>0.24455825864276567</denial_rate><origination_rate>0.7554417413572343</origination_rate></row>
<row _id="96"><year>2009</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>2167</denials><originations>7368</originations><total>9535</total><denial_rate>0.22726796014682749</denial_rate><origination_rate>0.7727320398531725</origination_rate></row>
<row _id="97"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>48</denials><originations>22</originations><total>70</total><denial_rate>0.6857142857142857</denial_rate><origination_rate>0.3142857142857143</origination_rate></row>
<row _id="98"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>57</denials><originations>243</originations><total>300</total><denial_rate>0.19</denial_rate><origination_rate>0.81</origination_rate></row>
<row _id="99"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>137</denials><originations>257</originations><total>394</total><denial_rate>0.3477157360406091</denial_rate><origination_rate>0.6522842639593909</origination_rate></row>
<row _id="100"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>242</denials><originations>522</originations><total>764</total><denial_rate>0.31675392670157065</denial_rate><origination_rate>0.6832460732984293</origination_rate></row>
<row _id="101"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>208</denials><originations>109</originations><total>317</total><denial_rate>0.6561514195583596</denial_rate><origination_rate>0.3438485804416404</origination_rate></row>
<row _id="102"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>73</denials><originations>225</originations><total>298</total><denial_rate>0.24496644295302014</denial_rate><origination_rate>0.7550335570469798</origination_rate></row>
<row _id="103"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>383</denials><originations>360</originations><total>743</total><denial_rate>0.5154777927321669</denial_rate><origination_rate>0.4845222072678331</origination_rate></row>
<row _id="104"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>664</denials><originations>694</originations><total>1358</total><denial_rate>0.4889543446244477</denial_rate><origination_rate>0.5110456553755522</origination_rate></row>
<row _id="105"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>288</denials><originations>227</originations><total>515</total><denial_rate>0.5592233009708738</denial_rate><origination_rate>0.4407766990291262</origination_rate></row>
<row _id="106"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>148</denials><originations>781</originations><total>929</total><denial_rate>0.15931108719052745</denial_rate><origination_rate>0.8406889128094726</origination_rate></row>
<row _id="107"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>597</denials><originations>1381</originations><total>1978</total><denial_rate>0.3018200202224469</denial_rate><origination_rate>0.6981799797775531</origination_rate></row>
<row _id="108"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>1033</denials><originations>2389</originations><total>3422</total><denial_rate>0.30187025131502043</denial_rate><origination_rate>0.6981297486849796</origination_rate></row>
<row _id="109"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>85</denials><originations>26</originations><total>111</total><denial_rate>0.7657657657657657</denial_rate><origination_rate>0.23423423423423423</origination_rate></row>
<row _id="110"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>40</denials><originations>175</originations><total>215</total><denial_rate>0.18604651162790697</denial_rate><origination_rate>0.813953488372093</origination_rate></row>
<row _id="111"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>133</denials><originations>155</originations><total>288</total><denial_rate>0.4618055555555556</denial_rate><origination_rate>0.5381944444444444</origination_rate></row>
<row _id="112"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>258</denials><originations>356</originations><total>614</total><denial_rate>0.4201954397394137</denial_rate><origination_rate>0.5798045602605864</origination_rate></row>
<row _id="113"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>412</denials><originations>474</originations><total>886</total><denial_rate>0.4650112866817156</denial_rate><origination_rate>0.5349887133182845</origination_rate></row>
<row _id="114"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>317</denials><originations>1825</originations><total>2142</total><denial_rate>0.14799253034547152</denial_rate><origination_rate>0.8520074696545284</origination_rate></row>
<row _id="115"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>1508</denials><originations>4217</originations><total>5725</total><denial_rate>0.2634061135371179</denial_rate><origination_rate>0.736593886462882</origination_rate></row>
<row _id="116"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>2237</denials><originations>6516</originations><total>8753</total><denial_rate>0.2555695190220496</denial_rate><origination_rate>0.7444304809779504</origination_rate></row>
<row _id="117"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>518</denials><originations>566</originations><total>1084</total><denial_rate>0.477859778597786</denial_rate><origination_rate>0.522140221402214</origination_rate></row>
<row _id="118"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>386</denials><originations>2202</originations><total>2588</total><denial_rate>0.1491499227202473</denial_rate><origination_rate>0.8508500772797527</origination_rate></row>
<row _id="119"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>1757</denials><originations>4748</originations><total>6505</total><denial_rate>0.2700999231360492</denial_rate><origination_rate>0.7299000768639508</origination_rate></row>
<row _id="120"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>2661</denials><originations>7516</originations><total>10177</total><denial_rate>0.2614719465461334</denial_rate><origination_rate>0.7385280534538665</origination_rate></row>
<row _id="121"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>271</denials><originations>136</originations><total>407</total><denial_rate>0.6658476658476659</denial_rate><origination_rate>0.33415233415233414</origination_rate></row>
<row _id="122"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>139</denials><originations>488</originations><total>627</total><denial_rate>0.22169059011164274</denial_rate><origination_rate>0.7783094098883573</origination_rate></row>
<row _id="123"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>551</denials><originations>645</originations><total>1196</total><denial_rate>0.46070234113712377</denial_rate><origination_rate>0.5392976588628763</origination_rate></row>
<row _id="124"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>961</denials><originations>1269</originations><total>2230</total><denial_rate>0.43094170403587445</denial_rate><origination_rate>0.5690582959641256</origination_rate></row>
<row _id="125"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>331</denials><originations>456</originations><total>787</total><denial_rate>0.420584498094028</denial_rate><origination_rate>0.579415501905972</origination_rate></row>
<row _id="126"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>278</denials><originations>1906</originations><total>2184</total><denial_rate>0.12728937728937728</denial_rate><origination_rate>0.8727106227106227</origination_rate></row>
<row _id="127"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>1302</denials><originations>4270</originations><total>5572</total><denial_rate>0.23366834170854273</denial_rate><origination_rate>0.7663316582914573</origination_rate></row>
<row _id="128"><year>2010</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>1911</denials><originations>6632</originations><total>8543</total><denial_rate>0.22369191150649656</denial_rate><origination_rate>0.7763080884935034</origination_rate></row>
<row _id="129"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>38</denials><originations>24</originations><total>62</total><denial_rate>0.6129032258064516</denial_rate><origination_rate>0.3870967741935484</origination_rate></row>
<row _id="130"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>62</denials><originations>213</originations><total>275</total><denial_rate>0.22545454545454546</denial_rate><origination_rate>0.7745454545454545</origination_rate></row>
<row _id="131"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>177</denials><originations>268</originations><total>445</total><denial_rate>0.39775280898876403</denial_rate><origination_rate>0.6022471910112359</origination_rate></row>
<row _id="132"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>277</denials><originations>505</originations><total>782</total><denial_rate>0.35421994884910485</denial_rate><origination_rate>0.6457800511508951</origination_rate></row>
<row _id="133"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>235</denials><originations>73</originations><total>308</total><denial_rate>0.762987012987013</denial_rate><origination_rate>0.237012987012987</origination_rate></row>
<row _id="134"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>62</denials><originations>141</originations><total>203</total><denial_rate>0.3054187192118227</denial_rate><origination_rate>0.6945812807881774</origination_rate></row>
<row _id="135"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>325</denials><originations>377</originations><total>702</total><denial_rate>0.46296296296296297</denial_rate><origination_rate>0.5370370370370371</origination_rate></row>
<row _id="136"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>622</denials><originations>591</originations><total>1213</total><denial_rate>0.5127782357790602</denial_rate><origination_rate>0.4872217642209398</origination_rate></row>
<row _id="137"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>294</denials><originations>184</originations><total>478</total><denial_rate>0.6150627615062761</denial_rate><origination_rate>0.38493723849372385</origination_rate></row>
<row _id="138"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>130</denials><originations>627</originations><total>757</total><denial_rate>0.17173051519154559</denial_rate><origination_rate>0.8282694848084544</origination_rate></row>
<row _id="139"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>596</denials><originations>1179</originations><total>1775</total><denial_rate>0.3357746478873239</denial_rate><origination_rate>0.6642253521126761</origination_rate></row>
<row _id="140"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>1020</denials><originations>1990</originations><total>3010</total><denial_rate>0.3388704318936877</denial_rate><origination_rate>0.6611295681063123</origination_rate></row>
<row _id="141"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>87</denials><originations>35</originations><total>122</total><denial_rate>0.7131147540983607</denial_rate><origination_rate>0.28688524590163933</origination_rate></row>
<row _id="142"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>32</denials><originations>114</originations><total>146</total><denial_rate>0.2191780821917808</denial_rate><origination_rate>0.7808219178082192</origination_rate></row>
<row _id="143"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>121</denials><originations>137</originations><total>258</total><denial_rate>0.4689922480620155</denial_rate><origination_rate>0.5310077519379846</origination_rate></row>
<row _id="144"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>240</denials><originations>286</originations><total>526</total><denial_rate>0.45627376425855515</denial_rate><origination_rate>0.5437262357414449</origination_rate></row>
<row _id="145"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>406</denials><originations>431</originations><total>837</total><denial_rate>0.4850657108721625</denial_rate><origination_rate>0.5149342891278376</origination_rate></row>
<row _id="146"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>287</denials><originations>1570</originations><total>1857</total><denial_rate>0.15455035002692516</denial_rate><origination_rate>0.8454496499730748</origination_rate></row>
<row _id="147"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>1394</denials><originations>3708</originations><total>5102</total><denial_rate>0.2732261858094865</denial_rate><origination_rate>0.7267738141905136</origination_rate></row>
<row _id="148"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>2087</denials><originations>5709</originations><total>7796</total><denial_rate>0.2677013853258081</denial_rate><origination_rate>0.7322986146741919</origination_rate></row>
<row _id="149"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>557</denials><originations>482</originations><total>1039</total><denial_rate>0.53609239653513</denial_rate><origination_rate>0.4639076034648701</origination_rate></row>
<row _id="150"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>341</denials><originations>1879</originations><total>2220</total><denial_rate>0.15360360360360362</denial_rate><origination_rate>0.8463963963963964</origination_rate></row>
<row _id="151"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>1669</denials><originations>4250</originations><total>5919</total><denial_rate>0.28197330630174017</denial_rate><origination_rate>0.7180266936982599</origination_rate></row>
<row _id="152"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>2567</denials><originations>6611</originations><total>9178</total><denial_rate>0.27969056439311396</denial_rate><origination_rate>0.720309435606886</origination_rate></row>
<row _id="153"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>285</denials><originations>101</originations><total>386</total><denial_rate>0.7383419689119171</denial_rate><origination_rate>0.2616580310880829</origination_rate></row>
<row _id="154"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>125</denials><originations>359</originations><total>484</total><denial_rate>0.25826446280991733</denial_rate><origination_rate>0.7417355371900827</origination_rate></row>
<row _id="155"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>521</denials><originations>677</originations><total>1198</total><denial_rate>0.4348914858096828</denial_rate><origination_rate>0.5651085141903172</origination_rate></row>
<row _id="156"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>931</denials><originations>1137</originations><total>2068</total><denial_rate>0.45019342359767894</denial_rate><origination_rate>0.5498065764023211</origination_rate></row>
<row _id="157"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>346</denials><originations>407</originations><total>753</total><denial_rate>0.4594953519256308</denial_rate><origination_rate>0.5405046480743692</origination_rate></row>
<row _id="158"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>249</denials><originations>1646</originations><total>1895</total><denial_rate>0.13139841688654352</denial_rate><origination_rate>0.8686015831134565</origination_rate></row>
<row _id="159"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>1239</denials><originations>3695</originations><total>4934</total><denial_rate>0.25111471422780707</denial_rate><origination_rate>0.7488852857721929</origination_rate></row>
<row _id="160"><year>2011</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>1834</denials><originations>5748</originations><total>7582</total><denial_rate>0.24188868372461092</denial_rate><origination_rate>0.7581113162753891</origination_rate></row>
<row _id="161"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>35</denials><originations>21</originations><total>56</total><denial_rate>0.625</denial_rate><origination_rate>0.375</origination_rate></row>
<row _id="162"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>52</denials><originations>255</originations><total>307</total><denial_rate>0.16938110749185667</denial_rate><origination_rate>0.8306188925081434</origination_rate></row>
<row _id="163"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>215</denials><originations>412</originations><total>627</total><denial_rate>0.34290271132376393</denial_rate><origination_rate>0.6570972886762361</origination_rate></row>
<row _id="164"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>302</denials><originations>688</originations><total>990</total><denial_rate>0.30505050505050507</denial_rate><origination_rate>0.694949494949495</origination_rate></row>
<row _id="165"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>212</denials><originations>106</originations><total>318</total><denial_rate>0.6666666666666666</denial_rate><origination_rate>0.3333333333333333</origination_rate></row>
<row _id="166"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>86</denials><originations>164</originations><total>250</total><denial_rate>0.344</denial_rate><origination_rate>0.656</origination_rate></row>
<row _id="167"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>384</denials><originations>476</originations><total>860</total><denial_rate>0.44651162790697674</denial_rate><origination_rate>0.5534883720930233</origination_rate></row>
<row _id="168"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>682</denials><originations>746</originations><total>1428</total><denial_rate>0.47759103641456585</denial_rate><origination_rate>0.5224089635854342</origination_rate></row>
<row _id="169"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>260</denials><originations>207</originations><total>467</total><denial_rate>0.556745182012848</denial_rate><origination_rate>0.44325481798715205</origination_rate></row>
<row _id="170"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>164</denials><originations>700</originations><total>864</total><denial_rate>0.18981481481481483</denial_rate><origination_rate>0.8101851851851852</origination_rate></row>
<row _id="171"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>675</denials><originations>1490</originations><total>2165</total><denial_rate>0.3117782909930716</denial_rate><origination_rate>0.6882217090069284</origination_rate></row>
<row _id="172"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>1099</denials><originations>2397</originations><total>3496</total><denial_rate>0.31435926773455375</denial_rate><origination_rate>0.6856407322654462</origination_rate></row>
<row _id="173"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>82</denials><originations>26</originations><total>108</total><denial_rate>0.7592592592592593</denial_rate><origination_rate>0.24074074074074073</origination_rate></row>
<row _id="174"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>26</denials><originations>113</originations><total>139</total><denial_rate>0.18705035971223022</denial_rate><origination_rate>0.8129496402877698</origination_rate></row>
<row _id="175"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>122</denials><originations>180</originations><total>302</total><denial_rate>0.40397350993377484</denial_rate><origination_rate>0.5960264900662252</origination_rate></row>
<row _id="176"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>230</denials><originations>319</originations><total>549</total><denial_rate>0.41894353369763204</denial_rate><origination_rate>0.581056466302368</origination_rate></row>
<row _id="177"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>345</denials><originations>439</originations><total>784</total><denial_rate>0.44005102040816324</denial_rate><origination_rate>0.5599489795918368</origination_rate></row>
<row _id="178"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>370</denials><originations>1776</originations><total>2146</total><denial_rate>0.1724137931034483</denial_rate><origination_rate>0.8275862068965517</origination_rate></row>
<row _id="179"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>1702</denials><originations>4972</originations><total>6674</total><denial_rate>0.25501947857356905</denial_rate><origination_rate>0.7449805214264309</origination_rate></row>
<row _id="180"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>2417</denials><originations>7187</originations><total>9604</total><denial_rate>0.25166597251145356</denial_rate><origination_rate>0.7483340274885465</origination_rate></row>
<row _id="181"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>477</denials><originations>508</originations><total>985</total><denial_rate>0.4842639593908629</denial_rate><origination_rate>0.515736040609137</origination_rate></row>
<row _id="182"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>414</denials><originations>2121</originations><total>2535</total><denial_rate>0.16331360946745563</denial_rate><origination_rate>0.8366863905325443</origination_rate></row>
<row _id="183"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>2001</denials><originations>5657</originations><total>7658</total><denial_rate>0.26129537738312875</denial_rate><origination_rate>0.7387046226168712</origination_rate></row>
<row _id="184"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>2892</denials><originations>8286</originations><total>11178</total><denial_rate>0.25872249060654856</denial_rate><origination_rate>0.7412775093934514</origination_rate></row>
<row _id="185"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>259</denials><originations>131</originations><total>390</total><denial_rate>0.6641025641025641</denial_rate><origination_rate>0.33589743589743587</origination_rate></row>
<row _id="186"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>146</denials><originations>428</originations><total>574</total><denial_rate>0.25435540069686413</denial_rate><origination_rate>0.7456445993031359</origination_rate></row>
<row _id="187"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>624</denials><originations>926</originations><total>1550</total><denial_rate>0.40258064516129033</denial_rate><origination_rate>0.5974193548387097</origination_rate></row>
<row _id="188"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>1029</denials><originations>1485</originations><total>2514</total><denial_rate>0.40930787589498807</denial_rate><origination_rate>0.5906921241050119</origination_rate></row>
<row _id="189"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>291</denials><originations>407</originations><total>698</total><denial_rate>0.4169054441260745</denial_rate><origination_rate>0.5830945558739254</origination_rate></row>
<row _id="190"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>301</denials><originations>1800</originations><total>2101</total><denial_rate>0.1432651118514993</denial_rate><origination_rate>0.8567348881485007</origination_rate></row>
<row _id="191"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>1468</denials><originations>4913</originations><total>6381</total><denial_rate>0.23005798464190566</denial_rate><origination_rate>0.7699420153580944</origination_rate></row>
<row _id="192"><year>2012</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>2060</denials><originations>7120</originations><total>9180</total><denial_rate>0.22440087145969498</denial_rate><origination_rate>0.775599128540305</origination_rate></row>
<row _id="193"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>23</denials><originations>19</originations><total>42</total><denial_rate>0.5476190476190477</denial_rate><origination_rate>0.4523809523809524</origination_rate></row>
<row _id="194"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>75</denials><originations>323</originations><total>398</total><denial_rate>0.1884422110552764</denial_rate><origination_rate>0.8115577889447236</origination_rate></row>
<row _id="195"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>195</denials><originations>336</originations><total>531</total><denial_rate>0.3672316384180791</denial_rate><origination_rate>0.632768361581921</origination_rate></row>
<row _id="196"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>293</denials><originations>678</originations><total>971</total><denial_rate>0.30175077239958803</denial_rate><origination_rate>0.698249227600412</origination_rate></row>
<row _id="197"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>209</denials><originations>83</originations><total>292</total><denial_rate>0.7157534246575342</denial_rate><origination_rate>0.2842465753424658</origination_rate></row>
<row _id="198"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>57</denials><originations>154</originations><total>211</total><denial_rate>0.27014218009478674</denial_rate><origination_rate>0.7298578199052133</origination_rate></row>
<row _id="199"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>405</denials><originations>497</originations><total>902</total><denial_rate>0.4490022172949002</denial_rate><origination_rate>0.5509977827050998</origination_rate></row>
<row _id="200"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>671</denials><originations>734</originations><total>1405</total><denial_rate>0.47758007117437723</denial_rate><origination_rate>0.5224199288256228</origination_rate></row>
<row _id="201"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>235</denials><originations>169</originations><total>404</total><denial_rate>0.5816831683168316</denial_rate><origination_rate>0.4183168316831683</origination_rate></row>
<row _id="202"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>137</denials><originations>755</originations><total>892</total><denial_rate>0.15358744394618834</denial_rate><origination_rate>0.8464125560538116</origination_rate></row>
<row _id="203"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>604</denials><originations>1332</originations><total>1936</total><denial_rate>0.3119834710743802</denial_rate><origination_rate>0.6880165289256198</origination_rate></row>
<row _id="204"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>976</denials><originations>2256</originations><total>3232</total><denial_rate>0.30198019801980197</denial_rate><origination_rate>0.698019801980198</origination_rate></row>
<row _id="205"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>66</denials><originations>25</originations><total>91</total><denial_rate>0.7252747252747253</denial_rate><origination_rate>0.27472527472527475</origination_rate></row>
<row _id="206"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>21</denials><originations>131</originations><total>152</total><denial_rate>0.13815789473684212</denial_rate><origination_rate>0.8618421052631579</origination_rate></row>
<row _id="207"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>140</denials><originations>176</originations><total>316</total><denial_rate>0.4430379746835443</denial_rate><origination_rate>0.5569620253164557</origination_rate></row>
<row _id="208"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>227</denials><originations>332</originations><total>559</total><denial_rate>0.40608228980322003</denial_rate><origination_rate>0.59391771019678</origination_rate></row>
<row _id="209"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>304</denials><originations>344</originations><total>648</total><denial_rate>0.4691358024691358</denial_rate><origination_rate>0.5308641975308642</origination_rate></row>
<row _id="210"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>298</denials><originations>1912</originations><total>2210</total><denial_rate>0.134841628959276</denial_rate><origination_rate>0.865158371040724</origination_rate></row>
<row _id="211"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>1551</denials><originations>4088</originations><total>5639</total><denial_rate>0.2750487675119702</denial_rate><origination_rate>0.7249512324880298</origination_rate></row>
<row _id="212"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>2153</denials><originations>6344</originations><total>8497</total><denial_rate>0.2533835471342827</denial_rate><origination_rate>0.7466164528657173</origination_rate></row>
<row _id="213"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>450</denials><originations>437</originations><total>887</total><denial_rate>0.5073280721533259</denial_rate><origination_rate>0.4926719278466742</origination_rate></row>
<row _id="214"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>362</denials><originations>2334</originations><total>2696</total><denial_rate>0.13427299703264095</denial_rate><origination_rate>0.865727002967359</origination_rate></row>
<row _id="215"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>1812</denials><originations>4790</originations><total>6602</total><denial_rate>0.2744622841563163</denial_rate><origination_rate>0.7255377158436838</origination_rate></row>
<row _id="216"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>2624</denials><originations>7561</originations><total>10185</total><denial_rate>0.25763377515954833</denial_rate><origination_rate>0.7423662248404517</origination_rate></row>
<row _id="217"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>246</denials><originations>107</originations><total>353</total><denial_rate>0.6968838526912181</denial_rate><origination_rate>0.3031161473087819</origination_rate></row>
<row _id="218"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>138</denials><originations>495</originations><total>633</total><denial_rate>0.21800947867298578</denial_rate><origination_rate>0.7819905213270142</origination_rate></row>
<row _id="219"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>620</denials><originations>869</originations><total>1489</total><denial_rate>0.41638683680322364</denial_rate><origination_rate>0.5836131631967764</origination_rate></row>
<row _id="220"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>1004</denials><originations>1471</originations><total>2475</total><denial_rate>0.40565656565656566</denial_rate><origination_rate>0.5943434343434344</origination_rate></row>
<row _id="221"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>257</denials><originations>361</originations><total>618</total><denial_rate>0.41585760517799353</denial_rate><origination_rate>0.5841423948220065</origination_rate></row>
<row _id="222"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>243</denials><originations>1962</originations><total>2205</total><denial_rate>0.11020408163265306</denial_rate><origination_rate>0.889795918367347</origination_rate></row>
<row _id="223"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>1283</denials><originations>4096</originations><total>5379</total><denial_rate>0.23852017103550846</denial_rate><origination_rate>0.7614798289644915</origination_rate></row>
<row _id="224"><year>2013</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>1783</denials><originations>6419</originations><total>8202</total><denial_rate>0.21738600341380152</denial_rate><origination_rate>0.7826139965861985</origination_rate></row>
<row _id="225"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>27</denials><originations>23</originations><total>50</total><denial_rate>0.54</denial_rate><origination_rate>0.46</origination_rate></row>
<row _id="226"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>65</denials><originations>369</originations><total>434</total><denial_rate>0.1497695852534562</denial_rate><origination_rate>0.8502304147465438</origination_rate></row>
<row _id="227"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>111</denials><originations>148</originations><total>259</total><denial_rate>0.42857142857142855</denial_rate><origination_rate>0.5714285714285714</origination_rate></row>
<row _id="228"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>203</denials><originations>540</originations><total>743</total><denial_rate>0.2732166890982503</denial_rate><origination_rate>0.7267833109017496</origination_rate></row>
<row _id="229"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>202</denials><originations>67</originations><total>269</total><denial_rate>0.7509293680297398</denial_rate><origination_rate>0.24907063197026022</origination_rate></row>
<row _id="230"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>80</denials><originations>182</originations><total>262</total><denial_rate>0.3053435114503817</denial_rate><origination_rate>0.6946564885496184</origination_rate></row>
<row _id="231"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>326</denials><originations>297</originations><total>623</total><denial_rate>0.5232744783306581</denial_rate><origination_rate>0.4767255216693419</origination_rate></row>
<row _id="232"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>608</denials><originations>546</originations><total>1154</total><denial_rate>0.5268630849220104</denial_rate><origination_rate>0.4731369150779896</origination_rate></row>
<row _id="233"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>282</denials><originations>188</originations><total>470</total><denial_rate>0.6</denial_rate><origination_rate>0.4</origination_rate></row>
<row _id="234"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>122</denials><originations>697</originations><total>819</total><denial_rate>0.14896214896214896</denial_rate><origination_rate>0.851037851037851</origination_rate></row>
<row _id="235"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>428</denials><originations>705</originations><total>1133</total><denial_rate>0.37775816416593117</denial_rate><origination_rate>0.6222418358340689</origination_rate></row>
<row _id="236"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>832</denials><originations>1590</originations><total>2422</total><denial_rate>0.3435177539223782</denial_rate><origination_rate>0.6564822460776218</origination_rate></row>
<row _id="237"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>58</denials><originations>22</originations><total>80</total><denial_rate>0.725</denial_rate><origination_rate>0.275</origination_rate></row>
<row _id="238"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>31</denials><originations>114</originations><total>145</total><denial_rate>0.21379310344827587</denial_rate><origination_rate>0.7862068965517242</origination_rate></row>
<row _id="239"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>94</denials><originations>113</originations><total>207</total><denial_rate>0.45410628019323673</denial_rate><origination_rate>0.5458937198067633</origination_rate></row>
<row _id="240"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>183</denials><originations>249</originations><total>432</total><denial_rate>0.4236111111111111</denial_rate><origination_rate>0.5763888888888888</origination_rate></row>
<row _id="241"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>318</denials><originations>350</originations><total>668</total><denial_rate>0.47604790419161674</denial_rate><origination_rate>0.5239520958083832</origination_rate></row>
<row _id="242"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>284</denials><originations>1938</originations><total>2222</total><denial_rate>0.1278127812781278</denial_rate><origination_rate>0.8721872187218722</origination_rate></row>
<row _id="243"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>962</denials><originations>1770</originations><total>2732</total><denial_rate>0.35212298682284043</denial_rate><origination_rate>0.6478770131771596</origination_rate></row>
<row _id="244"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>1564</denials><originations>4058</originations><total>5622</total><denial_rate>0.2781928139452152</denial_rate><origination_rate>0.7218071860547848</origination_rate></row>
<row _id="245"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>480</denials><originations>458</originations><total>938</total><denial_rate>0.511727078891258</denial_rate><origination_rate>0.488272921108742</origination_rate></row>
<row _id="246"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>349</denials><originations>2395</originations><total>2744</total><denial_rate>0.1271865889212828</denial_rate><origination_rate>0.8728134110787172</origination_rate></row>
<row _id="247"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>1165</denials><originations>2223</originations><total>3388</total><denial_rate>0.34386068476977566</denial_rate><origination_rate>0.6561393152302243</origination_rate></row>
<row _id="248"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>1994</denials><originations>5076</originations><total>7070</total><denial_rate>0.28203677510608205</denial_rate><origination_rate>0.717963224893918</origination_rate></row>
<row _id="249"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>254</denials><originations>93</originations><total>347</total><denial_rate>0.7319884726224783</denial_rate><origination_rate>0.2680115273775216</origination_rate></row>
<row _id="250"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>150</denials><originations>566</originations><total>716</total><denial_rate>0.20949720670391062</denial_rate><origination_rate>0.7905027932960894</origination_rate></row>
<row _id="251"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>463</denials><originations>468</originations><total>931</total><denial_rate>0.49731471535982813</denial_rate><origination_rate>0.5026852846401718</origination_rate></row>
<row _id="252"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>867</denials><originations>1127</originations><total>1994</total><denial_rate>0.43480441323971913</denial_rate><origination_rate>0.5651955867602808</origination_rate></row>
<row _id="253"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>284</denials><originations>396</originations><total>680</total><denial_rate>0.4176470588235294</denial_rate><origination_rate>0.5823529411764706</origination_rate></row>
<row _id="254"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>224</denials><originations>1928</originations><total>2152</total><denial_rate>0.10408921933085502</denial_rate><origination_rate>0.895910780669145</origination_rate></row>
<row _id="255"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>757</denials><originations>1822</originations><total>2579</total><denial_rate>0.29352462194649087</denial_rate><origination_rate>0.7064753780535091</origination_rate></row>
<row _id="256"><year>2014</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>1265</denials><originations>4146</originations><total>5411</total><denial_rate>0.2337830345592312</denial_rate><origination_rate>0.7662169654407688</origination_rate></row>
<row _id="257"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>34</denials><originations>25</originations><total>59</total><denial_rate>0.576271186440678</denial_rate><origination_rate>0.423728813559322</origination_rate></row>
<row _id="258"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>69</denials><originations>426</originations><total>495</total><denial_rate>0.1393939393939394</denial_rate><origination_rate>0.8606060606060606</origination_rate></row>
<row _id="259"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>95</denials><originations>212</originations><total>307</total><denial_rate>0.30944625407166126</denial_rate><origination_rate>0.6905537459283387</origination_rate></row>
<row _id="260"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>198</denials><originations>663</originations><total>861</total><denial_rate>0.22996515679442509</denial_rate><origination_rate>0.7700348432055749</origination_rate></row>
<row _id="261"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>198</denials><originations>64</originations><total>262</total><denial_rate>0.7557251908396947</denial_rate><origination_rate>0.24427480916030533</origination_rate></row>
<row _id="262"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>69</denials><originations>226</originations><total>295</total><denial_rate>0.23389830508474577</denial_rate><origination_rate>0.7661016949152543</origination_rate></row>
<row _id="263"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>327</denials><originations>308</originations><total>635</total><denial_rate>0.5149606299212598</denial_rate><origination_rate>0.48503937007874015</origination_rate></row>
<row _id="264"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>594</denials><originations>598</originations><total>1192</total><denial_rate>0.4983221476510067</denial_rate><origination_rate>0.5016778523489933</origination_rate></row>
<row _id="265"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>268</denials><originations>137</originations><total>405</total><denial_rate>0.6617283950617284</denial_rate><origination_rate>0.33827160493827163</origination_rate></row>
<row _id="266"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>143</denials><originations>910</originations><total>1053</total><denial_rate>0.13580246913580246</denial_rate><origination_rate>0.8641975308641975</origination_rate></row>
<row _id="267"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>399</denials><originations>774</originations><total>1173</total><denial_rate>0.340153452685422</denial_rate><origination_rate>0.659846547314578</origination_rate></row>
<row _id="268"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>810</denials><originations>1821</originations><total>2631</total><denial_rate>0.30786773090079816</denial_rate><origination_rate>0.6921322690992018</origination_rate></row>
<row _id="269"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>70</denials><originations>25</originations><total>95</total><denial_rate>0.7368421052631579</denial_rate><origination_rate>0.2631578947368421</origination_rate></row>
<row _id="270"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>37</denials><originations>165</originations><total>202</total><denial_rate>0.18316831683168316</denial_rate><origination_rate>0.8168316831683168</origination_rate></row>
<row _id="271"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>103</denials><originations>108</originations><total>211</total><denial_rate>0.4881516587677725</denial_rate><origination_rate>0.5118483412322274</origination_rate></row>
<row _id="272"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>210</denials><originations>298</originations><total>508</total><denial_rate>0.41338582677165353</denial_rate><origination_rate>0.5866141732283464</origination_rate></row>
<row _id="273"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>301</denials><originations>308</originations><total>609</total><denial_rate>0.4942528735632184</denial_rate><origination_rate>0.5057471264367817</origination_rate></row>
<row _id="274"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>264</denials><originations>2209</originations><total>2473</total><denial_rate>0.10675293166194905</denial_rate><origination_rate>0.8932470683380509</origination_rate></row>
<row _id="275"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>999</denials><originations>2113</originations><total>3112</total><denial_rate>0.32101542416452444</denial_rate><origination_rate>0.6789845758354756</origination_rate></row>
<row _id="276"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>1564</denials><originations>4630</originations><total>6194</total><denial_rate>0.2525024216984178</denial_rate><origination_rate>0.7474975783015821</origination_rate></row>
<row _id="277"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>435</denials><originations>373</originations><total>808</total><denial_rate>0.5383663366336634</denial_rate><origination_rate>0.46163366336633666</origination_rate></row>
<row _id="278"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>325</denials><originations>2720</originations><total>3045</total><denial_rate>0.10673234811165845</denial_rate><origination_rate>0.8932676518883416</origination_rate></row>
<row _id="279"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>1147</denials><originations>2526</originations><total>3673</total><denial_rate>0.31227879117887286</denial_rate><origination_rate>0.6877212088211272</origination_rate></row>
<row _id="280"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>1907</denials><originations>5619</originations><total>7526</total><denial_rate>0.2533882540526176</denial_rate><origination_rate>0.7466117459473824</origination_rate></row>
<row _id="281"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>245</denials><originations>95</originations><total>340</total><denial_rate>0.7205882352941176</denial_rate><origination_rate>0.27941176470588236</origination_rate></row>
<row _id="282"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>143</denials><originations>670</originations><total>813</total><denial_rate>0.17589175891758918</denial_rate><origination_rate>0.8241082410824109</origination_rate></row>
<row _id="283"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>440</denials><originations>546</originations><total>986</total><denial_rate>0.4462474645030426</denial_rate><origination_rate>0.5537525354969574</origination_rate></row>
<row _id="284"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>828</denials><originations>1311</originations><total>2139</total><denial_rate>0.3870967741935484</denial_rate><origination_rate>0.6129032258064516</origination_rate></row>
<row _id="285"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>238</denials><originations>295</originations><total>533</total><denial_rate>0.44652908067542213</denial_rate><origination_rate>0.5534709193245778</origination_rate></row>
<row _id="286"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>218</denials><originations>2195</originations><total>2413</total><denial_rate>0.09034397016162453</denial_rate><origination_rate>0.9096560298383755</origination_rate></row>
<row _id="287"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>780</denials><originations>2012</originations><total>2792</total><denial_rate>0.2793696275071633</denial_rate><origination_rate>0.7206303724928367</origination_rate></row>
<row _id="288"><year>2015</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>1236</denials><originations>4502</originations><total>5738</total><denial_rate>0.21540606483095154</denial_rate><origination_rate>0.7845939351690484</origination_rate></row>
<row _id="289"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>20</denials><originations>35</originations><total>55</total><denial_rate>0.36363636363636365</denial_rate><origination_rate>0.6363636363636364</origination_rate></row>
<row _id="290"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>58</denials><originations>550</originations><total>608</total><denial_rate>0.09539473684210527</denial_rate><origination_rate>0.9046052631578947</origination_rate></row>
<row _id="291"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>129</denials><originations>191</originations><total>320</total><denial_rate>0.403125</denial_rate><origination_rate>0.596875</origination_rate></row>
<row _id="292"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>207</denials><originations>776</originations><total>983</total><denial_rate>0.2105798575788403</denial_rate><origination_rate>0.7894201424211598</origination_rate></row>
<row _id="293"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>144</denials><originations>79</originations><total>223</total><denial_rate>0.6457399103139013</denial_rate><origination_rate>0.3542600896860987</origination_rate></row>
<row _id="294"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>50</denials><originations>262</originations><total>312</total><denial_rate>0.16025641025641027</denial_rate><origination_rate>0.8397435897435898</origination_rate></row>
<row _id="295"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>322</denials><originations>268</originations><total>590</total><denial_rate>0.5457627118644067</denial_rate><origination_rate>0.4542372881355932</origination_rate></row>
<row _id="296"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>516</denials><originations>609</originations><total>1125</total><denial_rate>0.45866666666666667</denial_rate><origination_rate>0.5413333333333333</origination_rate></row>
<row _id="297"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>179</denials><originations>180</originations><total>359</total><denial_rate>0.4986072423398329</denial_rate><origination_rate>0.5013927576601671</origination_rate></row>
<row _id="298"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>134</denials><originations>1080</originations><total>1214</total><denial_rate>0.11037891268533773</denial_rate><origination_rate>0.8896210873146623</origination_rate></row>
<row _id="299"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>480</denials><originations>805</originations><total>1285</total><denial_rate>0.3735408560311284</denial_rate><origination_rate>0.6264591439688716</origination_rate></row>
<row _id="300"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>793</denials><originations>2065</originations><total>2858</total><denial_rate>0.27746675997200837</denial_rate><origination_rate>0.7225332400279916</origination_rate></row>
<row _id="301"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>49</denials><originations>28</originations><total>77</total><denial_rate>0.6363636363636364</denial_rate><origination_rate>0.36363636363636365</origination_rate></row>
<row _id="302"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>23</denials><originations>188</originations><total>211</total><denial_rate>0.10900473933649289</denial_rate><origination_rate>0.8909952606635071</origination_rate></row>
<row _id="303"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>119</denials><originations>127</originations><total>246</total><denial_rate>0.483739837398374</denial_rate><origination_rate>0.516260162601626</origination_rate></row>
<row _id="304"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>191</denials><originations>343</originations><total>534</total><denial_rate>0.35767790262172283</denial_rate><origination_rate>0.6423220973782772</origination_rate></row>
<row _id="305"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>211</denials><originations>333</originations><total>544</total><denial_rate>0.38786764705882354</denial_rate><origination_rate>0.6121323529411765</origination_rate></row>
<row _id="306"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>239</denials><originations>2480</originations><total>2719</total><denial_rate>0.08789996322177271</denial_rate><origination_rate>0.9121000367782273</origination_rate></row>
<row _id="307"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>1018</denials><originations>2197</originations><total>3215</total><denial_rate>0.3166407465007776</denial_rate><origination_rate>0.6833592534992224</origination_rate></row>
<row _id="308"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>1468</denials><originations>5010</originations><total>6478</total><denial_rate>0.22661315220747144</denial_rate><origination_rate>0.7733868477925285</origination_rate></row>
<row _id="309"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>315</denials><originations>425</originations><total>740</total><denial_rate>0.42567567567567566</denial_rate><origination_rate>0.5743243243243243</origination_rate></row>
<row _id="310"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>314</denials><originations>3163</originations><total>3477</total><denial_rate>0.090307736554501</denial_rate><origination_rate>0.909692263445499</origination_rate></row>
<row _id="311"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>1242</denials><originations>2582</originations><total>3824</total><denial_rate>0.3247907949790795</denial_rate><origination_rate>0.6752092050209205</origination_rate></row>
<row _id="312"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>1871</denials><originations>6170</originations><total>8041</total><denial_rate>0.23268250217634623</denial_rate><origination_rate>0.7673174978236538</origination_rate></row>
<row _id="313"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>174</denials><originations>118</originations><total>292</total><denial_rate>0.5958904109589042</denial_rate><origination_rate>0.4041095890410959</origination_rate></row>
<row _id="314"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>111</denials><originations>824</originations><total>935</total><denial_rate>0.11871657754010695</denial_rate><origination_rate>0.881283422459893</origination_rate></row>
<row _id="315"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>468</denials><originations>477</originations><total>945</total><denial_rate>0.49523809523809526</denial_rate><origination_rate>0.5047619047619047</origination_rate></row>
<row _id="316"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>753</denials><originations>1419</originations><total>2172</total><denial_rate>0.34668508287292815</denial_rate><origination_rate>0.6533149171270718</origination_rate></row>
<row _id="317"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>176</denials><originations>334</originations><total>510</total><denial_rate>0.34509803921568627</denial_rate><origination_rate>0.6549019607843137</origination_rate></row>
<row _id="318"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>220</denials><originations>2508</originations><total>2728</total><denial_rate>0.08064516129032258</denial_rate><origination_rate>0.9193548387096774</origination_rate></row>
<row _id="319"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>825</denials><originations>2179</originations><total>3004</total><denial_rate>0.27463382157123833</denial_rate><origination_rate>0.7253661784287616</origination_rate></row>
<row _id="320"><year>2016</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>1221</denials><originations>5021</originations><total>6242</total><denial_rate>0.1956103812880487</denial_rate><origination_rate>0.8043896187119512</origination_rate></row>
<row _id="321"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>25</denials><originations>32</originations><total>57</total><denial_rate>0.43859649122807015</denial_rate><origination_rate>0.5614035087719298</origination_rate></row>
<row _id="322"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>66</denials><originations>692</originations><total>758</total><denial_rate>0.0870712401055409</denial_rate><origination_rate>0.9129287598944591</origination_rate></row>
<row _id="323"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>66</denials><originations>161</originations><total>227</total><denial_rate>0.2907488986784141</denial_rate><origination_rate>0.7092511013215859</origination_rate></row>
<row _id="324"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>157</denials><originations>885</originations><total>1042</total><denial_rate>0.15067178502879078</denial_rate><origination_rate>0.8493282149712092</origination_rate></row>
<row _id="325"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>112</denials><originations>61</originations><total>173</total><denial_rate>0.6473988439306358</denial_rate><origination_rate>0.35260115606936415</origination_rate></row>
<row _id="326"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>79</denials><originations>304</originations><total>383</total><denial_rate>0.206266318537859</denial_rate><origination_rate>0.793733681462141</origination_rate></row>
<row _id="327"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>284</denials><originations>280</originations><total>564</total><denial_rate>0.5035460992907801</denial_rate><origination_rate>0.49645390070921985</origination_rate></row>
<row _id="328"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>475</denials><originations>645</originations><total>1120</total><denial_rate>0.42410714285714285</denial_rate><origination_rate>0.5758928571428571</origination_rate></row>
<row _id="329"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>163</denials><originations>175</originations><total>338</total><denial_rate>0.4822485207100592</denial_rate><origination_rate>0.5177514792899408</origination_rate></row>
<row _id="330"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>165</denials><originations>1225</originations><total>1390</total><denial_rate>0.11870503597122302</denial_rate><origination_rate>0.8812949640287769</origination_rate></row>
<row _id="331"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>348</denials><originations>619</originations><total>967</total><denial_rate>0.35987590486039295</denial_rate><origination_rate>0.640124095139607</origination_rate></row>
<row _id="332"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>676</denials><originations>2019</originations><total>2695</total><denial_rate>0.250834879406308</denial_rate><origination_rate>0.749165120593692</origination_rate></row>
<row _id="333"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>53</denials><originations>27</originations><total>80</total><denial_rate>0.6625</denial_rate><origination_rate>0.3375</origination_rate></row>
<row _id="334"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>43</denials><originations>233</originations><total>276</total><denial_rate>0.15579710144927536</denial_rate><origination_rate>0.8442028985507246</origination_rate></row>
<row _id="335"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>69</denials><originations>120</originations><total>189</total><denial_rate>0.36507936507936506</denial_rate><origination_rate>0.6349206349206349</origination_rate></row>
<row _id="336"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>165</denials><originations>380</originations><total>545</total><denial_rate>0.30275229357798167</denial_rate><origination_rate>0.6972477064220184</origination_rate></row>
<row _id="337"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>182</denials><originations>326</originations><total>508</total><denial_rate>0.35826771653543305</denial_rate><origination_rate>0.6417322834645669</origination_rate></row>
<row _id="338"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>243</denials><originations>2795</originations><total>3038</total><denial_rate>0.07998683344305464</denial_rate><origination_rate>0.9200131665569453</origination_rate></row>
<row _id="339"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>722</denials><originations>1808</originations><total>2530</total><denial_rate>0.28537549407114626</denial_rate><origination_rate>0.7146245059288537</origination_rate></row>
<row _id="340"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>1147</denials><originations>4929</originations><total>6076</total><denial_rate>0.18877551020408162</denial_rate><origination_rate>0.8112244897959183</origination_rate></row>
<row _id="341"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>262</denials><originations>419</originations><total>681</total><denial_rate>0.38472834067547723</denial_rate><origination_rate>0.6152716593245228</origination_rate></row>
<row _id="342"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>334</denials><originations>3535</originations><total>3869</total><denial_rate>0.08632721633497027</denial_rate><origination_rate>0.9136727836650297</origination_rate></row>
<row _id="343"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>859</denials><originations>2025</originations><total>2884</total><denial_rate>0.2978502080443828</denial_rate><origination_rate>0.7021497919556172</origination_rate></row>
<row _id="344"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>1455</denials><originations>5979</originations><total>7434</total><denial_rate>0.19572235673930588</denial_rate><origination_rate>0.8042776432606941</origination_rate></row>
<row _id="345"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>152</denials><originations>101</originations><total>253</total><denial_rate>0.6007905138339921</denial_rate><origination_rate>0.39920948616600793</origination_rate></row>
