Town of Arlington, Fair Housing Action Plan (July 2021)

Citation: Town of Arlington, Fair Housing Action Plan (July 2021)
Jurisdiction: Arlington (municipal)
Source: Official source
Original Source: https://www.arlingtonma.gov/home/showpublisheddocument/57214/637641171662530000 ↗

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Loans by Sex
Of the 2,740 applications in Arlington where the sex of the primary applicant was reported, the majority of
applicants were male (67%), and the minority were female (33%). (HMDA data is reported by sex and not
gender; no data on gender identity is reported, and it is unclear to what degree the data conflates the two.)
Though male applicants almost always outnumbered female applicants, application rates are more evenly
divided across lower-income applicants and less evenly divided across high-income applicants. This dynamic held
true for couples as well as individual loan applicants. Overall, application volume by sex was similar in Arlington
and the comparison region. Denial rates were roughly similar regardless of sex in both Arlington and the
comparison region.

Table 23: Application Volume in Arlington by Income and Sex (HMDA, 2013-2017)

SEX OF PRIMARY APPLICANT FEMALE MALE TOTAL

Lowest-Income ($0 - $24,999) 0 0% 1 100% 1
Lower-Income ($25,000 - $74,999) 115 53% 100 47% 215
Moderate-Income ($75,000 - $124,999) 306 40% 459 60% 765
High-Income ($125,000 +) 474 27% 1,285 73% 1,759
Total 895 33% 1,845 67% 2,740

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Arlington Fair Housing Action Plan

Table 24: Application Volume in Comparison Region by Income and Sex (HMDA, 2013-2017)

SEX OF PRIMARY APPLICANT FEMALE MALE TOTAL

Lowest-Income ($0 - $24,999) 74 39% 118 61% 192
Lower-Income ($25,000 - $74,999) 5,887 48% 6,495 52% 12,382
Moderate-Income ($75,000 - $124,999) 8,209 37% 13,713 63% 21,922
High-Income ($125,000 +) 11,198 27% 30,277 73% 41,475
Total 25,368 33% 50,603 67% 75,971

Table 25: Application Volume in Arlington by Income and Sex (HMDA, 2013-2017)

SEX OF PRIMARY APPLICANT FEMALE MALE