{
 "generated": "2026-09-06",
 "bands": [
  {
   "band": "<$100K",
   "apps": 51493,
   "denial_rate_pct": 46.9,
   "collateral_share_pct": 25.9,
   "dti_share_pct": null,
   "credit_history_share_pct": 29.4
  },
  {
   "band": "$100-150K",
   "apps": 99218,
   "denial_rate_pct": 30.2,
   "collateral_share_pct": 25.2,
   "dti_share_pct": 22.3,
   "credit_history_share_pct": 26.8
  },
  {
   "band": "$150-200K",
   "apps": 151778,
   "denial_rate_pct": 23.9,
   "collateral_share_pct": 22.1,
   "dti_share_pct": 27.5,
   "credit_history_share_pct": 26.8
  },
  {
   "band": "$200-250K",
   "apps": 180775,
   "denial_rate_pct": 21.2,
   "collateral_share_pct": 18.2,
   "dti_share_pct": 31.8,
   "credit_history_share_pct": 25.8
  },
  {
   "band": "$250-300K",
   "apps": 187154,
   "denial_rate_pct": 19.2,
   "collateral_share_pct": 15.6,
   "dti_share_pct": 35.3,
   "credit_history_share_pct": 24.7
  },
  {
   "band": "$300-400K",
   "apps": 286054,
   "denial_rate_pct": 18.5,
   "collateral_share_pct": 14.1,
   "dti_share_pct": 37.6,
   "credit_history_share_pct": 23.4
  },
  {
   "band": "$400K+",
   "apps": 260825,
   "denial_rate_pct": 18.5,
   "collateral_share_pct": null,
   "dti_share_pct": 38.3,
   "credit_history_share_pct": 19.8
  }
 ],
 "ny_context": {
  "collateral_share_small_loans_pct": 25.9,
  "collateral_share_300_400k_pct": 14.1,
  "ny_metro_decisioned_apps": 7144,
  "ny_metro_rank_by_volume": 31,
  "metros_covered": 319,
  "houston_apps": 33798,
  "ny_denial_rate_pct": 29.1,
  "national_rate_pct": 22.1
 }
}