High Interest Rate Loans (pre-2010) as Share of Refinance Loans by Race/Ethnicity

Year: 2009; Race/Ethnicity: All; Ordered: alphabetically; Region: 100 Largest MSAs

Why don’t my MSA choices always appear consistently across all reports?

Scale Range: 0.0% – 29.4%

1: Akron, OH	Value
Non-Hispanic White	5.3%
Hispanic	4.8%
Non-Hispanic Black	7.0%
Non-Hispanic Asian/Pac. Islander	3.0%
Non-Hispanic American Indian	–

2: Albany-Schenectady-Troy, NY	Value
Non-Hispanic White	3.6%
Hispanic	7.1%
Non-Hispanic Black	7.1%
Non-Hispanic Asian/Pac. Islander	2.8%
Non-Hispanic American Indian	–

3: Albuquerque, NM	Value
Non-Hispanic White	2.6%
Hispanic	5.3%
Non-Hispanic Black	7.9%
Non-Hispanic Asian/Pac. Islander	1.4%
Non-Hispanic American Indian	3.2%

4: Allentown-Bethlehem-Easton, PA-NJ	Value
Non-Hispanic White	4.2%
Hispanic	6.3%
Non-Hispanic Black	9.3%
Non-Hispanic Asian/Pac. Islander	0.9%
Non-Hispanic American Indian	–

5: Atlanta-Sandy Springs-Marietta, GA	Value
Non-Hispanic White	3.5%
Hispanic	5.8%
Non-Hispanic Black	6.6%
Non-Hispanic Asian/Pac. Islander	0.9%
Non-Hispanic American Indian	2.7%

6: Augusta-Richmond County, GA-SC	Value
Non-Hispanic White	6.6%
Hispanic	6.3%
Non-Hispanic Black	10.0%
Non-Hispanic Asian/Pac. Islander	2.9%
Non-Hispanic American Indian	–

7: Austin-Round Rock, TX	Value
Non-Hispanic White	2.3%
Hispanic	7.4%
Non-Hispanic Black	7.6%
Non-Hispanic Asian/Pac. Islander	0.7%
Non-Hispanic American Indian	2.9%

8: Bakersfield, CA	Value
Non-Hispanic White	2.5%
Hispanic	6.3%
Non-Hispanic Black	1.3%
Non-Hispanic Asian/Pac. Islander	2.8%
Non-Hispanic American Indian	–

9: Baltimore-Towson, MD	Value
Non-Hispanic White	2.3%
Hispanic	1.6%
Non-Hispanic Black	7.9%
Non-Hispanic Asian/Pac. Islander	1.0%
Non-Hispanic American Indian	2.9%

10: Baton Rouge, LA	Value
Non-Hispanic White	10.3%
Hispanic	8.0%
Non-Hispanic Black	23.6%
Non-Hispanic Asian/Pac. Islander	5.0%
Non-Hispanic American Indian	–

11: Birmingham-Hoover, AL	Value
Non-Hispanic White	7.0%
Hispanic	13.5%
Non-Hispanic Black	15.1%
Non-Hispanic Asian/Pac. Islander	0.5%
Non-Hispanic American Indian	–

12: Boise City-Nampa, ID	Value
Non-Hispanic White	2.5%
Hispanic	5.5%
Non-Hispanic Black	–
Non-Hispanic Asian/Pac. Islander	3.0%
Non-Hispanic American Indian	–

13: Boston-Cambridge-Quincy, MA-NH	Value
Non-Hispanic White	1.3%
Hispanic	3.4%
Non-Hispanic Black	4.2%
Non-Hispanic Asian/Pac. Islander	0.6%
Non-Hispanic American Indian	0.6%

14: Bridgeport-Stamford-Norwalk, CT	Value
Non-Hispanic White	1.1%
Hispanic	2.6%
Non-Hispanic Black	3.1%
Non-Hispanic Asian/Pac. Islander	1.3%
Non-Hispanic American Indian	–

15: Buffalo-Cheektowaga-Tonawanda, NY	Value
Non-Hispanic White	5.2%
Hispanic	1.4%
Non-Hispanic Black	15.0%
Non-Hispanic Asian/Pac. Islander	0.0%
Non-Hispanic American Indian	–

16: Cape Coral-Fort Myers, FL	Value
Non-Hispanic White	2.0%
Hispanic	4.9%
Non-Hispanic Black	–
Non-Hispanic Asian/Pac. Islander	–
Non-Hispanic American Indian	–

17: Charleston-North Charleston, SC	Value
Non-Hispanic White	3.4%
Hispanic	3.1%
Non-Hispanic Black	11.8%
Non-Hispanic Asian/Pac. Islander	2.0%
Non-Hispanic American Indian	–

18: Charlotte-Gastonia-Concord, NC-SC	Value
Non-Hispanic White	2.5%
Hispanic	3.2%
Non-Hispanic Black	7.0%
Non-Hispanic Asian/Pac. Islander	0.7%
Non-Hispanic American Indian	0.0%

19: Chattanooga, TN-GA	Value
Non-Hispanic White	12.6%
Hispanic	2.8%
Non-Hispanic Black	13.4%
Non-Hispanic Asian/Pac. Islander	3.6%
Non-Hispanic American Indian	–

20: Chicago-Naperville-Joliet, IL-IN-WI	Value
Non-Hispanic White	2.4%
Hispanic	6.1%
Non-Hispanic Black	9.5%
Non-Hispanic Asian/Pac. Islander	1.1%
Non-Hispanic American Indian	5.7%

21: Cincinnati-Middletown, OH-KY-IN	Value
Non-Hispanic White	2.8%
Hispanic	4.6%
Non-Hispanic Black	7.7%
Non-Hispanic Asian/Pac. Islander	0.9%
Non-Hispanic American Indian	4.1%