<row _id="346"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>146</denials><originations>1023</originations><total>1169</total><denial_rate>0.12489307100085544</denial_rate><origination_rate>0.8751069289991446</origination_rate></row>
<row _id="347"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>366</denials><originations>466</originations><total>832</total><denial_rate>0.43990384615384615</denial_rate><origination_rate>0.5600961538461539</origination_rate></row>
<row _id="348"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>664</denials><originations>1590</originations><total>2254</total><denial_rate>0.29458740017746227</denial_rate><origination_rate>0.7054125998225377</origination_rate></row>
<row _id="349"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>158</denials><originations>342</originations><total>500</total><denial_rate>0.316</denial_rate><origination_rate>0.684</origination_rate></row>
<row _id="350"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>233</denials><originations>2690</originations><total>2923</total><denial_rate>0.07971262401642148</denial_rate><origination_rate>0.9202873759835786</origination_rate></row>
<row _id="351"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>528</denials><originations>1667</originations><total>2195</total><denial_rate>0.24054669703872436</denial_rate><origination_rate>0.7594533029612757</origination_rate></row>
<row _id="352"><year>2017</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>919</denials><originations>4699</originations><total>5618</total><denial_rate>0.1635813456746173</denial_rate><origination_rate>0.8364186543253826</origination_rate></row>
<row _id="353"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>381</denials><originations>234</originations><total>615</total><denial_rate>0.6195121951219512</denial_rate><origination_rate>0.3804878048780488</origination_rate></row>
<row _id="354"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>307</denials><originations>2207</originations><total>2514</total><denial_rate>0.12211614956245027</denial_rate><origination_rate>0.8778838504375497</origination_rate></row>
<row _id="355"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>320</denials><originations>443</originations><total>763</total><denial_rate>0.41939711664482304</denial_rate><origination_rate>0.580602883355177</origination_rate></row>
<row _id="356"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1008</denials><originations>2884</originations><total>3892</total><denial_rate>0.2589928057553957</denial_rate><origination_rate>0.7410071942446043</origination_rate></row>
<row _id="357"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>1595</denials><originations>697</originations><total>2292</total><denial_rate>0.6958987783595113</denial_rate><origination_rate>0.30410122164048864</origination_rate></row>
<row _id="358"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>685</denials><originations>2473</originations><total>3158</total><denial_rate>0.2169094363521216</denial_rate><origination_rate>0.7830905636478784</origination_rate></row>
<row _id="359"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>2170</denials><originations>1870</originations><total>4040</total><denial_rate>0.5371287128712872</denial_rate><origination_rate>0.4628712871287129</origination_rate></row>
<row _id="360"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>4450</denials><originations>5040</originations><total>9490</total><denial_rate>0.46891464699683877</denial_rate><origination_rate>0.5310853530031612</origination_rate></row>
<row _id="361"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>1606</denials><originations>940</originations><total>2546</total><denial_rate>0.6307934014139828</denial_rate><origination_rate>0.3692065985860173</origination_rate></row>
<row _id="362"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>711</denials><originations>4671</originations><total>5382</total><denial_rate>0.13210702341137123</denial_rate><origination_rate>0.8678929765886287</origination_rate></row>
<row _id="363"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>2105</denials><originations>2472</originations><total>4577</total><denial_rate>0.4599082368363557</denial_rate><origination_rate>0.5400917631636443</origination_rate></row>
<row _id="364"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>4422</denials><originations>8083</originations><total>12505</total><denial_rate>0.3536185525789684</denial_rate><origination_rate>0.6463814474210315</origination_rate></row>
<row _id="365"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>416</denials><originations>128</originations><total>544</total><denial_rate>0.7647058823529411</denial_rate><origination_rate>0.23529411764705882</origination_rate></row>
<row _id="366"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>305</denials><originations>1333</originations><total>1638</total><denial_rate>0.1862026862026862</denial_rate><origination_rate>0.8137973137973138</origination_rate></row>
<row _id="367"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>418</denials><originations>417</originations><total>835</total><denial_rate>0.5005988023952096</denial_rate><origination_rate>0.4994011976047904</origination_rate></row>
<row _id="368"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>1139</denials><originations>1878</originations><total>3017</total><denial_rate>0.37752734504474644</denial_rate><origination_rate>0.6224726549552536</origination_rate></row>
<row _id="369"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1615</denials><originations>892</originations><total>2507</total><denial_rate>0.644196250498604</denial_rate><origination_rate>0.3558037495013961</origination_rate></row>
<row _id="370"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>835</denials><originations>5357</originations><total>6192</total><denial_rate>0.1348514211886305</denial_rate><origination_rate>0.8651485788113695</origination_rate></row>
<row _id="371"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>2212</denials><originations>2657</originations><total>4869</total><denial_rate>0.4543027315670569</denial_rate><origination_rate>0.5456972684329431</origination_rate></row>
<row _id="372"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4662</denials><originations>8906</originations><total>13568</total><denial_rate>0.34360259433962265</denial_rate><origination_rate>0.6563974056603774</origination_rate></row>
<row _id="373"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>3035</denials><originations>2197</originations><total>5232</total><denial_rate>0.5800840978593272</denial_rate><origination_rate>0.41991590214067276</origination_rate></row>
<row _id="374"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1472</denials><originations>11387</originations><total>12859</total><denial_rate>0.11447235399331207</denial_rate><origination_rate>0.8855276460066879</origination_rate></row>
<row _id="375"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>4236</denials><originations>6166</originations><total>10402</total><denial_rate>0.40722937896558353</denial_rate><origination_rate>0.5927706210344165</origination_rate></row>
<row _id="376"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>8743</denials><originations>19750</originations><total>28493</total><denial_rate>0.30684729582704523</denial_rate><origination_rate>0.6931527041729547</origination_rate></row>
<row _id="377"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>2098</denials><originations>963</originations><total>3061</total><denial_rate>0.6853969291081345</denial_rate><origination_rate>0.3146030708918654</origination_rate></row>
<row _id="378"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>1027</denials><originations>4775</originations><total>5802</total><denial_rate>0.177007928300586</denial_rate><origination_rate>0.822992071699414</origination_rate></row>
<row _id="379"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>2604</denials><originations>2399</originations><total>5003</total><denial_rate>0.5204877073755747</denial_rate><origination_rate>0.47951229262442535</origination_rate></row>
<row _id="380"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>5729</denials><originations>8137</originations><total>13866</total><denial_rate>0.41316890235107456</denial_rate><origination_rate>0.5868310976489254</origination_rate></row>
<row _id="381"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1334</denials><originations>1382</originations><total>2716</total><denial_rate>0.49116347569955815</denial_rate><origination_rate>0.5088365243004418</origination_rate></row>
<row _id="382"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>729</denials><originations>7746</originations><total>8475</total><denial_rate>0.08601769911504424</denial_rate><origination_rate>0.9139823008849558</origination_rate></row>
<row _id="383"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>1971</denials><originations>4096</originations><total>6067</total><denial_rate>0.3248722597659469</denial_rate><origination_rate>0.6751277402340531</origination_rate></row>
<row _id="384"><year>2018</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>4034</denials><originations>13224</originations><total>17258</total><denial_rate>0.23374666821184378</denial_rate><origination_rate>0.7662533317881562</origination_rate></row>
<row _id="385"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>361</denials><originations>191</originations><total>552</total><denial_rate>0.6539855072463768</denial_rate><origination_rate>0.34601449275362317</origination_rate></row>
<row _id="386"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>293</denials><originations>2399</originations><total>2692</total><denial_rate>0.10884101040118871</denial_rate><origination_rate>0.8911589895988113</origination_rate></row>
<row _id="387"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>355</denials><originations>638</originations><total>993</total><denial_rate>0.35750251762336355</denial_rate><origination_rate>0.6424974823766365</origination_rate></row>
<row _id="388"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1009</denials><originations>3228</originations><total>4237</total><denial_rate>0.23814019353316027</denial_rate><origination_rate>0.7618598064668397</origination_rate></row>
<row _id="389"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>1883</denials><originations>820</originations><total>2703</total><denial_rate>0.6966333703292638</denial_rate><origination_rate>0.30336662967073624</origination_rate></row>
<row _id="390"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>656</denials><originations>2687</originations><total>3343</total><denial_rate>0.19623093030212385</denial_rate><origination_rate>0.8037690696978762</origination_rate></row>
<row _id="391"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>2039</denials><originations>2162</originations><total>4201</total><denial_rate>0.48536062842180433</denial_rate><origination_rate>0.5146393715781956</origination_rate></row>
<row _id="392"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>4578</denials><originations>5669</originations><total>10247</total><denial_rate>0.4467649068019908</denial_rate><origination_rate>0.5532350931980091</origination_rate></row>
<row _id="393"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>1731</denials><originations>1009</originations><total>2740</total><denial_rate>0.6317518248175182</denial_rate><origination_rate>0.36824817518248176</origination_rate></row>
<row _id="394"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>709</denials><originations>5024</originations><total>5733</total><denial_rate>0.12366998081283796</denial_rate><origination_rate>0.876330019187162</origination_rate></row>
<row _id="395"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>2105</denials><originations>3270</originations><total>5375</total><denial_rate>0.3916279069767442</denial_rate><origination_rate>0.6083720930232558</origination_rate></row>
<row _id="396"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>4545</denials><originations>9303</originations><total>13848</total><denial_rate>0.3282062391681109</denial_rate><origination_rate>0.6717937608318891</origination_rate></row>
<row _id="397"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>439</denials><originations>131</originations><total>570</total><denial_rate>0.7701754385964912</denial_rate><origination_rate>0.22982456140350876</origination_rate></row>
<row _id="398"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>244</denials><originations>1417</originations><total>1661</total><denial_rate>0.1468994581577363</denial_rate><origination_rate>0.8531005418422637</origination_rate></row>
<row _id="399"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>476</denials><originations>563</originations><total>1039</total><denial_rate>0.45813282001924927</denial_rate><origination_rate>0.5418671799807507</origination_rate></row>
<row _id="400"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>1159</denials><originations>2111</originations><total>3270</total><denial_rate>0.354434250764526</denial_rate><origination_rate>0.645565749235474</origination_rate></row>
<row _id="401"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1632</denials><originations>951</originations><total>2583</total><denial_rate>0.6318234610917538</denial_rate><origination_rate>0.3681765389082462</origination_rate></row>
<row _id="402"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>783</denials><originations>5601</originations><total>6384</total><denial_rate>0.12265037593984962</denial_rate><origination_rate>0.8773496240601504</origination_rate></row>
<row _id="403"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>2147</denials><originations>3844</originations><total>5991</total><denial_rate>0.3583708896678351</denial_rate><origination_rate>0.641629110332165</origination_rate></row>
<row _id="404"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4562</denials><originations>10396</originations><total>14958</total><denial_rate>0.30498729776708117</denial_rate><origination_rate>0.6950127022329189</origination_rate></row>
<row _id="405"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>3212</denials><originations>2361</originations><total>5573</total><denial_rate>0.5763502601830253</denial_rate><origination_rate>0.4236497398169747</origination_rate></row>
<row _id="406"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1392</denials><originations>11286</originations><total>12678</total><denial_rate>0.10979649787032655</denial_rate><origination_rate>0.8902035021296735</origination_rate></row>
<row _id="407"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>4231</denials><originations>8554</originations><total>12785</total><denial_rate>0.33093468908877594</denial_rate><origination_rate>0.6690653109112241</origination_rate></row>
<row _id="408"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>8835</denials><originations>22201</originations><total>31036</total><denial_rate>0.2846694161618765</denial_rate><origination_rate>0.7153305838381234</origination_rate></row>
<row _id="409"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>2355</denials><originations>1051</originations><total>3406</total><denial_rate>0.6914268937169701</denial_rate><origination_rate>0.30857310628303</origination_rate></row>
<row _id="410"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>980</denials><originations>5172</originations><total>6152</total><denial_rate>0.15929778933680103</denial_rate><origination_rate>0.840702210663199</origination_rate></row>
<row _id="411"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>2511</denials><originations>2882</originations><total>5393</total><denial_rate>0.4656035601705915</denial_rate><origination_rate>0.5343964398294085</origination_rate></row>
<row _id="412"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>5846</denials><originations>9105</originations><total>14951</total><denial_rate>0.3910106347401512</denial_rate><origination_rate>0.6089893652598488</origination_rate></row>
<row _id="413"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1248</denials><originations>1410</originations><total>2658</total><denial_rate>0.46952595936794583</denial_rate><origination_rate>0.5304740406320542</origination_rate></row>
<row _id="414"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>625</denials><originations>7347</originations><total>7972</total><denial_rate>0.07839939789262418</denial_rate><origination_rate>0.9216006021073758</origination_rate></row>
<row _id="415"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>2080</denials><originations>6094</originations><total>8174</total><denial_rate>0.2544653780278933</denial_rate><origination_rate>0.7455346219721066</origination_rate></row>
<row _id="416"><year>2019</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>3953</denials><originations>14851</originations><total>18804</total><denial_rate>0.21022122952563285</denial_rate><origination_rate>0.7897787704743672</origination_rate></row>
<row _id="417"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>190</denials><originations>112</originations><total>302</total><denial_rate>0.6291390728476821</denial_rate><origination_rate>0.3708609271523179</origination_rate></row>
<row _id="418"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>243</denials><originations>1902</originations><total>2145</total><denial_rate>0.11328671328671329</denial_rate><origination_rate>0.8867132867132868</origination_rate></row>
<row _id="419"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>446</denials><originations>1416</originations><total>1862</total><denial_rate>0.23952738990332975</denial_rate><origination_rate>0.7604726100966702</origination_rate></row>
<row _id="420"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>879</denials><originations>3430</originations><total>4309</total><denial_rate>0.20399164539336273</denial_rate><origination_rate>0.7960083546066373</origination_rate></row>
<row _id="421"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>1093</denials><originations>583</originations><total>1676</total><denial_rate>0.6521479713603818</denial_rate><origination_rate>0.3478520286396181</origination_rate></row>
<row _id="422"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>590</denials><originations>2953</originations><total>3543</total><denial_rate>0.16652554332486594</denial_rate><origination_rate>0.8334744566751341</origination_rate></row>
<row _id="423"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>1858</denials><originations>2854</originations><total>4712</total><denial_rate>0.39431239388794564</denial_rate><origination_rate>0.6056876061120543</origination_rate></row>
<row _id="424"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>3541</denials><originations>6390</originations><total>9931</total><denial_rate>0.3565602658342564</denial_rate><origination_rate>0.6434397341657436</origination_rate></row>
<row _id="425"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>1072</denials><originations>755</originations><total>1827</total><denial_rate>0.5867542419266557</denial_rate><origination_rate>0.4132457580733443</origination_rate></row>
<row _id="426"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>600</denials><originations>5320</originations><total>5920</total><denial_rate>0.10135135135135136</denial_rate><origination_rate>0.8986486486486487</origination_rate></row>
<row _id="427"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>2030</denials><originations>5919</originations><total>7949</total><denial_rate>0.2553780349729526</denial_rate><origination_rate>0.7446219650270475</origination_rate></row>
<row _id="428"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>3702</denials><originations>11994</originations><total>15696</total><denial_rate>0.23585626911314986</denial_rate><origination_rate>0.7641437308868502</origination_rate></row>
<row _id="429"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>251</denials><originations>121</originations><total>372</total><denial_rate>0.6747311827956989</denial_rate><origination_rate>0.32526881720430106</origination_rate></row>
<row _id="430"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>180</denials><originations>1431</originations><total>1611</total><denial_rate>0.11173184357541899</denial_rate><origination_rate>0.888268156424581</origination_rate></row>
<row _id="431"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>478</denials><originations>993</originations><total>1471</total><denial_rate>0.3249490142760027</denial_rate><origination_rate>0.6750509857239972</origination_rate></row>
<row _id="432"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>909</denials><originations>2545</originations><total>3454</total><denial_rate>0.2631731325998842</denial_rate><origination_rate>0.7368268674001158</origination_rate></row>
<row _id="433"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>977</denials><originations>676</originations><total>1653</total><denial_rate>0.5910465819721719</denial_rate><origination_rate>0.4089534180278282</origination_rate></row>
<row _id="434"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>734</denials><originations>5663</originations><total>6397</total><denial_rate>0.11474128497733313</denial_rate><origination_rate>0.8852587150226668</origination_rate></row>
<row _id="435"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>2572</denials><originations>7671</originations><total>10243</total><denial_rate>0.251098311041687</denial_rate><origination_rate>0.748901688958313</origination_rate></row>
<row _id="436"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4283</denials><originations>14010</originations><total>18293</total><denial_rate>0.23413327502323292</denial_rate><origination_rate>0.7658667249767671</origination_rate></row>
<row _id="437"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>1897</denials><originations>1648</originations><total>3545</total><denial_rate>0.5351198871650211</denial_rate><origination_rate>0.4648801128349788</origination_rate></row>
<row _id="438"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1251</denials><originations>11441</originations><total>12692</total><denial_rate>0.09856602584305074</denial_rate><origination_rate>0.9014339741569493</origination_rate></row>
<row _id="439"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>4592</denials><originations>16521</originations><total>21113</total><denial_rate>0.21749632927580165</denial_rate><origination_rate>0.7825036707241984</origination_rate></row>
<row _id="440"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>7740</denials><originations>29610</originations><total>37350</total><denial_rate>0.20722891566265061</denial_rate><origination_rate>0.7927710843373494</origination_rate></row>
<row _id="441"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>1351</denials><originations>715</originations><total>2066</total><denial_rate>0.653920619554695</denial_rate><origination_rate>0.34607938044530495</origination_rate></row>
<row _id="442"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>852</denials><originations>4957</originations><total>5809</total><denial_rate>0.14666896195558615</denial_rate><origination_rate>0.8533310380444138</origination_rate></row>
<row _id="443"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>2399</denials><originations>4394</originations><total>6793</total><denial_rate>0.35315766229942586</denial_rate><origination_rate>0.6468423377005741</origination_rate></row>
<row _id="444"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>4602</denials><originations>10066</originations><total>14668</total><denial_rate>0.31374420507226614</denial_rate><origination_rate>0.6862557949277338</origination_rate></row>
<row _id="445"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>795</denials><originations>1052</originations><total>1847</total><denial_rate>0.43042772062804546</denial_rate><origination_rate>0.5695722793719545</origination_rate></row>
<row _id="446"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>570</denials><originations>7725</originations><total>8295</total><denial_rate>0.06871609403254973</denial_rate><origination_rate>0.9312839059674503</origination_rate></row>
<row _id="447"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>2593</denials><originations>12946</originations><total>15539</total><denial_rate>0.16687045498423322</denial_rate><origination_rate>0.8331295450157667</origination_rate></row>
<row _id="448"><year>2020</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>3958</denials><originations>21723</originations><total>25681</total><denial_rate>0.15412172423192244</denial_rate><origination_rate>0.8458782757680776</origination_rate></row>
<row _id="449"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>233</denials><originations>178</originations><total>411</total><denial_rate>0.5669099756690997</denial_rate><origination_rate>0.43309002433090027</origination_rate></row>
<row _id="450"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>293</denials><originations>2967</originations><total>3260</total><denial_rate>0.08987730061349693</denial_rate><origination_rate>0.910122699386503</origination_rate></row>
<row _id="451"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>513</denials><originations>1639</originations><total>2152</total><denial_rate>0.2383828996282528</denial_rate><origination_rate>0.7616171003717472</origination_rate></row>
<row _id="452"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1039</denials><originations>4784</originations><total>5823</total><denial_rate>0.1784303623561738</denial_rate><origination_rate>0.8215696376438262</origination_rate></row>
<row _id="453"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>1429</denials><originations>751</originations><total>2180</total><denial_rate>0.6555045871559633</denial_rate><origination_rate>0.3444954128440367</origination_rate></row>
<row _id="454"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>635</denials><originations>3573</originations><total>4208</total><denial_rate>0.15090304182509506</denial_rate><origination_rate>0.8490969581749049</origination_rate></row>
<row _id="455"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>2410</denials><originations>4077</originations><total>6487</total><denial_rate>0.37151225527979037</denial_rate><origination_rate>0.6284877447202096</origination_rate></row>
<row _id="456"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>4474</denials><originations>8401</originations><total>12875</total><denial_rate>0.347495145631068</denial_rate><origination_rate>0.652504854368932</origination_rate></row>
<row _id="457"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>1372</denials><originations>897</originations><total>2269</total><denial_rate>0.6046716615249008</denial_rate><origination_rate>0.3953283384750992</origination_rate></row>
<row _id="458"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>768</denials><originations>6644</originations><total>7412</total><denial_rate>0.10361575822989746</denial_rate><origination_rate>0.8963842417701026</origination_rate></row>
<row _id="459"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>2579</denials><originations>6917</originations><total>9496</total><denial_rate>0.27158803706823925</denial_rate><origination_rate>0.7284119629317607</origination_rate></row>
<row _id="460"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>4719</denials><originations>14458</originations><total>19177</total><denial_rate>0.24607602857589822</denial_rate><origination_rate>0.7539239714241018</origination_rate></row>
<row _id="461"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>352</denials><originations>176</originations><total>528</total><denial_rate>0.6666666666666666</denial_rate><origination_rate>0.3333333333333333</origination_rate></row>
<row _id="462"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>278</denials><originations>1848</originations><total>2126</total><denial_rate>0.13076199435559738</denial_rate><origination_rate>0.8692380056444027</origination_rate></row>
<row _id="463"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>615</denials><originations>1321</originations><total>1936</total><denial_rate>0.31766528925619836</denial_rate><origination_rate>0.6823347107438017</origination_rate></row>
<row _id="464"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>1245</denials><originations>3345</originations><total>4590</total><denial_rate>0.27124183006535946</denial_rate><origination_rate>0.7287581699346405</origination_rate></row>
<row _id="465"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1131</denials><originations>836</originations><total>1967</total><denial_rate>0.5749872902897813</denial_rate><origination_rate>0.4250127097102186</origination_rate></row>
<row _id="466"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>804</denials><originations>7021</originations><total>7825</total><denial_rate>0.10274760383386582</denial_rate><origination_rate>0.8972523961661342</origination_rate></row>
<row _id="467"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>2832</denials><originations>7701</originations><total>10533</total><denial_rate>0.2688692680148106</denial_rate><origination_rate>0.7311307319851894</origination_rate></row>
<row _id="468"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4767</denials><originations>15558</originations><total>20325</total><denial_rate>0.23453874538745387</denial_rate><origination_rate>0.7654612546125461</origination_rate></row>
<row _id="469"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>2261</denials><originations>1940</originations><total>4201</total><denial_rate>0.538205189240657</denial_rate><origination_rate>0.46179481075934303</origination_rate></row>
<row _id="470"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1379</denials><originations>14092</originations><total>15471</total><denial_rate>0.08913450972787797</denial_rate><origination_rate>0.910865490272122</origination_rate></row>
<row _id="471"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>5217</denials><originations>16599</originations><total>21816</total><denial_rate>0.23913641364136415</denial_rate><origination_rate>0.7608635863586358</origination_rate></row>
<row _id="472"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>8857</denials><originations>32631</originations><total>41488</total><denial_rate>0.2134834168916313</denial_rate><origination_rate>0.7865165831083687</origination_rate></row>
<row _id="473"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>1750</denials><originations>971</originations><total>2721</total><denial_rate>0.6431459022418229</denial_rate><origination_rate>0.3568540977581771</origination_rate></row>
<row _id="474"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>976</denials><originations>6664</originations><total>7640</total><denial_rate>0.12774869109947645</denial_rate><origination_rate>0.8722513089005236</origination_rate></row>
<row _id="475"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>3039</denials><originations>5865</originations><total>8904</total><denial_rate>0.34130727762803237</denial_rate><origination_rate>0.6586927223719676</origination_rate></row>
<row _id="476"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>5765</denials><originations>13500</originations><total>19265</total><denial_rate>0.29924733973527123</denial_rate><origination_rate>0.7007526602647288</origination_rate></row>
<row _id="477"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>801</denials><originations>1132</originations><total>1933</total><denial_rate>0.4143817899637869</denial_rate><origination_rate>0.5856182100362132</origination_rate></row>
<row _id="478"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>613</denials><originations>8834</originations><total>9447</total><denial_rate>0.06488832433576797</denial_rate><origination_rate>0.935111675664232</origination_rate></row>
<row _id="479"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>2591</denials><originations>11692</originations><total>14283</total><denial_rate>0.18140446684870126</denial_rate><origination_rate>0.8185955331512987</origination_rate></row>
<row _id="480"><year>2021</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>4005</denials><originations>21658</originations><total>25663</total><denial_rate>0.15606125550403305</denial_rate><origination_rate>0.843938744495967</origination_rate></row>
<row _id="481"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>267</denials><originations>190</originations><total>457</total><denial_rate>0.5842450765864332</denial_rate><origination_rate>0.41575492341356673</origination_rate></row>
<row _id="482"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>229</denials><originations>2630</originations><total>2859</total><denial_rate>0.0800979363413781</denial_rate><origination_rate>0.9199020636586219</origination_rate></row>
<row _id="483"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>267</denials><originations>546</originations><total>813</total><denial_rate>0.3284132841328413</denial_rate><origination_rate>0.6715867158671587</origination_rate></row>
<row _id="484"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>763</denials><originations>3366</originations><total>4129</total><denial_rate>0.1847905061758295</denial_rate><origination_rate>0.8152094938241705</origination_rate></row>
<row _id="485"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>1685</denials><originations>1020</originations><total>2705</total><denial_rate>0.6229205175600739</denial_rate><origination_rate>0.37707948243992606</origination_rate></row>
<row _id="486"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>652</denials><originations>3021</originations><total>3673</total><denial_rate>0.17751157092295128</denial_rate><origination_rate>0.8224884290770488</origination_rate></row>
<row _id="487"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>2046</denials><originations>2448</originations><total>4494</total><denial_rate>0.4552736982643525</denial_rate><origination_rate>0.5447263017356475</origination_rate></row>
<row _id="488"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>4383</denials><originations>6489</originations><total>10872</total><denial_rate>0.4031456953642384</denial_rate><origination_rate>0.5968543046357616</origination_rate></row>
<row _id="489"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>1627</denials><originations>1101</originations><total>2728</total><denial_rate>0.5964076246334311</denial_rate><origination_rate>0.4035923753665689</origination_rate></row>
<row _id="490"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>666</denials><originations>5400</originations><total>6066</total><denial_rate>0.10979228486646884</denial_rate><origination_rate>0.8902077151335311</origination_rate></row>
<row _id="491"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1853</denials><originations>2856</originations><total>4709</total><denial_rate>0.3935018050541516</denial_rate><origination_rate>0.6064981949458483</origination_rate></row>
<row _id="492"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>4146</denials><originations>9357</originations><total>13503</total><denial_rate>0.3070428793601422</denial_rate><origination_rate>0.6929571206398578</origination_rate></row>
<row _id="493"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>412</denials><originations>212</originations><total>624</total><denial_rate>0.6602564102564102</denial_rate><origination_rate>0.33974358974358976</origination_rate></row>
<row _id="494"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>245</denials><originations>1732</originations><total>1977</total><denial_rate>0.12392513909964593</denial_rate><origination_rate>0.876074860900354</origination_rate></row>
<row _id="495"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>517</denials><originations>586</originations><total>1103</total><denial_rate>0.46872166817769717</denial_rate><origination_rate>0.5312783318223028</origination_rate></row>
<row _id="496"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>1174</denials><originations>2530</originations><total>3704</total><denial_rate>0.3169546436285097</denial_rate><origination_rate>0.6830453563714903</origination_rate></row>
<row _id="497"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1433</denials><originations>1090</originations><total>2523</total><denial_rate>0.5679746333729687</denial_rate><origination_rate>0.43202536662703134</origination_rate></row>
<row _id="498"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>789</denials><originations>5851</originations><total>6640</total><denial_rate>0.11882530120481928</denial_rate><origination_rate>0.8811746987951807</origination_rate></row>
<row _id="499"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>2045</denials><originations>3110</originations><total>5155</total><denial_rate>0.39670223084384093</denial_rate><origination_rate>0.6032977691561591</origination_rate></row>
<row _id="500"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4267</denials><originations>10051</originations><total>14318</total><denial_rate>0.2980164827489873</denial_rate><origination_rate>0.7019835172510127</origination_rate></row>
<row _id="501"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>2718</denials><originations>2436</originations><total>5154</total><denial_rate>0.5273573923166472</denial_rate><origination_rate>0.47264260768335276</origination_rate></row>
<row _id="502"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1281</denials><originations>11520</originations><total>12801</total><denial_rate>0.10007030700726506</denial_rate><origination_rate>0.899929692992735</origination_rate></row>
<row _id="503"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>3487</denials><originations>6334</originations><total>9821</total><denial_rate>0.3550554933306181</denial_rate><origination_rate>0.644944506669382</origination_rate></row>
<row _id="504"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>7486</denials><originations>20290</originations><total>27776</total><denial_rate>0.26951324884792627</denial_rate><origination_rate>0.7304867511520737</origination_rate></row>
<row _id="505"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>2042</denials><originations>1240</originations><total>3282</total><denial_rate>0.6221815965874467</denial_rate><origination_rate>0.3778184034125533</origination_rate></row>
<row _id="506"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>917</denials><originations>5791</originations><total>6708</total><denial_rate>0.13670244484197971</denial_rate><origination_rate>0.8632975551580203</origination_rate></row>
<row _id="507"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>2401</denials><originations>3069</originations><total>5470</total><denial_rate>0.4389396709323583</denial_rate><origination_rate>0.5610603290676417</origination_rate></row>
<row _id="508"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>5360</denials><originations>10100</originations><total>15460</total><denial_rate>0.34670116429495473</denial_rate><origination_rate>0.6532988357050453</origination_rate></row>
<row _id="509"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1044</denials><originations>1382</originations><total>2426</total><denial_rate>0.43033800494641383</denial_rate><origination_rate>0.5696619950535862</origination_rate></row>
<row _id="510"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>537</denials><originations>7056</originations><total>7593</total><denial_rate>0.07072303437376531</denial_rate><origination_rate>0.9292769656262347</origination_rate></row>
<row _id="511"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>1442</denials><originations>3706</originations><total>5148</total><denial_rate>0.2801087801087801</denial_rate><origination_rate>0.7198912198912198</origination_rate></row>
<row _id="512"><year>2022</year><geography>Philadelphia County Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>3023</denials><originations>12144</originations><total>15167</total><denial_rate>0.19931430078459814</denial_rate><origination_rate>0.8006856992154019</origination_rate></row>
<row _id="513"><year>2007</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1061</denials><originations>3035</originations><total>4096</total><denial_rate>0.259033203125</denial_rate><origination_rate>0.740966796875</origination_rate></row>
<row _id="514"><year>2007</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>6110</denials><originations>5925</originations><total>12035</total><denial_rate>0.5076859160781055</denial_rate><origination_rate>0.49231408392189446</origination_rate></row>
<row _id="515"><year>2007</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>11065</denials><originations>20161</originations><total>31226</total><denial_rate>0.3543521424453981</denial_rate><origination_rate>0.645647857554602</origination_rate></row>
<row _id="516"><year>2007</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>2217</denials><originations>2926</originations><total>5143</total><denial_rate>0.4310713591289131</denial_rate><origination_rate>0.568928640871087</origination_rate></row>
<row _id="517"><year>2007</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>22582</denials><originations>69477</originations><total>92059</total><denial_rate>0.24529921028905377</denial_rate><origination_rate>0.7547007897109462</origination_rate></row>
<row _id="518"><year>2007</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>28064</denials><originations>78679</originations><total>106743</total><denial_rate>0.26291185370469256</denial_rate><origination_rate>0.7370881462953074</origination_rate></row>
<row _id="519"><year>2007</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>7663</denials><originations>9493</originations><total>17156</total><denial_rate>0.44666588948472835</denial_rate><origination_rate>0.5533341105152716</origination_rate></row>
<row _id="520"><year>2007</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>22235</denials><originations>69722</originations><total>91957</total><denial_rate>0.2417977967963287</denial_rate><origination_rate>0.7582022032036713</origination_rate></row>
<row _id="521"><year>2007</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>284</denials><originations>382</originations><total>666</total><denial_rate>0.4264264264264264</denial_rate><origination_rate>0.5735735735735735</origination_rate></row>
<row _id="522"><year>2007</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>1591</denials><originations>922</originations><total>2513</total><denial_rate>0.6331078392359729</denial_rate><origination_rate>0.3668921607640271</origination_rate></row>
<row _id="523"><year>2007</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>2698</denials><originations>3894</originations><total>6592</total><denial_rate>0.4092839805825243</denial_rate><origination_rate>0.5907160194174758</origination_rate></row>
<row _id="524"><year>2007</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>612</denials><originations>462</originations><total>1074</total><denial_rate>0.5698324022346368</denial_rate><origination_rate>0.4301675977653631</origination_rate></row>
<row _id="525"><year>2007</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>4856</denials><originations>11079</originations><total>15935</total><denial_rate>0.30473799811735175</denial_rate><origination_rate>0.6952620018826483</origination_rate></row>
<row _id="526"><year>2007</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>6565</denials><originations>13262</originations><total>19827</total><denial_rate>0.3311141372875372</denial_rate><origination_rate>0.6688858627124628</origination_rate></row>
<row _id="527"><year>2007</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>2032</denials><originations>1408</originations><total>3440</total><denial_rate>0.5906976744186047</denial_rate><origination_rate>0.40930232558139534</origination_rate></row>
<row _id="528"><year>2007</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>5136</denials><originations>12391</originations><total>17527</total><denial_rate>0.2930336052946882</denial_rate><origination_rate>0.7069663947053118</origination_rate></row>
<row _id="529"><year>2007</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>217</denials><originations>1748</originations><total>1965</total><denial_rate>0.11043256997455471</denial_rate><origination_rate>0.8895674300254452</origination_rate></row>
<row _id="530"><year>2007</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>753</denials><originations>1783</originations><total>2536</total><denial_rate>0.2969242902208202</denial_rate><origination_rate>0.7030757097791798</origination_rate></row>
<row _id="531"><year>2007</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>1083</denials><originations>6550</originations><total>7633</total><denial_rate>0.1418839250622298</denial_rate><origination_rate>0.8581160749377702</origination_rate></row>
<row _id="532"><year>2007</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>347</denials><originations>1246</originations><total>1593</total><denial_rate>0.21782799748901444</denial_rate><origination_rate>0.7821720025109855</origination_rate></row>
<row _id="533"><year>2007</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>2667</denials><originations>25989</originations><total>28656</total><denial_rate>0.09306951423785595</denial_rate><origination_rate>0.9069304857621441</origination_rate></row>
<row _id="534"><year>2007</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>3114</denials><originations>29225</originations><total>32339</total><denial_rate>0.09629240236247255</denial_rate><origination_rate>0.9037075976375274</origination_rate></row>
<row _id="535"><year>2007</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>1016</denials><originations>3680</originations><total>4696</total><denial_rate>0.21635434412265758</denial_rate><origination_rate>0.7836456558773425</origination_rate></row>
<row _id="536"><year>2007</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>2376</denials><originations>24607</originations><total>26983</total><denial_rate>0.088055442315532</denial_rate><origination_rate>0.911944557684468</origination_rate></row>
<row _id="537"><year>2007</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>560</denials><originations>905</originations><total>1465</total><denial_rate>0.3822525597269625</denial_rate><origination_rate>0.6177474402730375</origination_rate></row>
<row _id="538"><year>2007</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>3766</denials><originations>3220</originations><total>6986</total><denial_rate>0.5390781563126252</denial_rate><origination_rate>0.46092184368737477</origination_rate></row>
<row _id="539"><year>2007</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>7284</denials><originations>9717</originations><total>17001</total><denial_rate>0.42844538556555495</denial_rate><origination_rate>0.571554614434445</origination_rate></row>
<row _id="540"><year>2007</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>1258</denials><originations>1218</originations><total>2476</total><denial_rate>0.5080775444264943</denial_rate><origination_rate>0.49192245557350567</origination_rate></row>
<row _id="541"><year>2007</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>15059</denials><originations>32409</originations><total>47468</total><denial_rate>0.3172453020982557</denial_rate><origination_rate>0.6827546979017444</origination_rate></row>
<row _id="542"><year>2007</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>18385</denials><originations>36192</originations><total>54577</total><denial_rate>0.33686351393444125</denial_rate><origination_rate>0.6631364860655588</origination_rate></row>
<row _id="543"><year>2007</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>4615</denials><originations>4405</originations><total>9020</total><denial_rate>0.511640798226164</denial_rate><origination_rate>0.4883592017738359</origination_rate></row>
<row _id="544"><year>2007</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>14723</denials><originations>32724</originations><total>47447</total><denial_rate>0.3103041288174173</denial_rate><origination_rate>0.6896958711825827</origination_rate></row>
<row _id="545"><year>2008</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1122</denials><originations>2751</originations><total>3873</total><denial_rate>0.28969790859798605</denial_rate><origination_rate>0.710302091402014</origination_rate></row>
<row _id="546"><year>2008</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>4340</denials><originations>3822</originations><total>8162</total><denial_rate>0.5317324185248714</denial_rate><origination_rate>0.46826758147512865</origination_rate></row>
<row _id="547"><year>2008</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>8786</denials><originations>15021</originations><total>23807</total><denial_rate>0.36905111941865837</denial_rate><origination_rate>0.6309488805813416</origination_rate></row>
<row _id="548"><year>2008</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>1648</denials><originations>2103</originations><total>3751</total><denial_rate>0.43934950679818713</denial_rate><origination_rate>0.5606504932018128</origination_rate></row>
<row _id="549"><year>2008</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>18426</denials><originations>54354</originations><total>72780</total><denial_rate>0.2531739488870569</denial_rate><origination_rate>0.7468260511129431</origination_rate></row>
<row _id="550"><year>2008</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>23735</denials><originations>61315</originations><total>85050</total><denial_rate>0.2790711346266902</denial_rate><origination_rate>0.7209288653733098</origination_rate></row>
<row _id="551"><year>2008</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>5852</denials><originations>6973</originations><total>12825</total><denial_rate>0.4562962962962963</denial_rate><origination_rate>0.5437037037037037</origination_rate></row>
<row _id="552"><year>2008</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>19417</denials><originations>56556</originations><total>75973</total><denial_rate>0.2555776394245324</denial_rate><origination_rate>0.7444223605754676</origination_rate></row>
<row _id="553"><year>2008</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>239</denials><originations>211</originations><total>450</total><denial_rate>0.5311111111111111</denial_rate><origination_rate>0.4688888888888889</origination_rate></row>
<row _id="554"><year>2008</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>849</denials><originations>440</originations><total>1289</total><denial_rate>0.6586501163692785</denial_rate><origination_rate>0.3413498836307215</origination_rate></row>
<row _id="555"><year>2008</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>1824</denials><originations>2030</originations><total>3854</total><denial_rate>0.47327451997924236</denial_rate><origination_rate>0.5267254800207577</origination_rate></row>
<row _id="556"><year>2008</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>419</denials><originations>199</originations><total>618</total><denial_rate>0.6779935275080906</denial_rate><origination_rate>0.3220064724919094</origination_rate></row>
<row _id="557"><year>2008</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>3190</denials><originations>6143</originations><total>9333</total><denial_rate>0.34179792135433407</denial_rate><origination_rate>0.6582020786456659</origination_rate></row>
<row _id="558"><year>2008</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>4314</denials><originations>7283</originations><total>11597</total><denial_rate>0.3719927567474347</denial_rate><origination_rate>0.6280072432525653</origination_rate></row>
<row _id="559"><year>2008</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>1190</denials><originations>714</originations><total>1904</total><denial_rate>0.625</denial_rate><origination_rate>0.375</origination_rate></row>
<row _id="560"><year>2008</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>3550</denials><originations>6832</originations><total>10382</total><denial_rate>0.34193796956270467</denial_rate><origination_rate>0.6580620304372953</origination_rate></row>
<row _id="561"><year>2008</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>240</denials><originations>1530</originations><total>1770</total><denial_rate>0.13559322033898305</denial_rate><origination_rate>0.864406779661017</origination_rate></row>
<row _id="562"><year>2008</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>389</denials><originations>1286</originations><total>1675</total><denial_rate>0.23223880597014926</denial_rate><origination_rate>0.7677611940298508</origination_rate></row>
<row _id="563"><year>2008</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>756</denials><originations>5223</originations><total>5979</total><denial_rate>0.12644254892122428</denial_rate><origination_rate>0.8735574510787757</origination_rate></row>
<row _id="564"><year>2008</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>196</denials><originations>905</originations><total>1101</total><denial_rate>0.17801998183469572</denial_rate><origination_rate>0.8219800181653043</origination_rate></row>
<row _id="565"><year>2008</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>2188</denials><originations>19510</originations><total>21698</total><denial_rate>0.10083878698497557</denial_rate><origination_rate>0.8991612130150244</origination_rate></row>
<row _id="566"><year>2008</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>2494</denials><originations>22339</originations><total>24833</total><denial_rate>0.10043087826682237</denial_rate><origination_rate>0.8995691217331776</origination_rate></row>
<row _id="567"><year>2008</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>665</denials><originations>2941</originations><total>3606</total><denial_rate>0.1844148641153633</denial_rate><origination_rate>0.8155851358846368</origination_rate></row>
<row _id="568"><year>2008</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>2022</denials><originations>20210</originations><total>22232</total><denial_rate>0.09094998200791651</denial_rate><origination_rate>0.9090500179920835</origination_rate></row>
<row _id="569"><year>2008</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>643</denials><originations>1010</originations><total>1653</total><denial_rate>0.38898971566848156</denial_rate><origination_rate>0.6110102843315185</origination_rate></row>
<row _id="570"><year>2008</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>3102</denials><originations>2096</originations><total>5198</total><denial_rate>0.5967679876875721</denial_rate><origination_rate>0.40323201231242783</origination_rate></row>
<row _id="571"><year>2008</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>6206</denials><originations>7768</originations><total>13974</total><denial_rate>0.44411049091169313</denial_rate><origination_rate>0.5558895090883068</origination_rate></row>
<row _id="572"><year>2008</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>1033</denials><originations>999</originations><total>2032</total><denial_rate>0.5083661417322834</denial_rate><origination_rate>0.49163385826771655</origination_rate></row>
<row _id="573"><year>2008</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>13048</denials><originations>28701</originations><total>41749</total><denial_rate>0.31253443196244224</denial_rate><origination_rate>0.6874655680375578</origination_rate></row>
<row _id="574"><year>2008</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>16927</denials><originations>31693</originations><total>48620</total><denial_rate>0.3481489099136158</denial_rate><origination_rate>0.6518510900863842</origination_rate></row>
<row _id="575"><year>2008</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>3997</denials><originations>3318</originations><total>7315</total><denial_rate>0.5464114832535886</denial_rate><origination_rate>0.4535885167464115</origination_rate></row>
<row _id="576"><year>2008</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>13845</denials><originations>29514</originations><total>43359</total><denial_rate>0.31931086971563</denial_rate><origination_rate>0.6806891302843701</origination_rate></row>
<row _id="577"><year>2009</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1330</denials><originations>4324</originations><total>5654</total><denial_rate>0.23523169437566324</denial_rate><origination_rate>0.7647683056243367</origination_rate></row>
<row _id="578"><year>2009</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>2295</denials><originations>3098</originations><total>5393</total><denial_rate>0.425551641016132</denial_rate><origination_rate>0.5744483589838679</origination_rate></row>
<row _id="579"><year>2009</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>6335</denials><originations>17791</originations><total>24126</total><denial_rate>0.26257978943877974</denial_rate><origination_rate>0.7374202105612203</origination_rate></row>
<row _id="580"><year>2009</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>1053</denials><originations>2091</originations><total>3144</total><denial_rate>0.3349236641221374</denial_rate><origination_rate>0.6650763358778626</origination_rate></row>
<row _id="581"><year>2009</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>17022</denials><originations>77692</originations><total>94714</total><denial_rate>0.1797199991553519</denial_rate><origination_rate>0.8202800008446481</origination_rate></row>
<row _id="582"><year>2009</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>20234</denials><originations>85827</originations><total>106061</total><denial_rate>0.19077700568540745</denial_rate><origination_rate>0.8092229943145925</origination_rate></row>
<row _id="583"><year>2009</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>3818</denials><originations>7920</originations><total>11738</total><denial_rate>0.325268359175328</denial_rate><origination_rate>0.674731640824672</origination_rate></row>
<row _id="584"><year>2009</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>17430</denials><originations>80098</originations><total>97528</total><denial_rate>0.17871790665244852</denial_rate><origination_rate>0.8212820933475514</origination_rate></row>
<row _id="585"><year>2009</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>109</denials><originations>131</originations><total>240</total><denial_rate>0.45416666666666666</denial_rate><origination_rate>0.5458333333333333</origination_rate></row>
<row _id="586"><year>2009</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>396</denials><originations>211</originations><total>607</total><denial_rate>0.6523887973640856</denial_rate><origination_rate>0.34761120263591433</origination_rate></row>
<row _id="587"><year>2009</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>972</denials><originations>1271</originations><total>2243</total><denial_rate>0.4333481943825234</denial_rate><origination_rate>0.5666518056174766</origination_rate></row>
<row _id="588"><year>2009</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>195</denials><originations>99</originations><total>294</total><denial_rate>0.6632653061224489</denial_rate><origination_rate>0.336734693877551</origination_rate></row>
<row _id="589"><year>2009</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1694</denials><originations>4024</originations><total>5718</total><denial_rate>0.2962574326687653</denial_rate><origination_rate>0.7037425673312347</origination_rate></row>
