The Heller School For Social Policty And Management The Heller School For Social Policy and Management Brandeis University
High Interest Rate Loans (2010) as Share of Refinance Loans by Neighborhood Racial/Ethnic Composition
Year: 2010; Neighborhood Racial/Ethnic Composition: All; Ordered: alphabetically; Region: 100 Largest MSAs

Year
Neighborhood Racial/Ethnic Composition



Sort Order
Sort Options


Select Regions


Notes and Sources
Update this Report

Scale Range: 0.0% – 34.7%

1: Akron, OH Value Scale
Predominantly Minority Neighborhood 13.8% Barchart image
Mixed Neighborhood 1.3% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.2% Barchart image
2: Albany-Schenectady-Troy, NY Value Scale
Predominantly Minority Neighborhood 4.8% Barchart image
Mixed Neighborhood 1.4% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.2% Barchart image
3: Albuquerque, NM Value Scale
Predominantly Minority Neighborhood 1.7% Barchart image
Mixed Neighborhood 1.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.0% Barchart image
4: Allentown-Bethlehem-Easton, PA-NJ Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 1.9% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.1% Barchart image
5: Atlanta-Sandy Springs-Marietta, GA Value Scale
Predominantly Minority Neighborhood 3.7% Barchart image
Mixed Neighborhood 1.2% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.3% Barchart image
6: Augusta-Richmond County, GA-SC Value Scale
Predominantly Minority Neighborhood 13.0% Barchart image
Mixed Neighborhood 3.5% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.0% Barchart image
7: Austin-Round Rock, TX Value Scale
Predominantly Minority Neighborhood 8.5% Barchart image
Mixed Neighborhood 1.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.4% Barchart image
8: Bakersfield, CA Value Scale
Predominantly Minority Neighborhood 2.3% Barchart image
Mixed Neighborhood 1.3% Barchart image
Predominantly Non-Hispanic White Neighborhood
9: Baltimore-Towson, MD Value Scale
Predominantly Minority Neighborhood 17.9% Barchart image
Mixed Neighborhood 1.2% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.9% Barchart image
10: Baton Rouge, LA Value Scale
Predominantly Minority Neighborhood 15.9% Barchart image
Mixed Neighborhood 4.6% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.7% Barchart image
11: Birmingham-Hoover, AL Value Scale
Predominantly Minority Neighborhood 25.4% Barchart image
Mixed Neighborhood 4.5% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.6% Barchart image
12: Boise City-Nampa, ID Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 1.4% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.9% Barchart image
13: Boston-Cambridge-Quincy, MA-NH Value Scale
Predominantly Minority Neighborhood 2.0% Barchart image
Mixed Neighborhood 0.3% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.3% Barchart image
14: Bridgeport-Stamford-Norwalk, CT Value Scale
Predominantly Minority Neighborhood 6.2% Barchart image
Mixed Neighborhood 0.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.3% Barchart image
15: Buffalo-Cheektowaga-Tonawanda, NY Value Scale
Predominantly Minority Neighborhood 8.7% Barchart image
Mixed Neighborhood 1.4% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.5% Barchart image
16: Cape Coral-Fort Myers, FL Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 2.3% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.1% Barchart image
17: Charleston-North Charleston, SC Value Scale
Predominantly Minority Neighborhood 5.4% Barchart image
Mixed Neighborhood 2.4% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.8% Barchart image
18: Charlotte-Gastonia-Concord, NC-SC Value Scale
Predominantly Minority Neighborhood 7.2% Barchart image
Mixed Neighborhood 1.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.3% Barchart image
19: Chattanooga, TN-GA Value Scale
Predominantly Minority Neighborhood 5.2% Barchart image
Mixed Neighborhood 3.0% Barchart image
Predominantly Non-Hispanic White Neighborhood 6.6% Barchart image
20: Chicago-Naperville-Joliet, IL-IN-WI Value Scale
Predominantly Minority Neighborhood 7.2% Barchart image
Mixed Neighborhood 0.7% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.6% Barchart image
21: Cincinnati-Middletown, OH-KY-IN Value Scale
Predominantly Minority Neighborhood 5.0% Barchart image
Mixed Neighborhood 1.1% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.1% Barchart image
22: Cleveland-Elyria-Mentor, OH Value Scale
Predominantly Minority Neighborhood 15.0% Barchart image
Mixed Neighborhood 1.9% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.1% Barchart image
23: Colorado Springs, CO Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 0.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.9% Barchart image
24: Columbia, SC Value Scale
Predominantly Minority Neighborhood 6.2% Barchart image
Mixed Neighborhood 1.9% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.8% Barchart image
25: Columbus, OH Value Scale
