metric,value,definition
records_used,859090,"Decisioned FHA applications in model sample (actions 1,2,3; loan_type 2; complete covariates)"
raw_denial_rate,0.2188,Pooled denial rate on model sample
mcfadden_r2_profile_only,0.1712,Model A: applicant/loan characteristics + state FE
mcfadden_r2_with_lender,0.276,Model B: Model A + lender fixed effects (LEI)
door_effect_share_of_explained,0.3797,"(R2_B - R2_A) / R2_B — share of EXPLAINABLE variation associated with lender identity; associational, not causal"