<row _id="590"><year>2009</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>2205</denials><originations>4633</originations><total>6838</total><denial_rate>0.32246270839426733</denial_rate><origination_rate>0.6775372916057326</origination_rate></row>
<row _id="591"><year>2009</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>547</denials><originations>360</originations><total>907</total><denial_rate>0.6030871003307607</denial_rate><origination_rate>0.39691289966923926</origination_rate></row>
<row _id="592"><year>2009</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1833</denials><originations>4412</originations><total>6245</total><denial_rate>0.2935148118494796</denial_rate><origination_rate>0.7064851881505204</origination_rate></row>
<row _id="593"><year>2009</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>249</denials><originations>1214</originations><total>1463</total><denial_rate>0.17019822282980177</denial_rate><origination_rate>0.8298017771701982</origination_rate></row>
<row _id="594"><year>2009</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>247</denials><originations>865</originations><total>1112</total><denial_rate>0.2221223021582734</denial_rate><origination_rate>0.7778776978417267</origination_rate></row>
<row _id="595"><year>2009</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>646</denials><originations>4530</originations><total>5176</total><denial_rate>0.12480680061823803</denial_rate><origination_rate>0.875193199381762</origination_rate></row>
<row _id="596"><year>2009</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>132</denials><originations>713</originations><total>845</total><denial_rate>0.15621301775147928</denial_rate><origination_rate>0.8437869822485207</origination_rate></row>
<row _id="597"><year>2009</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1732</denials><originations>15878</originations><total>17610</total><denial_rate>0.09835320840431573</denial_rate><origination_rate>0.9016467915956843</origination_rate></row>
<row _id="598"><year>2009</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>2000</denials><originations>18347</originations><total>20347</total><denial_rate>0.09829458888288199</denial_rate><origination_rate>0.901705411117118</origination_rate></row>
<row _id="599"><year>2009</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>512</denials><originations>2253</originations><total>2765</total><denial_rate>0.18517179023508137</denial_rate><origination_rate>0.8148282097649187</origination_rate></row>
<row _id="600"><year>2009</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1614</denials><originations>16775</originations><total>18389</total><denial_rate>0.08776986241774974</denial_rate><origination_rate>0.9122301375822502</origination_rate></row>
<row _id="601"><year>2009</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>972</denials><originations>2979</originations><total>3951</total><denial_rate>0.2460136674259681</denial_rate><origination_rate>0.7539863325740319</origination_rate></row>
<row _id="602"><year>2009</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>1652</denials><originations>2022</originations><total>3674</total><denial_rate>0.4496461622210125</denial_rate><origination_rate>0.5503538377789875</origination_rate></row>
<row _id="603"><year>2009</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>4717</denials><originations>11990</originations><total>16707</total><denial_rate>0.28233674507691386</denial_rate><origination_rate>0.7176632549230861</origination_rate></row>
<row _id="604"><year>2009</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>726</denials><originations>1279</originations><total>2005</total><denial_rate>0.36209476309226934</denial_rate><origination_rate>0.6379052369077307</origination_rate></row>
<row _id="605"><year>2009</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>13596</denials><originations>57790</originations><total>71386</total><denial_rate>0.1904575126775558</denial_rate><origination_rate>0.8095424873224442</origination_rate></row>
<row _id="606"><year>2009</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>16029</denials><originations>62847</originations><total>78876</total><denial_rate>0.2032177088087631</denial_rate><origination_rate>0.7967822911912369</origination_rate></row>
<row _id="607"><year>2009</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>2759</denials><originations>5307</originations><total>8066</total><denial_rate>0.34205306223654847</denial_rate><origination_rate>0.6579469377634515</origination_rate></row>
<row _id="608"><year>2009</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>13983</denials><originations>58911</originations><total>72894</total><denial_rate>0.19182648777677175</denial_rate><origination_rate>0.8081735122232282</origination_rate></row>
<row _id="609"><year>2010</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1172</denials><originations>4234</originations><total>5406</total><denial_rate>0.21679615242323344</denial_rate><origination_rate>0.7832038475767665</origination_rate></row>
<row _id="610"><year>2010</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>1627</denials><originations>2407</originations><total>4034</total><denial_rate>0.4033217649975211</denial_rate><origination_rate>0.596678235002479</origination_rate></row>
<row _id="611"><year>2010</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>5079</denials><originations>15074</originations><total>20153</total><denial_rate>0.2520220314593361</denial_rate><origination_rate>0.7479779685406639</origination_rate></row>
<row _id="612"><year>2010</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>801</denials><originations>1697</originations><total>2498</total><denial_rate>0.3206565252201761</denial_rate><origination_rate>0.6793434747798238</origination_rate></row>
<row _id="613"><year>2010</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>15371</denials><originations>68530</originations><total>83901</total><denial_rate>0.18320401425489566</denial_rate><origination_rate>0.8167959857451044</origination_rate></row>
<row _id="614"><year>2010</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>18058</denials><originations>76584</originations><total>94642</total><denial_rate>0.19080323746328268</denial_rate><origination_rate>0.8091967625367174</origination_rate></row>
<row _id="615"><year>2010</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2975</denials><originations>6951</originations><total>9926</total><denial_rate>0.2997179125528914</denial_rate><origination_rate>0.7002820874471086</origination_rate></row>
<row _id="616"><year>2010</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>15829</denials><originations>71448</originations><total>87277</total><denial_rate>0.18136507900134055</denial_rate><origination_rate>0.8186349209986594</origination_rate></row>
<row _id="617"><year>2010</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>110</denials><originations>103</originations><total>213</total><denial_rate>0.5164319248826291</denial_rate><origination_rate>0.4835680751173709</origination_rate></row>
<row _id="618"><year>2010</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>359</denials><originations>235</originations><total>594</total><denial_rate>0.6043771043771043</denial_rate><origination_rate>0.3956228956228956</origination_rate></row>
<row _id="619"><year>2010</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>889</denials><originations>1238</originations><total>2127</total><denial_rate>0.41795956746591445</denial_rate><origination_rate>0.5820404325340856</origination_rate></row>
<row _id="620"><year>2010</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>157</denials><originations>95</originations><total>252</total><denial_rate>0.623015873015873</denial_rate><origination_rate>0.376984126984127</origination_rate></row>
<row _id="621"><year>2010</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1658</denials><originations>3901</originations><total>5559</total><denial_rate>0.2982550818492535</denial_rate><origination_rate>0.7017449181507466</origination_rate></row>
<row _id="622"><year>2010</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>2156</denials><originations>4604</originations><total>6760</total><denial_rate>0.31893491124260354</denial_rate><origination_rate>0.6810650887573965</origination_rate></row>
<row _id="623"><year>2010</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>505</denials><originations>361</originations><total>866</total><denial_rate>0.5831408775981525</denial_rate><origination_rate>0.4168591224018476</origination_rate></row>
<row _id="624"><year>2010</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1820</denials><originations>4366</originations><total>6186</total><denial_rate>0.2942127384416424</denial_rate><origination_rate>0.7057872615583576</origination_rate></row>
<row _id="625"><year>2010</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>203</denials><originations>1262</originations><total>1465</total><denial_rate>0.1385665529010239</denial_rate><origination_rate>0.8614334470989761</origination_rate></row>
<row _id="626"><year>2010</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>195</denials><originations>770</originations><total>965</total><denial_rate>0.20207253886010362</denial_rate><origination_rate>0.7979274611398963</origination_rate></row>
<row _id="627"><year>2010</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>586</denials><originations>3711</originations><total>4297</total><denial_rate>0.13637421456830348</denial_rate><origination_rate>0.8636257854316965</origination_rate></row>
<row _id="628"><year>2010</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>125</denials><originations>597</originations><total>722</total><denial_rate>0.1731301939058172</denial_rate><origination_rate>0.8268698060941828</origination_rate></row>
<row _id="629"><year>2010</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1630</denials><originations>13835</originations><total>15465</total><denial_rate>0.10539928871645651</denial_rate><origination_rate>0.8946007112835435</origination_rate></row>
<row _id="630"><year>2010</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1929</denials><originations>16040</originations><total>17969</total><denial_rate>0.10735154989147977</denial_rate><origination_rate>0.8926484501085202</origination_rate></row>
<row _id="631"><year>2010</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>421</denials><originations>2114</originations><total>2535</total><denial_rate>0.16607495069033532</denial_rate><origination_rate>0.8339250493096647</origination_rate></row>
<row _id="632"><year>2010</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1610</denials><originations>14526</originations><total>16136</total><denial_rate>0.09977689638076351</denial_rate><origination_rate>0.9002231036192365</origination_rate></row>
<row _id="633"><year>2010</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>859</denials><originations>2869</originations><total>3728</total><denial_rate>0.23041845493562232</denial_rate><origination_rate>0.7695815450643777</origination_rate></row>
<row _id="634"><year>2010</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>1073</denials><originations>1402</originations><total>2475</total><denial_rate>0.43353535353535355</denial_rate><origination_rate>0.5664646464646464</origination_rate></row>
<row _id="635"><year>2010</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>3604</denials><originations>10125</originations><total>13729</total><denial_rate>0.2625100152960886</denial_rate><origination_rate>0.7374899847039115</origination_rate></row>
<row _id="636"><year>2010</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>519</denials><originations>1005</originations><total>1524</total><denial_rate>0.3405511811023622</denial_rate><origination_rate>0.6594488188976378</origination_rate></row>
<row _id="637"><year>2010</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>12083</denials><originations>50794</originations><total>62877</total><denial_rate>0.1921688375717671</denial_rate><origination_rate>0.8078311624282329</origination_rate></row>
<row _id="638"><year>2010</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>13973</denials><originations>55940</originations><total>69913</total><denial_rate>0.1998626864817702</denial_rate><origination_rate>0.8001373135182298</origination_rate></row>
<row _id="639"><year>2010</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>2049</denials><originations>4476</originations><total>6525</total><denial_rate>0.3140229885057471</denial_rate><origination_rate>0.6859770114942528</origination_rate></row>
<row _id="640"><year>2010</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>12399</denials><originations>52556</originations><total>64955</total><denial_rate>0.19088599799861442</denial_rate><origination_rate>0.8091140020013856</origination_rate></row>
<row _id="641"><year>2011</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1187</denials><originations>3781</originations><total>4968</total><denial_rate>0.2389291465378422</denial_rate><origination_rate>0.7610708534621579</origination_rate></row>
<row _id="642"><year>2011</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>1461</denials><originations>2128</originations><total>3589</total><denial_rate>0.40707718027305656</denial_rate><origination_rate>0.5929228197269434</origination_rate></row>
<row _id="643"><year>2011</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>4552</denials><originations>13400</originations><total>17952</total><denial_rate>0.2535650623885918</denial_rate><origination_rate>0.7464349376114082</origination_rate></row>
<row _id="644"><year>2011</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>729</denials><originations>1503</originations><total>2232</total><denial_rate>0.32661290322580644</denial_rate><origination_rate>0.6733870967741935</origination_rate></row>
<row _id="645"><year>2011</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>14347</denials><originations>59322</originations><total>73669</total><denial_rate>0.1947494875727918</denial_rate><origination_rate>0.8052505124272082</origination_rate></row>
<row _id="646"><year>2011</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>16834</denials><originations>67182</originations><total>84016</total><denial_rate>0.2003665968386974</denial_rate><origination_rate>0.7996334031613026</origination_rate></row>
<row _id="647"><year>2011</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2809</denials><originations>6182</originations><total>8991</total><denial_rate>0.3124235346457569</denial_rate><origination_rate>0.6875764653542431</origination_rate></row>
<row _id="648"><year>2011</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>14673</denials><originations>62477</originations><total>77150</total><denial_rate>0.19018794556059623</denial_rate><origination_rate>0.8098120544394037</origination_rate></row>
<row _id="649"><year>2011</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>115</denials><originations>113</originations><total>228</total><denial_rate>0.5043859649122807</denial_rate><origination_rate>0.4956140350877193</origination_rate></row>
<row _id="650"><year>2011</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>368</denials><originations>186</originations><total>554</total><denial_rate>0.6642599277978339</denial_rate><origination_rate>0.33574007220216606</origination_rate></row>
<row _id="651"><year>2011</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>882</denials><originations>1157</originations><total>2039</total><denial_rate>0.4325649828347229</denial_rate><origination_rate>0.5674350171652771</origination_rate></row>
<row _id="652"><year>2011</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>160</denials><originations>108</originations><total>268</total><denial_rate>0.5970149253731343</denial_rate><origination_rate>0.40298507462686567</origination_rate></row>
<row _id="653"><year>2011</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1591</denials><originations>3336</originations><total>4927</total><denial_rate>0.32291455246600365</denial_rate><origination_rate>0.6770854475339964</origination_rate></row>
<row _id="654"><year>2011</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>2127</denials><originations>4066</originations><total>6193</total><denial_rate>0.34345228483772</denial_rate><origination_rate>0.6565477151622799</origination_rate></row>
<row _id="655"><year>2011</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>520</denials><originations>323</originations><total>843</total><denial_rate>0.6168446026097272</denial_rate><origination_rate>0.3831553973902728</origination_rate></row>
<row _id="656"><year>2011</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1797</denials><originations>3855</originations><total>5652</total><denial_rate>0.3179405520169851</denial_rate><origination_rate>0.6820594479830149</origination_rate></row>
<row _id="657"><year>2011</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>236</denials><originations>1123</originations><total>1359</total><denial_rate>0.17365710080941868</denial_rate><origination_rate>0.8263428991905813</origination_rate></row>
<row _id="658"><year>2011</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>165</denials><originations>544</originations><total>709</total><denial_rate>0.23272214386459802</denial_rate><origination_rate>0.767277856135402</origination_rate></row>
<row _id="659"><year>2011</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>561</denials><originations>3317</originations><total>3878</total><denial_rate>0.1446621970087674</denial_rate><origination_rate>0.8553378029912326</origination_rate></row>
<row _id="660"><year>2011</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>113</denials><originations>472</originations><total>585</total><denial_rate>0.19316239316239317</denial_rate><origination_rate>0.8068376068376069</origination_rate></row>
<row _id="661"><year>2011</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1652</denials><originations>12508</originations><total>14160</total><denial_rate>0.11666666666666667</denial_rate><origination_rate>0.8833333333333333</origination_rate></row>
<row _id="662"><year>2011</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1936</denials><originations>14515</originations><total>16451</total><denial_rate>0.11768281563430795</denial_rate><origination_rate>0.8823171843656921</origination_rate></row>
<row _id="663"><year>2011</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>413</denials><originations>1716</originations><total>2129</total><denial_rate>0.19398778769375294</denial_rate><origination_rate>0.8060122123062471</origination_rate></row>
<row _id="664"><year>2011</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1623</denials><originations>13287</originations><total>14910</total><denial_rate>0.10885311871227364</denial_rate><origination_rate>0.8911468812877263</origination_rate></row>
<row _id="665"><year>2011</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>836</denials><originations>2545</originations><total>3381</total><denial_rate>0.24726412304052056</denial_rate><origination_rate>0.7527358769594794</origination_rate></row>
<row _id="666"><year>2011</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>928</denials><originations>1398</originations><total>2326</total><denial_rate>0.3989681857265692</denial_rate><origination_rate>0.6010318142734308</origination_rate></row>
<row _id="667"><year>2011</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>3109</denials><originations>8926</originations><total>12035</total><denial_rate>0.2583298712089738</denial_rate><origination_rate>0.7416701287910262</origination_rate></row>
<row _id="668"><year>2011</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>456</denials><originations>923</originations><total>1379</total><denial_rate>0.3306744017403916</denial_rate><origination_rate>0.6693255982596084</origination_rate></row>
<row _id="669"><year>2011</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>11104</denials><originations>43478</originations><total>54582</total><denial_rate>0.203437030522883</denial_rate><origination_rate>0.796562969477117</origination_rate></row>
<row _id="670"><year>2011</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>12771</denials><originations>48601</originations><total>61372</total><denial_rate>0.20809163788046667</denial_rate><origination_rate>0.7919083621195333</origination_rate></row>
<row _id="671"><year>2011</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1876</denials><originations>4143</originations><total>6019</total><denial_rate>0.3116796810101346</denial_rate><origination_rate>0.6883203189898655</origination_rate></row>
<row _id="672"><year>2011</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>11253</denials><originations>45335</originations><total>56588</total><denial_rate>0.19885841521170566</denial_rate><origination_rate>0.8011415847882943</origination_rate></row>
<row _id="673"><year>2012</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1363</denials><originations>4896</originations><total>6259</total><denial_rate>0.21776641636044097</denial_rate><origination_rate>0.7822335836395591</origination_rate></row>
<row _id="674"><year>2012</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>1712</denials><originations>2870</originations><total>4582</total><denial_rate>0.37363596682671324</denial_rate><origination_rate>0.6263640331732868</origination_rate></row>
<row _id="675"><year>2012</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>5251</denials><originations>17197</originations><total>22448</total><denial_rate>0.2339183891660727</denial_rate><origination_rate>0.7660816108339273</origination_rate></row>
<row _id="676"><year>2012</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>789</denials><originations>1887</originations><total>2676</total><denial_rate>0.2948430493273543</denial_rate><origination_rate>0.7051569506726457</origination_rate></row>
<row _id="677"><year>2012</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>16729</denials><originations>76653</originations><total>93382</total><denial_rate>0.17914587393716133</denial_rate><origination_rate>0.8208541260628387</origination_rate></row>
<row _id="678"><year>2012</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>19582</denials><originations>86958</originations><total>106540</total><denial_rate>0.18379951192040547</denial_rate><origination_rate>0.8162004880795946</origination_rate></row>
<row _id="679"><year>2012</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>3268</denials><originations>8106</originations><total>11374</total><denial_rate>0.28732196237031826</denial_rate><origination_rate>0.7126780376296817</origination_rate></row>
<row _id="680"><year>2012</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>17026</denials><originations>80759</originations><total>97785</total><denial_rate>0.17411668456307205</denial_rate><origination_rate>0.825883315436928</origination_rate></row>
<row _id="681"><year>2012</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>98</denials><originations>101</originations><total>199</total><denial_rate>0.49246231155778897</denial_rate><origination_rate>0.507537688442211</origination_rate></row>
<row _id="682"><year>2012</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>348</denials><originations>243</originations><total>591</total><denial_rate>0.5888324873096447</denial_rate><origination_rate>0.41116751269035534</origination_rate></row>
<row _id="683"><year>2012</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>869</denials><originations>1268</originations><total>2137</total><denial_rate>0.4066448291998128</denial_rate><origination_rate>0.5933551708001872</origination_rate></row>
<row _id="684"><year>2012</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>149</denials><originations>104</originations><total>253</total><denial_rate>0.5889328063241107</denial_rate><origination_rate>0.41106719367588934</origination_rate></row>
<row _id="685"><year>2012</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1490</denials><originations>3712</originations><total>5202</total><denial_rate>0.2864282968089196</denial_rate><origination_rate>0.7135717031910803</origination_rate></row>
<row _id="686"><year>2012</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>2048</denials><originations>4534</originations><total>6582</total><denial_rate>0.31115162564570037</denial_rate><origination_rate>0.6888483743542996</origination_rate></row>
<row _id="687"><year>2012</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>489</denials><originations>370</originations><total>859</total><denial_rate>0.5692665890570431</denial_rate><origination_rate>0.4307334109429569</origination_rate></row>
<row _id="688"><year>2012</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1726</denials><originations>4322</originations><total>6048</total><denial_rate>0.2853835978835979</denial_rate><origination_rate>0.7146164021164021</origination_rate></row>
<row _id="689"><year>2012</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>210</denials><originations>1228</originations><total>1438</total><denial_rate>0.14603616133518776</denial_rate><origination_rate>0.8539638386648123</origination_rate></row>
<row _id="690"><year>2012</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>246</denials><originations>611</originations><total>857</total><denial_rate>0.2870478413068845</denial_rate><origination_rate>0.7129521586931156</origination_rate></row>
<row _id="691"><year>2012</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>703</denials><originations>3881</originations><total>4584</total><denial_rate>0.15335951134380454</denial_rate><origination_rate>0.8466404886561955</origination_rate></row>
<row _id="692"><year>2012</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>111</denials><originations>519</originations><total>630</total><denial_rate>0.1761904761904762</denial_rate><origination_rate>0.8238095238095238</origination_rate></row>
<row _id="693"><year>2012</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1910</denials><originations>14216</originations><total>16126</total><denial_rate>0.1184422671462235</denial_rate><origination_rate>0.8815577328537765</origination_rate></row>
<row _id="694"><year>2012</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>2234</denials><originations>16656</originations><total>18890</total><denial_rate>0.11826363155108523</denial_rate><origination_rate>0.8817363684489148</origination_rate></row>
<row _id="695"><year>2012</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>481</denials><originations>1901</originations><total>2382</total><denial_rate>0.2019311502938707</denial_rate><origination_rate>0.7980688497061293</origination_rate></row>
<row _id="696"><year>2012</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1859</denials><originations>15241</originations><total>17100</total><denial_rate>0.10871345029239766</denial_rate><origination_rate>0.8912865497076023</origination_rate></row>
<row _id="697"><year>2012</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>1055</denials><originations>3567</originations><total>4622</total><denial_rate>0.2282561661618347</denial_rate><origination_rate>0.7717438338381652</origination_rate></row>
<row _id="698"><year>2012</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>1118</denials><originations>2016</originations><total>3134</total><denial_rate>0.3567326100829611</denial_rate><origination_rate>0.6432673899170389</origination_rate></row>
<row _id="699"><year>2012</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>3679</denials><originations>12048</originations><total>15727</total><denial_rate>0.23392891206205887</denial_rate><origination_rate>0.7660710879379411</origination_rate></row>
<row _id="700"><year>2012</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>529</denials><originations>1264</originations><total>1793</total><denial_rate>0.29503625209146683</denial_rate><origination_rate>0.7049637479085332</origination_rate></row>
<row _id="701"><year>2012</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>13329</denials><originations>58725</originations><total>72054</total><denial_rate>0.18498626030477142</denial_rate><origination_rate>0.8150137396952286</origination_rate></row>
<row _id="702"><year>2012</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>15300</denials><originations>65768</originations><total>81068</total><denial_rate>0.18873044851235998</denial_rate><origination_rate>0.81126955148764</origination_rate></row>
<row _id="703"><year>2012</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>2298</denials><originations>5835</originations><total>8133</total><denial_rate>0.28255256362965697</denial_rate><origination_rate>0.717447436370343</origination_rate></row>
<row _id="704"><year>2012</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>13441</denials><originations>61196</originations><total>74637</total><denial_rate>0.1800849444645417</denial_rate><origination_rate>0.8199150555354583</origination_rate></row>
<row _id="705"><year>2013</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1146</denials><originations>4029</originations><total>5175</total><denial_rate>0.22144927536231884</denial_rate><origination_rate>0.7785507246376812</origination_rate></row>
<row _id="706"><year>2013</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>1600</denials><originations>2650</originations><total>4250</total><denial_rate>0.3764705882352941</denial_rate><origination_rate>0.6235294117647059</origination_rate></row>
<row _id="707"><year>2013</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>4427</denials><originations>14520</originations><total>18947</total><denial_rate>0.2336517654509949</denial_rate><origination_rate>0.7663482345490051</origination_rate></row>
<row _id="708"><year>2013</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>812</denials><originations>1836</originations><total>2648</total><denial_rate>0.3066465256797583</denial_rate><origination_rate>0.6933534743202417</origination_rate></row>
<row _id="709"><year>2013</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>13540</denials><originations>59533</originations><total>73073</total><denial_rate>0.18529415789689763</denial_rate><origination_rate>0.8147058421031024</origination_rate></row>
<row _id="710"><year>2013</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>15886</denials><originations>68411</originations><total>84297</total><denial_rate>0.18845273260021117</denial_rate><origination_rate>0.8115472673997889</origination_rate></row>
<row _id="711"><year>2013</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2914</denials><originations>6993</originations><total>9907</total><denial_rate>0.29413545977591604</denial_rate><origination_rate>0.705864540224084</origination_rate></row>
<row _id="712"><year>2013</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>13673</denials><originations>63282</originations><total>76955</total><denial_rate>0.17767526476512246</denial_rate><origination_rate>0.8223247352348775</origination_rate></row>
<row _id="713"><year>2013</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>89</denials><originations>99</originations><total>188</total><denial_rate>0.4734042553191489</denial_rate><origination_rate>0.526595744680851</origination_rate></row>
<row _id="714"><year>2013</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>336</denials><originations>199</originations><total>535</total><denial_rate>0.6280373831775701</denial_rate><origination_rate>0.3719626168224299</origination_rate></row>
<row _id="715"><year>2013</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>842</denials><originations>1196</originations><total>2038</total><denial_rate>0.41315014720314036</denial_rate><origination_rate>0.5868498527968596</origination_rate></row>
<row _id="716"><year>2013</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>144</denials><originations>113</originations><total>257</total><denial_rate>0.5603112840466926</denial_rate><origination_rate>0.4396887159533074</origination_rate></row>
<row _id="717"><year>2013</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1385</denials><originations>3255</originations><total>4640</total><denial_rate>0.2984913793103448</denial_rate><origination_rate>0.7015086206896551</origination_rate></row>
<row _id="718"><year>2013</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>1977</denials><originations>4098</originations><total>6075</total><denial_rate>0.3254320987654321</denial_rate><origination_rate>0.6745679012345679</origination_rate></row>
<row _id="719"><year>2013</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>465</denials><originations>321</originations><total>786</total><denial_rate>0.5916030534351145</denial_rate><origination_rate>0.4083969465648855</origination_rate></row>
<row _id="720"><year>2013</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1666</denials><originations>3929</originations><total>5595</total><denial_rate>0.29776586237712244</denial_rate><origination_rate>0.7022341376228776</origination_rate></row>
<row _id="721"><year>2013</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>295</denials><originations>1616</originations><total>1911</total><denial_rate>0.1543694400837258</denial_rate><origination_rate>0.8456305599162742</origination_rate></row>
<row _id="722"><year>2013</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>203</denials><originations>629</originations><total>832</total><denial_rate>0.2439903846153846</denial_rate><origination_rate>0.7560096153846154</origination_rate></row>
<row _id="723"><year>2013</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>613</denials><originations>4313</originations><total>4926</total><denial_rate>0.1244417377182298</denial_rate><origination_rate>0.8755582622817702</origination_rate></row>
<row _id="724"><year>2013</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>135</denials><originations>593</originations><total>728</total><denial_rate>0.18543956043956045</denial_rate><origination_rate>0.8145604395604396</origination_rate></row>
<row _id="725"><year>2013</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1915</denials><originations>16159</originations><total>18074</total><denial_rate>0.10595330308730773</denial_rate><origination_rate>0.8940466969126922</origination_rate></row>
<row _id="726"><year>2013</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>2191</denials><originations>18982</originations><total>21173</total><denial_rate>0.10348084825012989</denial_rate><origination_rate>0.8965191517498701</origination_rate></row>
<row _id="727"><year>2013</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>527</denials><originations>2310</originations><total>2837</total><denial_rate>0.18575960521677828</denial_rate><origination_rate>0.8142403947832217</origination_rate></row>
<row _id="728"><year>2013</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1804</denials><originations>17242</originations><total>19046</total><denial_rate>0.09471805103433792</denial_rate><origination_rate>0.905281948965662</origination_rate></row>
<row _id="729"><year>2013</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>762</denials><originations>2314</originations><total>3076</total><denial_rate>0.24772431729518857</denial_rate><origination_rate>0.7522756827048115</origination_rate></row>
<row _id="730"><year>2013</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>1061</denials><originations>1822</originations><total>2883</total><denial_rate>0.36801942421089145</denial_rate><origination_rate>0.6319805757891086</origination_rate></row>
<row _id="731"><year>2013</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>2972</denials><originations>9011</originations><total>11983</total><denial_rate>0.24801802553617625</denial_rate><origination_rate>0.7519819744638238</origination_rate></row>
<row _id="732"><year>2013</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>533</denials><originations>1130</originations><total>1663</total><denial_rate>0.3205051112447384</denial_rate><origination_rate>0.6794948887552615</origination_rate></row>
<row _id="733"><year>2013</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>10240</denials><originations>40119</originations><total>50359</total><denial_rate>0.20334001866597828</denial_rate><origination_rate>0.7966599813340217</origination_rate></row>
<row _id="734"><year>2013</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>11718</denials><originations>45331</originations><total>57049</total><denial_rate>0.20540237339830672</denial_rate><origination_rate>0.7945976266016933</origination_rate></row>
<row _id="735"><year>2013</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1922</denials><originations>4362</originations><total>6284</total><denial_rate>0.3058561425843412</denial_rate><origination_rate>0.6941438574156589</origination_rate></row>
<row _id="736"><year>2013</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>10203</denials><originations>42111</originations><total>52314</total><denial_rate>0.19503383415529305</denial_rate><origination_rate>0.8049661658447069</origination_rate></row>
<row _id="737"><year>2014</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>736</denials><originations>2547</originations><total>3283</total><denial_rate>0.22418519646664636</denial_rate><origination_rate>0.7758148035333536</origination_rate></row>
<row _id="738"><year>2014</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>1394</denials><originations>1804</originations><total>3198</total><denial_rate>0.4358974358974359</denial_rate><origination_rate>0.5641025641025641</origination_rate></row>
<row _id="739"><year>2014</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>3263</denials><originations>9167</originations><total>12430</total><denial_rate>0.26251005631536606</denial_rate><origination_rate>0.7374899436846339</origination_rate></row>
<row _id="740"><year>2014</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>577</denials><originations>1137</originations><total>1714</total><denial_rate>0.33663943990665113</denial_rate><origination_rate>0.6633605600933489</origination_rate></row>
<row _id="741"><year>2014</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>8380</denials><originations>32237</originations><total>40617</total><denial_rate>0.20631755176403968</denial_rate><origination_rate>0.7936824482359603</origination_rate></row>
<row _id="742"><year>2014</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>10283</denials><originations>38408</originations><total>48691</total><denial_rate>0.21118892608490275</denial_rate><origination_rate>0.7888110739150972</origination_rate></row>
<row _id="743"><year>2014</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2284</denials><originations>4529</originations><total>6813</total><denial_rate>0.335241450168795</denial_rate><origination_rate>0.6647585498312051</origination_rate></row>
<row _id="744"><year>2014</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>8453</denials><originations>34866</originations><total>43319</total><denial_rate>0.19513377501789053</denial_rate><origination_rate>0.8048662249821095</origination_rate></row>
<row _id="745"><year>2014</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>103</denials><originations>94</originations><total>197</total><denial_rate>0.5228426395939086</denial_rate><origination_rate>0.47715736040609136</origination_rate></row>
<row _id="746"><year>2014</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>354</denials><originations>168</originations><total>522</total><denial_rate>0.6781609195402298</denial_rate><origination_rate>0.3218390804597701</origination_rate></row>
<row _id="747"><year>2014</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>870</denials><originations>1151</originations><total>2021</total><denial_rate>0.4304799604156358</denial_rate><origination_rate>0.5695200395843641</origination_rate></row>
<row _id="748"><year>2014</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>121</denials><originations>85</originations><total>206</total><denial_rate>0.587378640776699</denial_rate><origination_rate>0.41262135922330095</origination_rate></row>
<row _id="749"><year>2014</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1343</denials><originations>2761</originations><total>4104</total><denial_rate>0.3272417153996101</denial_rate><origination_rate>0.6727582846003899</origination_rate></row>
<row _id="750"><year>2014</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>1939</denials><originations>3572</originations><total>5511</total><denial_rate>0.35184177100344766</denial_rate><origination_rate>0.6481582289965524</origination_rate></row>
<row _id="751"><year>2014</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>507</denials><originations>285</originations><total>792</total><denial_rate>0.6401515151515151</denial_rate><origination_rate>0.35984848484848486</origination_rate></row>
<row _id="752"><year>2014</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1562</denials><originations>3417</originations><total>4979</total><denial_rate>0.31371761397871056</denial_rate><origination_rate>0.6862823860212894</origination_rate></row>
<row _id="753"><year>2014</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>242</denials><originations>1665</originations><total>1907</total><denial_rate>0.12690089145254327</denial_rate><origination_rate>0.8730991085474568</origination_rate></row>
<row _id="754"><year>2014</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>208</denials><originations>736</originations><total>944</total><denial_rate>0.22033898305084745</denial_rate><origination_rate>0.7796610169491526</origination_rate></row>
<row _id="755"><year>2014</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>577</denials><originations>4224</originations><total>4801</total><denial_rate>0.12018329514684441</denial_rate><origination_rate>0.8798167048531556</origination_rate></row>
<row _id="756"><year>2014</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>135</denials><originations>607</originations><total>742</total><denial_rate>0.18194070080862534</denial_rate><origination_rate>0.8180592991913747</origination_rate></row>
<row _id="757"><year>2014</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1671</denials><originations>15764</originations><total>17435</total><denial_rate>0.09584169773444222</denial_rate><origination_rate>0.9041583022655578</origination_rate></row>
<row _id="758"><year>2014</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1990</denials><originations>18629</originations><total>20619</total><denial_rate>0.0965129249721131</denial_rate><origination_rate>0.9034870750278869</origination_rate></row>
<row _id="759"><year>2014</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>477</denials><originations>2477</originations><total>2954</total><denial_rate>0.16147596479350035</denial_rate><origination_rate>0.8385240352064997</origination_rate></row>
<row _id="760"><year>2014</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1639</denials><originations>16692</originations><total>18331</total><denial_rate>0.08941137963013475</denial_rate><origination_rate>0.9105886203698652</origination_rate></row>
<row _id="761"><year>2014</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>391</denials><originations>788</originations><total>1179</total><denial_rate>0.33163698049194235</denial_rate><origination_rate>0.6683630195080577</origination_rate></row>
<row _id="762"><year>2014</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>832</denials><originations>900</originations><total>1732</total><denial_rate>0.48036951501154734</denial_rate><origination_rate>0.5196304849884527</origination_rate></row>
<row _id="763"><year>2014</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1816</denials><originations>3792</originations><total>5608</total><denial_rate>0.3238231098430813</denial_rate><origination_rate>0.6761768901569187</origination_rate></row>
<row _id="764"><year>2014</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>321</denials><originations>445</originations><total>766</total><denial_rate>0.41906005221932113</denial_rate><origination_rate>0.5809399477806788</origination_rate></row>
<row _id="765"><year>2014</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>5366</denials><originations>13712</originations><total>19078</total><denial_rate>0.2812663801237027</denial_rate><origination_rate>0.7187336198762974</origination_rate></row>
<row _id="766"><year>2014</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>6354</denials><originations>16207</originations><total>22561</total><denial_rate>0.28163645228491646</denial_rate><origination_rate>0.7183635477150836</origination_rate></row>
<row _id="767"><year>2014</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1300</denials><originations>1767</originations><total>3067</total><denial_rate>0.42386697098141507</denial_rate><origination_rate>0.576133029018585</origination_rate></row>
<row _id="768"><year>2014</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>5252</denials><originations>14757</originations><total>20009</total><denial_rate>0.26248188315258136</denial_rate><origination_rate>0.7375181168474186</origination_rate></row>
<row _id="769"><year>2015</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>742</denials><originations>3171</originations><total>3913</total><denial_rate>0.18962432915921287</denial_rate><origination_rate>0.8103756708407871</origination_rate></row>
<row _id="770"><year>2015</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>1408</denials><originations>2085</originations><total>3493</total><denial_rate>0.40309189808187806</denial_rate><origination_rate>0.5969081019181219</origination_rate></row>
<row _id="771"><year>2015</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>3220</denials><originations>10933</originations><total>14153</total><denial_rate>0.22751360135660284</denial_rate><origination_rate>0.7724863986433972</origination_rate></row>
<row _id="772"><year>2015</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>612</denials><originations>1450</originations><total>2062</total><denial_rate>0.2967992240543162</denial_rate><origination_rate>0.7032007759456838</origination_rate></row>
<row _id="773"><year>2015</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>8774</denials><originations>38842</originations><total>47616</total><denial_rate>0.1842657930107527</denial_rate><origination_rate>0.8157342069892473</origination_rate></row>
<row _id="774"><year>2015</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>10513</denials><originations>45811</originations><total>56324</total><denial_rate>0.18665222640437468</denial_rate><origination_rate>0.8133477735956253</origination_rate></row>
<row _id="775"><year>2015</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2278</denials><originations>5507</originations><total>7785</total><denial_rate>0.29261400128452153</denial_rate><origination_rate>0.7073859987154785</origination_rate></row>
<row _id="776"><year>2015</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>8695</denials><originations>41400</originations><total>50095</total><denial_rate>0.17357021658848187</denial_rate><origination_rate>0.8264297834115181</origination_rate></row>
<row _id="777"><year>2015</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>97</denials><originations>124</originations><total>221</total><denial_rate>0.43891402714932126</denial_rate><origination_rate>0.5610859728506787</origination_rate></row>
<row _id="778"><year>2015</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>321</denials><originations>167</originations><total>488</total><denial_rate>0.6577868852459017</denial_rate><origination_rate>0.3422131147540984</origination_rate></row>
<row _id="779"><year>2015</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>814</denials><originations>1144</originations><total>1958</total><denial_rate>0.4157303370786517</denial_rate><origination_rate>0.5842696629213483</origination_rate></row>
<row _id="780"><year>2015</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>128</denials><originations>112</originations><total>240</total><denial_rate>0.5333333333333333</denial_rate><origination_rate>0.4666666666666667</origination_rate></row>
<row _id="781"><year>2015</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1226</denials><originations>2908</originations><total>4134</total><denial_rate>0.2965650701499758</denial_rate><origination_rate>0.7034349298500242</origination_rate></row>
<row _id="782"><year>2015</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>1751</denials><originations>3712</originations><total>5463</total><denial_rate>0.3205198608822991</denial_rate><origination_rate>0.6794801391177009</origination_rate></row>
<row _id="783"><year>2015</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>451</denials><originations>314</originations><total>765</total><denial_rate>0.5895424836601307</denial_rate><origination_rate>0.41045751633986927</origination_rate></row>
<row _id="784"><year>2015</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1395</denials><originations>3526</originations><total>4921</total><denial_rate>0.283478967689494</denial_rate><origination_rate>0.716521032310506</origination_rate></row>
<row _id="785"><year>2015</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>243</denials><originations>1834</originations><total>2077</total><denial_rate>0.11699566682715455</denial_rate><origination_rate>0.8830043331728454</origination_rate></row>
<row _id="786"><year>2015</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>194</denials><originations>895</originations><total>1089</total><denial_rate>0.1781450872359963</denial_rate><origination_rate>0.8218549127640037</origination_rate></row>
<row _id="787"><year>2015</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>527</denials><originations>5004</originations><total>5531</total><denial_rate>0.09528114265051528</denial_rate><origination_rate>0.9047188573494848</origination_rate></row>
<row _id="788"><year>2015</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>121</denials><originations>743</originations><total>864</total><denial_rate>0.1400462962962963</denial_rate><origination_rate>0.8599537037037037</origination_rate></row>
<row _id="789"><year>2015</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1518</denials><originations>16876</originations><total>18394</total><denial_rate>0.08252691094922257</denial_rate><origination_rate>0.9174730890507774</origination_rate></row>
<row _id="790"><year>2015</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1774</denials><originations>20125</originations><total>21899</total><denial_rate>0.08100826521758984</denial_rate><origination_rate>0.9189917347824101</origination_rate></row>
<row _id="791"><year>2015</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>455</denials><originations>2823</originations><total>3278</total><denial_rate>0.13880414887126297</denial_rate><origination_rate>0.8611958511287371</origination_rate></row>
<row _id="792"><year>2015</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1428</denials><originations>17894</originations><total>19322</total><denial_rate>0.07390539281647862</denial_rate><origination_rate>0.9260946071835213</origination_rate></row>
<row _id="793"><year>2015</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>402</denials><originations>1213</originations><total>1615</total><denial_rate>0.24891640866873066</denial_rate><origination_rate>0.7510835913312693</origination_rate></row>
<row _id="794"><year>2015</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>893</denials><originations>1023</originations><total>1916</total><denial_rate>0.4660751565762004</denial_rate><origination_rate>0.5339248434237995</origination_rate></row>
<row _id="795"><year>2015</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1879</denials><originations>4785</originations><total>6664</total><denial_rate>0.2819627851140456</denial_rate><origination_rate>0.7180372148859544</origination_rate></row>
<row _id="796"><year>2015</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>363</denials><originations>595</originations><total>958</total><denial_rate>0.37891440501043844</denial_rate><origination_rate>0.6210855949895616</origination_rate></row>
<row _id="797"><year>2015</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>6030</denials><originations>19058</originations><total>25088</total><denial_rate>0.24035395408163265</denial_rate><origination_rate>0.7596460459183674</origination_rate></row>
<row _id="798"><year>2015</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>6988</denials><originations>21974</originations><total>28962</total><denial_rate>0.2412816794420275</denial_rate><origination_rate>0.7587183205579725</origination_rate></row>
<row _id="799"><year>2015</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1372</denials><originations>2370</originations><total>3742</total><denial_rate>0.36664885088188137</denial_rate><origination_rate>0.6333511491181186</origination_rate></row>
<row _id="800"><year>2015</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>5872</denials><originations>19980</originations><total>25852</total><denial_rate>0.2271390994894012</denial_rate><origination_rate>0.7728609005105987</origination_rate></row>
<row _id="801"><year>2016</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>822</denials><originations>3610</originations><total>4432</total><denial_rate>0.18546931407942238</denial_rate><origination_rate>0.8145306859205776</origination_rate></row>
<row _id="802"><year>2016</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>1411</denials><originations>2324</originations><total>3735</total><denial_rate>0.37777777777777777</denial_rate><origination_rate>0.6222222222222222</origination_rate></row>
<row _id="803"><year>2016</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>3550</denials><originations>12204</originations><total>15754</total><denial_rate>0.22533959629300496</denial_rate><origination_rate>0.7746604037069951</origination_rate></row>
<row _id="804"><year>2016</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>691</denials><originations>1644</originations><total>2335</total><denial_rate>0.29593147751605997</denial_rate><origination_rate>0.70406852248394</origination_rate></row>
<row _id="805"><year>2016</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>9191</denials><originations>41725</originations><total>50916</total><denial_rate>0.18051300180689764</denial_rate><origination_rate>0.8194869981931023</origination_rate></row>
<row _id="806"><year>2016</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>11279</denials><originations>49513</originations><total>60792</total><denial_rate>0.18553428082642454</denial_rate><origination_rate>0.8144657191735755</origination_rate></row>
<row _id="807"><year>2016</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2352</denials><originations>6169</originations><total>8521</total><denial_rate>0.27602394085201265</denial_rate><origination_rate>0.7239760591479873</origination_rate></row>
<row _id="808"><year>2016</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>9393</denials><originations>44673</originations><total>54066</total><denial_rate>0.17373210520474974</denial_rate><origination_rate>0.8262678947952502</origination_rate></row>
<row _id="809"><year>2016</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>64</denials><originations>128</originations><total>192</total><denial_rate>0.3333333333333333</denial_rate><origination_rate>0.6666666666666666</origination_rate></row>
<row _id="810"><year>2016</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>275</denials><originations>201</originations><total>476</total><denial_rate>0.5777310924369747</denial_rate><origination_rate>0.4222689075630252</origination_rate></row>
<row _id="811"><year>2016</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>662</denials><originations>1276</originations><total>1938</total><denial_rate>0.3415892672858617</denial_rate><origination_rate>0.6584107327141383</origination_rate></row>
<row _id="812"><year>2016</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>132</denials><originations>119</originations><total>251</total><denial_rate>0.5258964143426295</denial_rate><origination_rate>0.47410358565737054</origination_rate></row>
<row _id="813"><year>2016</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1095</denials><originations>3102</originations><total>4197</total><denial_rate>0.26090064331665475</denial_rate><origination_rate>0.7390993566833453</origination_rate></row>
<row _id="814"><year>2016</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>1533</denials><originations>3983</originations><total>5516</total><denial_rate>0.2779187817258883</denial_rate><origination_rate>0.7220812182741116</origination_rate></row>
<row _id="815"><year>2016</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>361</denials><originations>360</originations><total>721</total><denial_rate>0.5006934812760055</denial_rate><origination_rate>0.49930651872399445</origination_rate></row>
<row _id="816"><year>2016</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1286</denials><originations>3782</originations><total>5068</total><denial_rate>0.2537490134175217</denial_rate><origination_rate>0.7462509865824783</origination_rate></row>
<row _id="817"><year>2016</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>261</denials><originations>2109</originations><total>2370</total><denial_rate>0.11012658227848102</denial_rate><origination_rate>0.889873417721519</origination_rate></row>
<row _id="818"><year>2016</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>252</denials><originations>1122</originations><total>1374</total><denial_rate>0.18340611353711792</denial_rate><origination_rate>0.8165938864628821</origination_rate></row>
<row _id="819"><year>2016</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>704</denials><originations>5866</originations><total>6570</total><denial_rate>0.1071537290715373</denial_rate><origination_rate>0.8928462709284627</origination_rate></row>
<row _id="820"><year>2016</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>180</denials><originations>919</originations><total>1099</total><denial_rate>0.1637852593266606</denial_rate><origination_rate>0.8362147406733395</origination_rate></row>
<row _id="821"><year>2016</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1558</denials><originations>18108</originations><total>19666</total><denial_rate>0.0792230245093054</denial_rate><origination_rate>0.9207769754906946</origination_rate></row>
<row _id="822"><year>2016</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1940</denials><originations>22029</originations><total>23969</total><denial_rate>0.08093787809253619</denial_rate><origination_rate>0.9190621219074638</origination_rate></row>
<row _id="823"><year>2016</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>525</denials><originations>3318</originations><total>3843</total><denial_rate>0.1366120218579235</denial_rate><origination_rate>0.8633879781420765</origination_rate></row>
<row _id="824"><year>2016</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1569</denials><originations>19464</originations><total>21033</total><denial_rate>0.07459706176009129</denial_rate><origination_rate>0.9254029382399087</origination_rate></row>
<row _id="825"><year>2016</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>497</denials><originations>1373</originations><total>1870</total><denial_rate>0.2657754010695187</denial_rate><origination_rate>0.7342245989304813</origination_rate></row>