Predominantly Minority Neighborhood 2.6% Barchart image
Mixed Neighborhood 1.3% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.0% Barchart image
26: Dallas-Fort Worth-Arlington, TX Value Scale
Predominantly Minority Neighborhood 21.4% Barchart image
Mixed Neighborhood 2.2% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.7% Barchart image
27: Dayton, OH Value Scale
Predominantly Minority Neighborhood 11.7% Barchart image
Mixed Neighborhood 1.4% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.1% Barchart image
28: Denver-Aurora, CO Value Scale
Predominantly Minority Neighborhood 1.3% Barchart image
Mixed Neighborhood 0.6% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.6% Barchart image
29: Des Moines, IA Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 3.6% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.4% Barchart image
30: Detroit-Warren-Livonia, MI Value Scale
Predominantly Minority Neighborhood 13.3% Barchart image
Mixed Neighborhood 0.9% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.1% Barchart image
31: El Paso, TX Value Scale
Predominantly Minority Neighborhood 18.0% Barchart image
Mixed Neighborhood 8.9% Barchart image
Predominantly Non-Hispanic White Neighborhood
32: Fresno, CA Value Scale
Predominantly Minority Neighborhood 4.5% Barchart image
Mixed Neighborhood 1.0% Barchart image
Predominantly Non-Hispanic White Neighborhood
33: Grand Rapids-Wyoming, MI Value Scale
Predominantly Minority Neighborhood 27.3% Barchart image
Mixed Neighborhood 2.0% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.3% Barchart image
34: Greensboro-High Point, NC Value Scale
Predominantly Minority Neighborhood 11.7% Barchart image
Mixed Neighborhood 2.7% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.3% Barchart image
35: Greenville, SC Value Scale
Predominantly Minority Neighborhood 15.2% Barchart image
Mixed Neighborhood 2.4% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.7% Barchart image
36: Harrisburg-Carlisle, PA Value Scale
Predominantly Minority Neighborhood 14.7% Barchart image
Mixed Neighborhood 2.0% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.0% Barchart image
37: Hartford-West Hartford-East Hartford, CT Value Scale
Predominantly Minority Neighborhood 3.0% Barchart image
Mixed Neighborhood 0.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.6% Barchart image
38: Honolulu, HI Value Scale
Predominantly Minority Neighborhood 0.5% Barchart image
Mixed Neighborhood 0.7% Barchart image
Predominantly Non-Hispanic White Neighborhood
39: Houston-Baytown-Sugar Land, TX Value Scale
Predominantly Minority Neighborhood 14.2% Barchart image
Mixed Neighborhood 3.2% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.0% Barchart image
40: Indianapolis, IN Value Scale
Predominantly Minority Neighborhood 6.3% Barchart image
Mixed Neighborhood 1.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.9% Barchart image
41: Jackson, MS Value Scale
Predominantly Minority Neighborhood 11.8% Barchart image
Mixed Neighborhood 2.7% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.7% Barchart image
42: Jacksonville, FL Value Scale
Predominantly Minority Neighborhood 34.7% Barchart image
Mixed Neighborhood 2.1% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.3% Barchart image
43: Kansas City, MO-KS Value Scale
Predominantly Minority Neighborhood 16.8% Barchart image
Mixed Neighborhood 1.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.8% Barchart image
44: Knoxville, TN Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 2.2% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.0% Barchart image
45: Lakeland-Winter Haven, FL Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 6.3% Barchart image
Predominantly Non-Hispanic White Neighborhood 6.7% Barchart image
46: Lancaster, PA Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 1.5% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.2% Barchart image
47: Las Vegas-Paradise, NV Value Scale
Predominantly Minority Neighborhood 2.0% Barchart image
Mixed Neighborhood 1.1% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.3% Barchart image
48: Little Rock-North Little Rock, AR Value Scale
Predominantly Minority Neighborhood 22.2% Barchart image
Mixed Neighborhood 2.6% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.1% Barchart image
49: Los Angeles-Long Beach-Santa Ana, CA Value Scale
Predominantly Minority Neighborhood 1.9% Barchart image
Mixed Neighborhood 0.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.0% Barchart image
50: Louisville, KY-IN Value Scale
Predominantly Minority Neighborhood 4.1% Barchart image
Mixed Neighborhood 1.9% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.0% Barchart image
51: Madison, WI Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 0.6% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.8% Barchart image
52: McAllen-Edinburg-Pharr, TX Value Scale
Predominantly Minority Neighborhood 14.7% Barchart image
Mixed Neighborhood 6.1% Barchart image
