The Heller School For Social Policty And Management The Heller School For Social Policy and Management Brandeis University
High Interest Rate Loans (pre-2010) as Share of Refinance Loans by Race/Ethnicity
Year: 2009; Race/Ethnicity: Non-Hispanic White; Region: 100 Largest MSAs


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High Interest Rate Loans (pre-2010) as Share of Refinance Loans by Race/Ethnicity
Year: 2009; Race/Ethnicity: Non-Hispanic White; Ordered: alphabetically
Metro Area Value
Akron, OH 5.3%
Albany-Schenectady-Troy, NY 3.6%
Albuquerque, NM 2.6%
Allentown-Bethlehem-Easton, PA-NJ 4.2%
Atlanta-Sandy Springs-Marietta, GA 3.5%
Augusta-Richmond County, GA-SC 6.6%
Austin-Round Rock, TX 2.3%
Bakersfield, CA 2.5%
Baltimore-Towson, MD 2.3%
Baton Rouge, LA 10.3%
Birmingham-Hoover, AL 7.0%
Boise City-Nampa, ID 2.5%
Boston-Cambridge-Quincy, MA-NH 1.3%
Bridgeport-Stamford-Norwalk, CT 1.1%
Buffalo-Cheektowaga-Tonawanda, NY 5.2%
Cape Coral-Fort Myers, FL 2.0%
Charleston-North Charleston, SC 3.4%
Charlotte-Gastonia-Concord, NC-SC 2.5%
Chattanooga, TN-GA 12.6%
Chicago-Naperville-Joliet, IL-IN-WI 2.4%
Cincinnati-Middletown, OH-KY-IN 2.8%
Cleveland-Elyria-Mentor, OH 3.9%
Colorado Springs, CO 2.1%
Columbia, SC 4.3%
Columbus, OH 2.6%
Dallas-Fort Worth-Arlington, TX 3.7%
Dayton, OH 3.2%
Denver-Aurora, CO 1.7%
Des Moines, IA 4.2%
Detroit-Warren-Livonia, MI 4.2%
El Paso, TX 9.4%
Fresno, CA 2.7%
Grand Rapids-Wyoming, MI 4.5%
Greensboro-High Point, NC 3.5%
Greenville, SC 4.2%
Harrisburg-Carlisle, PA 6.8%
Hartford-West Hartford-East Hartford, CT 2.1%
Honolulu, HI 0.5%
Houston-Baytown-Sugar Land, TX 4.2%
Indianapolis, IN 3.3%
Jackson, MS 10.2%
Jacksonville, FL 2.3%
Kansas City, MO-KS 4.5%
Knoxville, TN 5.1%
Lakeland-Winter Haven, FL 10.4%
Lancaster, PA 4.1%
Las Vegas-Paradise, NV 2.4%
Little Rock-North Little Rock, AR 5.0%
Los Angeles-Long Beach-Santa Ana, CA 0.8%
Louisville, KY-IN 4.7%
Madison, WI 1.6%
McAllen-Edinburg-Pharr, TX 11.1%
Memphis, TN-MS-AR 5.8%
Miami-Fort Lauderdale-Miami Beach, FL 2.6%
Milwaukee-Waukesha-West Allis, WI 2.5%
Minneapolis-St. Paul-Bloomington, MN-WI 2.0%
Modesto, CA 2.3%
Nashville-Davidson-Murfreesboro, TN 5.7%
New Haven-Milford, CT 2.1%
New Orleans-Metairie-Kenner, LA 6.1%
New York-Newark-Edison, NY-NJ-PA 1.8%
Ogden-Clearfield, UT 3.6%
Oklahoma City, OK 8.9%
Omaha-Council Bluffs, NE-IA 4.6%
Orlando, FL 2.8%
Oxnard-Thousand Oaks-Ventura, CA 0.7%
Palm Bay-Melbourne-Titusville, FL 3.3%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 2.7%
Phoenix-Mesa-Scottsdale, AZ 2.4%
Pittsburgh, PA 6.7%
Portland-Vancouver-Beaverton, OR-WA 1.5%
Poughkeepsie-Newburgh-Middletown, NY 3.1%
Providence-New Bedford-Fall River, RI-MA 2.2%
Provo-Orem, UT 2.5%
Raleigh-Cary, NC 1.5%
Richmond, VA 2.7%
Riverside-San Bernardino-Ontario, CA 2.4%
Rochester, NY 4.8%
Sacramento-Arden-Arcade-Roseville, CA 1.3%
Salt Lake City, UT 3.0%
San Antonio, TX 4.9%
San Diego-Carlsbad-San Marcos, CA 0.8%
San Francisco-Oakland-Fremont, CA 0.5%
San Jose-Sunnyvale-Santa Clara, CA 0.4%
Sarasota-Bradenton-Venice, FL 2.3%
Scranton-Wilkes-Barre, PA 7.2%
Seattle-Tacoma-Bellevue, WA 1.9%
Springfield, MA 2.5%
St. Louis, MO-IL 3.5%
Stockton, CA 2.2%
Syracuse, NY 4.6%
Tampa-St. Petersburg-Clearwater, FL 3.4%
Toledo, OH 3.8%
Tucson, AZ 2.3%
Tulsa, OK 8.3%
Virginia Beach-Norfolk-Newport News, VA-NC 2.3%
Washington-Arlington-Alexandria, DC-VA-MD-WV 1.0%
Wichita, KS 7.0%
Worcester, MA 1.9%
Youngstown-Warren-Boardman, OH-PA 10.7%

Definition: Share of refinance loans that have an APR (annual percentage rate) at least 3 percentage points higher than the interest rate of U.S. Treasury securities of the same maturity.

Notes: Due to changes in the definition of high interest loans, this indicator only reflects loans with application dates before October 1, 2009.  Includes only originated, first-lien loans for owner-occupied, 1-4 family homes or manufactured homes. Race/ethnicity refers to the primary borrower.  Excludes data for metro areas with less than 50 loans for each race/ethnic group. Hispanics may be of any race. When borrower self identifies as more than one race, race category refers to first race specified. 

Source: Analysis of Home Mortgage Disclosure Act Data from the Federal Financial Institutions Examination Council.