<row _id="826"><year>2016</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>884</denials><originations>1001</originations><total>1885</total><denial_rate>0.4689655172413793</denial_rate><origination_rate>0.5310344827586206</origination_rate></row>
<row _id="827"><year>2016</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>2184</denials><originations>5062</originations><total>7246</total><denial_rate>0.30140767319900635</denial_rate><origination_rate>0.6985923268009937</origination_rate></row>
<row _id="828"><year>2016</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>379</denials><originations>606</originations><total>985</total><denial_rate>0.3847715736040609</denial_rate><origination_rate>0.6152284263959391</origination_rate></row>
<row _id="829"><year>2016</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>6538</denials><originations>20515</originations><total>27053</total><denial_rate>0.24167375152478468</denial_rate><origination_rate>0.7583262484752153</origination_rate></row>
<row _id="830"><year>2016</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>7806</denials><originations>23501</originations><total>31307</total><denial_rate>0.24933720893091002</denial_rate><origination_rate>0.75066279106909</origination_rate></row>
<row _id="831"><year>2016</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1466</denials><originations>2491</originations><total>3957</total><denial_rate>0.37048268890573666</denial_rate><origination_rate>0.6295173110942633</origination_rate></row>
<row _id="832"><year>2016</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>6538</denials><originations>21427</originations><total>27965</total><denial_rate>0.23379224030037546</denial_rate><origination_rate>0.7662077596996245</origination_rate></row>
<row _id="833"><year>2017</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>611</denials><originations>3216</originations><total>3827</total><denial_rate>0.15965508230990333</denial_rate><origination_rate>0.8403449176900967</origination_rate></row>
<row _id="834"><year>2017</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>1188</denials><originations>2321</originations><total>3509</total><denial_rate>0.3385579937304075</denial_rate><origination_rate>0.6614420062695925</origination_rate></row>
<row _id="835"><year>2017</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>2827</denials><originations>11648</originations><total>14475</total><denial_rate>0.19530224525043177</denial_rate><origination_rate>0.8046977547495682</origination_rate></row>
<row _id="836"><year>2017</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>565</denials><originations>1674</originations><total>2239</total><denial_rate>0.2523447967842787</denial_rate><origination_rate>0.7476552032157213</origination_rate></row>
<row _id="837"><year>2017</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>6538</denials><originations>34371</originations><total>40909</total><denial_rate>0.1598181329291843</denial_rate><origination_rate>0.8401818670708157</origination_rate></row>
<row _id="838"><year>2017</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>8093</denials><originations>41605</originations><total>49698</total><denial_rate>0.1628435751941728</denial_rate><origination_rate>0.8371564248058272</origination_rate></row>
<row _id="839"><year>2017</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>1909</denials><originations>5810</originations><total>7719</total><denial_rate>0.24731182795698925</denial_rate><origination_rate>0.7526881720430108</origination_rate></row>
<row _id="840"><year>2017</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>6647</denials><originations>37144</originations><total>43791</total><denial_rate>0.15178918042520154</denial_rate><origination_rate>0.8482108195747985</origination_rate></row>
<row _id="841"><year>2017</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>75</denials><originations>134</originations><total>209</total><denial_rate>0.3588516746411483</denial_rate><origination_rate>0.6411483253588517</origination_rate></row>
<row _id="842"><year>2017</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>233</denials><originations>183</originations><total>416</total><denial_rate>0.5600961538461539</denial_rate><origination_rate>0.43990384615384615</origination_rate></row>
<row _id="843"><year>2017</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>645</denials><originations>1242</originations><total>1887</total><denial_rate>0.34181240063593005</denial_rate><origination_rate>0.6581875993640699</origination_rate></row>
<row _id="844"><year>2017</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>145</denials><originations>116</originations><total>261</total><denial_rate>0.5555555555555556</denial_rate><origination_rate>0.4444444444444444</origination_rate></row>
<row _id="845"><year>2017</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>996</denials><originations>2866</originations><total>3862</total><denial_rate>0.2578974624546867</denial_rate><origination_rate>0.7421025375453133</origination_rate></row>
<row _id="846"><year>2017</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>1403</denials><originations>3720</originations><total>5123</total><denial_rate>0.27386297091547923</denial_rate><origination_rate>0.7261370290845208</origination_rate></row>
<row _id="847"><year>2017</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>348</denials><originations>354</originations><total>702</total><denial_rate>0.49572649572649574</denial_rate><origination_rate>0.5042735042735043</origination_rate></row>
<row _id="848"><year>2017</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1189</denials><originations>3517</originations><total>4706</total><denial_rate>0.2526561835954101</denial_rate><origination_rate>0.7473438164045899</origination_rate></row>
<row _id="849"><year>2017</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>277</denials><originations>2428</originations><total>2705</total><denial_rate>0.10240295748613679</denial_rate><origination_rate>0.8975970425138632</origination_rate></row>
<row _id="850"><year>2017</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>286</denials><originations>1288</originations><total>1574</total><denial_rate>0.18170266836086404</denial_rate><origination_rate>0.818297331639136</origination_rate></row>
<row _id="851"><year>2017</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>743</denials><originations>6656</originations><total>7399</total><denial_rate>0.10041897553723476</denial_rate><origination_rate>0.8995810244627652</origination_rate></row>
<row _id="852"><year>2017</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>172</denials><originations>1086</originations><total>1258</total><denial_rate>0.13672496025437203</denial_rate><origination_rate>0.863275039745628</origination_rate></row>
<row _id="853"><year>2017</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1568</denials><originations>19083</originations><total>20651</total><denial_rate>0.07592852646360951</denial_rate><origination_rate>0.9240714735363905</origination_rate></row>
<row _id="854"><year>2017</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>2000</denials><originations>23333</originations><total>25333</total><denial_rate>0.07894840721588442</denial_rate><origination_rate>0.9210515927841156</origination_rate></row>
<row _id="855"><year>2017</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>581</denials><originations>3844</originations><total>4425</total><denial_rate>0.1312994350282486</denial_rate><origination_rate>0.8687005649717514</origination_rate></row>
<row _id="856"><year>2017</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1570</denials><originations>20354</originations><total>21924</total><denial_rate>0.07161101988688195</denial_rate><origination_rate>0.928388980113118</origination_rate></row>
<row _id="857"><year>2017</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>259</denials><originations>654</originations><total>913</total><denial_rate>0.2836801752464403</denial_rate><origination_rate>0.7163198247535597</origination_rate></row>
<row _id="858"><year>2017</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>669</denials><originations>850</originations><total>1519</total><denial_rate>0.44042132982225146</denial_rate><origination_rate>0.5595786701777485</origination_rate></row>
<row _id="859"><year>2017</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1439</denials><originations>3750</originations><total>5189</total><denial_rate>0.2773174021969551</denial_rate><origination_rate>0.7226825978030449</origination_rate></row>
<row _id="860"><year>2017</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>248</denials><originations>472</originations><total>720</total><denial_rate>0.34444444444444444</denial_rate><origination_rate>0.6555555555555556</origination_rate></row>
<row _id="861"><year>2017</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>3974</denials><originations>12422</originations><total>16396</total><denial_rate>0.24237618931446694</denial_rate><origination_rate>0.7576238106855331</origination_rate></row>
<row _id="862"><year>2017</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>4690</denials><originations>14552</originations><total>19242</total><denial_rate>0.2437376572081904</denial_rate><origination_rate>0.7562623427918096</origination_rate></row>
<row _id="863"><year>2017</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>980</denials><originations>1612</originations><total>2592</total><denial_rate>0.37808641975308643</denial_rate><origination_rate>0.6219135802469136</origination_rate></row>
<row _id="864"><year>2017</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>3888</denials><originations>13273</originations><total>17161</total><denial_rate>0.22656022376318397</denial_rate><origination_rate>0.773439776236816</origination_rate></row>
<row _id="865"><year>2018</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>2801</denials><originations>8321</originations><total>11122</total><denial_rate>0.2518431936702032</denial_rate><origination_rate>0.7481568063297968</origination_rate></row>
<row _id="866"><year>2018</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>7627</denials><originations>10740</originations><total>18367</total><denial_rate>0.41525562149507267</denial_rate><origination_rate>0.5847443785049273</origination_rate></row>
<row _id="867"><year>2018</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>11319</denials><originations>26895</originations><total>38214</total><denial_rate>0.29620034542314333</denial_rate><origination_rate>0.7037996545768567</origination_rate></row>
<row _id="868"><year>2018</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>2600</denials><originations>5217</originations><total>7817</total><denial_rate>0.33260841755149034</denial_rate><origination_rate>0.6673915824485097</origination_rate></row>
<row _id="869"><year>2018</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>14500</denials><originations>35633</originations><total>50133</total><denial_rate>0.28923064648036223</denial_rate><origination_rate>0.7107693535196378</origination_rate></row>
<row _id="870"><year>2018</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>30880</denials><originations>95411</originations><total>126291</total><denial_rate>0.2445146526672526</denial_rate><origination_rate>0.7554853473327474</origination_rate></row>
<row _id="871"><year>2018</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>11045</denials><originations>19652</originations><total>30697</total><denial_rate>0.35980714727823565</denial_rate><origination_rate>0.6401928527217643</origination_rate></row>
<row _id="872"><year>2018</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>22380</denials><originations>80660</originations><total>103040</total><denial_rate>0.2171972049689441</denial_rate><origination_rate>0.7828027950310559</origination_rate></row>
<row _id="873"><year>2018</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>960</denials><originations>685</originations><total>1645</total><denial_rate>0.5835866261398176</denial_rate><origination_rate>0.41641337386018235</origination_rate></row>
<row _id="874"><year>2018</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>2355</denials><originations>1087</originations><total>3442</total><denial_rate>0.6841952353282975</denial_rate><origination_rate>0.3158047646717025</origination_rate></row>
<row _id="875"><year>2018</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>3687</denials><originations>3009</originations><total>6696</total><denial_rate>0.5506272401433692</denial_rate><origination_rate>0.44937275985663083</origination_rate></row>
<row _id="876"><year>2018</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>848</denials><originations>342</originations><total>1190</total><denial_rate>0.7126050420168067</denial_rate><origination_rate>0.28739495798319326</origination_rate></row>
<row _id="877"><year>2018</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>4374</denials><originations>3647</originations><total>8021</total><denial_rate>0.5453185388355567</denial_rate><origination_rate>0.45468146116444336</origination_rate></row>
<row _id="878"><year>2018</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>9454</denials><originations>11454</originations><total>20908</total><denial_rate>0.4521714176391812</denial_rate><origination_rate>0.5478285823608188</origination_rate></row>
<row _id="879"><year>2018</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>3570</denials><originations>1861</originations><total>5431</total><denial_rate>0.6573375069048057</denial_rate><origination_rate>0.34266249309519425</origination_rate></row>
<row _id="880"><year>2018</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>6774</denials><originations>10069</originations><total>16843</total><denial_rate>0.4021848839280413</denial_rate><origination_rate>0.5978151160719587</origination_rate></row>
<row _id="881"><year>2018</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>860</denials><originations>6123</originations><total>6983</total><denial_rate>0.12315623657453817</denial_rate><origination_rate>0.8768437634254619</origination_rate></row>
<row _id="882"><year>2018</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>1594</denials><originations>6447</originations><total>8041</total><denial_rate>0.19823405049123244</denial_rate><origination_rate>0.8017659495087676</origination_rate></row>
<row _id="883"><year>2018</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>2125</denials><originations>15865</originations><total>17990</total><denial_rate>0.11812117843246248</denial_rate><origination_rate>0.8818788215675375</origination_rate></row>
<row _id="884"><year>2018</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>775</denials><originations>3796</originations><total>4571</total><denial_rate>0.16954714504484794</denial_rate><origination_rate>0.8304528549551521</origination_rate></row>
<row _id="885"><year>2018</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>2933</denials><originations>21661</originations><total>24594</total><denial_rate>0.1192567292835651</denial_rate><origination_rate>0.8807432707164349</origination_rate></row>
<row _id="886"><year>2018</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>5643</denials><originations>53407</originations><total>59050</total><denial_rate>0.09556308213378492</denial_rate><origination_rate>0.904436917866215</origination_rate></row>
<row _id="887"><year>2018</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>2540</denials><originations>12860</originations><total>15400</total><denial_rate>0.16493506493506493</denial_rate><origination_rate>0.8350649350649351</origination_rate></row>
<row _id="888"><year>2018</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>3871</denials><originations>43918</originations><total>47789</total><denial_rate>0.08100190420389629</denial_rate><origination_rate>0.9189980957961037</origination_rate></row>
<row _id="889"><year>2018</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>981</denials><originations>1513</originations><total>2494</total><denial_rate>0.3933440256615878</denial_rate><origination_rate>0.6066559743384122</origination_rate></row>
<row _id="890"><year>2018</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>3678</denials><originations>3206</originations><total>6884</total><denial_rate>0.5342823939570017</denial_rate><origination_rate>0.4657176060429983</origination_rate></row>
<row _id="891"><year>2018</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>5507</denials><originations>8021</originations><total>13528</total><denial_rate>0.4070816085156712</denial_rate><origination_rate>0.5929183914843288</origination_rate></row>
<row _id="892"><year>2018</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>977</denials><originations>1079</originations><total>2056</total><denial_rate>0.47519455252918286</denial_rate><origination_rate>0.5248054474708171</origination_rate></row>
<row _id="893"><year>2018</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>7193</denials><originations>10325</originations><total>17518</total><denial_rate>0.41060623358830917</denial_rate><origination_rate>0.5893937664116908</origination_rate></row>
<row _id="894"><year>2018</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>15783</denials><originations>30550</originations><total>46333</total><denial_rate>0.3406427384369672</denial_rate><origination_rate>0.6593572615630329</origination_rate></row>
<row _id="895"><year>2018</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>4935</denials><originations>4931</originations><total>9866</total><denial_rate>0.5002027163997568</denial_rate><origination_rate>0.4997972836002433</origination_rate></row>
<row _id="896"><year>2018</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>11735</denials><originations>26673</originations><total>38408</total><denial_rate>0.3055353051447615</denial_rate><origination_rate>0.6944646948552385</origination_rate></row>
<row _id="897"><year>2019</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>2798</denials><originations>10025</originations><total>12823</total><denial_rate>0.21820166887623801</denial_rate><origination_rate>0.781798331123762</origination_rate></row>
<row _id="898"><year>2019</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>7798</denials><originations>12810</originations><total>20608</total><denial_rate>0.37839673913043476</denial_rate><origination_rate>0.6216032608695652</origination_rate></row>
<row _id="899"><year>2019</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>11101</denials><originations>31293</originations><total>42394</total><denial_rate>0.2618530924187385</denial_rate><origination_rate>0.7381469075812614</origination_rate></row>
<row _id="900"><year>2019</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>2604</denials><originations>6123</originations><total>8727</total><denial_rate>0.29838432451014096</denial_rate><origination_rate>0.701615675489859</origination_rate></row>
<row _id="901"><year>2019</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>14322</denials><originations>44021</originations><total>58343</total><denial_rate>0.24547932056973415</denial_rate><origination_rate>0.7545206794302658</origination_rate></row>
<row _id="902"><year>2019</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>30152</denials><originations>112554</originations><total>142706</total><denial_rate>0.21128754221966842</denial_rate><origination_rate>0.7887124577803316</origination_rate></row>
<row _id="903"><year>2019</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>11155</denials><originations>23419</originations><total>34574</total><denial_rate>0.32264129114363393</denial_rate><origination_rate>0.6773587088563661</origination_rate></row>
<row _id="904"><year>2019</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>21463</denials><originations>94819</originations><total>116282</total><denial_rate>0.18457714865585387</denial_rate><origination_rate>0.8154228513441462</origination_rate></row>
<row _id="905"><year>2019</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>898</denials><originations>598</originations><total>1496</total><denial_rate>0.6002673796791443</denial_rate><origination_rate>0.3997326203208556</origination_rate></row>
<row _id="906"><year>2019</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>2749</denials><originations>1266</originations><total>4015</total><denial_rate>0.6846824408468244</denial_rate><origination_rate>0.3153175591531756</origination_rate></row>
<row _id="907"><year>2019</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>3713</denials><originations>2912</originations><total>6625</total><denial_rate>0.5604528301886792</denial_rate><origination_rate>0.43954716981132075</origination_rate></row>
<row _id="908"><year>2019</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>847</denials><originations>336</originations><total>1183</total><denial_rate>0.7159763313609467</denial_rate><origination_rate>0.28402366863905326</origination_rate></row>
<row _id="909"><year>2019</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>4405</denials><originations>3724</originations><total>8129</total><denial_rate>0.5418870709804404</denial_rate><origination_rate>0.4581129290195596</origination_rate></row>
<row _id="910"><year>2019</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>9329</denials><originations>11092</originations><total>20421</total><denial_rate>0.4568336516331228</denial_rate><origination_rate>0.5431663483668773</origination_rate></row>
<row _id="911"><year>2019</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>3878</denials><originations>1953</originations><total>5831</total><denial_rate>0.6650660264105642</denial_rate><origination_rate>0.3349339735894358</origination_rate></row>
<row _id="912"><year>2019</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>6350</denials><originations>9484</originations><total>15834</total><denial_rate>0.40103574586333207</denial_rate><origination_rate>0.598964254136668</origination_rate></row>
<row _id="913"><year>2019</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>769</denials><originations>6372</originations><total>7141</total><denial_rate>0.10768799887970873</denial_rate><origination_rate>0.8923120011202913</origination_rate></row>
<row _id="914"><year>2019</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>1493</denials><originations>7319</originations><total>8812</total><denial_rate>0.1694280526554698</denial_rate><origination_rate>0.8305719473445302</origination_rate></row>
<row _id="915"><year>2019</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>2024</denials><originations>16981</originations><total>19005</total><denial_rate>0.10649828992370429</denial_rate><origination_rate>0.8935017100762958</origination_rate></row>
<row _id="916"><year>2019</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>696</denials><originations>4254</originations><total>4950</total><denial_rate>0.1406060606060606</denial_rate><origination_rate>0.8593939393939394</origination_rate></row>
<row _id="917"><year>2019</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>2727</denials><originations>23176</originations><total>25903</total><denial_rate>0.10527738099833996</denial_rate><origination_rate>0.8947226190016601</origination_rate></row>
<row _id="918"><year>2019</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>5204</denials><originations>54567</originations><total>59771</total><denial_rate>0.08706563383580666</denial_rate><origination_rate>0.9129343661641933</origination_rate></row>
<row _id="919"><year>2019</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>2344</denials><originations>13966</originations><total>16310</total><denial_rate>0.1437155119558553</denial_rate><origination_rate>0.8562844880441447</origination_rate></row>
<row _id="920"><year>2019</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>3529</denials><originations>44505</originations><total>48034</total><denial_rate>0.07346879293833534</denial_rate><origination_rate>0.9265312070616647</origination_rate></row>
<row _id="921"><year>2019</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>1131</denials><originations>3055</originations><total>4186</total><denial_rate>0.2701863354037267</denial_rate><origination_rate>0.7298136645962733</origination_rate></row>
<row _id="922"><year>2019</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>3556</denials><originations>4225</originations><total>7781</total><denial_rate>0.4570106670093818</denial_rate><origination_rate>0.5429893329906181</origination_rate></row>
<row _id="923"><year>2019</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>5364</denials><originations>11400</originations><total>16764</total><denial_rate>0.3199713672154617</denial_rate><origination_rate>0.6800286327845383</origination_rate></row>
<row _id="924"><year>2019</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>1061</denials><originations>1533</originations><total>2594</total><denial_rate>0.4090208172706245</denial_rate><origination_rate>0.5909791827293754</origination_rate></row>
<row _id="925"><year>2019</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>7190</denials><originations>17121</originations><total>24311</total><denial_rate>0.29575089465673976</denial_rate><origination_rate>0.7042491053432602</origination_rate></row>
<row _id="926"><year>2019</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>15619</denials><originations>46895</originations><total>62514</total><denial_rate>0.24984803404037495</denial_rate><origination_rate>0.7501519659596251</origination_rate></row>
<row _id="927"><year>2019</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>4933</denials><originations>7500</originations><total>12433</total><denial_rate>0.3967666693477037</denial_rate><origination_rate>0.6032333306522963</origination_rate></row>
<row _id="928"><year>2019</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>11584</denials><originations>40830</originations><total>52414</total><denial_rate>0.2210096539092609</denial_rate><origination_rate>0.7789903460907391</origination_rate></row>
<row _id="929"><year>2020</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>3231</denials><originations>16509</originations><total>19740</total><denial_rate>0.16367781155015199</denial_rate><origination_rate>0.8363221884498481</origination_rate></row>
<row _id="930"><year>2020</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>6806</denials><originations>16033</originations><total>22839</total><denial_rate>0.29799903673540873</denial_rate><origination_rate>0.7020009632645913</origination_rate></row>
<row _id="931"><year>2020</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>10883</denials><originations>46154</originations><total>57037</total><denial_rate>0.19080596805582342</denial_rate><origination_rate>0.8091940319441766</origination_rate></row>
<row _id="932"><year>2020</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>2482</denials><originations>8418</originations><total>10900</total><denial_rate>0.22770642201834862</denial_rate><origination_rate>0.7722935779816513</origination_rate></row>
<row _id="933"><year>2020</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>15342</denials><originations>68952</originations><total>84294</total><denial_rate>0.18200583671435688</denial_rate><origination_rate>0.8179941632856431</origination_rate></row>
<row _id="934"><year>2020</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>31745</denials><originations>177779</originations><total>209524</total><denial_rate>0.15151008953628223</denial_rate><origination_rate>0.8484899104637178</origination_rate></row>
<row _id="935"><year>2020</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>10473</denials><originations>33426</originations><total>43899</total><denial_rate>0.2385703546777831</denial_rate><origination_rate>0.7614296453222169</origination_rate></row>
<row _id="936"><year>2020</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>23756</denials><originations>152849</originations><total>176605</total><denial_rate>0.13451487783471588</denial_rate><origination_rate>0.8654851221652841</origination_rate></row>
<row _id="937"><year>2020</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>566</denials><originations>465</originations><total>1031</total><denial_rate>0.5489815712900097</denial_rate><origination_rate>0.4510184287099903</origination_rate></row>
<row _id="938"><year>2020</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>1617</denials><originations>899</originations><total>2516</total><denial_rate>0.6426868044515104</denial_rate><origination_rate>0.35731319554848967</origination_rate></row>
<row _id="939"><year>2020</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>2477</denials><originations>2279</originations><total>4756</total><denial_rate>0.5208158116063919</denial_rate><origination_rate>0.4791841883936081</origination_rate></row>
<row _id="940"><year>2020</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>538</denials><originations>292</originations><total>830</total><denial_rate>0.6481927710843374</denial_rate><origination_rate>0.35180722891566263</origination_rate></row>
<row _id="941"><year>2020</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>2896</denials><originations>3011</originations><total>5907</total><denial_rate>0.4902657863551718</denial_rate><origination_rate>0.5097342136448282</origination_rate></row>
<row _id="942"><year>2020</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>6202</denials><originations>8977</originations><total>15179</total><denial_rate>0.4085908162593056</denial_rate><origination_rate>0.5914091837406944</origination_rate></row>
<row _id="943"><year>2020</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>2318</denials><originations>1430</originations><total>3748</total><denial_rate>0.6184631803628602</denial_rate><origination_rate>0.3815368196371398</origination_rate></row>
<row _id="944"><year>2020</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>4493</denials><originations>7967</originations><total>12460</total><denial_rate>0.36059390048154094</denial_rate><origination_rate>0.6394060995184591</origination_rate></row>
<row _id="945"><year>2020</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>769</denials><originations>6093</originations><total>6862</total><denial_rate>0.11206645292917516</denial_rate><origination_rate>0.8879335470708248</origination_rate></row>
<row _id="946"><year>2020</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>1564</denials><originations>8048</originations><total>9612</total><denial_rate>0.16271327507282562</denial_rate><origination_rate>0.8372867249271744</origination_rate></row>
<row _id="947"><year>2020</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>2082</denials><originations>18644</originations><total>20726</total><denial_rate>0.10045353662066969</denial_rate><origination_rate>0.8995464633793303</origination_rate></row>
<row _id="948"><year>2020</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>705</denials><originations>4691</originations><total>5396</total><denial_rate>0.13065233506300963</denial_rate><origination_rate>0.8693476649369903</origination_rate></row>
<row _id="949"><year>2020</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>2777</denials><originations>24596</originations><total>27373</total><denial_rate>0.10145033427099696</denial_rate><origination_rate>0.8985496657290031</origination_rate></row>
<row _id="950"><year>2020</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>5229</denials><originations>57073</originations><total>62302</total><denial_rate>0.08392988989117524</denial_rate><origination_rate>0.9160701101088248</origination_rate></row>
<row _id="951"><year>2020</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>2407</denials><originations>14514</originations><total>16921</total><denial_rate>0.14224927604751492</denial_rate><origination_rate>0.8577507239524851</origination_rate></row>
<row _id="952"><year>2020</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>3464</denials><originations>46776</originations><total>50240</total><denial_rate>0.06894904458598726</denial_rate><origination_rate>0.9310509554140127</origination_rate></row>
<row _id="953"><year>2020</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>1896</denials><originations>9951</originations><total>11847</total><denial_rate>0.16004051658647758</denial_rate><origination_rate>0.8399594834135224</origination_rate></row>
<row _id="954"><year>2020</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>3625</denials><originations>7086</originations><total>10711</total><denial_rate>0.33843712071701987</denial_rate><origination_rate>0.6615628792829801</origination_rate></row>
<row _id="955"><year>2020</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>6324</denials><originations>25231</originations><total>31555</total><denial_rate>0.2004119790841388</denial_rate><origination_rate>0.7995880209158612</origination_rate></row>
<row _id="956"><year>2020</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>1239</denials><originations>3435</originations><total>4674</total><denial_rate>0.2650834403080873</denial_rate><origination_rate>0.7349165596919127</origination_rate></row>
<row _id="957"><year>2020</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>9669</denials><originations>41345</originations><total>51014</total><denial_rate>0.18953620574744187</denial_rate><origination_rate>0.8104637942525581</origination_rate></row>
<row _id="958"><year>2020</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>20314</denials><originations>111729</originations><total>132043</total><denial_rate>0.15384382360291723</denial_rate><origination_rate>0.8461561763970827</origination_rate></row>
<row _id="959"><year>2020</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>5748</denials><originations>17482</originations><total>23230</total><denial_rate>0.2474386569091692</denial_rate><origination_rate>0.7525613430908308</origination_rate></row>
<row _id="960"><year>2020</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>15799</denials><originations>98106</originations><total>113905</total><denial_rate>0.13870330538606734</denial_rate><origination_rate>0.8612966946139327</origination_rate></row>
<row _id="961"><year>2021</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>3264</denials><originations>18709</originations><total>21973</total><denial_rate>0.1485459427479179</denial_rate><origination_rate>0.8514540572520821</origination_rate></row>
<row _id="962"><year>2021</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>8877</denials><originations>21580</originations><total>30457</total><denial_rate>0.2914600912762255</denial_rate><origination_rate>0.7085399087237745</origination_rate></row>
<row _id="963"><year>2021</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>13344</denials><originations>54505</originations><total>67849</total><denial_rate>0.196672021695235</denial_rate><origination_rate>0.803327978304765</origination_rate></row>
<row _id="964"><year>2021</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>3278</denials><originations>11153</originations><total>14431</total><denial_rate>0.22714988566280922</denial_rate><origination_rate>0.7728501143371908</origination_rate></row>
<row _id="965"><year>2021</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>16689</denials><originations>74916</originations><total>91605</total><denial_rate>0.18218437858195513</denial_rate><origination_rate>0.8178156214180449</origination_rate></row>
<row _id="966"><year>2021</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>34013</denials><originations>188541</originations><total>222554</total><denial_rate>0.1528303243257816</denial_rate><origination_rate>0.8471696756742184</origination_rate></row>
<row _id="967"><year>2021</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>12723</denials><originations>41380</originations><total>54103</total><denial_rate>0.23516256030164687</denial_rate><origination_rate>0.7648374396983532</origination_rate></row>
<row _id="968"><year>2021</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>24029</denials><originations>156719</originations><total>180748</total><denial_rate>0.13294199659194017</denial_rate><origination_rate>0.8670580034080598</origination_rate></row>
<row _id="969"><year>2021</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>641</denials><originations>663</originations><total>1304</total><denial_rate>0.4915644171779141</denial_rate><origination_rate>0.5084355828220859</origination_rate></row>
<row _id="970"><year>2021</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>2180</denials><originations>1255</originations><total>3435</total><denial_rate>0.6346433770014556</denial_rate><origination_rate>0.3653566229985444</origination_rate></row>
<row _id="971"><year>2021</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>3045</denials><originations>2881</originations><total>5926</total><denial_rate>0.5138373270334121</denial_rate><origination_rate>0.48616267296658794</origination_rate></row>
<row _id="972"><year>2021</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>735</denials><originations>403</originations><total>1138</total><denial_rate>0.6458699472759226</denial_rate><origination_rate>0.3541300527240773</origination_rate></row>
<row _id="973"><year>2021</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>3345</denials><originations>3884</originations><total>7229</total><denial_rate>0.4627196016046479</denial_rate><origination_rate>0.537280398395352</origination_rate></row>
<row _id="974"><year>2021</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>7062</denials><originations>11024</originations><total>18086</total><denial_rate>0.39046776512219394</denial_rate><origination_rate>0.6095322348778061</origination_rate></row>
<row _id="975"><year>2021</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>3002</denials><originations>2003</originations><total>5005</total><denial_rate>0.5998001998001998</denial_rate><origination_rate>0.4001998001998002</origination_rate></row>
<row _id="976"><year>2021</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>4744</denials><originations>9478</originations><total>14222</total><denial_rate>0.33356771199549995</denial_rate><origination_rate>0.6664322880045</origination_rate></row>
<row _id="977"><year>2021</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>842</denials><originations>8847</originations><total>9689</total><denial_rate>0.0869026731344824</denial_rate><origination_rate>0.9130973268655176</origination_rate></row>
<row _id="978"><year>2021</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>1823</denials><originations>10083</originations><total>11906</total><denial_rate>0.15311607592810347</denial_rate><origination_rate>0.8468839240718965</origination_rate></row>
<row _id="979"><year>2021</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>2415</denials><originations>21593</originations><total>24008</total><denial_rate>0.10059146951016328</denial_rate><origination_rate>0.8994085304898367</origination_rate></row>
<row _id="980"><year>2021</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>841</denials><originations>5982</originations><total>6823</total><denial_rate>0.12325956324197566</denial_rate><origination_rate>0.8767404367580244</origination_rate></row>
<row _id="981"><year>2021</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>2730</denials><originations>27807</originations><total>30537</total><denial_rate>0.08939974457215837</denial_rate><origination_rate>0.9106002554278416</origination_rate></row>
<row _id="982"><year>2021</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>5175</denials><originations>63927</originations><total>69102</total><denial_rate>0.07488929408700182</denial_rate><origination_rate>0.9251107059129982</origination_rate></row>
<row _id="983"><year>2021</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>2773</denials><originations>19401</originations><total>22174</total><denial_rate>0.12505637232795166</denial_rate><origination_rate>0.8749436276720484</origination_rate></row>
<row _id="984"><year>2021</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>3147</denials><originations>49516</originations><total>52663</total><denial_rate>0.0597573248770484</denial_rate><origination_rate>0.9402426751229516</origination_rate></row>
<row _id="985"><year>2021</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>1781</denials><originations>9199</originations><total>10980</total><denial_rate>0.1622040072859745</denial_rate><origination_rate>0.8377959927140255</origination_rate></row>
<row _id="986"><year>2021</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>4874</denials><originations>10242</originations><total>15116</total><denial_rate>0.32243979888859486</denial_rate><origination_rate>0.6775602011114051</origination_rate></row>
<row _id="987"><year>2021</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>7884</denials><originations>30031</originations><total>37915</total><denial_rate>0.2079388104971647</denial_rate><origination_rate>0.7920611895028353</origination_rate></row>
<row _id="988"><year>2021</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>1702</denials><originations>4768</originations><total>6470</total><denial_rate>0.26306027820710975</denial_rate><origination_rate>0.7369397217928902</origination_rate></row>
<row _id="989"><year>2021</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>10614</denials><originations>43225</originations><total>53839</total><denial_rate>0.19714333475733203</denial_rate><origination_rate>0.802856665242668</origination_rate></row>
<row _id="990"><year>2021</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>21776</denials><originations>113590</originations><total>135366</total><denial_rate>0.16086757383685713</denial_rate><origination_rate>0.8391324261631429</origination_rate></row>
<row _id="991"><year>2021</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>6948</denials><originations>19976</originations><total>26924</total><denial_rate>0.25805972366661717</denial_rate><origination_rate>0.7419402763333829</origination_rate></row>
<row _id="992"><year>2021</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>16138</denials><originations>97725</originations><total>113863</total><denial_rate>0.1417317302372149</denial_rate><origination_rate>0.8582682697627851</origination_rate></row>
<row _id="993"><year>2022</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Asian</demographic><denials>2401</denials><originations>10813</originations><total>13214</total><denial_rate>0.18170122597245345</denial_rate><origination_rate>0.8182987740275466</origination_rate></row>
<row _id="994"><year>2022</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Black</demographic><denials>8407</denials><originations>15095</originations><total>23502</total><denial_rate>0.3577142370862054</denial_rate><origination_rate>0.6422857629137946</origination_rate></row>
<row _id="995"><year>2022</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Female</demographic><denials>10942</denials><originations>31633</originations><total>42575</total><denial_rate>0.25700528479154433</denial_rate><origination_rate>0.7429947152084556</origination_rate></row>
<row _id="996"><year>2022</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>3055</denials><originations>7758</originations><total>10813</total><denial_rate>0.2825302876167576</denial_rate><origination_rate>0.7174697123832424</origination_rate></row>
<row _id="997"><year>2022</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Male</demographic><denials>13785</denials><originations>42036</originations><total>55821</total><denial_rate>0.24695007255334014</denial_rate><origination_rate>0.7530499274466599</origination_rate></row>
<row _id="998"><year>2022</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>26174</denials><originations>102341</originations><total>128515</total><denial_rate>0.2036649418355834</denial_rate><origination_rate>0.7963350581644166</origination_rate></row>
<row _id="999"><year>2022</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>11324</denials><originations>26648</originations><total>37972</total><denial_rate>0.29821974086168757</denial_rate><origination_rate>0.7017802591383124</origination_rate></row>
<row _id="1000"><year>2022</year><geography>DVRPC Region</geography><purpose>All</purpose><demographic>White</demographic><denials>17354</denials><originations>82101</originations><total>99455</total><denial_rate>0.17449097581820924</denial_rate><origination_rate>0.8255090241817907</origination_rate></row>
<row _id="1001"><year>2022</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>819</denials><originations>971</originations><total>1790</total><denial_rate>0.45754189944134077</denial_rate><origination_rate>0.5424581005586592</origination_rate></row>
<row _id="1002"><year>2022</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>2811</denials><originations>1857</originations><total>4668</total><denial_rate>0.6021850899742931</denial_rate><origination_rate>0.39781491002570696</origination_rate></row>
<row _id="1003"><year>2022</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>3772</denials><originations>4034</originations><total>7806</total><denial_rate>0.4832180374071227</denial_rate><origination_rate>0.5167819625928772</origination_rate></row>
<row _id="1004"><year>2022</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>964</denials><originations>664</originations><total>1628</total><denial_rate>0.5921375921375921</denial_rate><origination_rate>0.40786240786240785</origination_rate></row>
<row _id="1005"><year>2022</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>4361</denials><originations>5769</originations><total>10130</total><denial_rate>0.4305034550839092</denial_rate><origination_rate>0.5694965449160908</origination_rate></row>
<row _id="1006"><year>2022</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>8755</denials><originations>15752</originations><total>24507</total><denial_rate>0.3572448688129922</denial_rate><origination_rate>0.6427551311870078</origination_rate></row>
<row _id="1007"><year>2022</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>3823</denials><originations>2922</originations><total>6745</total><denial_rate>0.5667902149740549</denial_rate><origination_rate>0.43320978502594515</origination_rate></row>
<row _id="1008"><year>2022</year><geography>DVRPC Region</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>5841</denials><originations>13561</originations><total>19402</total><denial_rate>0.30105143799608286</denial_rate><origination_rate>0.6989485620039171</origination_rate></row>
<row _id="1009"><year>2022</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>830</denials><originations>7868</originations><total>8698</total><denial_rate>0.09542423545642677</denial_rate><origination_rate>0.9045757645435732</origination_rate></row>
<row _id="1010"><year>2022</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>1684</denials><originations>8048</originations><total>9732</total><denial_rate>0.1730374023838882</denial_rate><origination_rate>0.8269625976161118</origination_rate></row>
<row _id="1011"><year>2022</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>2168</denials><originations>17075</originations><total>19243</total><denial_rate>0.11266434547627709</denial_rate><origination_rate>0.8873356545237229</origination_rate></row>
<row _id="1012"><year>2022</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>872</denials><originations>5261</originations><total>6133</total><denial_rate>0.1421816403065384</denial_rate><origination_rate>0.8578183596934617</origination_rate></row>
<row _id="1013"><year>2022</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>2775</denials><originations>22099</originations><total>24874</total><denial_rate>0.11156227386025569</denial_rate><origination_rate>0.8884377261397444</origination_rate></row>
<row _id="1014"><year>2022</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>4886</denials><originations>51493</originations><total>56379</total><denial_rate>0.08666347398854184</denial_rate><origination_rate>0.9133365260114582</origination_rate></row>
<row _id="1015"><year>2022</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>2614</denials><originations>16334</originations><total>18948</total><denial_rate>0.1379565125606924</denial_rate><origination_rate>0.8620434874393076</origination_rate></row>
<row _id="1016"><year>2022</year><geography>DVRPC Region</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>2958</denials><originations>39295</originations><total>42253</total><denial_rate>0.07000686341798215</denial_rate><origination_rate>0.9299931365820179</origination_rate></row>
<row _id="1017"><year>2022</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>752</denials><originations>1974</originations><total>2726</total><denial_rate>0.27586206896551724</denial_rate><origination_rate>0.7241379310344828</origination_rate></row>
<row _id="1018"><year>2022</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>3912</denials><originations>5190</originations><total>9102</total><denial_rate>0.4297956493078444</denial_rate><origination_rate>0.5702043506921556</origination_rate></row>
<row _id="1019"><year>2022</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>5002</denials><originations>10524</originations><total>15526</total><denial_rate>0.32216926445961613</denial_rate><origination_rate>0.6778307355403839</origination_rate></row>
<row _id="1020"><year>2022</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>1219</denials><originations>1833</originations><total>3052</total><denial_rate>0.3994102228047182</denial_rate><origination_rate>0.6005897771952818</origination_rate></row>
<row _id="1021"><year>2022</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>6649</denials><originations>14168</originations><total>20817</total><denial_rate>0.31940241149060866</denial_rate><origination_rate>0.6805975885093913</origination_rate></row>
<row _id="1022"><year>2022</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>12533</denials><originations>35096</originations><total>47629</total><denial_rate>0.2631380041571312</denial_rate><origination_rate>0.7368619958428688</origination_rate></row>
<row _id="1023"><year>2022</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>4887</denials><originations>7392</originations><total>12279</total><denial_rate>0.39799657952602</denial_rate><origination_rate>0.6020034204739799</origination_rate></row>
<row _id="1024"><year>2022</year><geography>DVRPC Region</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>8555</denials><originations>29245</originations><total>37800</total><denial_rate>0.22632275132275131</denial_rate><origination_rate>0.7736772486772486</origination_rate></row>
<row _id="1025"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>324</denials><originations>1050</originations><total>1374</total><denial_rate>0.23580786026200873</denial_rate><origination_rate>0.7641921397379913</origination_rate></row>
<row _id="1026"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>2253</denials><originations>2582</originations><total>4835</total><denial_rate>0.46597724922440537</denial_rate><origination_rate>0.5340227507755946</origination_rate></row>
<row _id="1027"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>3972</denials><originations>6586</originations><total>10558</total><denial_rate>0.3762076150786134</denial_rate><origination_rate>0.6237923849213867</origination_rate></row>
<row _id="1028"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>994</denials><originations>1347</originations><total>2341</total><denial_rate>0.4246048697137975</denial_rate><origination_rate>0.5753951302862025</origination_rate></row>
<row _id="1029"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>8234</denials><originations>22530</originations><total>30764</total><denial_rate>0.2676505005850995</denial_rate><origination_rate>0.7323494994149006</origination_rate></row>
<row _id="1030"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>9881</denials><originations>25350</originations><total>35231</total><denial_rate>0.2804632284068008</denial_rate><origination_rate>0.7195367715931992</origination_rate></row>
<row _id="1031"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2767</denials><originations>3821</originations><total>6588</total><denial_rate>0.4200060716454159</denial_rate><origination_rate>0.5799939283545841</origination_rate></row>
<row _id="1032"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>7903</denials><originations>22495</originations><total>30398</total><denial_rate>0.25998420948746626</denial_rate><origination_rate>0.7400157905125337</origination_rate></row>
<row _id="1033"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>61</denials><originations>107</originations><total>168</total><denial_rate>0.3630952380952381</denial_rate><origination_rate>0.6369047619047619</origination_rate></row>
<row _id="1034"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>487</denials><originations>390</originations><total>877</total><denial_rate>0.5553021664766249</denial_rate><origination_rate>0.44469783352337516</origination_rate></row>
<row _id="1035"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>987</denials><originations>1300</originations><total>2287</total><denial_rate>0.43156974202011367</denial_rate><origination_rate>0.5684302579798863</origination_rate></row>
<row _id="1036"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>263</denials><originations>226</originations><total>489</total><denial_rate>0.5378323108384458</denial_rate><origination_rate>0.4621676891615542</origination_rate></row>
<row _id="1037"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1774</denials><originations>3655</originations><total>5429</total><denial_rate>0.3267636765518512</denial_rate><origination_rate>0.6732363234481489</origination_rate></row>
<row _id="1038"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>2366</denials><originations>4461</originations><total>6827</total><denial_rate>0.34656510912553096</denial_rate><origination_rate>0.653434890874469</origination_rate></row>
<row _id="1039"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>615</denials><originations>532</originations><total>1147</total><denial_rate>0.5361813426329556</denial_rate><origination_rate>0.4638186573670445</origination_rate></row>
<row _id="1040"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>2000</denials><originations>4206</originations><total>6206</total><denial_rate>0.3222687721559781</denial_rate><origination_rate>0.677731227844022</origination_rate></row>
<row _id="1041"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>76</denials><originations>583</originations><total>659</total><denial_rate>0.11532625189681335</denial_rate><origination_rate>0.8846737481031867</origination_rate></row>
<row _id="1042"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>293</denials><originations>741</originations><total>1034</total><denial_rate>0.28336557059961315</denial_rate><origination_rate>0.7166344294003868</origination_rate></row>
<row _id="1043"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>402</denials><originations>1907</originations><total>2309</total><denial_rate>0.17410134257254223</denial_rate><origination_rate>0.8258986574274578</origination_rate></row>
<row _id="1044"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>155</denials><originations>561</originations><total>716</total><denial_rate>0.2164804469273743</denial_rate><origination_rate>0.7835195530726257</origination_rate></row>
<row _id="1045"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>970</denials><originations>7707</originations><total>8677</total><denial_rate>0.11178978909761439</denial_rate><origination_rate>0.8882102109023856</origination_rate></row>
<row _id="1046"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1110</denials><originations>8366</originations><total>9476</total><denial_rate>0.11713803292528494</denial_rate><origination_rate>0.8828619670747151</origination_rate></row>
<row _id="1047"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>389</denials><originations>1372</originations><total>1761</total><denial_rate>0.22089721749006247</denial_rate><origination_rate>0.7791027825099376</origination_rate></row>
<row _id="1048"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>840</denials><originations>7182</originations><total>8022</total><denial_rate>0.10471204188481675</denial_rate><origination_rate>0.8952879581151832</origination_rate></row>
<row _id="1049"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>187</denials><originations>360</originations><total>547</total><denial_rate>0.34186471663619744</denial_rate><origination_rate>0.6581352833638026</origination_rate></row>
<row _id="1050"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>1473</denials><originations>1451</originations><total>2924</total><denial_rate>0.5037619699042407</denial_rate><origination_rate>0.49623803009575923</origination_rate></row>
<row _id="1051"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>2583</denials><originations>3379</originations><total>5962</total><denial_rate>0.4332438778933244</denial_rate><origination_rate>0.5667561221066756</origination_rate></row>
<row _id="1052"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>576</denials><originations>560</originations><total>1136</total><denial_rate>0.5070422535211268</denial_rate><origination_rate>0.49295774647887325</origination_rate></row>
<row _id="1053"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>5490</denials><originations>11168</originations><total>16658</total><denial_rate>0.32957137711610035</denial_rate><origination_rate>0.6704286228838996</origination_rate></row>
<row _id="1054"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>6405</denials><originations>12523</originations><total>18928</total><denial_rate>0.33838757396449703</denial_rate><origination_rate>0.661612426035503</origination_rate></row>
<row _id="1055"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1763</denials><originations>1917</originations><total>3680</total><denial_rate>0.47907608695652176</denial_rate><origination_rate>0.5209239130434783</origination_rate></row>
<row _id="1056"><year>2007</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>5063</denials><originations>11107</originations><total>16170</total><denial_rate>0.31311069882498455</denial_rate><origination_rate>0.6868893011750155</origination_rate></row>
<row _id="1057"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>362</denials><originations>963</originations><total>1325</total><denial_rate>0.2732075471698113</denial_rate><origination_rate>0.7267924528301887</origination_rate></row>
<row _id="1058"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>1405</denials><originations>1557</originations><total>2962</total><denial_rate>0.47434166103983794</denial_rate><origination_rate>0.525658338960162</origination_rate></row>
<row _id="1059"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>2753</denials><originations>4628</originations><total>7381</total><denial_rate>0.3729846904213521</denial_rate><origination_rate>0.6270153095786479</origination_rate></row>
<row _id="1060"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>746</denials><originations>922</originations><total>1668</total><denial_rate>0.447242206235012</denial_rate><origination_rate>0.552757793764988</origination_rate></row>