Predominantly Non-Hispanic White Neighborhood
53: Memphis, TN-MS-AR Value Scale
Predominantly Minority Neighborhood 13.9% Barchart image
Mixed Neighborhood 2.7% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.8% Barchart image
54: Miami-Fort Lauderdale-Miami Beach, FL Value Scale
Predominantly Minority Neighborhood 11.6% Barchart image
Mixed Neighborhood 1.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.6% Barchart image
55: Milwaukee-Waukesha-West Allis, WI Value Scale
Predominantly Minority Neighborhood 8.4% Barchart image
Mixed Neighborhood 1.1% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.6% Barchart image
56: Minneapolis-St. Paul-Bloomington, MN-WI Value Scale
Predominantly Minority Neighborhood 5.3% Barchart image
Mixed Neighborhood 0.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.8% Barchart image
57: Modesto, CA Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 1.0% Barchart image
Predominantly Non-Hispanic White Neighborhood
58: Nashville-Davidson-Murfreesboro, TN Value Scale
Predominantly Minority Neighborhood 9.5% Barchart image
Mixed Neighborhood 2.2% Barchart image
Predominantly Non-Hispanic White Neighborhood 3.6% Barchart image
59: New Haven-Milford, CT Value Scale
Predominantly Minority Neighborhood 5.3% Barchart image
Mixed Neighborhood 1.3% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.6% Barchart image
60: New Orleans-Metairie-Kenner, LA Value Scale
Predominantly Minority Neighborhood 20.2% Barchart image
Mixed Neighborhood 3.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.2% Barchart image
61: New York-Newark-Edison, NY-NJ-PA Value Scale
Predominantly Minority Neighborhood 4.7% Barchart image
Mixed Neighborhood 0.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.9% Barchart image
62: Ogden-Clearfield, UT Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 1.1% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.9% Barchart image
63: Oklahoma City, OK Value Scale
Predominantly Minority Neighborhood 14.6% Barchart image
Mixed Neighborhood 4.9% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.8% Barchart image
64: Omaha-Council Bluffs, NE-IA Value Scale
Predominantly Minority Neighborhood 16.7% Barchart image
Mixed Neighborhood 2.0% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.2% Barchart image
65: Orlando, FL Value Scale
Predominantly Minority Neighborhood 12.3% Barchart image
Mixed Neighborhood 2.0% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.4% Barchart image
66: Oxnard-Thousand Oaks-Ventura, CA Value Scale
Predominantly Minority Neighborhood 0.5% Barchart image
Mixed Neighborhood 0.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.0% Barchart image
67: Palm Bay-Melbourne-Titusville, FL Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 1.4% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.6% Barchart image
68: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Value Scale
Predominantly Minority Neighborhood 14.8% Barchart image
Mixed Neighborhood 1.4% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.9% Barchart image
69: Phoenix-Mesa-Scottsdale, AZ Value Scale
Predominantly Minority Neighborhood 2.5% Barchart image
Mixed Neighborhood 0.9% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.2% Barchart image
70: Pittsburgh, PA Value Scale
Predominantly Minority Neighborhood 9.8% Barchart image
Mixed Neighborhood 2.1% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.8% Barchart image
71: Portland-Vancouver-Beaverton, OR-WA Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 0.7% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.9% Barchart image
72: Poughkeepsie-Newburgh-Middletown, NY Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 1.3% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.0% Barchart image
73: Providence-New Bedford-Fall River, RI-MA Value Scale
Predominantly Minority Neighborhood 3.0% Barchart image
Mixed Neighborhood 0.7% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.7% Barchart image
74: Provo-Orem, UT Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 1.2% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.8% Barchart image
75: Raleigh-Cary, NC Value Scale
Predominantly Minority Neighborhood 10.1% Barchart image
Mixed Neighborhood 1.6% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.8% Barchart image
76: Richmond, VA Value Scale
Predominantly Minority Neighborhood 8.8% Barchart image
Mixed Neighborhood 1.6% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.8% Barchart image
77: Riverside-San Bernardino-Ontario, CA Value Scale
Predominantly Minority Neighborhood 1.7% Barchart image
Mixed Neighborhood 1.2% Barchart image
Predominantly Non-Hispanic White Neighborhood 4.1% Barchart image
78: Rochester, NY Value Scale
Predominantly Minority Neighborhood 15.6% Barchart image
Mixed Neighborhood 2.2% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.1% Barchart image
79: Sacramento-Arden-Arcade-Roseville, CA Value Scale
Predominantly Minority Neighborhood 2.5% Barchart image
