"Applications Considered" includes all applications with HMDA action codes 1, 2, and 3, excluding those that were denied for denial reason 7, which means that the application was incomplete. "Approval Rate" is the share of the considered applications that had action codes 1 or 2, meaning that the application was approved, whether or not the borrower accepted the offer. "Joint" ethnicity means that the application was submitted by multiple co-applicants and that the co-applicants were of different ethnicity. See HMDA Documentation for details.