<row _id="1061"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>6158</denials><originations>16148</originations><total>22306</total><denial_rate>0.27606921904420334</denial_rate><origination_rate>0.7239307809557967</origination_rate></row>
<row _id="1062"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>7504</denials><originations>18313</originations><total>25817</total><denial_rate>0.29066119223767284</denial_rate><origination_rate>0.7093388077623272</origination_rate></row>
<row _id="1063"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>1896</denials><originations>2637</originations><total>4533</total><denial_rate>0.4182660489741893</denial_rate><origination_rate>0.5817339510258107</origination_rate></row>
<row _id="1064"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>6316</denials><originations>16664</originations><total>22980</total><denial_rate>0.27484769364664924</denial_rate><origination_rate>0.7251523063533507</origination_rate></row>
<row _id="1065"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>62</denials><originations>55</originations><total>117</total><denial_rate>0.5299145299145299</denial_rate><origination_rate>0.4700854700854701</origination_rate></row>
<row _id="1066"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>246</denials><originations>149</originations><total>395</total><denial_rate>0.6227848101265823</denial_rate><origination_rate>0.37721518987341773</origination_rate></row>
<row _id="1067"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>610</denials><originations>637</originations><total>1247</total><denial_rate>0.48917401764234164</denial_rate><origination_rate>0.5108259823576584</origination_rate></row>
<row _id="1068"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>170</denials><originations>89</originations><total>259</total><denial_rate>0.6563706563706564</denial_rate><origination_rate>0.3436293436293436</origination_rate></row>
<row _id="1069"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1140</denials><originations>1744</originations><total>2884</total><denial_rate>0.39528432732316227</denial_rate><origination_rate>0.6047156726768377</origination_rate></row>
<row _id="1070"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>1492</denials><originations>2190</originations><total>3682</total><denial_rate>0.4052145573058121</denial_rate><origination_rate>0.594785442694188</origination_rate></row>
<row _id="1071"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>345</denials><originations>229</originations><total>574</total><denial_rate>0.6010452961672473</denial_rate><origination_rate>0.3989547038327526</origination_rate></row>
<row _id="1072"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1311</denials><originations>2061</originations><total>3372</total><denial_rate>0.3887900355871886</denial_rate><origination_rate>0.6112099644128114</origination_rate></row>
<row _id="1073"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>71</denials><originations>532</originations><total>603</total><denial_rate>0.11774461028192372</denial_rate><origination_rate>0.8822553897180763</origination_rate></row>
<row _id="1074"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>170</denials><originations>480</originations><total>650</total><denial_rate>0.26153846153846155</denial_rate><origination_rate>0.7384615384615385</origination_rate></row>
<row _id="1075"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>268</denials><originations>1504</originations><total>1772</total><denial_rate>0.15124153498871332</denial_rate><origination_rate>0.8487584650112867</origination_rate></row>
<row _id="1076"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>98</denials><originations>372</originations><total>470</total><denial_rate>0.20851063829787234</denial_rate><origination_rate>0.7914893617021277</origination_rate></row>
<row _id="1077"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>804</denials><originations>5414</originations><total>6218</total><denial_rate>0.1293020263750402</denial_rate><origination_rate>0.8706979736249598</origination_rate></row>
<row _id="1078"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>873</denials><originations>6080</originations><total>6953</total><denial_rate>0.12555731338990364</denial_rate><origination_rate>0.8744426866100964</origination_rate></row>
<row _id="1079"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>252</denials><originations>1044</originations><total>1296</total><denial_rate>0.19444444444444445</denial_rate><origination_rate>0.8055555555555556</origination_rate></row>
<row _id="1080"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>722</denials><originations>5384</originations><total>6106</total><denial_rate>0.11824434981984933</denial_rate><origination_rate>0.8817556501801507</origination_rate></row>
<row _id="1081"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>229</denials><originations>376</originations><total>605</total><denial_rate>0.3785123966942149</denial_rate><origination_rate>0.6214876033057851</origination_rate></row>
<row _id="1082"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>989</denials><originations>928</originations><total>1917</total><denial_rate>0.5159102764736567</denial_rate><origination_rate>0.4840897235263432</origination_rate></row>
<row _id="1083"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1875</denials><originations>2487</originations><total>4362</total><denial_rate>0.4298486932599725</denial_rate><origination_rate>0.5701513067400276</origination_rate></row>
<row _id="1084"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>478</denials><originations>461</originations><total>939</total><denial_rate>0.5090521831735889</denial_rate><origination_rate>0.4909478168264111</origination_rate></row>
<row _id="1085"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>4214</denials><originations>8990</originations><total>13204</total><denial_rate>0.3191457134201757</denial_rate><origination_rate>0.6808542865798243</origination_rate></row>
<row _id="1086"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>5139</denials><originations>10043</originations><total>15182</total><denial_rate>0.3384929521802134</denial_rate><origination_rate>0.6615070478197866</origination_rate></row>
<row _id="1087"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1299</denials><originations>1364</originations><total>2663</total><denial_rate>0.48779571911378145</denial_rate><origination_rate>0.5122042808862185</origination_rate></row>
<row _id="1088"><year>2008</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>4283</denials><originations>9219</originations><total>13502</total><denial_rate>0.3172122648496519</denial_rate><origination_rate>0.6827877351503481</origination_rate></row>
<row _id="1089"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>488</denials><originations>1517</originations><total>2005</total><denial_rate>0.2433915211970075</denial_rate><origination_rate>0.7566084788029925</origination_rate></row>
<row _id="1090"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>811</denials><originations>1335</originations><total>2146</total><denial_rate>0.37791239515377445</denial_rate><origination_rate>0.6220876048462255</origination_rate></row>
<row _id="1091"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>2074</denials><originations>5198</originations><total>7272</total><denial_rate>0.2852035203520352</denial_rate><origination_rate>0.7147964796479648</origination_rate></row>
<row _id="1092"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>507</denials><originations>902</originations><total>1409</total><denial_rate>0.3598296664300923</denial_rate><origination_rate>0.6401703335699077</origination_rate></row>
<row _id="1093"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>5834</denials><originations>22163</originations><total>27997</total><denial_rate>0.20837946922884595</denial_rate><origination_rate>0.791620530771154</origination_rate></row>
<row _id="1094"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>6799</denials><originations>24579</originations><total>31378</total><denial_rate>0.2166804767671617</denial_rate><origination_rate>0.7833195232328383</origination_rate></row>
<row _id="1095"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>1363</denials><originations>3007</originations><total>4370</total><denial_rate>0.31189931350114414</denial_rate><origination_rate>0.6881006864988558</origination_rate></row>
<row _id="1096"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>5869</denials><originations>22462</originations><total>28331</total><denial_rate>0.20715823656065793</denial_rate><origination_rate>0.7928417634393421</origination_rate></row>
<row _id="1097"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>29</denials><originations>33</originations><total>62</total><denial_rate>0.46774193548387094</denial_rate><origination_rate>0.532258064516129</origination_rate></row>
<row _id="1098"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>94</denials><originations>70</originations><total>164</total><denial_rate>0.573170731707317</denial_rate><origination_rate>0.4268292682926829</origination_rate></row>
<row _id="1099"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>298</denials><originations>427</originations><total>725</total><denial_rate>0.4110344827586207</denial_rate><origination_rate>0.5889655172413794</origination_rate></row>
<row _id="1100"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>79</denials><originations>40</originations><total>119</total><denial_rate>0.6638655462184874</denial_rate><origination_rate>0.33613445378151263</origination_rate></row>
<row _id="1101"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>553</denials><originations>1060</originations><total>1613</total><denial_rate>0.3428394296342219</denial_rate><origination_rate>0.657160570365778</origination_rate></row>
<row _id="1102"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>705</denials><originations>1365</originations><total>2070</total><denial_rate>0.34057971014492755</denial_rate><origination_rate>0.6594202898550725</origination_rate></row>
<row _id="1103"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>134</denials><originations>107</originations><total>241</total><denial_rate>0.5560165975103735</denial_rate><origination_rate>0.44398340248962653</origination_rate></row>
<row _id="1104"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>632</denials><originations>1304</originations><total>1936</total><denial_rate>0.32644628099173556</denial_rate><origination_rate>0.6735537190082644</origination_rate></row>
<row _id="1105"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>82</denials><originations>421</originations><total>503</total><denial_rate>0.16302186878727634</denial_rate><origination_rate>0.8369781312127237</origination_rate></row>
<row _id="1106"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>86</denials><originations>360</originations><total>446</total><denial_rate>0.19282511210762332</denial_rate><origination_rate>0.8071748878923767</origination_rate></row>
<row _id="1107"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>207</denials><originations>1257</originations><total>1464</total><denial_rate>0.1413934426229508</denial_rate><origination_rate>0.8586065573770492</origination_rate></row>
<row _id="1108"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>57</denials><originations>279</originations><total>336</total><denial_rate>0.16964285714285715</denial_rate><origination_rate>0.8303571428571429</origination_rate></row>
<row _id="1109"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>594</denials><originations>4461</originations><total>5055</total><denial_rate>0.11750741839762611</denial_rate><origination_rate>0.8824925816023739</origination_rate></row>
<row _id="1110"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>668</denials><originations>5111</originations><total>5779</total><denial_rate>0.11559093268731614</denial_rate><origination_rate>0.8844090673126839</origination_rate></row>
<row _id="1111"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>174</denials><originations>831</originations><total>1005</total><denial_rate>0.17313432835820897</denial_rate><origination_rate>0.826865671641791</origination_rate></row>
<row _id="1112"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>540</denials><originations>4561</originations><total>5101</total><denial_rate>0.10586159576553617</denial_rate><origination_rate>0.8941384042344638</origination_rate></row>
<row _id="1113"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>377</denials><originations>1063</originations><total>1440</total><denial_rate>0.26180555555555557</denial_rate><origination_rate>0.7381944444444445</origination_rate></row>
<row _id="1114"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>631</denials><originations>905</originations><total>1536</total><denial_rate>0.4108072916666667</denial_rate><origination_rate>0.5891927083333334</origination_rate></row>
<row _id="1115"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1569</denials><originations>3514</originations><total>5083</total><denial_rate>0.3086759787527051</denial_rate><origination_rate>0.6913240212472949</origination_rate></row>
<row _id="1116"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>371</denials><originations>583</originations><total>954</total><denial_rate>0.3888888888888889</denial_rate><origination_rate>0.6111111111111112</origination_rate></row>
<row _id="1117"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>4687</denials><originations>16642</originations><total>21329</total><denial_rate>0.21974776126400675</denial_rate><origination_rate>0.7802522387359933</origination_rate></row>
<row _id="1118"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>5426</denials><originations>18103</originations><total>23529</total><denial_rate>0.23060903565812402</denial_rate><origination_rate>0.769390964341876</origination_rate></row>
<row _id="1119"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1055</denials><originations>2069</originations><total>3124</total><denial_rate>0.33770806658130603</denial_rate><origination_rate>0.662291933418694</origination_rate></row>
<row _id="1120"><year>2009</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>4697</denials><originations>16597</originations><total>21294</total><denial_rate>0.22057856673241288</denial_rate><origination_rate>0.7794214332675871</origination_rate></row>
<row _id="1121"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>418</denials><originations>1378</originations><total>1796</total><denial_rate>0.23273942093541203</denial_rate><origination_rate>0.767260579064588</origination_rate></row>
<row _id="1122"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>553</denials><originations>842</originations><total>1395</total><denial_rate>0.396415770609319</denial_rate><origination_rate>0.603584229390681</origination_rate></row>
<row _id="1123"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>1733</denials><originations>4094</originations><total>5827</total><denial_rate>0.2974086150677879</denial_rate><origination_rate>0.7025913849322121</origination_rate></row>
<row _id="1124"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>336</denials><originations>667</originations><total>1003</total><denial_rate>0.3349950149551346</denial_rate><origination_rate>0.6650049850448654</origination_rate></row>
<row _id="1125"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4950</denials><originations>18657</originations><total>23607</total><denial_rate>0.20968356843309188</denial_rate><origination_rate>0.7903164315669081</origination_rate></row>
<row _id="1126"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>5866</denials><originations>20772</originations><total>26638</total><denial_rate>0.22021172760717772</denial_rate><origination_rate>0.7797882723928223</origination_rate></row>
<row _id="1127"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>1043</denials><originations>2325</originations><total>3368</total><denial_rate>0.3096793349168646</denial_rate><origination_rate>0.6903206650831354</origination_rate></row>
<row _id="1128"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>5129</denials><originations>19177</originations><total>24306</total><denial_rate>0.21101785567349626</denial_rate><origination_rate>0.7889821443265037</origination_rate></row>
<row _id="1129"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>19</denials><originations>36</originations><total>55</total><denial_rate>0.34545454545454546</denial_rate><origination_rate>0.6545454545454545</origination_rate></row>
<row _id="1130"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>89</denials><originations>79</originations><total>168</total><denial_rate>0.5297619047619048</denial_rate><origination_rate>0.47023809523809523</origination_rate></row>
<row _id="1131"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>277</denials><originations>390</originations><total>667</total><denial_rate>0.41529235382308843</denial_rate><origination_rate>0.5847076461769115</origination_rate></row>
<row _id="1132"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>41</denials><originations>41</originations><total>82</total><denial_rate>0.5</denial_rate><origination_rate>0.5</origination_rate></row>
<row _id="1133"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>557</denials><originations>1191</originations><total>1748</total><denial_rate>0.31864988558352403</denial_rate><origination_rate>0.681350114416476</origination_rate></row>
<row _id="1134"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>733</denials><originations>1456</originations><total>2189</total><denial_rate>0.33485609867519417</denial_rate><origination_rate>0.6651439013248058</origination_rate></row>
<row _id="1135"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>121</denials><originations>121</originations><total>242</total><denial_rate>0.5</denial_rate><origination_rate>0.5</origination_rate></row>
<row _id="1136"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>657</denials><originations>1386</originations><total>2043</total><denial_rate>0.32158590308370044</denial_rate><origination_rate>0.6784140969162996</origination_rate></row>
<row _id="1137"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>63</denials><originations>380</originations><total>443</total><denial_rate>0.14221218961625282</denial_rate><origination_rate>0.8577878103837472</origination_rate></row>
<row _id="1138"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>71</denials><originations>246</originations><total>317</total><denial_rate>0.22397476340694006</denial_rate><origination_rate>0.7760252365930599</origination_rate></row>
<row _id="1139"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>186</denials><originations>998</originations><total>1184</total><denial_rate>0.1570945945945946</denial_rate><origination_rate>0.8429054054054054</origination_rate></row>
<row _id="1140"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>49</denials><originations>228</originations><total>277</total><denial_rate>0.17689530685920576</denial_rate><origination_rate>0.8231046931407943</origination_rate></row>
<row _id="1141"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>483</denials><originations>3629</originations><total>4112</total><denial_rate>0.11746108949416342</denial_rate><origination_rate>0.8825389105058365</origination_rate></row>
<row _id="1142"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>571</denials><originations>4188</originations><total>4759</total><denial_rate>0.1199831897457449</denial_rate><origination_rate>0.880016810254255</origination_rate></row>
<row _id="1143"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>143</denials><originations>652</originations><total>795</total><denial_rate>0.17987421383647798</denial_rate><origination_rate>0.820125786163522</origination_rate></row>
<row _id="1144"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>471</denials><originations>3778</originations><total>4249</total><denial_rate>0.1108496116733349</denial_rate><origination_rate>0.8891503883266652</origination_rate></row>
<row _id="1145"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>336</denials><originations>962</originations><total>1298</total><denial_rate>0.2588597842835131</denial_rate><origination_rate>0.7411402157164869</origination_rate></row>
<row _id="1146"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>393</denials><originations>517</originations><total>910</total><denial_rate>0.4318681318681319</denial_rate><origination_rate>0.5681318681318681</origination_rate></row>
<row _id="1147"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1270</denials><originations>2706</originations><total>3976</total><denial_rate>0.3194164989939638</denial_rate><origination_rate>0.6805835010060363</origination_rate></row>
<row _id="1148"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>246</denials><originations>398</originations><total>644</total><denial_rate>0.38198757763975155</denial_rate><origination_rate>0.6180124223602484</origination_rate></row>
<row _id="1149"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>3910</denials><originations>13837</originations><total>17747</total><denial_rate>0.22031892714261567</denial_rate><origination_rate>0.7796810728573843</origination_rate></row>
<row _id="1150"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>4562</denials><originations>15128</originations><total>19690</total><denial_rate>0.23169121381411883</denial_rate><origination_rate>0.7683087861858812</origination_rate></row>
<row _id="1151"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>779</denials><originations>1552</originations><total>2331</total><denial_rate>0.3341913341913342</denial_rate><origination_rate>0.6658086658086658</origination_rate></row>
<row _id="1152"><year>2010</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>4001</denials><originations>14013</originations><total>18014</total><denial_rate>0.22210502942156102</denial_rate><origination_rate>0.777894970578439</origination_rate></row>
<row _id="1153"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>407</denials><originations>1274</originations><total>1681</total><denial_rate>0.24211778703152886</denial_rate><origination_rate>0.7578822129684711</origination_rate></row>
<row _id="1154"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>454</denials><originations>790</originations><total>1244</total><denial_rate>0.364951768488746</denial_rate><origination_rate>0.635048231511254</origination_rate></row>
<row _id="1155"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>1449</denials><originations>3709</originations><total>5158</total><denial_rate>0.2809228383094223</denial_rate><origination_rate>0.7190771616905778</origination_rate></row>
<row _id="1156"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>302</denials><originations>595</originations><total>897</total><denial_rate>0.3366778149386845</denial_rate><origination_rate>0.6633221850613155</origination_rate></row>
<row _id="1157"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4590</denials><originations>16217</originations><total>20807</total><denial_rate>0.22059883692987936</denial_rate><origination_rate>0.7794011630701206</origination_rate></row>
<row _id="1158"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>5341</denials><originations>18408</originations><total>23749</total><denial_rate>0.22489367973388352</denial_rate><origination_rate>0.7751063202661165</origination_rate></row>
<row _id="1159"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>919</denials><originations>2168</originations><total>3087</total><denial_rate>0.29770003239390996</denial_rate><origination_rate>0.70229996760609</origination_rate></row>
<row _id="1160"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>4702</denials><originations>16804</originations><total>21506</total><denial_rate>0.21863665953687342</denial_rate><origination_rate>0.7813633404631266</origination_rate></row>
<row _id="1161"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>35</denials><originations>34</originations><total>69</total><denial_rate>0.5072463768115942</denial_rate><origination_rate>0.4927536231884058</origination_rate></row>
<row _id="1162"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>78</denials><originations>71</originations><total>149</total><denial_rate>0.5234899328859061</denial_rate><origination_rate>0.47651006711409394</origination_rate></row>
<row _id="1163"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>277</denials><originations>402</originations><total>679</total><denial_rate>0.40795287187039764</denial_rate><origination_rate>0.5920471281296024</origination_rate></row>
<row _id="1164"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>46</denials><originations>34</originations><total>80</total><denial_rate>0.575</denial_rate><origination_rate>0.425</origination_rate></row>
<row _id="1165"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>528</denials><originations>1044</originations><total>1572</total><denial_rate>0.33587786259541985</denial_rate><origination_rate>0.6641221374045801</origination_rate></row>
<row _id="1166"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>708</denials><originations>1350</originations><total>2058</total><denial_rate>0.34402332361516036</denial_rate><origination_rate>0.6559766763848397</origination_rate></row>
<row _id="1167"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>124</denials><originations>117</originations><total>241</total><denial_rate>0.5145228215767634</denial_rate><origination_rate>0.4854771784232365</origination_rate></row>
<row _id="1168"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>644</denials><originations>1267</originations><total>1911</total><denial_rate>0.336996336996337</denial_rate><origination_rate>0.663003663003663</origination_rate></row>
<row _id="1169"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>85</denials><originations>352</originations><total>437</total><denial_rate>0.1945080091533181</denial_rate><origination_rate>0.8054919908466819</origination_rate></row>
<row _id="1170"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>48</denials><originations>190</originations><total>238</total><denial_rate>0.20168067226890757</denial_rate><origination_rate>0.7983193277310925</origination_rate></row>
<row _id="1171"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>176</denials><originations>880</originations><total>1056</total><denial_rate>0.16666666666666666</denial_rate><origination_rate>0.8333333333333334</origination_rate></row>
<row _id="1172"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>55</denials><originations>178</originations><total>233</total><denial_rate>0.23605150214592274</denial_rate><origination_rate>0.7639484978540773</origination_rate></row>
<row _id="1173"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>476</denials><originations>3195</originations><total>3671</total><denial_rate>0.1296649414328521</denial_rate><origination_rate>0.8703350585671479</origination_rate></row>
<row _id="1174"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>562</denials><originations>3755</originations><total>4317</total><denial_rate>0.1301829974519342</denial_rate><origination_rate>0.8698170025480658</origination_rate></row>
<row _id="1175"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>137</denials><originations>560</originations><total>697</total><denial_rate>0.19655667144906744</denial_rate><origination_rate>0.8034433285509326</origination_rate></row>
<row _id="1176"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>469</denials><originations>3371</originations><total>3840</total><denial_rate>0.12213541666666666</denial_rate><origination_rate>0.8778645833333333</origination_rate></row>
<row _id="1177"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>287</denials><originations>888</originations><total>1175</total><denial_rate>0.24425531914893617</denial_rate><origination_rate>0.7557446808510638</origination_rate></row>
<row _id="1178"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>328</denials><originations>529</originations><total>857</total><denial_rate>0.38273045507584597</denial_rate><origination_rate>0.617269544924154</origination_rate></row>
<row _id="1179"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>996</denials><originations>2427</originations><total>3423</total><denial_rate>0.2909728308501315</denial_rate><origination_rate>0.7090271691498685</origination_rate></row>
<row _id="1180"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>201</denials><originations>383</originations><total>584</total><denial_rate>0.3441780821917808</denial_rate><origination_rate>0.6558219178082192</origination_rate></row>
<row _id="1181"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>3586</denials><originations>11978</originations><total>15564</total><denial_rate>0.23040349524543818</denial_rate><origination_rate>0.7695965047545618</origination_rate></row>
<row _id="1182"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>4071</denials><originations>13303</originations><total>17374</total><denial_rate>0.2343156440658455</denial_rate><origination_rate>0.7656843559341545</origination_rate></row>
<row _id="1183"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>658</denials><originations>1491</originations><total>2149</total><denial_rate>0.30618892508143325</denial_rate><origination_rate>0.6938110749185668</origination_rate></row>
<row _id="1184"><year>2011</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>3589</denials><originations>12166</originations><total>15755</total><denial_rate>0.22780069819105045</denial_rate><origination_rate>0.7721993018089496</origination_rate></row>
<row _id="1185"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>442</denials><originations>1604</originations><total>2046</total><denial_rate>0.21603128054740958</denial_rate><origination_rate>0.7839687194525904</origination_rate></row>
<row _id="1186"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>563</denials><originations>1143</originations><total>1706</total><denial_rate>0.3300117233294256</denial_rate><origination_rate>0.6699882766705745</origination_rate></row>
<row _id="1187"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>1681</denials><originations>4959</originations><total>6640</total><denial_rate>0.2531626506024096</denial_rate><origination_rate>0.7468373493975904</origination_rate></row>
<row _id="1188"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>326</denials><originations>779</originations><total>1105</total><denial_rate>0.29502262443438915</denial_rate><origination_rate>0.7049773755656109</origination_rate></row>
<row _id="1189"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>5300</denials><originations>21429</originations><total>26729</total><denial_rate>0.19828650529387556</denial_rate><origination_rate>0.8017134947061244</origination_rate></row>
<row _id="1190"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>6237</denials><originations>24361</originations><total>30598</total><denial_rate>0.2038368520818354</denial_rate><origination_rate>0.7961631479181646</origination_rate></row>
<row _id="1191"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>1093</denials><originations>2879</originations><total>3972</total><denial_rate>0.27517623363544813</denial_rate><origination_rate>0.7248237663645518</origination_rate></row>
<row _id="1192"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>5417</denials><originations>22226</originations><total>27643</total><denial_rate>0.19596281156169734</denial_rate><origination_rate>0.8040371884383026</origination_rate></row>
<row _id="1193"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>29</denials><originations>32</originations><total>61</total><denial_rate>0.47540983606557374</denial_rate><origination_rate>0.5245901639344263</origination_rate></row>
<row _id="1194"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>65</denials><originations>89</originations><total>154</total><denial_rate>0.42207792207792205</denial_rate><origination_rate>0.577922077922078</origination_rate></row>
<row _id="1195"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>280</denials><originations>466</originations><total>746</total><denial_rate>0.3753351206434316</denial_rate><origination_rate>0.6246648793565683</origination_rate></row>
<row _id="1196"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>47</denials><originations>45</originations><total>92</total><denial_rate>0.5108695652173914</denial_rate><origination_rate>0.4891304347826087</origination_rate></row>
<row _id="1197"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>474</denials><originations>1222</originations><total>1696</total><denial_rate>0.2794811320754717</denial_rate><origination_rate>0.7205188679245284</origination_rate></row>
<row _id="1198"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>661</denials><originations>1584</originations><total>2245</total><denial_rate>0.2944320712694877</denial_rate><origination_rate>0.7055679287305122</origination_rate></row>
<row _id="1199"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>116</denials><originations>131</originations><total>247</total><denial_rate>0.46963562753036436</denial_rate><origination_rate>0.5303643724696356</origination_rate></row>
<row _id="1200"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>602</denials><originations>1519</originations><total>2121</total><denial_rate>0.2838283828382838</denial_rate><origination_rate>0.7161716171617162</origination_rate></row>
<row _id="1201"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>62</denials><originations>335</originations><total>397</total><denial_rate>0.1561712846347607</denial_rate><origination_rate>0.8438287153652393</origination_rate></row>
<row _id="1202"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>87</denials><originations>222</originations><total>309</total><denial_rate>0.2815533980582524</denial_rate><origination_rate>0.7184466019417476</origination_rate></row>
<row _id="1203"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>195</denials><originations>989</originations><total>1184</total><denial_rate>0.16469594594594594</denial_rate><origination_rate>0.8353040540540541</origination_rate></row>
<row _id="1204"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>45</denials><originations>205</originations><total>250</total><denial_rate>0.18</denial_rate><origination_rate>0.82</origination_rate></row>
<row _id="1205"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>566</denials><originations>3690</originations><total>4256</total><denial_rate>0.13298872180451127</denial_rate><origination_rate>0.8670112781954887</origination_rate></row>
<row _id="1206"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>674</denials><originations>4313</originations><total>4987</total><denial_rate>0.1351513936234209</denial_rate><origination_rate>0.8648486063765791</origination_rate></row>
<row _id="1207"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>159</denials><originations>580</originations><total>739</total><denial_rate>0.21515561569688768</denial_rate><origination_rate>0.7848443843031123</origination_rate></row>
<row _id="1208"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>551</denials><originations>3925</originations><total>4476</total><denial_rate>0.12310098302055407</denial_rate><origination_rate>0.8768990169794459</origination_rate></row>
<row _id="1209"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>351</denials><originations>1237</originations><total>1588</total><denial_rate>0.22103274559193956</denial_rate><origination_rate>0.7789672544080605</origination_rate></row>
<row _id="1210"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>411</denials><originations>832</originations><total>1243</total><denial_rate>0.33065164923572005</denial_rate><origination_rate>0.66934835076428</origination_rate></row>
<row _id="1211"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1206</denials><originations>3504</originations><total>4710</total><denial_rate>0.25605095541401274</denial_rate><origination_rate>0.7439490445859872</origination_rate></row>
<row _id="1212"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>234</denials><originations>529</originations><total>763</total><denial_rate>0.30668414154652685</denial_rate><origination_rate>0.6933158584534731</origination_rate></row>
<row _id="1213"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>4260</denials><originations>16517</originations><total>20777</total><denial_rate>0.20503441305289502</denial_rate><origination_rate>0.794965586947105</origination_rate></row>
<row _id="1214"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>4902</denials><originations>18464</originations><total>23366</total><denial_rate>0.20979200547804502</denial_rate><origination_rate>0.790207994521955</origination_rate></row>
<row _id="1215"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>818</denials><originations>2168</originations><total>2986</total><denial_rate>0.2739450770261219</denial_rate><origination_rate>0.7260549229738781</origination_rate></row>
<row _id="1216"><year>2012</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>4264</denials><originations>16782</originations><total>21046</total><denial_rate>0.20260382020336407</denial_rate><origination_rate>0.7973961797966359</origination_rate></row>
<row _id="1217"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>360</denials><originations>1355</originations><total>1715</total><denial_rate>0.2099125364431487</denial_rate><origination_rate>0.7900874635568513</origination_rate></row>
<row _id="1218"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>479</denials><originations>1026</originations><total>1505</total><denial_rate>0.31827242524916943</denial_rate><origination_rate>0.6817275747508306</origination_rate></row>
<row _id="1219"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>1371</denials><originations>4167</originations><total>5538</total><denial_rate>0.24756229685807152</denial_rate><origination_rate>0.7524377031419285</origination_rate></row>
<row _id="1220"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>328</denials><originations>762</originations><total>1090</total><denial_rate>0.30091743119266057</denial_rate><origination_rate>0.6990825688073394</origination_rate></row>
<row _id="1221"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4281</denials><originations>16945</originations><total>21226</total><denial_rate>0.2016866107603882</denial_rate><origination_rate>0.7983133892396118</origination_rate></row>
<row _id="1222"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>4915</denials><originations>19337</originations><total>24252</total><denial_rate>0.20266369783935345</denial_rate><origination_rate>0.7973363021606465</origination_rate></row>
<row _id="1223"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>912</denials><originations>2511</originations><total>3423</total><denial_rate>0.26643295354951796</denial_rate><origination_rate>0.733567046450482</origination_rate></row>
<row _id="1224"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>4310</denials><originations>17535</originations><total>21845</total><denial_rate>0.19729915312428473</denial_rate><origination_rate>0.8027008468757153</origination_rate></row>
<row _id="1225"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>21</denials><originations>33</originations><total>54</total><denial_rate>0.3888888888888889</denial_rate><origination_rate>0.6111111111111112</origination_rate></row>
<row _id="1226"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>66</denials><originations>64</originations><total>130</total><denial_rate>0.5076923076923077</denial_rate><origination_rate>0.49230769230769234</origination_rate></row>
<row _id="1227"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>269</denials><originations>376</originations><total>645</total><denial_rate>0.4170542635658915</denial_rate><origination_rate>0.5829457364341085</origination_rate></row>
<row _id="1228"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>51</denials><originations>45</originations><total>96</total><denial_rate>0.53125</denial_rate><origination_rate>0.46875</origination_rate></row>
<row _id="1229"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>467</denials><originations>970</originations><total>1437</total><denial_rate>0.32498260264439804</denial_rate><origination_rate>0.675017397355602</origination_rate></row>
<row _id="1230"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>650</denials><originations>1254</originations><total>1904</total><denial_rate>0.34138655462184875</denial_rate><origination_rate>0.6586134453781513</origination_rate></row>
<row _id="1231"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>106</denials><originations>108</originations><total>214</total><denial_rate>0.4953271028037383</denial_rate><origination_rate>0.5046728971962616</origination_rate></row>
<row _id="1232"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>605</denials><originations>1199</originations><total>1804</total><denial_rate>0.3353658536585366</denial_rate><origination_rate>0.6646341463414634</origination_rate></row>
<row _id="1233"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>92</denials><originations>494</originations><total>586</total><denial_rate>0.15699658703071673</denial_rate><origination_rate>0.8430034129692833</origination_rate></row>
<row _id="1234"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>74</denials><originations>219</originations><total>293</total><denial_rate>0.2525597269624573</denial_rate><origination_rate>0.7474402730375427</origination_rate></row>
<row _id="1235"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>178</denials><originations>1169</originations><total>1347</total><denial_rate>0.1321455085374907</denial_rate><origination_rate>0.8678544914625093</origination_rate></row>
<row _id="1236"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>60</denials><originations>229</originations><total>289</total><denial_rate>0.20761245674740483</denial_rate><origination_rate>0.7923875432525952</origination_rate></row>
<row _id="1237"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>600</denials><originations>4352</originations><total>4952</total><denial_rate>0.12116316639741519</denial_rate><origination_rate>0.8788368336025848</origination_rate></row>
<row _id="1238"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>669</denials><originations>5086</originations><total>5755</total><denial_rate>0.11624674196351</denial_rate><origination_rate>0.88375325803649</origination_rate></row>
<row _id="1239"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>175</denials><originations>731</originations><total>906</total><denial_rate>0.19315673289183222</denial_rate><origination_rate>0.8068432671081678</origination_rate></row>
<row _id="1240"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>556</denials><originations>4576</originations><total>5132</total><denial_rate>0.1083398285268901</denial_rate><origination_rate>0.8916601714731099</origination_rate></row>
<row _id="1241"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>247</denials><originations>828</originations><total>1075</total><denial_rate>0.2297674418604651</denial_rate><origination_rate>0.7702325581395348</origination_rate></row>
<row _id="1242"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>339</denials><originations>743</originations><total>1082</total><denial_rate>0.3133086876155268</denial_rate><origination_rate>0.6866913123844732</origination_rate></row>
<row _id="1243"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>924</denials><originations>2622</originations><total>3546</total><denial_rate>0.26057529610829105</denial_rate><origination_rate>0.739424703891709</origination_rate></row>
<row _id="1244"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>217</denials><originations>488</originations><total>705</total><denial_rate>0.3078014184397163</denial_rate><origination_rate>0.6921985815602837</origination_rate></row>
<row _id="1245"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>3214</denials><originations>11623</originations><total>14837</total><denial_rate>0.21662061063557322</denial_rate><origination_rate>0.7833793893644267</origination_rate></row>
<row _id="1246"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>3596</denials><originations>12997</originations><total>16593</total><denial_rate>0.21671789308744652</denial_rate><origination_rate>0.7832821069125535</origination_rate></row>
<row _id="1247"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>631</denials><originations>1672</originations><total>2303</total><denial_rate>0.27399044724272686</denial_rate><origination_rate>0.7260095527572731</origination_rate></row>
<row _id="1248"><year>2013</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>3149</denials><originations>11760</originations><total>14909</total><denial_rate>0.21121470252867394</denial_rate><origination_rate>0.7887852974713261</origination_rate></row>
<row _id="1249"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>231</denials><originations>760</originations><total>991</total><denial_rate>0.2330978809283552</denial_rate><origination_rate>0.7669021190716448</origination_rate></row>
<row _id="1250"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>417</denials><originations>635</originations><total>1052</total><denial_rate>0.39638783269961975</denial_rate><origination_rate>0.6036121673003803</origination_rate></row>
<row _id="1251"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>949</denials><originations>2548</originations><total>3497</total><denial_rate>0.27137546468401486</denial_rate><origination_rate>0.7286245353159851</origination_rate></row>
<row _id="1252"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>246</denials><originations>429</originations><total>675</total><denial_rate>0.36444444444444446</denial_rate><origination_rate>0.6355555555555555</origination_rate></row>
<row _id="1253"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>2626</denials><originations>8791</originations><total>11417</total><denial_rate>0.23000788298151878</denial_rate><origination_rate>0.7699921170184812</origination_rate></row>
<row _id="1254"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>3138</denials><originations>10435</originations><total>13573</total><denial_rate>0.23119428276725854</denial_rate><origination_rate>0.7688057172327415</origination_rate></row>
<row _id="1255"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>694</denials><originations>1449</originations><total>2143</total><denial_rate>0.32384507699486703</denial_rate><origination_rate>0.676154923005133</origination_rate></row>
<row _id="1256"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>2646</denials><originations>9336</originations><total>11982</total><denial_rate>0.22083124687030545</denial_rate><origination_rate>0.7791687531296946</origination_rate></row>
<row _id="1257"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>33</denials><originations>28</originations><total>61</total><denial_rate>0.5409836065573771</denial_rate><origination_rate>0.45901639344262296</origination_rate></row>
<row _id="1258"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>75</denials><originations>54</originations><total>129</total><denial_rate>0.5813953488372093</denial_rate><origination_rate>0.4186046511627907</origination_rate></row>
<row _id="1259"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>249</denials><originations>314</originations><total>563</total><denial_rate>0.4422735346358792</denial_rate><origination_rate>0.5577264653641207</origination_rate></row>
<row _id="1260"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>40</denials><originations>22</originations><total>62</total><denial_rate>0.6451612903225806</denial_rate><origination_rate>0.3548387096774194</origination_rate></row>
<row _id="1261"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>429</denials><originations>719</originations><total>1148</total><denial_rate>0.37369337979094075</denial_rate><origination_rate>0.6263066202090593</origination_rate></row>
<row _id="1262"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>604</denials><originations>957</originations><total>1561</total><denial_rate>0.3869314541960282</denial_rate><origination_rate>0.6130685458039719</origination_rate></row>
<row _id="1263"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>124</denials><originations>88</originations><total>212</total><denial_rate>0.5849056603773585</denial_rate><origination_rate>0.41509433962264153</origination_rate></row>
<row _id="1264"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>525</denials><originations>892</originations><total>1417</total><denial_rate>0.3705010585744531</denial_rate><origination_rate>0.629498941425547</origination_rate></row>
<row _id="1265"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>80</denials><originations>468</originations><total>548</total><denial_rate>0.145985401459854</denial_rate><origination_rate>0.8540145985401459</origination_rate></row>
<row _id="1266"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>61</denials><originations>243</originations><total>304</total><denial_rate>0.20065789473684212</denial_rate><origination_rate>0.7993421052631579</origination_rate></row>
<row _id="1267"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>179</denials><originations>1180</originations><total>1359</total><denial_rate>0.13171449595290655</denial_rate><origination_rate>0.8682855040470935</origination_rate></row>
<row _id="1268"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>64</denials><originations>235</originations><total>299</total><denial_rate>0.2140468227424749</denial_rate><origination_rate>0.7859531772575251</origination_rate></row>
<row _id="1269"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>493</denials><originations>4051</originations><total>4544</total><denial_rate>0.10849471830985916</denial_rate><origination_rate>0.8915052816901409</origination_rate></row>
<row _id="1270"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>582</denials><originations>4814</originations><total>5396</total><denial_rate>0.1078576723498888</denial_rate><origination_rate>0.8921423276501111</origination_rate></row>
<row _id="1271"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>150</denials><originations>732</originations><total>882</total><denial_rate>0.17006802721088435</denial_rate><origination_rate>0.8299319727891157</origination_rate></row>
<row _id="1272"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>495</denials><originations>4282</originations><total>4777</total><denial_rate>0.10362151978229014</denial_rate><origination_rate>0.8963784802177098</origination_rate></row>
<row _id="1273"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>118</denials><originations>264</originations><total>382</total><denial_rate>0.3089005235602094</denial_rate><origination_rate>0.6910994764397905</origination_rate></row>
<row _id="1274"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>281</denials><originations>338</originations><total>619</total><denial_rate>0.45395799676898224</denial_rate><origination_rate>0.5460420032310178</origination_rate></row>
<row _id="1275"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>521</denials><originations>1054</originations><total>1575</total><denial_rate>0.3307936507936508</denial_rate><origination_rate>0.6692063492063492</origination_rate></row>
<row _id="1276"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>142</denials><originations>172</originations><total>314</total><denial_rate>0.45222929936305734</denial_rate><origination_rate>0.5477707006369427</origination_rate></row>
<row _id="1277"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>1704</denials><originations>4021</originations><total>5725</total><denial_rate>0.29764192139737994</denial_rate><origination_rate>0.7023580786026201</origination_rate></row>
<row _id="1278"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>1952</denials><originations>4664</originations><total>6616</total><denial_rate>0.2950423216444982</denial_rate><origination_rate>0.7049576783555018</origination_rate></row>
<row _id="1279"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>420</denials><originations>629</originations><total>1049</total><denial_rate>0.4003813155386082</denial_rate><origination_rate>0.5996186844613918</origination_rate></row>
<row _id="1280"><year>2014</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>1626</denials><originations>4162</originations><total>5788</total><denial_rate>0.28092605390463027</denial_rate><origination_rate>0.7190739460953697</origination_rate></row>
<row _id="1281"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>244</denials><originations>898</originations><total>1142</total><denial_rate>0.2136602451838879</denial_rate><origination_rate>0.7863397548161121</origination_rate></row>
<row _id="1282"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>424</denials><originations>740</originations><total>1164</total><denial_rate>0.3642611683848797</denial_rate><origination_rate>0.6357388316151202</origination_rate></row>
<row _id="1283"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>877</denials><originations>2912</originations><total>3789</total><denial_rate>0.2314594879915545</denial_rate><origination_rate>0.7685405120084455</origination_rate></row>
<row _id="1284"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>241</denials><originations>617</originations><total>858</total><denial_rate>0.28088578088578087</denial_rate><origination_rate>0.7191142191142191</origination_rate></row>
<row _id="1285"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>2674</denials><originations>10551</originations><total>13225</total><denial_rate>0.20219281663516067</denial_rate><origination_rate>0.7978071833648394</origination_rate></row>
<row _id="1286"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>3127</denials><originations>12210</originations><total>15337</total><denial_rate>0.20388602725435223</denial_rate><origination_rate>0.7961139727456478</origination_rate></row>
<row _id="1287"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>709</denials><originations>1711</originations><total>2420</total><denial_rate>0.2929752066115702</denial_rate><origination_rate>0.7070247933884297</origination_rate></row>
<row _id="1288"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>2599</denials><originations>10963</originations><total>13562</total><denial_rate>0.1916384014157204</denial_rate><origination_rate>0.8083615985842796</origination_rate></row>
<row _id="1289"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>26</denials><originations>30</originations><total>56</total><denial_rate>0.4642857142857143</denial_rate><origination_rate>0.5357142857142857</origination_rate></row>
<row _id="1290"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>63</denials><originations>55</originations><total>118</total><denial_rate>0.5338983050847458</denial_rate><origination_rate>0.4661016949152542</origination_rate></row>
<row _id="1291"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>217</denials><originations>304</originations><total>521</total><denial_rate>0.4165067178502879</denial_rate><origination_rate>0.5834932821497121</origination_rate></row>
<row _id="1292"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>45</denials><originations>36</originations><total>81</total><denial_rate>0.5555555555555556</denial_rate><origination_rate>0.4444444444444444</origination_rate></row>
<row _id="1293"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>371</denials><originations>757</originations><total>1128</total><denial_rate>0.32890070921985815</denial_rate><origination_rate>0.6710992907801419</origination_rate></row>
<row _id="1294"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>526</denials><originations>967</originations><total>1493</total><denial_rate>0.3523107836570663</denial_rate><origination_rate>0.6476892163429336</origination_rate></row>
<row _id="1295"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>100</denials><originations>93</originations><total>193</total><denial_rate>0.5181347150259067</denial_rate><origination_rate>0.48186528497409326</origination_rate></row>
<row _id="1296"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>461</denials><originations>913</originations><total>1374</total><denial_rate>0.33551673944687044</denial_rate><origination_rate>0.6644832605531296</origination_rate></row>
<row _id="1297"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>93</denials><originations>493</originations><total>586</total><denial_rate>0.15870307167235495</denial_rate><origination_rate>0.841296928327645</origination_rate></row>
<row _id="1298"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>63</denials><originations>298</originations><total>361</total><denial_rate>0.1745152354570637</denial_rate><origination_rate>0.8254847645429363</origination_rate></row>
<row _id="1299"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>139</denials><originations>1259</originations><total>1398</total><denial_rate>0.0994277539341917</denial_rate><origination_rate>0.9005722460658083</origination_rate></row>
<row _id="1300"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>45</denials><originations>309</originations><total>354</total><denial_rate>0.1271186440677966</denial_rate><origination_rate>0.8728813559322034</origination_rate></row>
<row _id="1301"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>467</denials><originations>4430</originations><total>4897</total><denial_rate>0.09536450888298958</denial_rate><origination_rate>0.9046354911170104</origination_rate></row>
<row _id="1302"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>532</denials><originations>5158</originations><total>5690</total><denial_rate>0.09349736379613356</denial_rate><origination_rate>0.9065026362038664</origination_rate></row>
<row _id="1303"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>161</denials><originations>817</originations><total>978</total><denial_rate>0.16462167689161555</denial_rate><origination_rate>0.8353783231083844</origination_rate></row>
<row _id="1304"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>405</denials><originations>4584</originations><total>4989</total><denial_rate>0.08117859290438965</denial_rate><origination_rate>0.9188214070956103</origination_rate></row>
<row _id="1305"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>125</denials><originations>375</originations><total>500</total><denial_rate>0.25</denial_rate><origination_rate>0.75</origination_rate></row>
<row _id="1306"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>298</denials><originations>387</originations><total>685</total><denial_rate>0.43503649635036495</denial_rate><origination_rate>0.564963503649635</origination_rate></row>
<row _id="1307"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>521</denials><originations>1349</originations><total>1870</total><denial_rate>0.2786096256684492</denial_rate><origination_rate>0.7213903743315508</origination_rate></row>
<row _id="1308"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>151</denials><originations>272</originations><total>423</total><denial_rate>0.35697399527186763</denial_rate><origination_rate>0.6430260047281324</origination_rate></row>
<row _id="1309"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>1836</denials><originations>5364</originations><total>7200</total><denial_rate>0.255</denial_rate><origination_rate>0.745</origination_rate></row>