Mixed Neighborhood 0.6% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.6% Barchart image
80: Salt Lake City, UT Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 1.2% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.8% Barchart image
81: San Antonio, TX Value Scale
Predominantly Minority Neighborhood 23.5% Barchart image
Mixed Neighborhood 3.8% Barchart image
Predominantly Non-Hispanic White Neighborhood
82: San Diego-Carlsbad-San Marcos, CA Value Scale
Predominantly Minority Neighborhood 0.6% Barchart image
Mixed Neighborhood 0.9% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.0% Barchart image
83: San Francisco-Oakland-Fremont, CA Value Scale
Predominantly Minority Neighborhood 0.8% Barchart image
Mixed Neighborhood 0.4% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.5% Barchart image
84: San Jose-Sunnyvale-Santa Clara, CA Value Scale
Predominantly Minority Neighborhood 0.3% Barchart image
Mixed Neighborhood 0.3% Barchart image
Predominantly Non-Hispanic White Neighborhood
85: Sarasota-Bradenton-Venice, FL Value Scale
Predominantly Minority Neighborhood 0.0% Barchart image
Mixed Neighborhood 2.9% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.8% Barchart image
86: Scranton-Wilkes-Barre, PA Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 4.3% Barchart image
Predominantly Non-Hispanic White Neighborhood 3.0% Barchart image
87: Seattle-Tacoma-Bellevue, WA Value Scale
Predominantly Minority Neighborhood 0.8% Barchart image
Mixed Neighborhood 0.6% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.7% Barchart image
88: Springfield, MA Value Scale
Predominantly Minority Neighborhood 10.3% Barchart image
Mixed Neighborhood 1.3% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.8% Barchart image
89: St. Louis, MO-IL Value Scale
Predominantly Minority Neighborhood 18.1% Barchart image
Mixed Neighborhood 1.5% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.2% Barchart image
90: Stockton, CA Value Scale
Predominantly Minority Neighborhood 4.0% Barchart image
Mixed Neighborhood 0.9% Barchart image
Predominantly Non-Hispanic White Neighborhood
91: Syracuse, NY Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 3.6% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.5% Barchart image
92: Tampa-St. Petersburg-Clearwater, FL Value Scale
Predominantly Minority Neighborhood 24.7% Barchart image
Mixed Neighborhood 1.9% Barchart image
Predominantly Non-Hispanic White Neighborhood 2.2% Barchart image
93: Toledo, OH Value Scale
Predominantly Minority Neighborhood 12.5% Barchart image
Mixed Neighborhood 1.6% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.4% Barchart image
94: Tucson, AZ Value Scale
Predominantly Minority Neighborhood 3.7% Barchart image
Mixed Neighborhood 1.1% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.4% Barchart image
95: Tulsa, OK Value Scale
Predominantly Minority Neighborhood 7.5% Barchart image
Mixed Neighborhood 4.4% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.3% Barchart image
96: Virginia Beach-Norfolk-Newport News, VA-NC Value Scale
Predominantly Minority Neighborhood 7.1% Barchart image
Mixed Neighborhood 1.7% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.8% Barchart image
97: Washington-Arlington-Alexandria, DC-VA-MD-WV Value Scale
Predominantly Minority Neighborhood 3.3% Barchart image
Mixed Neighborhood 0.4% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.6% Barchart image
98: Wichita, KS Value Scale
Predominantly Minority Neighborhood 8.7% Barchart image
Mixed Neighborhood 2.7% Barchart image
Predominantly Non-Hispanic White Neighborhood 1.9% Barchart image
99: Worcester, MA Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 0.8% Barchart image
Predominantly Non-Hispanic White Neighborhood 0.6% Barchart image
100: Youngstown-Warren-Boardman, OH-PA Value Scale
Predominantly Minority Neighborhood
Mixed Neighborhood 6.4% Barchart image
Predominantly Non-Hispanic White Neighborhood 4.2% Barchart image

Definition: Share of home refinance loans that have an APR (annual percentage rate) at least 1.5 percentage points higher than the estimated Average Prime Offer Rate for loans extended to  prime borrowers based on the rates reported by Freddie Mac in its Primary Mortgage Market Survey®.  This definition of high interest loans differs from that used prior to 2010.

Notes: Includes only originated, first-lien loans for owner-occupied, 1-4 family homes or manufactured homes.  Excludes data for metro areas with less than 20 loans for each neighborhood type. Hispanics may be of any race. When borrower self identifies as more than one race, race category refers to first race specified. Predominantly non-Hispanic white neighborhoods defined as those that were less than 10% minority in 2000. Predominantly minority neighborhoods defined as those that were 80% or more minority in 2000. Mixed neighborhoods defined as those that were between 10% and 80% minority in 2000. 

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