Table 4 Area Level Characteristics within Lending Trajectories

# of Census tracts

721

317

58

292

54

Standardized mortality ratio

1.277 (2.656)

1.968 (3.124)

0.817 (1.628)

0.821 (2.298)

0.179 (0.607)

<0.001

Probability of RR > 4

0.090 (0.204)

0.145 (0.235)

0.021 (0.042)

0.060 (0.190)

0.002 (0.013)

<0.001

Relative risk

1.352 (1.736)

2.047 (1.784)

0.839 (0.909)

0.912 (1.671)

0.197 (0.363)

<0.001

Historic redlining score

3.241 (0.608)

3.425 (0.468)

2.326 (0.325)

3.401 (0.469)

2.277 (0.434)

<0.001

Loans per 1000

41.749 (35.278)

24.243 (25.524)

27.034 (17.960)

63.493 (37.244)

42.741 (19.598)

<0.001

Rate spread

1.338 (1.645)

1.987 (1.732)

2.483 (2.113)

0.500 (0.951)

0.833 (1.023)

<0.001

% Minoritized Pop.

68.639 (30.125)

87.223 (18.909)

71.364 (28.572)

53.349 (28.738)

39.293 (23.342)

<0.001

Racial segregation

0.389 (0.214)

0.353 (0.268)

0.437 (0.173)

0.342 (0.231)

0.441 (0.185)

<0.001

Population (2019)

3,495.394 (1809.748)

3,429.927 (1693.641)

4,359.897 (1723.399)

3,183.421 (1856.054)

4,638.130 (1603.666)

<0.001

Housing age

67.105 (13.812)

68.606 (10.924)

67.362 (8.041)

65.613 (17.608)

66.093 (9.014)

0.058

Property to loan ratio

1.216 (1.957)

1.244 (1.785)

1.664 (3.780)

1.123 (1.777)

1.075 (0.163)

0.255

Interest rate

4.711 (0.602)

4.908 (0.692)

4.710 (0.741)

4.516 (0.429)

4.615 (0.142)

<0.001

Area deprivation

104.001 (20.067)

115.651 (13.512)

105.577 (14.720)

93.533 (20.558)

90.531 (15.018)

<0.001