<row _id="1310"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>2069</denials><originations>6085</originations><total>8154</total><denial_rate>0.2537404954623498</denial_rate><origination_rate>0.7462595045376502</origination_rate></row>
<row _id="1311"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>448</denials><originations>801</originations><total>1249</total><denial_rate>0.3586869495596477</denial_rate><origination_rate>0.6413130504403523</origination_rate></row>
<row _id="1312"><year>2015</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>1733</denials><originations>5466</originations><total>7199</total><denial_rate>0.24072787887206556</denial_rate><origination_rate>0.7592721211279344</origination_rate></row>
<row _id="1313"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>263</denials><originations>1059</originations><total>1322</total><denial_rate>0.1989409984871407</denial_rate><origination_rate>0.8010590015128594</origination_rate></row>
<row _id="1314"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>464</denials><originations>844</originations><total>1308</total><denial_rate>0.3547400611620795</denial_rate><origination_rate>0.6452599388379205</origination_rate></row>
<row _id="1315"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>1027</denials><originations>3216</originations><total>4243</total><denial_rate>0.2420457223662503</denial_rate><origination_rate>0.7579542776337497</origination_rate></row>
<row _id="1316"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>277</denials><originations>657</originations><total>934</total><denial_rate>0.2965738758029979</denial_rate><origination_rate>0.7034261241970021</origination_rate></row>
<row _id="1317"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>2830</denials><originations>11431</originations><total>14261</total><denial_rate>0.19844330692097328</denial_rate><origination_rate>0.8015566930790267</origination_rate></row>
<row _id="1318"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>3352</denials><originations>13357</originations><total>16709</total><denial_rate>0.20061044945837572</denial_rate><origination_rate>0.7993895505416243</origination_rate></row>
<row _id="1319"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>764</denials><originations>1977</originations><total>2741</total><denial_rate>0.27873039036847863</denial_rate><origination_rate>0.7212696096315213</origination_rate></row>
<row _id="1320"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>2818</denials><originations>11906</originations><total>14724</total><denial_rate>0.19138820972561804</denial_rate><origination_rate>0.808611790274382</origination_rate></row>
<row _id="1321"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>23</denials><originations>26</originations><total>49</total><denial_rate>0.46938775510204084</denial_rate><origination_rate>0.5306122448979592</origination_rate></row>
<row _id="1322"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>62</denials><originations>65</originations><total>127</total><denial_rate>0.4881889763779528</denial_rate><origination_rate>0.5118110236220472</origination_rate></row>
<row _id="1323"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>213</denials><originations>307</originations><total>520</total><denial_rate>0.4096153846153846</denial_rate><origination_rate>0.5903846153846154</origination_rate></row>
<row _id="1324"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>49</denials><originations>38</originations><total>87</total><denial_rate>0.5632183908045977</denial_rate><origination_rate>0.4367816091954023</origination_rate></row>
<row _id="1325"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>350</denials><originations>773</originations><total>1123</total><denial_rate>0.3116651825467498</denial_rate><origination_rate>0.6883348174532502</origination_rate></row>
<row _id="1326"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>485</denials><originations>982</originations><total>1467</total><denial_rate>0.33060668029993184</denial_rate><origination_rate>0.6693933197000682</origination_rate></row>
<row _id="1327"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>93</denials><originations>100</originations><total>193</total><denial_rate>0.48186528497409326</denial_rate><origination_rate>0.5181347150259067</origination_rate></row>
<row _id="1328"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>441</denials><originations>923</originations><total>1364</total><denial_rate>0.32331378299120234</denial_rate><origination_rate>0.6766862170087976</origination_rate></row>
<row _id="1329"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>71</denials><originations>569</originations><total>640</total><denial_rate>0.1109375</denial_rate><origination_rate>0.8890625</origination_rate></row>
<row _id="1330"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>92</denials><originations>402</originations><total>494</total><denial_rate>0.1862348178137652</denial_rate><origination_rate>0.8137651821862348</origination_rate></row>
<row _id="1331"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>215</denials><originations>1613</originations><total>1828</total><denial_rate>0.11761487964989059</denial_rate><origination_rate>0.8823851203501094</origination_rate></row>
<row _id="1332"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>101</denials><originations>365</originations><total>466</total><denial_rate>0.2167381974248927</denial_rate><origination_rate>0.7832618025751072</origination_rate></row>
<row _id="1333"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>481</denials><originations>4926</originations><total>5407</total><denial_rate>0.08895875716663584</denial_rate><origination_rate>0.9110412428333642</origination_rate></row>
<row _id="1334"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>559</denials><originations>5956</originations><total>6515</total><denial_rate>0.08580199539524175</denial_rate><origination_rate>0.9141980046047582</origination_rate></row>
<row _id="1335"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>166</denials><originations>1000</originations><total>1166</total><denial_rate>0.1423670668953688</denial_rate><origination_rate>0.8576329331046312</origination_rate></row>
<row _id="1336"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>482</denials><originations>5256</originations><total>5738</total><denial_rate>0.08400139421401186</denial_rate><origination_rate>0.9159986057859881</origination_rate></row>
<row _id="1337"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>169</denials><originations>464</originations><total>633</total><denial_rate>0.2669826224328594</denial_rate><origination_rate>0.7330173775671406</origination_rate></row>
<row _id="1338"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>310</denials><originations>377</originations><total>687</total><denial_rate>0.4512372634643377</denial_rate><origination_rate>0.5487627365356623</origination_rate></row>
<row _id="1339"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>599</denials><originations>1296</originations><total>1895</total><denial_rate>0.31609498680738785</denial_rate><origination_rate>0.6839050131926121</origination_rate></row>
<row _id="1340"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>127</denials><originations>254</originations><total>381</total><denial_rate>0.3333333333333333</denial_rate><origination_rate>0.6666666666666666</origination_rate></row>
<row _id="1341"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>1999</denials><originations>5732</originations><total>7731</total><denial_rate>0.2585693959384297</denial_rate><origination_rate>0.7414306040615704</origination_rate></row>
<row _id="1342"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>2308</denials><originations>6419</originations><total>8727</total><denial_rate>0.26446659791451815</denial_rate><origination_rate>0.7355334020854818</origination_rate></row>
<row _id="1343"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>505</denials><originations>877</originations><total>1382</total><denial_rate>0.3654124457308249</denial_rate><origination_rate>0.6345875542691751</origination_rate></row>
<row _id="1344"><year>2016</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>1895</denials><originations>5727</originations><total>7622</total><denial_rate>0.24862240881658357</denial_rate><origination_rate>0.7513775911834164</origination_rate></row>
<row _id="1345"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>197</denials><originations>809</originations><total>1006</total><denial_rate>0.19582504970178927</denial_rate><origination_rate>0.8041749502982107</origination_rate></row>
<row _id="1346"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>385</denials><originations>786</originations><total>1171</total><denial_rate>0.3287788215200683</denial_rate><origination_rate>0.6712211784799317</origination_rate></row>
<row _id="1347"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>858</denials><originations>3149</originations><total>4007</total><denial_rate>0.21412528075867232</denial_rate><origination_rate>0.7858747192413277</origination_rate></row>
<row _id="1348"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>248</denials><originations>662</originations><total>910</total><denial_rate>0.2725274725274725</denial_rate><origination_rate>0.7274725274725274</origination_rate></row>
<row _id="1349"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>2055</denials><originations>9342</originations><total>11397</total><denial_rate>0.18031060805475124</denial_rate><origination_rate>0.8196893919452487</origination_rate></row>
<row _id="1350"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>2484</denials><originations>11148</originations><total>13632</total><denial_rate>0.18221830985915494</denial_rate><origination_rate>0.8177816901408451</origination_rate></row>
<row _id="1351"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>625</denials><originations>1690</originations><total>2315</total><denial_rate>0.26997840172786175</denial_rate><origination_rate>0.7300215982721382</origination_rate></row>
<row _id="1352"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>2070</denials><originations>9959</originations><total>12029</total><denial_rate>0.17208413001912046</denial_rate><origination_rate>0.8279158699808795</origination_rate></row>
<row _id="1353"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>24</denials><originations>38</originations><total>62</total><denial_rate>0.3870967741935484</denial_rate><origination_rate>0.6129032258064516</origination_rate></row>
<row _id="1354"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>66</denials><originations>66</originations><total>132</total><denial_rate>0.5</denial_rate><origination_rate>0.5</origination_rate></row>
<row _id="1355"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>244</denials><originations>343</originations><total>587</total><denial_rate>0.41567291311754684</denial_rate><origination_rate>0.5843270868824532</origination_rate></row>
<row _id="1356"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>62</denials><originations>39</originations><total>101</total><denial_rate>0.6138613861386139</denial_rate><origination_rate>0.38613861386138615</origination_rate></row>
<row _id="1357"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>328</denials><originations>810</originations><total>1138</total><denial_rate>0.28822495606326887</denial_rate><origination_rate>0.7117750439367311</origination_rate></row>
<row _id="1358"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>485</denials><originations>1050</originations><total>1535</total><denial_rate>0.31596091205211724</denial_rate><origination_rate>0.6840390879478827</origination_rate></row>
<row _id="1359"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>103</denials><originations>120</originations><total>223</total><denial_rate>0.4618834080717489</denial_rate><origination_rate>0.5381165919282511</origination_rate></row>
<row _id="1360"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>444</denials><originations>980</originations><total>1424</total><denial_rate>0.31179775280898875</denial_rate><origination_rate>0.6882022471910112</origination_rate></row>
<row _id="1361"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>84</denials><originations>568</originations><total>652</total><denial_rate>0.12883435582822086</denial_rate><origination_rate>0.8711656441717791</origination_rate></row>
<row _id="1362"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>118</denials><originations>454</originations><total>572</total><denial_rate>0.2062937062937063</denial_rate><origination_rate>0.7937062937062938</origination_rate></row>
<row _id="1363"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>216</denials><originations>1796</originations><total>2012</total><denial_rate>0.1073558648111332</denial_rate><origination_rate>0.8926441351888668</origination_rate></row>
<row _id="1364"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>69</denials><originations>444</originations><total>513</total><denial_rate>0.13450292397660818</denial_rate><origination_rate>0.8654970760233918</origination_rate></row>
<row _id="1365"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>476</denials><originations>5133</originations><total>5609</total><denial_rate>0.0848636120520592</denial_rate><origination_rate>0.9151363879479408</origination_rate></row>
<row _id="1366"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>589</denials><originations>6120</originations><total>6709</total><denial_rate>0.08779251751378744</denial_rate><origination_rate>0.9122074824862125</origination_rate></row>
<row _id="1367"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>214</denials><originations>1061</originations><total>1275</total><denial_rate>0.16784313725490196</denial_rate><origination_rate>0.832156862745098</origination_rate></row>
<row _id="1368"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>432</denials><originations>5420</originations><total>5852</total><denial_rate>0.07382091592617908</denial_rate><origination_rate>0.9261790840738209</origination_rate></row>
<row _id="1369"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>89</denials><originations>203</originations><total>292</total><denial_rate>0.3047945205479452</denial_rate><origination_rate>0.6952054794520548</origination_rate></row>
<row _id="1370"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>201</denials><originations>266</originations><total>467</total><denial_rate>0.430406852248394</denial_rate><origination_rate>0.569593147751606</origination_rate></row>
<row _id="1371"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>398</denials><originations>1010</originations><total>1408</total><denial_rate>0.28267045454545453</denial_rate><origination_rate>0.7173295454545454</origination_rate></row>
<row _id="1372"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>117</denials><originations>179</originations><total>296</total><denial_rate>0.3952702702702703</denial_rate><origination_rate>0.6047297297297297</origination_rate></row>
<row _id="1373"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>1251</denials><originations>3399</originations><total>4650</total><denial_rate>0.26903225806451614</denial_rate><origination_rate>0.7309677419354839</origination_rate></row>
<row _id="1374"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>1410</denials><originations>3978</originations><total>5388</total><denial_rate>0.26169265033407574</denial_rate><origination_rate>0.7383073496659243</origination_rate></row>
<row _id="1375"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>308</denials><originations>509</originations><total>817</total><denial_rate>0.3769889840881273</denial_rate><origination_rate>0.6230110159118727</origination_rate></row>
<row _id="1376"><year>2017</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>1194</denials><originations>3559</originations><total>4753</total><denial_rate>0.25120976225541763</denial_rate><origination_rate>0.7487902377445824</origination_rate></row>
<row _id="1377"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>729</denials><originations>2046</originations><total>2775</total><denial_rate>0.2627027027027027</denial_rate><origination_rate>0.7372972972972973</origination_rate></row>
<row _id="1378"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>1598</denials><originations>2888</originations><total>4486</total><denial_rate>0.35621934908604547</denial_rate><origination_rate>0.6437806509139545</origination_rate></row>
<row _id="1379"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>2849</denials><originations>7265</originations><total>10114</total><denial_rate>0.2816887482697251</denial_rate><origination_rate>0.7183112517302749</origination_rate></row>
<row _id="1380"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>882</denials><originations>1977</originations><total>2859</total><denial_rate>0.30849947534102834</denial_rate><origination_rate>0.6915005246589717</origination_rate></row>
<row _id="1381"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4019</denials><originations>10158</originations><total>14177</total><denial_rate>0.28348733864710446</denial_rate><origination_rate>0.7165126613528955</origination_rate></row>
<row _id="1382"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>8221</denials><originations>25317</originations><total>33538</total><denial_rate>0.2451249329119208</denial_rate><origination_rate>0.7548750670880792</origination_rate></row>
<row _id="1383"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2493</denials><originations>5093</originations><total>7586</total><denial_rate>0.3286316899551806</denial_rate><origination_rate>0.6713683100448194</origination_rate></row>
<row _id="1384"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>6601</denials><originations>22016</originations><total>28617</total><denial_rate>0.23066708599783345</denial_rate><origination_rate>0.7693329140021665</origination_rate></row>
<row _id="1385"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>240</denials><originations>169</originations><total>409</total><denial_rate>0.58679706601467</denial_rate><origination_rate>0.4132029339853301</origination_rate></row>
<row _id="1386"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>359</denials><originations>159</originations><total>518</total><denial_rate>0.693050193050193</denial_rate><origination_rate>0.30694980694980695</origination_rate></row>
<row _id="1387"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>874</denials><originations>607</originations><total>1481</total><denial_rate>0.5901417960837272</denial_rate><origination_rate>0.4098582039162728</origination_rate></row>
<row _id="1388"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>259</denials><originations>114</originations><total>373</total><denial_rate>0.6943699731903485</denial_rate><origination_rate>0.30563002680965146</origination_rate></row>
<row _id="1389"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1082</denials><originations>805</originations><total>1887</total><denial_rate>0.5733969263381028</denial_rate><origination_rate>0.4266030736618972</origination_rate></row>
<row _id="1390"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>2353</denials><originations>2510</originations><total>4863</total><denial_rate>0.4838577010076085</denial_rate><origination_rate>0.5161422989923915</origination_rate></row>
<row _id="1391"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>664</denials><originations>346</originations><total>1010</total><denial_rate>0.6574257425742575</denial_rate><origination_rate>0.3425742574257426</origination_rate></row>
<row _id="1392"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1965</denials><originations>2303</originations><total>4268</total><denial_rate>0.46040299906279286</denial_rate><origination_rate>0.5395970009372071</origination_rate></row>
<row _id="1393"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>219</denials><originations>1465</originations><total>1684</total><denial_rate>0.13004750593824227</denial_rate><origination_rate>0.8699524940617577</origination_rate></row>
<row _id="1394"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>477</denials><originations>2089</originations><total>2566</total><denial_rate>0.18589243959469992</denial_rate><origination_rate>0.8141075604053001</origination_rate></row>
<row _id="1395"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>629</denials><originations>4848</originations><total>5477</total><denial_rate>0.11484389264195728</denial_rate><origination_rate>0.8851561073580427</origination_rate></row>
<row _id="1396"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>306</denials><originations>1538</originations><total>1844</total><denial_rate>0.16594360086767895</denial_rate><origination_rate>0.834056399132321</origination_rate></row>
<row _id="1397"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>932</denials><originations>6740</originations><total>7672</total><denial_rate>0.12148070907194995</denial_rate><origination_rate>0.87851929092805</origination_rate></row>
<row _id="1398"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1609</denials><originations>15312</originations><total>16921</total><denial_rate>0.09508894273388098</denial_rate><origination_rate>0.904911057266119</origination_rate></row>
<row _id="1399"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>718</denials><originations>3644</originations><total>4362</total><denial_rate>0.1646033929390188</denial_rate><origination_rate>0.8353966070609812</origination_rate></row>
<row _id="1400"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1178</denials><originations>13052</originations><total>14230</total><denial_rate>0.08278285312719606</denial_rate><origination_rate>0.917217146872804</origination_rate></row>
<row _id="1401"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>270</denials><originations>412</originations><total>682</total><denial_rate>0.39589442815249265</denial_rate><origination_rate>0.6041055718475073</origination_rate></row>
<row _id="1402"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>762</denials><originations>640</originations><total>1402</total><denial_rate>0.543509272467903</denial_rate><origination_rate>0.456490727532097</origination_rate></row>
<row _id="1403"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1346</denials><originations>1810</originations><total>3156</total><denial_rate>0.426489226869455</denial_rate><origination_rate>0.573510773130545</origination_rate></row>
<row _id="1404"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>317</denials><originations>325</originations><total>642</total><denial_rate>0.4937694704049844</denial_rate><origination_rate>0.5062305295950156</origination_rate></row>
<row _id="1405"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>2005</denials><originations>2613</originations><total>4618</total><denial_rate>0.4341706366392378</denial_rate><origination_rate>0.5658293633607623</origination_rate></row>
<row _id="1406"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>4259</denials><originations>7495</originations><total>11754</total><denial_rate>0.362344733707674</denial_rate><origination_rate>0.637655266292326</origination_rate></row>
<row _id="1407"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1111</denials><originations>1103</originations><total>2214</total><denial_rate>0.501806684733514</denial_rate><origination_rate>0.498193315266486</origination_rate></row>
<row _id="1408"><year>2018</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>3458</denials><originations>6661</originations><total>10119</total><denial_rate>0.3417333728629311</denial_rate><origination_rate>0.6582666271370688</origination_rate></row>
<row _id="1409"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>691</denials><originations>2537</originations><total>3228</total><denial_rate>0.2140644361833953</denial_rate><origination_rate>0.7859355638166047</origination_rate></row>
<row _id="1410"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>1676</denials><originations>3669</originations><total>5345</total><denial_rate>0.31356407857811036</denial_rate><origination_rate>0.6864359214218896</origination_rate></row>
<row _id="1411"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>2795</denials><originations>8782</originations><total>11577</total><denial_rate>0.24142696726267598</denial_rate><origination_rate>0.758573032737324</origination_rate></row>
<row _id="1412"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>867</denials><originations>2507</originations><total>3374</total><denial_rate>0.2569650266745702</denial_rate><origination_rate>0.7430349733254298</origination_rate></row>
<row _id="1413"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>3935</denials><originations>12697</originations><total>16632</total><denial_rate>0.2365921115921116</denial_rate><origination_rate>0.7634078884078884</origination_rate></row>
<row _id="1414"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>8038</denials><originations>30278</originations><total>38316</total><denial_rate>0.20978181438563526</denial_rate><origination_rate>0.7902181856143647</origination_rate></row>
<row _id="1415"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2511</denials><originations>6370</originations><total>8881</total><denial_rate>0.2827384303569418</denial_rate><origination_rate>0.7172615696430582</origination_rate></row>
<row _id="1416"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>6379</denials><originations>26257</originations><total>32636</total><denial_rate>0.19545900232871674</denial_rate><origination_rate>0.8045409976712833</origination_rate></row>
<row _id="1417"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>203</denials><originations>140</originations><total>343</total><denial_rate>0.5918367346938775</denial_rate><origination_rate>0.40816326530612246</origination_rate></row>
<row _id="1418"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>423</denials><originations>176</originations><total>599</total><denial_rate>0.7061769616026711</denial_rate><origination_rate>0.2938230383973289</origination_rate></row>
<row _id="1419"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>856</denials><originations>597</originations><total>1453</total><denial_rate>0.5891259463179629</denial_rate><origination_rate>0.41087405368203717</origination_rate></row>
<row _id="1420"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>254</denials><originations>111</originations><total>365</total><denial_rate>0.6958904109589041</denial_rate><origination_rate>0.3041095890410959</origination_rate></row>
<row _id="1421"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1130</denials><originations>819</originations><total>1949</total><denial_rate>0.5797845048742946</denial_rate><origination_rate>0.4202154951257055</origination_rate></row>
<row _id="1422"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>2365</denials><originations>2436</originations><total>4801</total><denial_rate>0.49260570714434493</denial_rate><origination_rate>0.5073942928556551</origination_rate></row>
<row _id="1423"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>683</denials><originations>337</originations><total>1020</total><denial_rate>0.6696078431372549</denial_rate><origination_rate>0.3303921568627451</origination_rate></row>
<row _id="1424"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1983</denials><originations>2234</originations><total>4217</total><denial_rate>0.470239506758359</denial_rate><origination_rate>0.529760493241641</origination_rate></row>
<row _id="1425"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>185</denials><originations>1498</originations><total>1683</total><denial_rate>0.10992275698158051</denial_rate><origination_rate>0.8900772430184195</origination_rate></row>
<row _id="1426"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>461</denials><originations>2505</originations><total>2966</total><denial_rate>0.15542818610923803</denial_rate><origination_rate>0.844571813890762</origination_rate></row>
<row _id="1427"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>633</denials><originations>5359</originations><total>5992</total><denial_rate>0.10564085447263018</denial_rate><origination_rate>0.8943591455273698</origination_rate></row>
<row _id="1428"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>303</denials><originations>1871</originations><total>2174</total><denial_rate>0.13937442502299907</denial_rate><origination_rate>0.8606255749770009</origination_rate></row>
<row _id="1429"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>869</denials><originations>7333</originations><total>8202</total><denial_rate>0.10594976834918313</denial_rate><origination_rate>0.8940502316508169</origination_rate></row>
<row _id="1430"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1558</denials><originations>16183</originations><total>17741</total><denial_rate>0.08781917592018489</denial_rate><origination_rate>0.9121808240798152</origination_rate></row>
<row _id="1431"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>676</denials><originations>4092</originations><total>4768</total><denial_rate>0.1417785234899329</denial_rate><origination_rate>0.8582214765100671</origination_rate></row>
<row _id="1432"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1152</denials><originations>13778</originations><total>14930</total><denial_rate>0.07716008037508372</denial_rate><origination_rate>0.9228399196249163</origination_rate></row>
<row _id="1433"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>303</denials><originations>899</originations><total>1202</total><denial_rate>0.25207986688851913</denial_rate><origination_rate>0.7479201331114809</origination_rate></row>
<row _id="1434"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>792</denials><originations>988</originations><total>1780</total><denial_rate>0.4449438202247191</denial_rate><origination_rate>0.5550561797752809</origination_rate></row>
<row _id="1435"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1306</denials><originations>2826</originations><total>4132</total><denial_rate>0.31606969990319456</denial_rate><origination_rate>0.6839303000968054</origination_rate></row>
<row _id="1436"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>310</denials><originations>525</originations><total>835</total><denial_rate>0.3712574850299401</denial_rate><origination_rate>0.6287425149700598</origination_rate></row>
<row _id="1437"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>1936</denials><originations>4545</originations><total>6481</total><denial_rate>0.2987193334361981</denial_rate><origination_rate>0.7012806665638018</origination_rate></row>
<row _id="1438"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>4115</denials><originations>11659</originations><total>15774</total><denial_rate>0.2608723215417776</denial_rate><origination_rate>0.7391276784582224</origination_rate></row>
<row _id="1439"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1152</denials><originations>1941</originations><total>3093</total><denial_rate>0.37245392822502427</denial_rate><origination_rate>0.6275460717749758</origination_rate></row>
<row _id="1440"><year>2019</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>3244</denials><originations>10245</originations><total>13489</total><denial_rate>0.2404922529468456</denial_rate><origination_rate>0.7595077470531544</origination_rate></row>
<row _id="1441"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>957</denials><originations>4835</originations><total>5792</total><denial_rate>0.16522790055248618</denial_rate><origination_rate>0.8347720994475138</origination_rate></row>
<row _id="1442"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>1661</denials><originations>5149</originations><total>6810</total><denial_rate>0.24390602055800295</denial_rate><origination_rate>0.7560939794419971</origination_rate></row>
<row _id="1443"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>2960</denials><originations>13299</originations><total>16259</total><denial_rate>0.18205301679070054</denial_rate><origination_rate>0.8179469832092995</origination_rate></row>
<row _id="1444"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>947</denials><originations>3541</originations><total>4488</total><denial_rate>0.21100713012477718</denial_rate><origination_rate>0.7889928698752228</origination_rate></row>
<row _id="1445"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4471</denials><originations>20647</originations><total>25118</total><denial_rate>0.1779998407516522</denial_rate><origination_rate>0.8220001592483478</origination_rate></row>
<row _id="1446"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>8823</denials><originations>49127</originations><total>57950</total><denial_rate>0.15225194132873165</denial_rate><origination_rate>0.8477480586712683</origination_rate></row>
<row _id="1447"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2736</denials><originations>10274</originations><total>13010</total><denial_rate>0.21029976940814757</denial_rate><origination_rate>0.7897002305918525</origination_rate></row>
<row _id="1448"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>6900</denials><originations>42141</originations><total>49041</total><denial_rate>0.14069859913133909</denial_rate><origination_rate>0.8593014008686609</origination_rate></row>
<row _id="1449"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>169</denials><originations>127</originations><total>296</total><denial_rate>0.5709459459459459</denial_rate><origination_rate>0.42905405405405406</origination_rate></row>
<row _id="1450"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>237</denials><originations>129</originations><total>366</total><denial_rate>0.6475409836065574</denial_rate><origination_rate>0.3524590163934426</origination_rate></row>
<row _id="1451"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>600</denials><originations>465</originations><total>1065</total><denial_rate>0.5633802816901409</denial_rate><origination_rate>0.43661971830985913</origination_rate></row>
<row _id="1452"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>170</denials><originations>71</originations><total>241</total><denial_rate>0.7053941908713693</denial_rate><origination_rate>0.2946058091286307</origination_rate></row>
<row _id="1453"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>769</denials><originations>672</originations><total>1441</total><denial_rate>0.5336571825121443</denial_rate><origination_rate>0.46634281748785567</origination_rate></row>
<row _id="1454"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>1617</denials><originations>1982</originations><total>3599</total><denial_rate>0.4492914698527369</denial_rate><origination_rate>0.5507085301472632</origination_rate></row>
<row _id="1455"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>435</denials><originations>276</originations><total>711</total><denial_rate>0.6118143459915611</denial_rate><origination_rate>0.3881856540084388</origination_rate></row>
<row _id="1456"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1359</denials><originations>1816</originations><total>3175</total><denial_rate>0.4280314960629921</denial_rate><origination_rate>0.5719685039370078</origination_rate></row>
<row _id="1457"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>228</denials><originations>1514</originations><total>1742</total><denial_rate>0.13088404133180254</denial_rate><origination_rate>0.8691159586681975</origination_rate></row>
<row _id="1458"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>538</denials><originations>2877</originations><total>3415</total><denial_rate>0.1575402635431918</denial_rate><origination_rate>0.8424597364568082</origination_rate></row>
<row _id="1459"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>684</denials><originations>6120</originations><total>6804</total><denial_rate>0.10052910052910052</denial_rate><origination_rate>0.8994708994708994</origination_rate></row>
<row _id="1460"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>343</denials><originations>2179</originations><total>2522</total><denial_rate>0.1360031720856463</denial_rate><origination_rate>0.8639968279143537</origination_rate></row>
<row _id="1461"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1002</denials><originations>8236</originations><total>9238</total><denial_rate>0.10846503572201775</denial_rate><origination_rate>0.8915349642779823</origination_rate></row>
<row _id="1462"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1688</denials><originations>17656</originations><total>19344</total><denial_rate>0.08726220016542598</denial_rate><origination_rate>0.912737799834574</origination_rate></row>
<row _id="1463"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>789</denials><originations>4523</originations><total>5312</total><denial_rate>0.14853162650602408</denial_rate><origination_rate>0.8514683734939759</origination_rate></row>
<row _id="1464"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1186</denials><originations>15054</originations><total>16240</total><denial_rate>0.07302955665024631</denial_rate><origination_rate>0.9269704433497536</origination_rate></row>
<row _id="1465"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>560</denials><originations>3194</originations><total>3754</total><denial_rate>0.14917421417155036</denial_rate><origination_rate>0.8508257858284497</origination_rate></row>
<row _id="1466"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>886</denials><originations>2143</originations><total>3029</total><denial_rate>0.2925057774843183</denial_rate><origination_rate>0.7074942225156817</origination_rate></row>
<row _id="1467"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1676</denials><originations>6714</originations><total>8390</total><denial_rate>0.199761620977354</denial_rate><origination_rate>0.800238379022646</origination_rate></row>
<row _id="1468"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>434</denials><originations>1291</originations><total>1725</total><denial_rate>0.2515942028985507</denial_rate><origination_rate>0.7484057971014493</origination_rate></row>
<row _id="1469"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>2700</denials><originations>11739</originations><total>14439</total><denial_rate>0.18699355911074175</denial_rate><origination_rate>0.8130064408892582</origination_rate></row>
<row _id="1470"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>5518</denials><originations>29489</originations><total>35007</total><denial_rate>0.15762561773359615</denial_rate><origination_rate>0.8423743822664038</origination_rate></row>
<row _id="1471"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1512</denials><originations>5475</originations><total>6987</total><denial_rate>0.21640188922284243</denial_rate><origination_rate>0.7835981107771576</origination_rate></row>
<row _id="1472"><year>2020</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>4355</denials><originations>25271</originations><total>29626</total><denial_rate>0.1469992574090326</denial_rate><origination_rate>0.8530007425909674</origination_rate></row>
<row _id="1473"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>901</denials><originations>5419</originations><total>6320</total><denial_rate>0.14256329113924052</denial_rate><origination_rate>0.8574367088607595</origination_rate></row>
<row _id="1474"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>2345</denials><originations>7127</originations><total>9472</total><denial_rate>0.24757179054054054</denial_rate><origination_rate>0.7524282094594594</origination_rate></row>
<row _id="1475"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>3772</denials><originations>16273</originations><total>20045</total><denial_rate>0.1881766026440509</denial_rate><origination_rate>0.8118233973559491</origination_rate></row>
<row _id="1476"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>1243</denials><originations>4822</originations><total>6065</total><denial_rate>0.2049464138499588</denial_rate><origination_rate>0.7950535861500412</origination_rate></row>
<row _id="1477"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4938</denials><originations>23089</originations><total>28027</total><denial_rate>0.17618724801084668</denial_rate><origination_rate>0.8238127519891533</origination_rate></row>
<row _id="1478"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>9714</denials><originations>53836</originations><total>63550</total><denial_rate>0.15285601888276948</denial_rate><origination_rate>0.8471439811172305</origination_rate></row>
<row _id="1479"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>3398</denials><originations>12915</originations><total>16313</total><denial_rate>0.20830012873168638</denial_rate><origination_rate>0.7916998712683136</origination_rate></row>
<row _id="1480"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>7336</denials><originations>44921</originations><total>52257</total><denial_rate>0.1403831065694548</denial_rate><origination_rate>0.8596168934305451</origination_rate></row>
<row _id="1481"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>151</denials><originations>145</originations><total>296</total><denial_rate>0.5101351351351351</denial_rate><origination_rate>0.48986486486486486</origination_rate></row>
<row _id="1482"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>334</denials><originations>205</originations><total>539</total><denial_rate>0.6196660482374768</denial_rate><origination_rate>0.3803339517625232</origination_rate></row>
<row _id="1483"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>698</denials><originations>581</originations><total>1279</total><denial_rate>0.54573885848319</denial_rate><origination_rate>0.45426114151681</origination_rate></row>
<row _id="1484"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>242</denials><originations>102</originations><total>344</total><denial_rate>0.7034883720930233</denial_rate><origination_rate>0.29651162790697677</origination_rate></row>
<row _id="1485"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>899</denials><originations>859</originations><total>1758</total><denial_rate>0.5113765642775882</denial_rate><origination_rate>0.48862343572241185</origination_rate></row>
<row _id="1486"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>1730</denials><originations>2322</originations><total>4052</total><denial_rate>0.4269496544916091</denial_rate><origination_rate>0.573050345508391</origination_rate></row>
<row _id="1487"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>526</denials><originations>363</originations><total>889</total><denial_rate>0.5916760404949382</denial_rate><origination_rate>0.40832395950506184</origination_rate></row>
<row _id="1488"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1446</denials><originations>2075</originations><total>3521</total><denial_rate>0.41067878443623973</denial_rate><origination_rate>0.5893212155637603</origination_rate></row>
<row _id="1489"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>231</denials><originations>2228</originations><total>2459</total><denial_rate>0.0939406262708418</denial_rate><origination_rate>0.9060593737291582</origination_rate></row>
<row _id="1490"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>673</denials><originations>3615</originations><total>4288</total><denial_rate>0.15694962686567165</denial_rate><origination_rate>0.8430503731343284</origination_rate></row>
<row _id="1491"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>828</denials><originations>6889</originations><total>7717</total><denial_rate>0.10729558118439808</denial_rate><origination_rate>0.8927044188156019</origination_rate></row>
<row _id="1492"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>361</denials><originations>2741</originations><total>3102</total><denial_rate>0.1163765312701483</denial_rate><origination_rate>0.8836234687298518</origination_rate></row>
<row _id="1493"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>899</denials><originations>8956</originations><total>9855</total><denial_rate>0.09122272957889396</denial_rate><origination_rate>0.908777270421106</origination_rate></row>
<row _id="1494"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1647</denials><originations>19016</originations><total>20663</total><denial_rate>0.07970769007404539</denial_rate><origination_rate>0.9202923099259546</origination_rate></row>
<row _id="1495"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>935</denials><originations>6003</originations><total>6938</total><denial_rate>0.13476506197751514</denial_rate><origination_rate>0.8652349380224849</origination_rate></row>
<row _id="1496"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1038</denials><originations>15338</originations><total>16376</total><denial_rate>0.06338544211040548</denial_rate><origination_rate>0.9366145578895946</origination_rate></row>
<row _id="1497"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>519</denials><originations>3046</originations><total>3565</total><denial_rate>0.1455820476858345</denial_rate><origination_rate>0.8544179523141655</origination_rate></row>
<row _id="1498"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>1338</denials><originations>3307</originations><total>4645</total><denial_rate>0.28805166846071045</denial_rate><origination_rate>0.7119483315392896</origination_rate></row>
<row _id="1499"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>2246</denials><originations>8803</originations><total>11049</total><denial_rate>0.2032763145986062</denial_rate><origination_rate>0.7967236854013938</origination_rate></row>
<row _id="1500"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>640</denials><originations>1979</originations><total>2619</total><denial_rate>0.24436807941962582</denial_rate><origination_rate>0.7556319205803742</origination_rate></row>
<row _id="1501"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>3140</denials><originations>13274</originations><total>16414</total><denial_rate>0.19130010966248326</denial_rate><origination_rate>0.8086998903375168</origination_rate></row>
<row _id="1502"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>6337</denials><originations>32498</originations><total>38835</total><denial_rate>0.16317754602806747</denial_rate><origination_rate>0.8368224539719326</origination_rate></row>
<row _id="1503"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1937</denials><originations>6549</originations><total>8486</total><denial_rate>0.22825830780108414</denial_rate><origination_rate>0.7717416921989159</origination_rate></row>
<row _id="1504"><year>2021</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>4852</denials><originations>27508</originations><total>32360</total><denial_rate>0.14993819530284302</denial_rate><origination_rate>0.850061804697157</origination_rate></row>
<row _id="1505"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>652</denials><originations>2783</originations><total>3435</total><denial_rate>0.18981077147016012</denial_rate><origination_rate>0.8101892285298399</origination_rate></row>
<row _id="1506"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>2099</denials><originations>4654</originations><total>6753</total><denial_rate>0.31082481859914113</denial_rate><origination_rate>0.6891751814008589</origination_rate></row>
<row _id="1507"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>2955</denials><originations>9244</originations><total>12199</total><denial_rate>0.24223296991556684</denial_rate><origination_rate>0.7577670300844331</origination_rate></row>
<row _id="1508"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>1189</denials><originations>3323</originations><total>4512</total><denial_rate>0.26351950354609927</denial_rate><origination_rate>0.7364804964539007</origination_rate></row>
<row _id="1509"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4151</denials><originations>12870</originations><total>17021</total><denial_rate>0.2438752129722108</denial_rate><origination_rate>0.7561247870277892</origination_rate></row>
<row _id="1510"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>7447</denials><originations>28909</originations><total>36356</total><denial_rate>0.20483551545824624</denial_rate><origination_rate>0.7951644845417538</origination_rate></row>
<row _id="1511"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2920</denials><originations>7673</originations><total>10593</total><denial_rate>0.2756537335976588</denial_rate><origination_rate>0.7243462664023411</origination_rate></row>
<row _id="1512"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>5500</denials><originations>24010</originations><total>29510</total><denial_rate>0.18637749915282956</denial_rate><origination_rate>0.8136225008471705</origination_rate></row>
<row _id="1513"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>211</denials><originations>278</originations><total>489</total><denial_rate>0.43149284253578735</denial_rate><origination_rate>0.5685071574642127</origination_rate></row>
<row _id="1514"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>530</denials><originations>359</originations><total>889</total><denial_rate>0.5961754780652418</denial_rate><origination_rate>0.40382452193475815</origination_rate></row>
<row _id="1515"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>883</denials><originations>897</originations><total>1780</total><denial_rate>0.4960674157303371</denial_rate><origination_rate>0.5039325842696629</origination_rate></row>
<row _id="1516"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>325</denials><originations>204</originations><total>529</total><denial_rate>0.6143667296786389</denial_rate><origination_rate>0.3856332703213611</origination_rate></row>
<row _id="1517"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1199</denials><originations>1478</originations><total>2677</total><denial_rate>0.4478894284646993</denial_rate><origination_rate>0.5521105715353007</origination_rate></row>
<row _id="1518"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>2319</denials><originations>3794</originations><total>6113</total><denial_rate>0.37935547194503516</denial_rate><origination_rate>0.6206445280549648</origination_rate></row>
<row _id="1519"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>791</denials><originations>659</originations><total>1450</total><denial_rate>0.5455172413793103</denial_rate><origination_rate>0.45448275862068965</origination_rate></row>
<row _id="1520"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1822</denials><originations>3340</originations><total>5162</total><denial_rate>0.352963967454475</denial_rate><origination_rate>0.647036032545525</origination_rate></row>
<row _id="1521"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>250</denials><originations>1959</originations><total>2209</total><denial_rate>0.11317338162064282</denial_rate><origination_rate>0.8868266183793572</origination_rate></row>
<row _id="1522"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>609</denials><originations>2871</originations><total>3480</total><denial_rate>0.175</denial_rate><origination_rate>0.825</origination_rate></row>
<row _id="1523"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>729</denials><originations>5310</originations><total>6039</total><denial_rate>0.12071535022354694</denial_rate><origination_rate>0.879284649776453</origination_rate></row>
<row _id="1524"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>417</denials><originations>2362</originations><total>2779</total><denial_rate>0.1500539762504498</denial_rate><origination_rate>0.8499460237495502</origination_rate></row>
<row _id="1525"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>987</denials><originations>6981</originations><total>7968</total><denial_rate>0.12387048192771084</denial_rate><origination_rate>0.8761295180722891</origination_rate></row>
<row _id="1526"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1589</denials><originations>15067</originations><total>16656</total><denial_rate>0.09540105667627281</denial_rate><origination_rate>0.9045989433237271</origination_rate></row>
<row _id="1527"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>903</denials><originations>4967</originations><total>5870</total><denial_rate>0.15383304940374787</denial_rate><origination_rate>0.8461669505962521</origination_rate></row>
<row _id="1528"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1013</denials><originations>12030</originations><total>13043</total><denial_rate>0.07766618109330675</denial_rate><origination_rate>0.9223338189066932</origination_rate></row>
<row _id="1529"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>191</denials><originations>546</originations><total>737</total><denial_rate>0.2591587516960651</denial_rate><origination_rate>0.7408412483039348</origination_rate></row>
<row _id="1530"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>960</denials><originations>1424</originations><total>2384</total><denial_rate>0.40268456375838924</denial_rate><origination_rate>0.5973154362416108</origination_rate></row>
<row _id="1531"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1343</denials><originations>3037</originations><total>4380</total><denial_rate>0.30662100456621005</denial_rate><origination_rate>0.69337899543379</origination_rate></row>
<row _id="1532"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>447</denials><originations>757</originations><total>1204</total><denial_rate>0.3712624584717608</denial_rate><origination_rate>0.6287375415282392</origination_rate></row>
<row _id="1533"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>1965</denials><originations>4411</originations><total>6376</total><denial_rate>0.30818695106649935</denial_rate><origination_rate>0.6918130489335006</origination_rate></row>
<row _id="1534"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>3539</denials><originations>10048</originations><total>13587</total><denial_rate>0.26046956649738723</denial_rate><origination_rate>0.7395304335026128</origination_rate></row>
<row _id="1535"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1226</denials><originations>2047</originations><total>3273</total><denial_rate>0.3745798961197678</denial_rate><origination_rate>0.6254201038802322</origination_rate></row>
<row _id="1536"><year>2022</year><geography>NJ Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>2665</denials><originations>8640</originations><total>11305</total><denial_rate>0.23573639982308714</denial_rate><origination_rate>0.7642636001769129</origination_rate></row>
<row _id="1537"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>408</denials><originations>1365</originations><total>1773</total><denial_rate>0.23011844331641285</denial_rate><origination_rate>0.7698815566835872</origination_rate></row>
<row _id="1538"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>1354</denials><originations>1557</originations><total>2911</total><denial_rate>0.4651322569563724</denial_rate><origination_rate>0.5348677430436276</origination_rate></row>
<row _id="1539"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>4306</denials><originations>9939</originations><total>14245</total><denial_rate>0.3022815022815023</denial_rate><origination_rate>0.6977184977184977</origination_rate></row>
<row _id="1540"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>493</denials><originations>873</originations><total>1366</total><denial_rate>0.3609077598828697</denial_rate><origination_rate>0.6390922401171303</origination_rate></row>
<row _id="1541"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>10013</denials><originations>38183</originations><total>48196</total><denial_rate>0.20775583035936593</denial_rate><origination_rate>0.792244169640634</origination_rate></row>
<row _id="1542"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>12554</denials><originations>43621</originations><total>56175</total><denial_rate>0.2234801958166444</denial_rate><origination_rate>0.7765198041833555</origination_rate></row>
<row _id="1543"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>1883</denials><originations>3137</originations><total>5020</total><denial_rate>0.3750996015936255</denial_rate><origination_rate>0.6249003984063745</origination_rate></row>
<row _id="1544"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>11143</denials><originations>39824</originations><total>50967</total><denial_rate>0.21863166362548317</denial_rate><origination_rate>0.7813683363745169</origination_rate></row>
<row _id="1545"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>105</denials><originations>167</originations><total>272</total><denial_rate>0.3860294117647059</denial_rate><origination_rate>0.6139705882352942</origination_rate></row>
<row _id="1546"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>294</denials><originations>208</originations><total>502</total><denial_rate>0.5856573705179283</denial_rate><origination_rate>0.41434262948207173</origination_rate></row>
<row _id="1547"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>875</denials><originations>1920</originations><total>2795</total><denial_rate>0.31305903398926654</denial_rate><origination_rate>0.6869409660107334</origination_rate></row>
<row _id="1548"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>99</denials><originations>126</originations><total>225</total><denial_rate>0.44</denial_rate><origination_rate>0.56</origination_rate></row>
<row _id="1549"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1978</denials><originations>6086</originations><total>8064</total><denial_rate>0.2452876984126984</denial_rate><origination_rate>0.7547123015873016</origination_rate></row>
<row _id="1550"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>2628</denials><originations>7252</originations><total>9880</total><denial_rate>0.2659919028340081</denial_rate><origination_rate>0.7340080971659919</origination_rate></row>
<row _id="1551"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>429</denials><originations>416</originations><total>845</total><denial_rate>0.5076923076923077</denial_rate><origination_rate>0.49230769230769234</origination_rate></row>
<row _id="1552"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>2321</denials><originations>6954</originations><total>9275</total><denial_rate>0.25024258760107815</denial_rate><origination_rate>0.7497574123989218</origination_rate></row>
<row _id="1553"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>87</denials><originations>820</originations><total>907</total><denial_rate>0.09592061742006615</denial_rate><origination_rate>0.9040793825799338</origination_rate></row>
<row _id="1554"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>171</denials><originations>552</originations><total>723</total><denial_rate>0.23651452282157676</denial_rate><origination_rate>0.7634854771784232</origination_rate></row>
<row _id="1555"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>386</denials><originations>3409</originations><total>3795</total><denial_rate>0.10171277997364954</denial_rate><origination_rate>0.8982872200263504</origination_rate></row>
<row _id="1556"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>87</denials><originations>395</originations><total>482</total><denial_rate>0.18049792531120332</denial_rate><origination_rate>0.8195020746887967</origination_rate></row>
<row _id="1557"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1136</denials><originations>14855</originations><total>15991</total><denial_rate>0.07103995997748734</denial_rate><origination_rate>0.9289600400225126</origination_rate></row>
