{"model":"fair_lending_disparate_impact_audit","version":"1.0.0","kind":"lender_metric","target":"AIR (Adverse Impact Ratio) by protected class","data_source":"HMDA LAR (activity years 2018-2025)","reference_groups":{"race":"White","ethnicity":"Not Hispanic or Latino","sex":"Male"},"threshold":0.8,"min_group_size":30,"coverage":"Any HMDA-reporting lender. 5,000+ LEIs in hmda_lei_names.","cohort":"All decisioned home-loan applications (all purposes, all occupancies, all products). Filter by loan_purpose in a future v1.1 if needed.","endpoint":"/api/score_di_air"}