<row _id="1558"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1316</denials><originations>16892</originations><total>18208</total><denial_rate>0.07227592267135326</denial_rate><origination_rate>0.9277240773286467</origination_rate></row>
<row _id="1559"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>268</denials><originations>1441</originations><total>1709</total><denial_rate>0.15681685196021064</denial_rate><origination_rate>0.8431831480397893</origination_rate></row>
<row _id="1560"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1121</denials><originations>14465</originations><total>15586</total><denial_rate>0.07192352110868729</denial_rate><origination_rate>0.9280764788913127</origination_rate></row>
<row _id="1561"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>216</denials><originations>378</originations><total>594</total><denial_rate>0.36363636363636365</denial_rate><origination_rate>0.6363636363636364</origination_rate></row>
<row _id="1562"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>889</denials><originations>797</originations><total>1686</total><denial_rate>0.5272835112692764</denial_rate><origination_rate>0.4727164887307236</origination_rate></row>
<row _id="1563"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>3045</denials><originations>4610</originations><total>7655</total><denial_rate>0.39777922926192033</denial_rate><origination_rate>0.6022207707380797</origination_rate></row>
<row _id="1564"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>307</denials><originations>352</originations><total>659</total><denial_rate>0.4658573596358118</denial_rate><origination_rate>0.5341426403641881</origination_rate></row>
<row _id="1565"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>6899</denials><originations>17242</originations><total>24141</total><denial_rate>0.2857793794788948</denial_rate><origination_rate>0.7142206205211051</origination_rate></row>
<row _id="1566"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>8610</denials><originations>19477</originations><total>28087</total><denial_rate>0.3065475130843451</denial_rate><origination_rate>0.693452486915655</origination_rate></row>
<row _id="1567"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1186</denials><originations>1280</originations><total>2466</total><denial_rate>0.48094079480940793</denial_rate><origination_rate>0.519059205190592</origination_rate></row>
<row _id="1568"><year>2007</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>7701</denials><originations>18405</originations><total>26106</total><denial_rate>0.2949896575499885</denial_rate><origination_rate>0.7050103424500115</origination_rate></row>
<row _id="1569"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>420</denials><originations>1311</originations><total>1731</total><denial_rate>0.24263431542461006</denial_rate><origination_rate>0.75736568457539</origination_rate></row>
<row _id="1570"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>1068</denials><originations>1085</originations><total>2153</total><denial_rate>0.49605202043660007</denial_rate><origination_rate>0.5039479795633999</origination_rate></row>
<row _id="1571"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>3876</denials><originations>7583</originations><total>11459</total><denial_rate>0.3382494109433633</denial_rate><origination_rate>0.6617505890566368</origination_rate></row>
<row _id="1572"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>360</denials><originations>675</originations><total>1035</total><denial_rate>0.34782608695652173</denial_rate><origination_rate>0.6521739130434783</origination_rate></row>
<row _id="1573"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>8777</denials><originations>31336</originations><total>40113</total><denial_rate>0.2188068705905816</denial_rate><origination_rate>0.7811931294094184</origination_rate></row>
<row _id="1574"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>11606</denials><originations>35373</originations><total>46979</total><denial_rate>0.2470465527150429</denial_rate><origination_rate>0.7529534472849571</origination_rate></row>
<row _id="1575"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>1602</denials><originations>2605</originations><total>4207</total><denial_rate>0.3807939149037319</denial_rate><origination_rate>0.6192060850962682</origination_rate></row>
<row _id="1576"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>10344</denials><originations>33473</originations><total>43817</total><denial_rate>0.23607275714905174</denial_rate><origination_rate>0.7639272428509483</origination_rate></row>
<row _id="1577"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>73</denials><originations>99</originations><total>172</total><denial_rate>0.42441860465116277</denial_rate><origination_rate>0.5755813953488372</origination_rate></row>
<row _id="1578"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>145</denials><originations>103</originations><total>248</total><denial_rate>0.5846774193548387</denial_rate><origination_rate>0.4153225806451613</origination_rate></row>
<row _id="1579"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>638</denials><originations>996</originations><total>1634</total><denial_rate>0.390452876376989</denial_rate><origination_rate>0.609547123623011</origination_rate></row>
<row _id="1580"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>61</denials><originations>50</originations><total>111</total><denial_rate>0.5495495495495496</denial_rate><origination_rate>0.45045045045045046</origination_rate></row>
<row _id="1581"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1304</denials><originations>3621</originations><total>4925</total><denial_rate>0.2647715736040609</denial_rate><origination_rate>0.7352284263959391</origination_rate></row>
<row _id="1582"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>1785</denials><originations>4173</originations><total>5958</total><denial_rate>0.29959718026183285</denial_rate><origination_rate>0.7004028197381672</origination_rate></row>
<row _id="1583"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>232</denials><originations>224</originations><total>456</total><denial_rate>0.5087719298245614</denial_rate><origination_rate>0.49122807017543857</origination_rate></row>
<row _id="1584"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>1627</denials><originations>4038</originations><total>5665</total><denial_rate>0.2872021182700794</denial_rate><origination_rate>0.7127978817299205</origination_rate></row>
<row _id="1585"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>105</denials><originations>716</originations><total>821</total><denial_rate>0.1278928136419001</denial_rate><origination_rate>0.8721071863580999</origination_rate></row>
<row _id="1586"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>74</denials><originations>445</originations><total>519</total><denial_rate>0.14258188824662812</denial_rate><origination_rate>0.8574181117533719</origination_rate></row>
<row _id="1587"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>291</denials><originations>2681</originations><total>2972</total><denial_rate>0.09791386271870794</denial_rate><origination_rate>0.902086137281292</origination_rate></row>
<row _id="1588"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>45</denials><originations>304</originations><total>349</total><denial_rate>0.12893982808022922</denial_rate><origination_rate>0.8710601719197708</origination_rate></row>
<row _id="1589"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>978</denials><originations>11449</originations><total>12427</total><denial_rate>0.07869960569727207</denial_rate><origination_rate>0.9213003943027279</origination_rate></row>
<row _id="1590"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1142</denials><originations>13115</originations><total>14257</total><denial_rate>0.08010100301606228</denial_rate><origination_rate>0.9198989969839377</origination_rate></row>
<row _id="1591"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>200</denials><originations>1230</originations><total>1430</total><denial_rate>0.13986013986013987</denial_rate><origination_rate>0.8601398601398601</origination_rate></row>
<row _id="1592"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>990</denials><originations>12140</originations><total>13130</total><denial_rate>0.0753998476770754</denial_rate><origination_rate>0.9246001523229246</origination_rate></row>
<row _id="1593"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>242</denials><originations>496</originations><total>738</total><denial_rate>0.32791327913279134</denial_rate><origination_rate>0.6720867208672087</origination_rate></row>
<row _id="1594"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>849</denials><originations>537</originations><total>1386</total><denial_rate>0.6125541125541125</denial_rate><origination_rate>0.3874458874458874</origination_rate></row>
<row _id="1595"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>2947</denials><originations>3906</originations><total>6853</total><denial_rate>0.43003064351378956</denial_rate><origination_rate>0.5699693564862104</origination_rate></row>
<row _id="1596"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>254</denials><originations>321</originations><total>575</total><denial_rate>0.44173913043478263</denial_rate><origination_rate>0.5582608695652174</origination_rate></row>
<row _id="1597"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>6495</denials><originations>16266</originations><total>22761</total><denial_rate>0.28535653090813234</denial_rate><origination_rate>0.7146434690918677</origination_rate></row>
<row _id="1598"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>8679</denials><originations>18085</originations><total>26764</total><denial_rate>0.3242788820804065</denial_rate><origination_rate>0.6757211179195934</origination_rate></row>
<row _id="1599"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1170</denials><originations>1151</originations><total>2321</total><denial_rate>0.5040930633347694</denial_rate><origination_rate>0.4959069366652305</origination_rate></row>
<row _id="1600"><year>2008</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>7727</denials><originations>17295</originations><total>25022</total><denial_rate>0.30880824874110785</denial_rate><origination_rate>0.6911917512588922</origination_rate></row>
<row _id="1601"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>522</denials><originations>2242</originations><total>2764</total><denial_rate>0.18885672937771347</denial_rate><origination_rate>0.8111432706222865</origination_rate></row>
<row _id="1602"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>565</denials><originations>958</originations><total>1523</total><denial_rate>0.37097833223900195</denial_rate><origination_rate>0.629021667760998</origination_rate></row>
<row _id="1603"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>2875</denials><originations>9845</originations><total>12720</total><denial_rate>0.22602201257861634</denial_rate><origination_rate>0.7739779874213837</origination_rate></row>
<row _id="1604"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>230</denials><originations>776</originations><total>1006</total><denial_rate>0.2286282306163022</denial_rate><origination_rate>0.7713717693836978</origination_rate></row>
<row _id="1605"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>8587</denials><originations>47778</originations><total>56365</total><denial_rate>0.15234631420207576</denial_rate><origination_rate>0.8476536857979242</origination_rate></row>
<row _id="1606"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>10269</denials><originations>52849</originations><total>63118</total><denial_rate>0.16269526917836433</denial_rate><origination_rate>0.8373047308216357</origination_rate></row>
<row _id="1607"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>1157</denials><originations>3470</originations><total>4627</total><denial_rate>0.2500540306894316</denial_rate><origination_rate>0.7499459693105684</origination_rate></row>
<row _id="1608"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>9394</denials><originations>50268</originations><total>59662</total><denial_rate>0.1574536555931749</denial_rate><origination_rate>0.8425463444068251</origination_rate></row>
<row _id="1609"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>37</denials><originations>72</originations><total>109</total><denial_rate>0.3394495412844037</denial_rate><origination_rate>0.6605504587155964</origination_rate></row>
<row _id="1610"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>52</denials><originations>37</originations><total>89</total><denial_rate>0.5842696629213483</denial_rate><origination_rate>0.4157303370786517</origination_rate></row>
<row _id="1611"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>336</denials><originations>629</originations><total>965</total><denial_rate>0.34818652849740933</denial_rate><origination_rate>0.6518134715025907</origination_rate></row>
<row _id="1612"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>22</denials><originations>34</originations><total>56</total><denial_rate>0.39285714285714285</denial_rate><origination_rate>0.6071428571428571</origination_rate></row>
<row _id="1613"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>683</denials><originations>2460</originations><total>3143</total><denial_rate>0.21730830416799238</denial_rate><origination_rate>0.7826916958320076</origination_rate></row>
<row _id="1614"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>900</denials><originations>2732</originations><total>3632</total><denial_rate>0.24779735682819384</denial_rate><origination_rate>0.7522026431718062</origination_rate></row>
<row _id="1615"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>98</denials><originations>119</originations><total>217</total><denial_rate>0.45161290322580644</denial_rate><origination_rate>0.5483870967741935</origination_rate></row>
<row _id="1616"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>827</denials><originations>2669</originations><total>3496</total><denial_rate>0.23655606407322655</denial_rate><origination_rate>0.7634439359267735</origination_rate></row>
<row _id="1617"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>96</denials><originations>549</originations><total>645</total><denial_rate>0.14883720930232558</denial_rate><origination_rate>0.8511627906976744</origination_rate></row>
<row _id="1618"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>67</denials><originations>264</originations><total>331</total><denial_rate>0.20241691842900303</denial_rate><origination_rate>0.797583081570997</origination_rate></row>
<row _id="1619"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>266</denials><originations>2444</originations><total>2710</total><denial_rate>0.0981549815498155</denial_rate><origination_rate>0.9018450184501845</origination_rate></row>
<row _id="1620"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>38</denials><originations>228</originations><total>266</total><denial_rate>0.14285714285714285</denial_rate><origination_rate>0.8571428571428571</origination_rate></row>
<row _id="1621"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>798</denials><originations>9204</originations><total>10002</total><denial_rate>0.07978404319136173</denial_rate><origination_rate>0.9202159568086383</origination_rate></row>
<row _id="1622"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>937</denials><originations>10717</originations><total>11654</total><denial_rate>0.0804015788570448</denial_rate><origination_rate>0.9195984211429552</origination_rate></row>
<row _id="1623"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>170</denials><originations>913</originations><total>1083</total><denial_rate>0.1569713758079409</denial_rate><origination_rate>0.8430286241920592</origination_rate></row>
<row _id="1624"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>809</denials><originations>10005</originations><total>10814</total><denial_rate>0.07481043092287776</denial_rate><origination_rate>0.9251895690771222</origination_rate></row>
<row _id="1625"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>389</denials><originations>1621</originations><total>2010</total><denial_rate>0.1935323383084577</denial_rate><origination_rate>0.8064676616915423</origination_rate></row>
<row _id="1626"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>446</denials><originations>657</originations><total>1103</total><denial_rate>0.4043517679057117</denial_rate><origination_rate>0.5956482320942883</origination_rate></row>
<row _id="1627"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>2273</denials><originations>6772</originations><total>9045</total><denial_rate>0.2512990602542841</denial_rate><origination_rate>0.7487009397457158</origination_rate></row>
<row _id="1628"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>170</denials><originations>514</originations><total>684</total><denial_rate>0.24853801169590642</denial_rate><origination_rate>0.7514619883040936</origination_rate></row>
<row _id="1629"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>7106</denials><originations>36114</originations><total>43220</total><denial_rate>0.16441462285978714</denial_rate><origination_rate>0.8355853771402129</origination_rate></row>
<row _id="1630"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>8432</denials><originations>39400</originations><total>47832</total><denial_rate>0.17628365947482857</denial_rate><origination_rate>0.8237163405251714</origination_rate></row>
<row _id="1631"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>889</denials><originations>2438</originations><total>3327</total><denial_rate>0.26720769461977756</denial_rate><origination_rate>0.7327923053802224</origination_rate></row>
<row _id="1632"><year>2009</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>7758</denials><originations>37594</originations><total>45352</total><denial_rate>0.1710619156817781</denial_rate><origination_rate>0.8289380843182219</origination_rate></row>
<row _id="1633"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>512</denials><originations>2334</originations><total>2846</total><denial_rate>0.17990161630358398</denial_rate><origination_rate>0.8200983836964161</origination_rate></row>
<row _id="1634"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>410</denials><originations>871</originations><total>1281</total><denial_rate>0.3200624512099922</denial_rate><origination_rate>0.6799375487900078</origination_rate></row>
<row _id="1635"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>2313</denials><originations>8591</originations><total>10904</total><denial_rate>0.21212399119589143</denial_rate><origination_rate>0.7878760088041086</origination_rate></row>
<row _id="1636"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>207</denials><originations>674</originations><total>881</total><denial_rate>0.23496027241770714</denial_rate><origination_rate>0.7650397275822929</origination_rate></row>
<row _id="1637"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>8184</denials><originations>43357</originations><total>51541</total><denial_rate>0.15878620903746532</denial_rate><origination_rate>0.8412137909625347</origination_rate></row>
<row _id="1638"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>9531</denials><originations>48296</originations><total>57827</total><denial_rate>0.16481920210282394</denial_rate><origination_rate>0.835180797897176</origination_rate></row>
<row _id="1639"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>971</denials><originations>3357</originations><total>4328</total><denial_rate>0.22435304990757857</denial_rate><origination_rate>0.7756469500924215</origination_rate></row>
<row _id="1640"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>8789</denials><originations>45639</originations><total>54428</total><denial_rate>0.1614793856103476</denial_rate><origination_rate>0.8385206143896524</origination_rate></row>
<row _id="1641"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>43</denials><originations>45</originations><total>88</total><denial_rate>0.48863636363636365</denial_rate><origination_rate>0.5113636363636364</origination_rate></row>
<row _id="1642"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>62</denials><originations>47</originations><total>109</total><denial_rate>0.5688073394495413</denial_rate><origination_rate>0.43119266055045874</origination_rate></row>
<row _id="1643"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>324</denials><originations>621</originations><total>945</total><denial_rate>0.34285714285714286</denial_rate><origination_rate>0.6571428571428571</origination_rate></row>
<row _id="1644"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>31</denials><originations>28</originations><total>59</total><denial_rate>0.5254237288135594</denial_rate><origination_rate>0.4745762711864407</origination_rate></row>
<row _id="1645"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>689</denials><originations>2236</originations><total>2925</total><denial_rate>0.23555555555555555</denial_rate><origination_rate>0.7644444444444445</origination_rate></row>
<row _id="1646"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>905</denials><originations>2582</originations><total>3487</total><denial_rate>0.2595354172641239</denial_rate><origination_rate>0.7404645827358761</origination_rate></row>
<row _id="1647"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>113</denials><originations>104</originations><total>217</total><denial_rate>0.5207373271889401</denial_rate><origination_rate>0.4792626728110599</origination_rate></row>
<row _id="1648"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>832</denials><originations>2524</originations><total>3356</total><denial_rate>0.24791418355184744</denial_rate><origination_rate>0.7520858164481525</origination_rate></row>
<row _id="1649"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>83</denials><originations>639</originations><total>722</total><denial_rate>0.1149584487534626</denial_rate><origination_rate>0.8850415512465374</origination_rate></row>
<row _id="1650"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>51</denials><originations>299</originations><total>350</total><denial_rate>0.1457142857142857</denial_rate><origination_rate>0.8542857142857143</origination_rate></row>
<row _id="1651"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>252</denials><originations>1932</originations><total>2184</total><denial_rate>0.11538461538461539</denial_rate><origination_rate>0.8846153846153846</origination_rate></row>
<row _id="1652"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>36</denials><originations>194</originations><total>230</total><denial_rate>0.1565217391304348</denial_rate><origination_rate>0.8434782608695652</origination_rate></row>
<row _id="1653"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>830</denials><originations>8381</originations><total>9211</total><denial_rate>0.09010965150363695</denial_rate><origination_rate>0.9098903484963631</origination_rate></row>
<row _id="1654"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>972</denials><originations>9650</originations><total>10622</total><denial_rate>0.09150819054791941</denial_rate><origination_rate>0.9084918094520806</origination_rate></row>
<row _id="1655"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>139</denials><originations>974</originations><total>1113</total><denial_rate>0.12488769092542677</denial_rate><origination_rate>0.8751123090745733</origination_rate></row>
<row _id="1656"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>861</denials><originations>8842</originations><total>9703</total><denial_rate>0.08873544264660414</denial_rate><origination_rate>0.9112645573533958</origination_rate></row>
<row _id="1657"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>386</denials><originations>1650</originations><total>2036</total><denial_rate>0.18958742632612965</denial_rate><origination_rate>0.8104125736738703</origination_rate></row>
<row _id="1658"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>297</denials><originations>525</originations><total>822</total><denial_rate>0.3613138686131387</denial_rate><origination_rate>0.6386861313868614</origination_rate></row>
<row _id="1659"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1737</denials><originations>6038</originations><total>7775</total><denial_rate>0.22340836012861737</denial_rate><origination_rate>0.7765916398713827</origination_rate></row>
<row _id="1660"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>140</denials><originations>452</originations><total>592</total><denial_rate>0.23648648648648649</denial_rate><origination_rate>0.7635135135135135</origination_rate></row>
<row _id="1661"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>6665</denials><originations>32740</originations><total>39405</total><denial_rate>0.16914097195787337</denial_rate><origination_rate>0.8308590280421266</origination_rate></row>
<row _id="1662"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>7654</denials><originations>36064</originations><total>43718</total><denial_rate>0.1750766274760968</denial_rate><origination_rate>0.8249233725239032</origination_rate></row>
<row _id="1663"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>719</denials><originations>2279</originations><total>2998</total><denial_rate>0.23982655103402267</denial_rate><origination_rate>0.7601734489659773</origination_rate></row>
<row _id="1664"><year>2010</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>7096</denials><originations>34273</originations><total>41369</total><denial_rate>0.1715294060770142</denial_rate><origination_rate>0.8284705939229858</origination_rate></row>
<row _id="1665"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>503</denials><originations>2002</originations><total>2505</total><denial_rate>0.20079840319361278</denial_rate><origination_rate>0.7992015968063872</origination_rate></row>
<row _id="1666"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>385</denials><originations>747</originations><total>1132</total><denial_rate>0.3401060070671378</denial_rate><origination_rate>0.6598939929328622</origination_rate></row>
<row _id="1667"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>2083</denials><originations>7701</originations><total>9784</total><denial_rate>0.21289860997547017</denial_rate><origination_rate>0.7871013900245298</origination_rate></row>
<row _id="1668"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>187</denials><originations>622</originations><total>809</total><denial_rate>0.2311495673671199</denial_rate><origination_rate>0.7688504326328801</origination_rate></row>
<row _id="1669"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>7670</denials><originations>37396</originations><total>45066</total><denial_rate>0.17019482536723915</denial_rate><origination_rate>0.8298051746327608</origination_rate></row>
<row _id="1670"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>8926</denials><originations>42163</originations><total>51089</total><denial_rate>0.17471471353911802</denial_rate><origination_rate>0.825285286460882</origination_rate></row>
<row _id="1671"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>959</denials><originations>2877</originations><total>3836</total><denial_rate>0.25</denial_rate><origination_rate>0.75</origination_rate></row>
<row _id="1672"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>8137</denials><originations>39925</originations><total>48062</total><denial_rate>0.16930215138779078</denial_rate><origination_rate>0.8306978486122092</origination_rate></row>
<row _id="1673"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>42</denials><originations>55</originations><total>97</total><denial_rate>0.4329896907216495</denial_rate><origination_rate>0.5670103092783505</origination_rate></row>
<row _id="1674"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>55</denials><originations>42</originations><total>97</total><denial_rate>0.5670103092783505</denial_rate><origination_rate>0.4329896907216495</origination_rate></row>
<row _id="1675"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>311</denials><originations>571</originations><total>882</total><denial_rate>0.3526077097505669</denial_rate><origination_rate>0.6473922902494331</origination_rate></row>
<row _id="1676"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>27</denials><originations>39</originations><total>66</total><denial_rate>0.4090909090909091</denial_rate><origination_rate>0.5909090909090909</origination_rate></row>
<row _id="1677"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>657</denials><originations>1861</originations><total>2518</total><denial_rate>0.26092136616362194</denial_rate><origination_rate>0.7390786338363781</origination_rate></row>
<row _id="1678"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>862</denials><originations>2234</originations><total>3096</total><denial_rate>0.2784237726098191</denial_rate><origination_rate>0.7215762273901809</origination_rate></row>
<row _id="1679"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>111</denials><originations>105</originations><total>216</total><denial_rate>0.5138888888888888</denial_rate><origination_rate>0.4861111111111111</origination_rate></row>
<row _id="1680"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>807</denials><originations>2181</originations><total>2988</total><denial_rate>0.2700803212851406</denial_rate><origination_rate>0.7299196787148594</origination_rate></row>
<row _id="1681"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>89</denials><originations>558</originations><total>647</total><denial_rate>0.1375579598145286</denial_rate><origination_rate>0.8624420401854714</origination_rate></row>
<row _id="1682"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>55</denials><originations>213</originations><total>268</total><denial_rate>0.20522388059701493</denial_rate><origination_rate>0.7947761194029851</origination_rate></row>
<row _id="1683"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>255</denials><originations>1810</originations><total>2065</total><denial_rate>0.1234866828087167</denial_rate><origination_rate>0.8765133171912833</origination_rate></row>
<row _id="1684"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>26</denials><originations>180</originations><total>206</total><denial_rate>0.1262135922330097</denial_rate><origination_rate>0.8737864077669902</origination_rate></row>
<row _id="1685"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>889</denials><originations>7743</originations><total>8632</total><denial_rate>0.10298887859128823</denial_rate><origination_rate>0.8970111214087118</origination_rate></row>
<row _id="1686"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1033</denials><originations>8881</originations><total>9914</total><denial_rate>0.1041960863425459</denial_rate><origination_rate>0.8958039136574542</origination_rate></row>
<row _id="1687"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>151</denials><originations>797</originations><total>948</total><denial_rate>0.15928270042194093</denial_rate><origination_rate>0.8407172995780591</origination_rate></row>
<row _id="1688"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>905</denials><originations>8270</originations><total>9175</total><denial_rate>0.09863760217983651</denial_rate><origination_rate>0.9013623978201635</origination_rate></row>
<row _id="1689"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>372</denials><originations>1389</originations><total>1761</total><denial_rate>0.21124361158432708</denial_rate><origination_rate>0.7887563884156729</origination_rate></row>
<row _id="1690"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>275</denials><originations>492</originations><total>767</total><denial_rate>0.35853976531942633</denial_rate><origination_rate>0.6414602346805737</origination_rate></row>
<row _id="1691"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1517</denials><originations>5320</originations><total>6837</total><denial_rate>0.22188094193359661</denial_rate><origination_rate>0.7781190580664034</origination_rate></row>
<row _id="1692"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>134</denials><originations>403</originations><total>537</total><denial_rate>0.24953445065176907</denial_rate><origination_rate>0.750465549348231</origination_rate></row>
<row _id="1693"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>6124</denials><originations>27792</originations><total>33916</total><denial_rate>0.1805637457247317</denial_rate><origination_rate>0.8194362542752683</origination_rate></row>
<row _id="1694"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>7031</denials><originations>31048</originations><total>38079</total><denial_rate>0.18464245384595185</denial_rate><origination_rate>0.8153575461540482</origination_rate></row>
<row _id="1695"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>697</denials><originations>1975</originations><total>2672</total><denial_rate>0.26085329341317365</denial_rate><origination_rate>0.7391467065868264</origination_rate></row>
<row _id="1696"><year>2011</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>6425</denials><originations>29474</originations><total>35899</total><denial_rate>0.17897434468926712</denial_rate><origination_rate>0.8210256553107329</origination_rate></row>
<row _id="1697"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>619</denials><originations>2604</originations><total>3223</total><denial_rate>0.19205708966801116</denial_rate><origination_rate>0.8079429103319888</origination_rate></row>
<row _id="1698"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>467</denials><originations>981</originations><total>1448</total><denial_rate>0.32251381215469616</denial_rate><origination_rate>0.6774861878453039</origination_rate></row>
<row _id="1699"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>2471</denials><originations>9841</originations><total>12312</total><denial_rate>0.20069850552306692</denial_rate><origination_rate>0.7993014944769331</origination_rate></row>
<row _id="1700"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>233</denials><originations>789</originations><total>1022</total><denial_rate>0.22798434442270057</denial_rate><origination_rate>0.7720156555772995</origination_rate></row>
<row _id="1701"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>9012</denials><originations>48037</originations><total>57049</total><denial_rate>0.15796946484600957</denial_rate><origination_rate>0.8420305351539904</origination_rate></row>
<row _id="1702"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>10453</denials><originations>54311</originations><total>64764</total><denial_rate>0.1614013958371935</denial_rate><origination_rate>0.8385986041628065</origination_rate></row>
<row _id="1703"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>1146</denials><originations>3742</originations><total>4888</total><denial_rate>0.23445171849427168</denial_rate><origination_rate>0.7655482815057283</origination_rate></row>
<row _id="1704"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>9549</denials><originations>51413</originations><total>60962</total><denial_rate>0.15663856172697746</denial_rate><origination_rate>0.8433614382730226</origination_rate></row>
<row _id="1705"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>34</denials><originations>48</originations><total>82</total><denial_rate>0.4146341463414634</denial_rate><origination_rate>0.5853658536585366</origination_rate></row>
<row _id="1706"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>71</denials><originations>48</originations><total>119</total><denial_rate>0.5966386554621849</denial_rate><origination_rate>0.40336134453781514</origination_rate></row>
<row _id="1707"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>329</denials><originations>595</originations><total>924</total><denial_rate>0.3560606060606061</denial_rate><origination_rate>0.6439393939393939</origination_rate></row>
<row _id="1708"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>20</denials><originations>33</originations><total>53</total><denial_rate>0.37735849056603776</denial_rate><origination_rate>0.6226415094339622</origination_rate></row>
<row _id="1709"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>671</denials><originations>2051</originations><total>2722</total><denial_rate>0.24650991917707568</denial_rate><origination_rate>0.7534900808229243</origination_rate></row>
<row _id="1710"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>910</denials><originations>2442</originations><total>3352</total><denial_rate>0.2714797136038186</denial_rate><origination_rate>0.7285202863961814</origination_rate></row>
<row _id="1711"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>114</denials><originations>108</originations><total>222</total><denial_rate>0.5135135135135135</denial_rate><origination_rate>0.4864864864864865</origination_rate></row>
<row _id="1712"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>833</denials><originations>2396</originations><total>3229</total><denial_rate>0.2579746051409105</denial_rate><origination_rate>0.7420253948590895</origination_rate></row>
<row _id="1713"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>96</denials><originations>638</originations><total>734</total><denial_rate>0.1307901907356948</denial_rate><origination_rate>0.8692098092643051</origination_rate></row>
<row _id="1714"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>73</denials><originations>225</originations><total>298</total><denial_rate>0.24496644295302014</denial_rate><origination_rate>0.7550335570469798</origination_rate></row>
<row _id="1715"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>344</denials><originations>2192</originations><total>2536</total><denial_rate>0.13564668769716087</denial_rate><origination_rate>0.8643533123028391</origination_rate></row>
<row _id="1716"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>40</denials><originations>201</originations><total>241</total><denial_rate>0.16597510373443983</denial_rate><origination_rate>0.8340248962655602</origination_rate></row>
<row _id="1717"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>974</denials><originations>8750</originations><total>9724</total><denial_rate>0.10016454134101192</denial_rate><origination_rate>0.8998354586589881</origination_rate></row>
<row _id="1718"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1146</denials><originations>10222</originations><total>11368</total><denial_rate>0.10080928923293456</denial_rate><origination_rate>0.8991907107670655</origination_rate></row>
<row _id="1719"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>176</denials><originations>893</originations><total>1069</total><denial_rate>0.1646398503274088</denial_rate><origination_rate>0.8353601496725912</origination_rate></row>
<row _id="1720"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1007</denials><originations>9516</originations><total>10523</total><denial_rate>0.09569514397035066</denial_rate><origination_rate>0.9043048560296494</origination_rate></row>
<row _id="1721"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>489</denials><originations>1918</originations><total>2407</total><denial_rate>0.20315745741587038</denial_rate><origination_rate>0.7968425425841297</origination_rate></row>
<row _id="1722"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>323</denials><originations>708</originations><total>1031</total><denial_rate>0.31328806983511154</denial_rate><origination_rate>0.6867119301648884</origination_rate></row>
<row _id="1723"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1798</denials><originations>7054</originations><total>8852</total><denial_rate>0.20311793944871215</denial_rate><origination_rate>0.7968820605512879</origination_rate></row>
<row _id="1724"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>173</denials><originations>555</originations><total>728</total><denial_rate>0.23763736263736263</denial_rate><origination_rate>0.7623626373626373</origination_rate></row>
<row _id="1725"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>7367</denials><originations>37236</originations><total>44603</total><denial_rate>0.16516826222451406</denial_rate><origination_rate>0.8348317377754859</origination_rate></row>
<row _id="1726"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>8397</denials><originations>41647</originations><total>50044</total><denial_rate>0.16779234273839022</denial_rate><origination_rate>0.8322076572616098</origination_rate></row>
<row _id="1727"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>856</denials><originations>2741</originations><total>3597</total><denial_rate>0.23797609118710036</denial_rate><origination_rate>0.7620239088128996</origination_rate></row>
<row _id="1728"><year>2012</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>7709</denials><originations>39501</originations><total>47210</total><denial_rate>0.16329167549248041</denial_rate><origination_rate>0.8367083245075196</origination_rate></row>
<row _id="1729"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>493</denials><originations>1996</originations><total>2489</total><denial_rate>0.1980715146645239</denial_rate><origination_rate>0.8019284853354761</origination_rate></row>
<row _id="1730"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>450</denials><originations>890</originations><total>1340</total><denial_rate>0.3358208955223881</denial_rate><origination_rate>0.664179104477612</origination_rate></row>
<row _id="1731"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>2080</denials><originations>8097</originations><total>10177</total><denial_rate>0.20438243097179914</denial_rate><origination_rate>0.7956175690282008</origination_rate></row>
<row _id="1732"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>257</denials><originations>742</originations><total>999</total><denial_rate>0.25725725725725723</denial_rate><origination_rate>0.7427427427427428</origination_rate></row>
<row _id="1733"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>7106</denials><originations>36244</originations><total>43350</total><denial_rate>0.16392156862745097</denial_rate><origination_rate>0.836078431372549</origination_rate></row>
<row _id="1734"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>8347</denials><originations>41513</originations><total>49860</total><denial_rate>0.16740874448455675</denial_rate><origination_rate>0.8325912555154432</origination_rate></row>
<row _id="1735"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>998</denials><originations>3011</originations><total>4009</total><denial_rate>0.24893988525816912</denial_rate><origination_rate>0.7510601147418309</origination_rate></row>
<row _id="1736"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>7580</denials><originations>39328</originations><total>46908</total><denial_rate>0.16159290526136266</denial_rate><origination_rate>0.8384070947386373</origination_rate></row>
<row _id="1737"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>45</denials><originations>47</originations><total>92</total><denial_rate>0.4891304347826087</denial_rate><origination_rate>0.5108695652173914</origination_rate></row>
<row _id="1738"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>61</denials><originations>52</originations><total>113</total><denial_rate>0.5398230088495575</denial_rate><origination_rate>0.46017699115044247</origination_rate></row>
<row _id="1739"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>338</denials><originations>651</originations><total>989</total><denial_rate>0.3417593528816987</denial_rate><origination_rate>0.6582406471183013</origination_rate></row>
<row _id="1740"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>27</denials><originations>43</originations><total>70</total><denial_rate>0.38571428571428573</denial_rate><origination_rate>0.6142857142857143</origination_rate></row>
<row _id="1741"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>614</denials><originations>1941</originations><total>2555</total><denial_rate>0.24031311154598825</denial_rate><origination_rate>0.7596868884540118</origination_rate></row>
<row _id="1742"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>877</denials><originations>2407</originations><total>3284</total><denial_rate>0.26705237515225333</denial_rate><origination_rate>0.7329476248477467</origination_rate></row>
<row _id="1743"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>113</denials><originations>106</originations><total>219</total><denial_rate>0.5159817351598174</denial_rate><origination_rate>0.4840182648401826</origination_rate></row>
<row _id="1744"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>804</denials><originations>2369</originations><total>3173</total><denial_rate>0.2533879609202647</denial_rate><origination_rate>0.7466120390797353</origination_rate></row>
<row _id="1745"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>128</denials><originations>799</originations><total>927</total><denial_rate>0.13807982740021574</denial_rate><origination_rate>0.8619201725997843</origination_rate></row>
<row _id="1746"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>72</denials><originations>256</originations><total>328</total><denial_rate>0.21951219512195122</denial_rate><origination_rate>0.7804878048780488</origination_rate></row>
<row _id="1747"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>298</denials><originations>2389</originations><total>2687</total><denial_rate>0.11090435429847413</denial_rate><origination_rate>0.8890956457015259</origination_rate></row>
<row _id="1748"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>54</denials><originations>233</originations><total>287</total><denial_rate>0.18815331010452963</denial_rate><origination_rate>0.8118466898954704</origination_rate></row>
<row _id="1749"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1017</denials><originations>9895</originations><total>10912</total><denial_rate>0.09320014662756598</denial_rate><origination_rate>0.9067998533724341</origination_rate></row>
<row _id="1750"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1160</denials><originations>11562</originations><total>12722</total><denial_rate>0.09118063197610439</denial_rate><origination_rate>0.9088193680238956</origination_rate></row>
<row _id="1751"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>214</denials><originations>1084</originations><total>1298</total><denial_rate>0.16486902927580893</denial_rate><origination_rate>0.8351309707241911</origination_rate></row>
<row _id="1752"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1005</denials><originations>10704</originations><total>11709</total><denial_rate>0.08583141173456316</denial_rate><origination_rate>0.9141685882654369</origination_rate></row>
<row _id="1753"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>320</denials><originations>1150</originations><total>1470</total><denial_rate>0.21768707482993196</denial_rate><origination_rate>0.782312925170068</origination_rate></row>
<row _id="1754"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>317</denials><originations>582</originations><total>899</total><denial_rate>0.3526140155728587</denial_rate><origination_rate>0.6473859844271412</origination_rate></row>
<row _id="1755"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1444</denials><originations>5057</originations><total>6501</total><denial_rate>0.22211967389632364</denial_rate><origination_rate>0.7778803261036764</origination_rate></row>
<row _id="1756"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>176</denials><originations>466</originations><total>642</total><denial_rate>0.27414330218068533</denial_rate><origination_rate>0.7258566978193146</origination_rate></row>
<row _id="1757"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>5475</denials><originations>24408</originations><total>29883</total><denial_rate>0.1832145366931031</denial_rate><origination_rate>0.8167854633068969</origination_rate></row>
<row _id="1758"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>6310</denials><originations>27544</originations><total>33854</total><denial_rate>0.1863886099131565</denial_rate><origination_rate>0.8136113900868435</origination_rate></row>
<row _id="1759"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>671</denials><originations>1821</originations><total>2492</total><denial_rate>0.26926163723916535</denial_rate><origination_rate>0.7307383627608347</origination_rate></row>
<row _id="1760"><year>2013</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>5771</denials><originations>26255</originations><total>32026</total><denial_rate>0.180197339661525</denial_rate><origination_rate>0.819802660338475</origination_rate></row>
<row _id="1761"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>302</denials><originations>1247</originations><total>1549</total><denial_rate>0.1949644932214332</denial_rate><origination_rate>0.8050355067785668</origination_rate></row>
<row _id="1762"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>369</denials><originations>623</originations><total>992</total><denial_rate>0.3719758064516129</denial_rate><origination_rate>0.6280241935483871</origination_rate></row>
<row _id="1763"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>1482</denials><originations>5029</originations><total>6511</total><denial_rate>0.22761480571340809</denial_rate><origination_rate>0.7723851942865919</origination_rate></row>
<row _id="1764"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>148</denials><originations>459</originations><total>607</total><denial_rate>0.24382207578253706</denial_rate><origination_rate>0.7561779242174629</origination_rate></row>
<row _id="1765"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4190</denials><originations>19388</originations><total>23578</total><denial_rate>0.17770803291203666</denial_rate><origination_rate>0.8222919670879634</origination_rate></row>
<row _id="1766"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>5151</denials><originations>22897</originations><total>28048</total><denial_rate>0.18364945807187677</denial_rate><origination_rate>0.8163505419281232</origination_rate></row>
<row _id="1767"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>723</denials><originations>1953</originations><total>2676</total><denial_rate>0.2701793721973094</denial_rate><origination_rate>0.7298206278026906</origination_rate></row>
<row _id="1768"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>4542</denials><originations>21384</originations><total>25926</total><denial_rate>0.17519092802591993</denial_rate><origination_rate>0.82480907197408</origination_rate></row>
<row _id="1769"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>43</denials><originations>43</originations><total>86</total><denial_rate>0.5</denial_rate><origination_rate>0.5</origination_rate></row>
<row _id="1770"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>77</denials><originations>47</originations><total>124</total><denial_rate>0.6209677419354839</denial_rate><origination_rate>0.3790322580645161</origination_rate></row>
<row _id="1771"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>339</denials><originations>649</originations><total>988</total><denial_rate>0.3431174089068826</denial_rate><origination_rate>0.6568825910931174</origination_rate></row>
<row _id="1772"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>23</denials><originations>41</originations><total>64</total><denial_rate>0.359375</denial_rate><origination_rate>0.640625</origination_rate></row>
<row _id="1773"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>596</denials><originations>1692</originations><total>2288</total><denial_rate>0.26048951048951047</denial_rate><origination_rate>0.7395104895104895</origination_rate></row>
<row _id="1774"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>855</denials><originations>2157</originations><total>3012</total><denial_rate>0.28386454183266935</denial_rate><origination_rate>0.7161354581673307</origination_rate></row>
<row _id="1775"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>129</denials><originations>104</originations><total>233</total><denial_rate>0.5536480686695279</denial_rate><origination_rate>0.44635193133047213</origination_rate></row>
<row _id="1776"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>753</denials><originations>2129</originations><total>2882</total><denial_rate>0.26127689104788343</denial_rate><origination_rate>0.7387231089521166</origination_rate></row>
<row _id="1777"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>97</denials><originations>828</originations><total>925</total><denial_rate>0.10486486486486486</denial_rate><origination_rate>0.8951351351351351</origination_rate></row>
<row _id="1778"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>67</denials><originations>311</originations><total>378</total><denial_rate>0.17724867724867724</denial_rate><origination_rate>0.8227513227513228</origination_rate></row>
<row _id="1779"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>276</denials><originations>2347</originations><total>2623</total><denial_rate>0.10522302706824246</denial_rate><origination_rate>0.8947769729317575</origination_rate></row>
<row _id="1780"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>40</denials><originations>258</originations><total>298</total><denial_rate>0.1342281879194631</denial_rate><origination_rate>0.8657718120805369</origination_rate></row>
<row _id="1781"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>894</denials><originations>9775</originations><total>10669</total><denial_rate>0.08379417002530697</denial_rate><origination_rate>0.916205829974693</origination_rate></row>
<row _id="1782"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1059</denials><originations>11420</originations><total>12479</total><denial_rate>0.08486256911611507</denial_rate><origination_rate>0.9151374308838849</origination_rate></row>
<row _id="1783"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>177</denials><originations>1179</originations><total>1356</total><denial_rate>0.13053097345132744</denial_rate><origination_rate>0.8694690265486725</origination_rate></row>
<row _id="1784"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>920</denials><originations>10482</originations><total>11402</total><denial_rate>0.08068759866690055</denial_rate><origination_rate>0.9193124013330994</origination_rate></row>
<row _id="1785"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>162</denials><originations>376</originations><total>538</total><denial_rate>0.30111524163568776</denial_rate><origination_rate>0.6988847583643123</origination_rate></row>
<row _id="1786"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>225</denials><originations>265</originations><total>490</total><denial_rate>0.45918367346938777</denial_rate><origination_rate>0.5408163265306123</origination_rate></row>
<row _id="1787"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>867</denials><originations>2033</originations><total>2900</total><denial_rate>0.2989655172413793</denial_rate><origination_rate>0.7010344827586207</origination_rate></row>
<row _id="1788"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>85</denials><originations>160</originations><total>245</total><denial_rate>0.3469387755102041</denial_rate><origination_rate>0.6530612244897959</origination_rate></row>
<row _id="1789"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>2700</denials><originations>7921</originations><total>10621</total><denial_rate>0.25421335090857733</denial_rate><origination_rate>0.7457866490914227</origination_rate></row>
<row _id="1790"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>3237</denials><originations>9320</originations><total>12557</total><denial_rate>0.25778450266783465</denial_rate><origination_rate>0.7422154973321653</origination_rate></row>
<row _id="1791"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>417</denials><originations>670</originations><total>1087</total><denial_rate>0.38362465501379944</denial_rate><origination_rate>0.6163753449862005</origination_rate></row>
<row _id="1792"><year>2014</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>2869</denials><originations>8773</originations><total>11642</total><denial_rate>0.24643532039168528</denial_rate><origination_rate>0.7535646796083147</origination_rate></row>
<row _id="1793"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>300</denials><originations>1610</originations><total>1910</total><denial_rate>0.15706806282722513</denial_rate><origination_rate>0.8429319371727748</origination_rate></row>
<row _id="1794"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>390</denials><originations>747</originations><total>1137</total><denial_rate>0.34300791556728233</denial_rate><origination_rate>0.6569920844327177</origination_rate></row>
<row _id="1795"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>1533</denials><originations>6200</originations><total>7733</total><denial_rate>0.1982413035044614</denial_rate><origination_rate>0.8017586964955385</origination_rate></row>
<row _id="1796"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>161</denials><originations>535</originations><total>696</total><denial_rate>0.23132183908045978</denial_rate><origination_rate>0.7686781609195402</origination_rate></row>
<row _id="1797"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4536</denials><originations>23661</originations><total>28197</total><denial_rate>0.16086817746568785</denial_rate><origination_rate>0.8391318225343122</origination_rate></row>
<row _id="1798"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>5479</denials><originations>27982</originations><total>33461</total><denial_rate>0.16374286482770986</denial_rate><origination_rate>0.8362571351722902</origination_rate></row>
<row _id="1799"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>741</denials><originations>2485</originations><total>3226</total><denial_rate>0.2296962182269064</denial_rate><origination_rate>0.7703037817730937</origination_rate></row>
<row _id="1800"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>4860</denials><originations>25935</originations><total>30795</total><denial_rate>0.15781782756941062</denial_rate><origination_rate>0.8421821724305893</origination_rate></row>
<row _id="1801"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>37</denials><originations>69</originations><total>106</total><denial_rate>0.3490566037735849</denial_rate><origination_rate>0.6509433962264151</origination_rate></row>
<row _id="1802"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>60</denials><originations>48</originations><total>108</total><denial_rate>0.5555555555555556</denial_rate><origination_rate>0.4444444444444444</origination_rate></row>
<row _id="1803"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>329</denials><originations>703</originations><total>1032</total><denial_rate>0.3187984496124031</denial_rate><origination_rate>0.6812015503875969</origination_rate></row>
<row _id="1804"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>13</denials><originations>51</originations><total>64</total><denial_rate>0.203125</denial_rate><origination_rate>0.796875</origination_rate></row>
<row _id="1805"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>554</denials><originations>1843</originations><total>2397</total><denial_rate>0.23112223612849395</denial_rate><origination_rate>0.7688777638715061</origination_rate></row>
<row _id="1806"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>790</denials><originations>2372</originations><total>3162</total><denial_rate>0.24984187223276408</denial_rate><origination_rate>0.7501581277672359</origination_rate></row>
<row _id="1807"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>106</denials><originations>126</originations><total>232</total><denial_rate>0.45689655172413796</denial_rate><origination_rate>0.5431034482758621</origination_rate></row>
<row _id="1808"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>696</denials><originations>2318</originations><total>3014</total><denial_rate>0.2309223623092236</denial_rate><origination_rate>0.7690776376907764</origination_rate></row>
<row _id="1809"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>81</denials><originations>915</originations><total>996</total><denial_rate>0.08132530120481928</denial_rate><origination_rate>0.9186746987951807</origination_rate></row>
<row _id="1810"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>62</denials><originations>371</originations><total>433</total><denial_rate>0.14318706697459585</denial_rate><origination_rate>0.8568129330254042</origination_rate></row>
<row _id="1811"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>245</denials><originations>2835</originations><total>3080</total><denial_rate>0.07954545454545454</denial_rate><origination_rate>0.9204545454545454</origination_rate></row>
<row _id="1812"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>39</denials><originations>269</originations><total>308</total><denial_rate>0.1266233766233766</denial_rate><origination_rate>0.8733766233766234</origination_rate></row>
<row _id="1813"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>787</denials><originations>10237</originations><total>11024</total><denial_rate>0.07138969521044992</denial_rate><origination_rate>0.9286103047895501</origination_rate></row>
<row _id="1814"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>917</denials><originations>12247</originations><total>13164</total><denial_rate>0.06965967790945002</denial_rate><origination_rate>0.93034032209055</origination_rate></row>
<row _id="1815"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>151</denials><originations>1336</originations><total>1487</total><denial_rate>0.101546738399462</denial_rate><origination_rate>0.898453261600538</origination_rate></row>
<row _id="1816"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>805</denials><originations>11115</originations><total>11920</total><denial_rate>0.06753355704697987</denial_rate><origination_rate>0.9324664429530202</origination_rate></row>
<row _id="1817"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>182</denials><originations>626</originations><total>808</total><denial_rate>0.22524752475247525</denial_rate><origination_rate>0.7747524752475248</origination_rate></row>
<row _id="1818"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>268</denials><originations>328</originations><total>596</total><denial_rate>0.44966442953020136</denial_rate><origination_rate>0.5503355704697986</origination_rate></row>
<row _id="1819"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>959</denials><originations>2662</originations><total>3621</total><denial_rate>0.2648439657553162</denial_rate><origination_rate>0.7351560342446838</origination_rate></row>
<row _id="1820"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>109</denials><originations>215</originations><total>324</total><denial_rate>0.33641975308641975</denial_rate><origination_rate>0.6635802469135802</origination_rate></row>
<row _id="1821"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>3195</denials><originations>11581</originations><total>14776</total><denial_rate>0.21622902003248512</denial_rate><origination_rate>0.7837709799675149</origination_rate></row>
<row _id="1822"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>3772</denials><originations>13363</originations><total>17135</total><denial_rate>0.22013422818791947</denial_rate><origination_rate>0.7798657718120805</origination_rate></row>
<row _id="1823"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>484</denials><originations>1023</originations><total>1507</total><denial_rate>0.32116788321167883</denial_rate><origination_rate>0.6788321167883211</origination_rate></row>
<row _id="1824"><year>2015</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>3359</denials><originations>12502</originations><total>15861</total><denial_rate>0.21177731542777883</denial_rate><origination_rate>0.7882226845722212</origination_rate></row>
<row _id="1825"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>352</denials><originations>1775</originations><total>2127</total><denial_rate>0.16549130230371414</denial_rate><origination_rate>0.8345086976962859</origination_rate></row>
<row _id="1826"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>431</denials><originations>871</originations><total>1302</total><denial_rate>0.33102918586789554</denial_rate><origination_rate>0.6689708141321045</origination_rate></row>
<row _id="1827"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>1730</denials><originations>6923</originations><total>8653</total><denial_rate>0.1999306598867445</denial_rate><origination_rate>0.8000693401132555</origination_rate></row>
<row _id="1828"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>223</denials><originations>644</originations><total>867</total><denial_rate>0.25720876585928487</denial_rate><origination_rate>0.7427912341407151</origination_rate></row>
<row _id="1829"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>4893</denials><originations>25284</originations><total>30177</total><denial_rate>0.16214335421016005</denial_rate><origination_rate>0.83785664578984</origination_rate></row>
<row _id="1830"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>6056</denials><originations>29986</originations><total>36042</total><denial_rate>0.1680261916652794</denial_rate><origination_rate>0.8319738083347206</origination_rate></row>
<row _id="1831"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>835</denials><originations>2773</originations><total>3608</total><denial_rate>0.23143015521064303</denial_rate><origination_rate>0.768569844789357</origination_rate></row>
<row _id="1832"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>5354</denials><originations>27746</originations><total>33100</total><denial_rate>0.1617522658610272</denial_rate><origination_rate>0.8382477341389728</origination_rate></row>
<row _id="1833"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>21</denials><originations>67</originations><total>88</total><denial_rate>0.23863636363636365</denial_rate><origination_rate>0.7613636363636364</origination_rate></row>
<row _id="1834"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>69</denials><originations>57</originations><total>126</total><denial_rate>0.5476190476190477</denial_rate><origination_rate>0.4523809523809524</origination_rate></row>
<row _id="1835"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>270</denials><originations>789</originations><total>1059</total><denial_rate>0.254957507082153</denial_rate><origination_rate>0.7450424929178471</origination_rate></row>
<row _id="1836"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>34</denials><originations>53</originations><total>87</total><denial_rate>0.39080459770114945</denial_rate><origination_rate>0.6091954022988506</origination_rate></row>
<row _id="1837"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>534</denials><originations>1996</originations><total>2530</total><denial_rate>0.21106719367588933</denial_rate><origination_rate>0.7889328063241107</origination_rate></row>
<row _id="1838"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>733</denials><originations>2576</originations><total>3309</total><denial_rate>0.22151707464490783</denial_rate><origination_rate>0.7784829253550922</origination_rate></row>
<row _id="1839"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>94</denials><originations>142</originations><total>236</total><denial_rate>0.3983050847457627</denial_rate><origination_rate>0.6016949152542372</origination_rate></row>
<row _id="1840"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>669</denials><originations>2525</originations><total>3194</total><denial_rate>0.20945522855353788</denial_rate><origination_rate>0.7905447714464621</origination_rate></row>
<row _id="1841"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>132</denials><originations>990</originations><total>1122</total><denial_rate>0.11764705882352941</denial_rate><origination_rate>0.8823529411764706</origination_rate></row>
<row _id="1842"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>110</denials><originations>458</originations><total>568</total><denial_rate>0.1936619718309859</denial_rate><origination_rate>0.8063380281690141</origination_rate></row>
<row _id="1843"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>355</denials><originations>3173</originations><total>3528</total><denial_rate>0.10062358276643991</denial_rate><origination_rate>0.8993764172335601</origination_rate></row>
<row _id="1844"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>56</denials><originations>366</originations><total>422</total><denial_rate>0.13270142180094788</denial_rate><origination_rate>0.8672985781990521</origination_rate></row>
<row _id="1845"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>838</denials><originations>10702</originations><total>11540</total><denial_rate>0.07261698440207973</denial_rate><origination_rate>0.9273830155979202</origination_rate></row>
<row _id="1846"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1067</denials><originations>12910</originations><total>13977</total><denial_rate>0.07633970093725406</denial_rate><origination_rate>0.9236602990627459</origination_rate></row>
<row _id="1847"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>248</denials><originations>1494</originations><total>1742</total><denial_rate>0.1423650975889782</denial_rate><origination_rate>0.8576349024110218</origination_rate></row>
<row _id="1848"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>867</denials><originations>11700</originations><total>12567</total><denial_rate>0.06899021246120793</denial_rate><origination_rate>0.931009787538792</origination_rate></row>
<row _id="1849"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>199</denials><originations>718</originations><total>917</total><denial_rate>0.21701199563794984</denial_rate><origination_rate>0.7829880043620502</origination_rate></row>
<row _id="1850"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>252</denials><originations>356</originations><total>608</total><denial_rate>0.4144736842105263</denial_rate><origination_rate>0.5855263157894737</origination_rate></row>
<row _id="1851"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1105</denials><originations>2961</originations><total>4066</total><denial_rate>0.2717658632562715</denial_rate><origination_rate>0.7282341367437285</origination_rate></row>
<row _id="1852"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>133</denials><originations>225</originations><total>358</total><denial_rate>0.3715083798882682</denial_rate><origination_rate>0.6284916201117319</origination_rate></row>
<row _id="1853"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>3521</denials><originations>12586</originations><total>16107</total><denial_rate>0.2186006084311169</denial_rate><origination_rate>0.781399391568883</origination_rate></row>
<row _id="1854"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>4256</denials><originations>14500</originations><total>18756</total><denial_rate>0.22691405416933247</denial_rate><origination_rate>0.7730859458306675</origination_rate></row>
<row _id="1855"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>493</denials><originations>1137</originations><total>1630</total><denial_rate>0.3024539877300613</denial_rate><origination_rate>0.6975460122699386</origination_rate></row>
<row _id="1856"><year>2016</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>3818</denials><originations>13521</originations><total>17339</total><denial_rate>0.22019724320895093</denial_rate><origination_rate>0.779802756791049</origination_rate></row>
<row _id="1857"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>257</denials><originations>1522</originations><total>1779</total><denial_rate>0.14446318156267565</denial_rate><origination_rate>0.8555368184373243</origination_rate></row>
<row _id="1858"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>328</denials><originations>890</originations><total>1218</total><denial_rate>0.26929392446633826</denial_rate><origination_rate>0.7307060755336617</origination_rate></row>
<row _id="1859"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>1293</denials><originations>6480</originations><total>7773</total><denial_rate>0.16634504052489385</denial_rate><origination_rate>0.8336549594751061</origination_rate></row>
<row _id="1860"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>152</denials><originations>632</originations><total>784</total><denial_rate>0.19387755102040816</denial_rate><origination_rate>0.8061224489795918</origination_rate></row>
<row _id="1861"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>3336</denials><originations>20100</originations><total>23436</total><denial_rate>0.14234511008704556</denial_rate><origination_rate>0.8576548899129545</origination_rate></row>
<row _id="1862"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>4154</denials><originations>24478</originations><total>28632</total><denial_rate>0.14508242525845208</denial_rate><origination_rate>0.854917574741548</origination_rate></row>
<row _id="1863"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>620</denials><originations>2530</originations><total>3150</total><denial_rate>0.19682539682539682</denial_rate><origination_rate>0.8031746031746032</origination_rate></row>
<row _id="1864"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>3658</denials><originations>22486</originations><total>26144</total><denial_rate>0.13991738066095472</denial_rate><origination_rate>0.8600826193390453</origination_rate></row>
<row _id="1865"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>26</denials><originations>64</originations><total>90</total><denial_rate>0.28888888888888886</denial_rate><origination_rate>0.7111111111111111</origination_rate></row>
<row _id="1866"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>55</denials><originations>56</originations><total>111</total><denial_rate>0.4954954954954955</denial_rate><origination_rate>0.5045045045045045</origination_rate></row>
<row _id="1867"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>238</denials><originations>724</originations><total>962</total><denial_rate>0.24740124740124741</denial_rate><origination_rate>0.7525987525987526</origination_rate></row>
<row _id="1868"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>30</denials><originations>50</originations><total>80</total><denial_rate>0.375</denial_rate><origination_rate>0.625</origination_rate></row>
<row _id="1869"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>486</denials><originations>1730</originations><total>2216</total><denial_rate>0.21931407942238268</denial_rate><origination_rate>0.7806859205776173</origination_rate></row>
<row _id="1870"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>656</denials><originations>2251</originations><total>2907</total><denial_rate>0.2256621947024424</denial_rate><origination_rate>0.7743378052975576</origination_rate></row>
<row _id="1871"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>93</denials><originations>133</originations><total>226</total><denial_rate>0.41150442477876104</denial_rate><origination_rate>0.588495575221239</origination_rate></row>
<row _id="1872"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>587</denials><originations>2195</originations><total>2782</total><denial_rate>0.21099928109273905</denial_rate><origination_rate>0.789000718907261</origination_rate></row>
<row _id="1873"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>127</denials><originations>1168</originations><total>1295</total><denial_rate>0.09806949806949807</denial_rate><origination_rate>0.901930501930502</origination_rate></row>
<row _id="1874"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>89</denials><originations>530</originations><total>619</total><denial_rate>0.14378029079159935</denial_rate><origination_rate>0.8562197092084006</origination_rate></row>
<row _id="1875"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>362</denials><originations>3635</originations><total>3997</total><denial_rate>0.09056792594445834</denial_rate><origination_rate>0.9094320740555416</origination_rate></row>
<row _id="1876"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>60</denials><originations>409</originations><total>469</total><denial_rate>0.1279317697228145</denial_rate><origination_rate>0.8720682302771855</origination_rate></row>
<row _id="1877"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>849</denials><originations>11155</originations><total>12004</total><denial_rate>0.07072642452515827</denial_rate><origination_rate>0.9292735754748417</origination_rate></row>
<row _id="1878"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>1077</denials><originations>13678</originations><total>14755</total><denial_rate>0.07299220603185361</denial_rate><origination_rate>0.9270077939681464</origination_rate></row>
<row _id="1879"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>221</denials><originations>1760</originations><total>1981</total><denial_rate>0.11155981827359919</denial_rate><origination_rate>0.8884401817264008</origination_rate></row>
<row _id="1880"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>905</denials><originations>12244</originations><total>13149</total><denial_rate>0.06882652673207088</denial_rate><origination_rate>0.9311734732679291</origination_rate></row>
<row _id="1881"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>104</denials><originations>290</originations><total>394</total><denial_rate>0.2639593908629442</denial_rate><origination_rate>0.7360406091370558</origination_rate></row>
<row _id="1882"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>184</denials><originations>304</originations><total>488</total><denial_rate>0.3770491803278688</denial_rate><origination_rate>0.6229508196721312</origination_rate></row>
<row _id="1883"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>693</denials><originations>2121</originations><total>2814</total><denial_rate>0.2462686567164179</denial_rate><origination_rate>0.753731343283582</origination_rate></row>
<row _id="1884"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>62</denials><originations>173</originations><total>235</total><denial_rate>0.26382978723404255</denial_rate><origination_rate>0.7361702127659574</origination_rate></row>
<row _id="1885"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>2001</denials><originations>7215</originations><total>9216</total><denial_rate>0.21712239583333334</denial_rate><origination_rate>0.7828776041666666</origination_rate></row>
<row _id="1886"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>2421</denials><originations>8549</originations><total>10970</total><denial_rate>0.22069279854147675</denial_rate><origination_rate>0.7793072014585233</origination_rate></row>
<row _id="1887"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>306</denials><originations>637</originations><total>943</total><denial_rate>0.3244962884411453</denial_rate><origination_rate>0.6755037115588547</origination_rate></row>
<row _id="1888"><year>2017</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>2166</denials><originations>8047</originations><total>10213</total><denial_rate>0.21208263977283853</denial_rate><origination_rate>0.7879173602271614</origination_rate></row>
<row _id="1889"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1064</denials><originations>3391</originations><total>4455</total><denial_rate>0.2388327721661055</denial_rate><origination_rate>0.7611672278338945</origination_rate></row>
<row _id="1890"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>1579</denials><originations>2812</originations><total>4391</total><denial_rate>0.3595991801411979</denial_rate><origination_rate>0.6404008198588022</origination_rate></row>
<row _id="1891"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>4048</denials><originations>11547</originations><total>15595</total><denial_rate>0.25957037512023085</denial_rate><origination_rate>0.7404296248797692</origination_rate></row>
<row _id="1892"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>579</denials><originations>1362</originations><total>1941</total><denial_rate>0.2982998454404946</denial_rate><origination_rate>0.7017001545595054</origination_rate></row>
<row _id="1893"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>5819</denials><originations>16569</originations><total>22388</total><denial_rate>0.2599160264427372</denial_rate><origination_rate>0.7400839735572629</origination_rate></row>
<row _id="1894"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>13916</denials><originations>50344</originations><total>64260</total><denial_rate>0.21655773420479302</denial_rate><origination_rate>0.7834422657952069</origination_rate></row>
<row _id="1895"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2823</denials><originations>6422</originations><total>9245</total><denial_rate>0.30535424553812873</denial_rate><origination_rate>0.6946457544618713</origination_rate></row>
<row _id="1896"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>11745</denials><originations>45420</originations><total>57165</total><denial_rate>0.20545788506953555</denial_rate><origination_rate>0.7945421149304644</origination_rate></row>
<row _id="1897"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>339</denials><originations>282</originations><total>621</total><denial_rate>0.5458937198067633</denial_rate><origination_rate>0.45410628019323673</origination_rate></row>
<row _id="1898"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>401</denials><originations>231</originations><total>632</total><denial_rate>0.634493670886076</denial_rate><origination_rate>0.36550632911392406</origination_rate></row>
<row _id="1899"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>1207</denials><originations>1462</originations><total>2669</total><denial_rate>0.45222929936305734</denial_rate><origination_rate>0.5477707006369427</origination_rate></row>
<row _id="1900"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>173</denials><originations>100</originations><total>273</total><denial_rate>0.6336996336996337</denial_rate><origination_rate>0.3663003663003663</origination_rate></row>
<row _id="1901"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1677</denials><originations>1950</originations><total>3627</total><denial_rate>0.46236559139784944</denial_rate><origination_rate>0.5376344086021505</origination_rate></row>
<row _id="1902"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>4066</denials><originations>6747</originations><total>10813</total><denial_rate>0.3760288541570332</denial_rate><origination_rate>0.6239711458429668</origination_rate></row>
<row _id="1903"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>808</denials><originations>552</originations><total>1360</total><denial_rate>0.5941176470588235</denial_rate><origination_rate>0.40588235294117647</origination_rate></row>
<row _id="1904"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>3475</denials><originations>6384</originations><total>9859</total><denial_rate>0.352469824525814</denial_rate><origination_rate>0.647530175474186</origination_rate></row>
<row _id="1905"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>334</denials><originations>2451</originations><total>2785</total><denial_rate>0.1199281867145422</denial_rate><origination_rate>0.8800718132854578</origination_rate></row>
<row _id="1906"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>432</denials><originations>1885</originations><total>2317</total><denial_rate>0.1864479930945188</denial_rate><origination_rate>0.8135520069054812</origination_rate></row>
<row _id="1907"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>785</denials><originations>6346</originations><total>7131</total><denial_rate>0.11008273734399103</denial_rate><origination_rate>0.889917262656009</origination_rate></row>
<row _id="1908"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>164</denials><originations>925</originations><total>1089</total><denial_rate>0.15059687786960516</denial_rate><origination_rate>0.8494031221303948</origination_rate></row>
<row _id="1909"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1166</denials><originations>9564</originations><total>10730</total><denial_rate>0.10866728797763281</denial_rate><origination_rate>0.8913327120223672</origination_rate></row>
<row _id="1910"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>2562</denials><originations>26708</originations><total>29270</total><denial_rate>0.08752989408951145</denial_rate><origination_rate>0.9124701059104886</origination_rate></row>
<row _id="1911"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>795</denials><originations>4441</originations><total>5236</total><denial_rate>0.15183346065699008</denial_rate><origination_rate>0.8481665393430099</origination_rate></row>
<row _id="1912"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1964</denials><originations>23120</originations><total>25084</total><denial_rate>0.07829692234093447</denial_rate><origination_rate>0.9217030776590656</origination_rate></row>
<row _id="1913"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>391</denials><originations>658</originations><total>1049</total><denial_rate>0.37273593898951385</denial_rate><origination_rate>0.6272640610104862</origination_rate></row>
<row _id="1914"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>746</denials><originations>696</originations><total>1442</total><denial_rate>0.5173370319001387</denial_rate><origination_rate>0.4826629680998613</origination_rate></row>
<row _id="1915"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>2056</denials><originations>3739</originations><total>5795</total><denial_rate>0.3547886108714409</denial_rate><origination_rate>0.6452113891285591</origination_rate></row>
<row _id="1916"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>242</denials><originations>337</originations><total>579</total><denial_rate>0.41796200345423146</denial_rate><origination_rate>0.5820379965457686</origination_rate></row>
<row _id="1917"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>2976</denials><originations>5055</originations><total>8031</total><denial_rate>0.3705640642510273</denial_rate><origination_rate>0.6294359357489727</origination_rate></row>
<row _id="1918"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>7288</denials><originations>16889</originations><total>24177</total><denial_rate>0.30144352070149316</denial_rate><origination_rate>0.6985564792985068</origination_rate></row>
<row _id="1919"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1220</denials><originations>1429</originations><total>2649</total><denial_rate>0.46055115137787844</denial_rate><origination_rate>0.5394488486221215</origination_rate></row>
<row _id="1920"><year>2018</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>6306</denials><originations>15916</originations><total>22222</total><denial_rate>0.2837728377283773</denial_rate><origination_rate>0.7162271622716228</origination_rate></row>
<row _id="1921"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1098</denials><originations>4260</originations><total>5358</total><denial_rate>0.20492721164613661</denial_rate><origination_rate>0.7950727883538634</origination_rate></row>
<row _id="1922"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>1544</denials><originations>3472</originations><total>5016</total><denial_rate>0.3078149920255183</denial_rate><origination_rate>0.6921850079744817</origination_rate></row>
<row _id="1923"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>3761</denials><originations>13208</originations><total>16969</total><denial_rate>0.22163946019211503</denial_rate><origination_rate>0.778360539807885</origination_rate></row>
<row _id="1924"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>578</denials><originations>1505</originations><total>2083</total><denial_rate>0.2774843975036006</denial_rate><origination_rate>0.7225156024963995</origination_rate></row>
<row _id="1925"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>5825</denials><originations>20928</originations><total>26753</total><denial_rate>0.21773259073748738</denial_rate><origination_rate>0.7822674092625126</origination_rate></row>
<row _id="1926"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>13279</denials><originations>60075</originations><total>73354</total><denial_rate>0.1810262562368787</denial_rate><origination_rate>0.8189737437631213</origination_rate></row>
<row _id="1927"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>2798</denials><originations>7944</originations><total>10742</total><denial_rate>0.2604729100726122</denial_rate><origination_rate>0.7395270899273878</origination_rate></row>
<row _id="1928"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>11131</denials><originations>53711</originations><total>64842</total><denial_rate>0.1716634280250455</denial_rate><origination_rate>0.8283365719749545</origination_rate></row>
<row _id="1929"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>334</denials><originations>267</originations><total>601</total><denial_rate>0.5557404326123128</denial_rate><origination_rate>0.4442595673876872</origination_rate></row>
<row _id="1930"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>443</denials><originations>270</originations><total>713</total><denial_rate>0.6213183730715287</denial_rate><origination_rate>0.37868162692847124</origination_rate></row>
<row _id="1931"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>1126</denials><originations>1306</originations><total>2432</total><denial_rate>0.4629934210526316</denial_rate><origination_rate>0.5370065789473685</origination_rate></row>
<row _id="1932"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>154</denials><originations>94</originations><total>248</total><denial_rate>0.6209677419354839</denial_rate><origination_rate>0.3790322580645161</origination_rate></row>
<row _id="1933"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1643</denials><originations>1954</originations><total>3597</total><denial_rate>0.45676953016402555</denial_rate><origination_rate>0.5432304698359744</origination_rate></row>
<row _id="1934"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>3752</denials><originations>6295</originations><total>10047</total><denial_rate>0.37344480939583957</denial_rate><origination_rate>0.6265551906041604</origination_rate></row>
<row _id="1935"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>840</denials><originations>565</originations><total>1405</total><denial_rate>0.597864768683274</denial_rate><origination_rate>0.40213523131672596</origination_rate></row>
<row _id="1936"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>3119</denials><originations>5840</originations><total>8959</total><denial_rate>0.3481415336533095</denial_rate><origination_rate>0.6518584663466904</origination_rate></row>
<row _id="1937"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>291</denials><originations>2475</originations><total>2766</total><denial_rate>0.1052060737527115</denial_rate><origination_rate>0.8947939262472885</origination_rate></row>
<row _id="1938"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>376</denials><originations>2127</originations><total>2503</total><denial_rate>0.1502197363164203</denial_rate><origination_rate>0.8497802636835797</origination_rate></row>
<row _id="1939"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>682</denials><originations>6598</originations><total>7280</total><denial_rate>0.09368131868131868</denial_rate><origination_rate>0.9063186813186813</origination_rate></row>
<row _id="1940"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>149</denials><originations>966</originations><total>1115</total><denial_rate>0.1336322869955157</denial_rate><origination_rate>0.8663677130044843</origination_rate></row>
<row _id="1941"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1075</denials><originations>10242</originations><total>11317</total><denial_rate>0.0949898382963683</denial_rate><origination_rate>0.9050101617036317</origination_rate></row>
<row _id="1942"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>2254</denials><originations>27098</originations><total>29352</total><denial_rate>0.07679204142818206</denial_rate><origination_rate>0.9232079585718179</origination_rate></row>
<row _id="1943"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>688</denials><originations>4702</originations><total>5390</total><denial_rate>0.12764378478664193</denial_rate><origination_rate>0.872356215213358</origination_rate></row>
<row _id="1944"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1752</denials><originations>23380</originations><total>25132</total><denial_rate>0.06971192105681999</denial_rate><origination_rate>0.93028807894318</origination_rate></row>
<row _id="1945"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>473</denials><originations>1518</originations><total>1991</total><denial_rate>0.23756906077348067</denial_rate><origination_rate>0.7624309392265194</origination_rate></row>
<row _id="1946"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>725</denials><originations>1075</originations><total>1800</total><denial_rate>0.4027777777777778</denial_rate><origination_rate>0.5972222222222222</origination_rate></row>
<row _id="1947"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1953</denials><originations>5304</originations><total>7257</total><denial_rate>0.2691194708557255</denial_rate><origination_rate>0.7308805291442745</origination_rate></row>
<row _id="1948"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>275</denials><originations>445</originations><total>720</total><denial_rate>0.3819444444444444</denial_rate><origination_rate>0.6180555555555556</origination_rate></row>
<row _id="1949"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>3107</denials><originations>8732</originations><total>11839</total><denial_rate>0.26243770588732157</denial_rate><origination_rate>0.7375622941126785</origination_rate></row>
<row _id="1950"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>7273</denials><originations>26682</originations><total>33955</total><denial_rate>0.21419525843027537</denial_rate><origination_rate>0.7858047415697247</origination_rate></row>
<row _id="1951"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1270</denials><originations>2677</originations><total>3947</total><denial_rate>0.3217633645806942</denial_rate><origination_rate>0.6782366354193058</origination_rate></row>
<row _id="1952"><year>2019</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>6260</denials><originations>24491</originations><total>30751</total><denial_rate>0.2035706155897369</denial_rate><origination_rate>0.7964293844102631</origination_rate></row>
<row _id="1953"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1395</denials><originations>8244</originations><total>9639</total><denial_rate>0.14472455648926238</denial_rate><origination_rate>0.8552754435107376</origination_rate></row>
<row _id="1954"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>1604</denials><originations>4494</originations><total>6098</total><denial_rate>0.2630370613315841</denial_rate><origination_rate>0.7369629386684159</origination_rate></row>
<row _id="1955"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>4221</denials><originations>20861</originations><total>25082</total><denial_rate>0.1682880153097839</denial_rate><origination_rate>0.8317119846902161</origination_rate></row>
<row _id="1956"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>626</denials><originations>2332</originations><total>2958</total><denial_rate>0.2116294793779581</denial_rate><origination_rate>0.7883705206220419</origination_rate></row>
<row _id="1957"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>6588</denials><originations>34295</originations><total>40883</total><denial_rate>0.16114277327984736</denial_rate><origination_rate>0.8388572267201526</origination_rate></row>
<row _id="1958"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>15182</denials><originations>99042</originations><total>114224</total><denial_rate>0.1329142737078022</denial_rate><origination_rate>0.8670857262921978</origination_rate></row>
<row _id="1959"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>3135</denials><originations>13086</originations><total>16221</total><denial_rate>0.1932679859441465</denial_rate><origination_rate>0.8067320140558535</origination_rate></row>
<row _id="1960"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>12898</denials><originations>88985</originations><total>101883</total><denial_rate>0.12659619367313488</denial_rate><origination_rate>0.8734038063268651</origination_rate></row>
<row _id="1961"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>207</denials><originations>226</originations><total>433</total><denial_rate>0.4780600461893764</denial_rate><origination_rate>0.5219399538106235</origination_rate></row>
<row _id="1962"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>287</denials><originations>187</originations><total>474</total><denial_rate>0.6054852320675106</denial_rate><origination_rate>0.39451476793248946</origination_rate></row>
<row _id="1963"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>805</denials><originations>1059</originations><total>1864</total><denial_rate>0.43186695278969955</denial_rate><origination_rate>0.5681330472103004</origination_rate></row>
<row _id="1964"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>117</denials><originations>100</originations><total>217</total><denial_rate>0.5391705069124424</denial_rate><origination_rate>0.4608294930875576</origination_rate></row>
<row _id="1965"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1150</denials><originations>1663</originations><total>2813</total><denial_rate>0.4088162104514753</denial_rate><origination_rate>0.5911837895485247</origination_rate></row>
<row _id="1966"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>2688</denials><originations>5347</originations><total>8035</total><denial_rate>0.33453640323584316</denial_rate><origination_rate>0.6654635967641568</origination_rate></row>
<row _id="1967"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>532</denials><originations>439</originations><total>971</total><denial_rate>0.5478887744593203</denial_rate><origination_rate>0.45211122554067973</origination_rate></row>
<row _id="1968"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>2339</denials><originations>5099</originations><total>7438</total><denial_rate>0.31446625436945413</denial_rate><origination_rate>0.6855337456305458</origination_rate></row>
<row _id="1969"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>298</denials><originations>2677</originations><total>2975</total><denial_rate>0.10016806722689076</denial_rate><origination_rate>0.8998319327731092</origination_rate></row>
<row _id="1970"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>436</denials><originations>2218</originations><total>2654</total><denial_rate>0.16428033157498115</denial_rate><origination_rate>0.8357196684250189</origination_rate></row>
<row _id="1971"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>798</denials><originations>7204</originations><total>8002</total><denial_rate>0.0997250687328168</denial_rate><origination_rate>0.9002749312671832</origination_rate></row>
<row _id="1972"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>182</denials><originations>1081</originations><total>1263</total><denial_rate>0.14410134600158353</denial_rate><origination_rate>0.8558986539984165</origination_rate></row>
<row _id="1973"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1041</denials><originations>10697</originations><total>11738</total><denial_rate>0.08868631794172772</denial_rate><origination_rate>0.9113136820582722</origination_rate></row>
<row _id="1974"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>2290</denials><originations>27976</originations><total>30266</total><denial_rate>0.07566245952554021</denial_rate><origination_rate>0.9243375404744598</origination_rate></row>
<row _id="1975"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>766</denials><originations>5034</originations><total>5800</total><denial_rate>0.13206896551724137</denial_rate><origination_rate>0.8679310344827587</origination_rate></row>
<row _id="1976"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1708</denials><originations>23997</originations><total>25705</total><denial_rate>0.06644621668936004</denial_rate><origination_rate>0.93355378331064</origination_rate></row>
<row _id="1977"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>890</denials><originations>5341</originations><total>6231</total><denial_rate>0.14283421601669075</denial_rate><origination_rate>0.8571657839833092</origination_rate></row>
<row _id="1978"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>881</denials><originations>2089</originations><total>2970</total><denial_rate>0.29663299663299664</denial_rate><origination_rate>0.7033670033670034</origination_rate></row>
<row _id="1979"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>2618</denials><originations>12598</originations><total>15216</total><denial_rate>0.17205573080967404</denial_rate><origination_rate>0.8279442691903259</origination_rate></row>
<row _id="1980"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>327</denials><originations>1151</originations><total>1478</total><denial_rate>0.22124492557510148</denial_rate><origination_rate>0.7787550744248986</origination_rate></row>
<row _id="1981"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>4397</denials><originations>21935</originations><total>26332</total><denial_rate>0.16698313838675377</denial_rate><origination_rate>0.8330168616132463</origination_rate></row>
<row _id="1982"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>10204</denials><originations>65719</originations><total>75923</total><denial_rate>0.13439932563254878</denial_rate><origination_rate>0.8656006743674513</origination_rate></row>
<row _id="1983"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1837</denials><originations>7613</originations><total>9450</total><denial_rate>0.1943915343915344</denial_rate><origination_rate>0.8056084656084657</origination_rate></row>
<row _id="1984"><year>2020</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>8851</denials><originations>59889</originations><total>68740</total><denial_rate>0.12876054698865289</denial_rate><origination_rate>0.8712394530113471</origination_rate></row>
<row _id="1985"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>1324</denials><originations>8506</originations><total>9830</total><denial_rate>0.13468972533062054</denial_rate><origination_rate>0.8653102746693795</origination_rate></row>
<row _id="1986"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>2058</denials><originations>6052</originations><total>8110</total><denial_rate>0.25376078914919853</denial_rate><origination_rate>0.7462392108508015</origination_rate></row>
<row _id="1987"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>4853</denials><originations>23774</originations><total>28627</total><denial_rate>0.1695252733433472</denial_rate><origination_rate>0.8304747266566528</origination_rate></row>
<row _id="1988"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>790</denials><originations>2986</originations><total>3776</total><denial_rate>0.20921610169491525</denial_rate><origination_rate>0.7907838983050848</origination_rate></row>
<row _id="1989"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>6984</denials><originations>36269</originations><total>43253</total><denial_rate>0.1614685686541974</denial_rate><origination_rate>0.8385314313458027</origination_rate></row>
<row _id="1990"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>15442</denials><originations>102074</originations><total>117516</total><denial_rate>0.13140338336907315</denial_rate><origination_rate>0.8685966166309268</origination_rate></row>
<row _id="1991"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>3560</denials><originations>14965</originations><total>18525</total><denial_rate>0.1921727395411606</denial_rate><origination_rate>0.8078272604588395</origination_rate></row>
<row _id="1992"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>12688</denials><originations>90140</originations><total>102828</total><denial_rate>0.12339051620181274</denial_rate><origination_rate>0.8766094837981873</origination_rate></row>
<row _id="1993"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>257</denials><originations>340</originations><total>597</total><denial_rate>0.4304857621440536</denial_rate><origination_rate>0.5695142378559463</origination_rate></row>
<row _id="1994"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>417</denials><originations>299</originations><total>716</total><denial_rate>0.5824022346368715</denial_rate><origination_rate>0.4175977653631285</origination_rate></row>
<row _id="1995"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>975</denials><originations>1403</originations><total>2378</total><denial_rate>0.4100084104289319</denial_rate><origination_rate>0.5899915895710681</origination_rate></row>
<row _id="1996"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>141</denials><originations>125</originations><total>266</total><denial_rate>0.5300751879699248</denial_rate><origination_rate>0.4699248120300752</origination_rate></row>
<row _id="1997"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1315</denials><originations>2189</originations><total>3504</total><denial_rate>0.3752853881278539</denial_rate><origination_rate>0.6247146118721462</origination_rate></row>
<row _id="1998"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>3071</denials><originations>6762</originations><total>9833</total><denial_rate>0.3123156717176854</denial_rate><origination_rate>0.6876843282823146</origination_rate></row>
<row _id="1999"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>726</denials><originations>669</originations><total>1395</total><denial_rate>0.5204301075268817</denial_rate><origination_rate>0.47956989247311826</origination_rate></row>
<row _id="2000"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>2497</denials><originations>6271</originations><total>8768</total><denial_rate>0.28478558394160586</denial_rate><origination_rate>0.7152144160583942</origination_rate></row>
<row _id="2001"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>318</denials><originations>3652</originations><total>3970</total><denial_rate>0.0801007556675063</denial_rate><origination_rate>0.9198992443324937</origination_rate></row>
<row _id="2002"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>515</denials><originations>2895</originations><total>3410</total><denial_rate>0.15102639296187684</denial_rate><origination_rate>0.8489736070381232</origination_rate></row>
<row _id="2003"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>819</denials><originations>8060</originations><total>8879</total><denial_rate>0.09224011713030747</denial_rate><origination_rate>0.9077598828696926</origination_rate></row>
<row _id="2004"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>202</denials><originations>1393</originations><total>1595</total><denial_rate>0.12664576802507838</denial_rate><origination_rate>0.8733542319749217</origination_rate></row>
<row _id="2005"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>1027</denials><originations>11830</originations><total>12857</total><denial_rate>0.07987866531850354</denial_rate><origination_rate>0.9201213346814965</origination_rate></row>
<row _id="2006"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>2149</denials><originations>30819</originations><total>32968</total><denial_rate>0.06518442125697646</denial_rate><origination_rate>0.9348155787430236</origination_rate></row>
<row _id="2007"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>862</denials><originations>6734</originations><total>7596</total><denial_rate>0.11348077935755661</denial_rate><origination_rate>0.8865192206424434</origination_rate></row>
<row _id="2008"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1496</denials><originations>25344</originations><total>26840</total><denial_rate>0.05573770491803279</denial_rate><origination_rate>0.9442622950819672</origination_rate></row>
<row _id="2009"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>749</denials><originations>4514</originations><total>5263</total><denial_rate>0.14231426942808284</denial_rate><origination_rate>0.8576857305719171</origination_rate></row>
<row _id="2010"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>1126</denials><originations>2858</originations><total>3984</total><denial_rate>0.28263052208835343</denial_rate><origination_rate>0.7173694779116466</origination_rate></row>
<row _id="2011"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>3059</denials><originations>14311</originations><total>17370</total><denial_rate>0.17610823258491654</denial_rate><origination_rate>0.8238917674150835</origination_rate></row>
<row _id="2012"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>447</denials><originations>1468</originations><total>1915</total><denial_rate>0.23342036553524803</denial_rate><origination_rate>0.766579634464752</origination_rate></row>
<row _id="2013"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>4642</denials><originations>22250</originations><total>26892</total><denial_rate>0.1726163914918935</denial_rate><origination_rate>0.8273836085081065</origination_rate></row>
<row _id="2014"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>10222</denials><originations>64493</originations><total>74715</total><denial_rate>0.13681322358294853</denial_rate><origination_rate>0.8631867764170514</origination_rate></row>
<row _id="2015"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1972</denials><originations>7562</originations><total>9534</total><denial_rate>0.20683868260960772</denial_rate><origination_rate>0.7931613173903923</origination_rate></row>
<row _id="2016"><year>2021</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>8695</denials><originations>58525</originations><total>67220</total><denial_rate>0.12935138351681047</denial_rate><origination_rate>0.8706486164831895</origination_rate></row>
<row _id="2017"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Asian</demographic><denials>986</denials><originations>4664</originations><total>5650</total><denial_rate>0.1745132743362832</denial_rate><origination_rate>0.8254867256637168</origination_rate></row>
<row _id="2018"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Black</demographic><denials>1925</denials><originations>3952</originations><total>5877</total><denial_rate>0.3275480687425557</denial_rate><origination_rate>0.6724519312574443</origination_rate></row>
<row _id="2019"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Female</demographic><denials>3841</denials><originations>13032</originations><total>16873</total><denial_rate>0.2276417945830617</denial_rate><origination_rate>0.7723582054169383</origination_rate></row>
<row _id="2020"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Latinx</demographic><denials>692</denials><originations>1905</originations><total>2597</total><denial_rate>0.26646130150173275</denial_rate><origination_rate>0.7335386984982672</origination_rate></row>
<row _id="2021"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Male</demographic><denials>5367</denials><originations>19115</originations><total>24482</total><denial_rate>0.21922228576096725</denial_rate><origination_rate>0.7807777142390327</origination_rate></row>
<row _id="2022"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-Latinx</demographic><denials>11241</denials><originations>53142</originations><total>64383</total><denial_rate>0.1745957783887051</denial_rate><origination_rate>0.8254042216112949</origination_rate></row>
<row _id="2023"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>Non-White</demographic><denials>3044</denials><originations>8875</originations><total>11919</total><denial_rate>0.25539055289873314</denial_rate><origination_rate>0.7446094471012669</origination_rate></row>
<row _id="2024"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>All</purpose><demographic>White</demographic><denials>8831</denials><originations>45947</originations><total>54778</total><denial_rate>0.1612143561283727</denial_rate><origination_rate>0.8387856438716274</origination_rate></row>
<row _id="2025"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Asian</demographic><denials>341</denials><originations>503</originations><total>844</total><denial_rate>0.4040284360189573</denial_rate><origination_rate>0.5959715639810427</origination_rate></row>
<row _id="2026"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Black</demographic><denials>596</denials><originations>478</originations><total>1074</total><denial_rate>0.5549348230912476</denial_rate><origination_rate>0.4450651769087523</origination_rate></row>
<row _id="2027"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Female</demographic><denials>1262</denials><originations>2036</originations><total>3298</total><denial_rate>0.38265615524560337</denial_rate><origination_rate>0.6173438447543966</origination_rate></row>
<row _id="2028"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Latinx</demographic><denials>227</denials><originations>248</originations><total>475</total><denial_rate>0.47789473684210526</denial_rate><origination_rate>0.5221052631578947</origination_rate></row>
<row _id="2029"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Male</demographic><denials>1729</denials><originations>3201</originations><total>4930</total><denial_rate>0.350709939148073</denial_rate><origination_rate>0.649290060851927</origination_rate></row>
<row _id="2030"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-Latinx</demographic><denials>3718</denials><originations>9522</originations><total>13240</total><denial_rate>0.2808157099697885</denial_rate><origination_rate>0.7191842900302114</origination_rate></row>
<row _id="2031"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>Non-White</demographic><denials>990</denials><originations>1023</originations><total>2013</total><denial_rate>0.4918032786885246</denial_rate><origination_rate>0.5081967213114754</origination_rate></row>
<row _id="2032"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home improvement</purpose><demographic>White</demographic><denials>2975</denials><originations>8839</originations><total>11814</total><denial_rate>0.25181987472490264</denial_rate><origination_rate>0.7481801252750974</origination_rate></row>
<row _id="2033"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Asian</demographic><denials>351</denials><originations>3279</originations><total>3630</total><denial_rate>0.09669421487603305</denial_rate><origination_rate>0.903305785123967</origination_rate></row>
<row _id="2034"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Black</demographic><denials>423</denials><originations>2156</originations><total>2579</total><denial_rate>0.16401706087630866</denial_rate><origination_rate>0.8359829391236914</origination_rate></row>
<row _id="2035"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Female</demographic><denials>773</denials><originations>6365</originations><total>7138</total><denial_rate>0.10829363967497899</denial_rate><origination_rate>0.891706360325021</origination_rate></row>
<row _id="2036"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Latinx</demographic><denials>210</denials><originations>1167</originations><total>1377</total><denial_rate>0.15250544662309368</denial_rate><origination_rate>0.8474945533769063</origination_rate></row>
<row _id="2037"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Male</demographic><denials>999</denials><originations>9267</originations><total>10266</total><denial_rate>0.0973115137346581</denial_rate><origination_rate>0.9026884862653419</origination_rate></row>
<row _id="2038"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-Latinx</demographic><denials>2016</denials><originations>24906</originations><total>26922</total><denial_rate>0.0748829953198128</denial_rate><origination_rate>0.9251170046801872</origination_rate></row>
<row _id="2039"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>Non-White</demographic><denials>794</denials><originations>5576</originations><total>6370</total><denial_rate>0.12464678178963894</denial_rate><origination_rate>0.875353218210361</origination_rate></row>
<row _id="2040"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Home purchase</purpose><demographic>White</demographic><denials>1408</denials><originations>20209</originations><total>21617</total><denial_rate>0.06513392237590784</denial_rate><origination_rate>0.9348660776240921</origination_rate></row>
<row _id="2041"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Asian</demographic><denials>294</denials><originations>882</originations><total>1176</total><denial_rate>0.25</denial_rate><origination_rate>0.75</origination_rate></row>
<row _id="2042"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Black</demographic><denials>906</denials><originations>1318</originations><total>2224</total><denial_rate>0.4073741007194245</denial_rate><origination_rate>0.5926258992805755</origination_rate></row>
<row _id="2043"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Female</demographic><denials>1806</denials><originations>4631</originations><total>6437</total><denial_rate>0.2805654808140438</denial_rate><origination_rate>0.7194345191859562</origination_rate></row>
<row _id="2044"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Latinx</demographic><denials>255</denials><originations>490</originations><total>745</total><denial_rate>0.3422818791946309</denial_rate><origination_rate>0.6577181208053692</origination_rate></row>
<row _id="2045"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Male</demographic><denials>2639</denials><originations>6647</originations><total>9286</total><denial_rate>0.2841912556536722</denial_rate><origination_rate>0.7158087443463278</origination_rate></row>
<row _id="2046"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-Latinx</demographic><denials>5507</denials><originations>18714</originations><total>24221</total><denial_rate>0.22736468353907766</denial_rate><origination_rate>0.7726353164609223</origination_rate></row>
<row _id="2047"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>Non-White</demographic><denials>1260</denials><originations>2276</originations><total>3536</total><denial_rate>0.3563348416289593</denial_rate><origination_rate>0.6436651583710408</origination_rate></row>
<row _id="2048"><year>2022</year><geography>PA Suburban Counties Subregion</geography><purpose>Refinancing</purpose><demographic>White</demographic><denials>4448</denials><originations>16899</originations><total>21347</total><denial_rate>0.20836651520119923</denial_rate><origination_rate>0.7916334847988008</origination_rate></row>
</data>