22: Cleveland-Elyria-Mentor, OH	Value
Non-Hispanic White	3.9%
Hispanic	5.2%
Non-Hispanic Black	10.7%
Non-Hispanic Asian/Pac. Islander	1.9%
Non-Hispanic American Indian	–

23: Colorado Springs, CO	Value
Non-Hispanic White	2.1%
Hispanic	2.9%
Non-Hispanic Black	3.1%
Non-Hispanic Asian/Pac. Islander	2.3%
Non-Hispanic American Indian	4.2%

24: Columbia, SC	Value
Non-Hispanic White	4.3%
Hispanic	4.8%
Non-Hispanic Black	9.8%
Non-Hispanic Asian/Pac. Islander	2.0%
Non-Hispanic American Indian	–

25: Columbus, OH	Value
Non-Hispanic White	2.6%
Hispanic	5.2%
Non-Hispanic Black	5.6%
Non-Hispanic Asian/Pac. Islander	0.4%
Non-Hispanic American Indian	–

26: Dallas-Fort Worth-Arlington, TX	Value
Non-Hispanic White	3.7%
Hispanic	9.2%
Non-Hispanic Black	7.6%
Non-Hispanic Asian/Pac. Islander	1.6%
Non-Hispanic American Indian	4.0%

27: Dayton, OH	Value
Non-Hispanic White	3.2%
Hispanic	0.9%
Non-Hispanic Black	8.6%
Non-Hispanic Asian/Pac. Islander	2.0%
Non-Hispanic American Indian	–

28: Denver-Aurora, CO	Value
Non-Hispanic White	1.7%
Hispanic	3.6%
Non-Hispanic Black	2.8%
Non-Hispanic Asian/Pac. Islander	0.8%
Non-Hispanic American Indian	3.6%

29: Des Moines, IA	Value
Non-Hispanic White	4.2%
Hispanic	7.2%
Non-Hispanic Black	6.1%
Non-Hispanic Asian/Pac. Islander	3.6%
Non-Hispanic American Indian	–

30: Detroit-Warren-Livonia, MI	Value
Non-Hispanic White	4.2%
Hispanic	6.3%
Non-Hispanic Black	14.6%
Non-Hispanic Asian/Pac. Islander	1.5%
Non-Hispanic American Indian	4.2%

31: El Paso, TX	Value
Non-Hispanic White	9.4%
Hispanic	19.4%
Non-Hispanic Black	8.5%
Non-Hispanic Asian/Pac. Islander	3.3%
Non-Hispanic American Indian	–

32: Fresno, CA	Value
Non-Hispanic White	2.7%
Hispanic	5.9%
Non-Hispanic Black	9.0%
Non-Hispanic Asian/Pac. Islander	2.6%
Non-Hispanic American Indian	–

33: Grand Rapids-Wyoming, MI	Value
Non-Hispanic White	4.5%
Hispanic	7.8%
Non-Hispanic Black	7.3%
Non-Hispanic Asian/Pac. Islander	4.2%
Non-Hispanic American Indian	–

34: Greensboro-High Point, NC	Value
Non-Hispanic White	3.5%
Hispanic	5.1%
Non-Hispanic Black	6.6%
Non-Hispanic Asian/Pac. Islander	4.1%
Non-Hispanic American Indian	–

35: Greenville, SC	Value
Non-Hispanic White	4.2%
Hispanic	3.6%
Non-Hispanic Black	10.8%
Non-Hispanic Asian/Pac. Islander	3.6%
Non-Hispanic American Indian	–

36: Harrisburg-Carlisle, PA	Value
Non-Hispanic White	6.8%
Hispanic	4.8%
Non-Hispanic Black	12.7%
Non-Hispanic Asian/Pac. Islander	2.8%
Non-Hispanic American Indian	–

37: Hartford-West Hartford-East Hartford, CT	Value
Non-Hispanic White	2.1%
Hispanic	6.1%
Non-Hispanic Black	7.6%
Non-Hispanic Asian/Pac. Islander	1.1%
Non-Hispanic American Indian	–

38: Honolulu, HI	Value
Non-Hispanic White	0.5%
Hispanic	0.5%
Non-Hispanic Black	1.1%
Non-Hispanic Asian/Pac. Islander	0.9%
Non-Hispanic American Indian	0.0%

39: Houston-Baytown-Sugar Land, TX	Value
Non-Hispanic White	4.2%
Hispanic	11.6%
Non-Hispanic Black	9.9%
Non-Hispanic Asian/Pac. Islander	1.9%
Non-Hispanic American Indian	7.0%

40: Indianapolis, IN	Value
Non-Hispanic White	3.3%
Hispanic	4.9%
Non-Hispanic Black	7.5%
Non-Hispanic Asian/Pac. Islander	1.3%
Non-Hispanic American Indian	4.5%

41: Jackson, MS	Value
Non-Hispanic White	10.2%
Hispanic	15.7%
Non-Hispanic Black	16.3%
Non-Hispanic Asian/Pac. Islander	5.9%
Non-Hispanic American Indian	–

42: Jacksonville, FL	Value
Non-Hispanic White	2.3%
Hispanic	3.3%
Non-Hispanic Black	7.8%
Non-Hispanic Asian/Pac. Islander	0.9%
Non-Hispanic American Indian	–

43: Kansas City, MO-KS	Value
Non-Hispanic White	4.5%
Hispanic	7.5%
Non-Hispanic Black	9.3%
Non-Hispanic Asian/Pac. Islander	2.5%
Non-Hispanic American Indian	6.5%

44: Knoxville, TN	Value
Non-Hispanic White	5.1%
Hispanic	6.8%
Non-Hispanic Black	6.5%
Non-Hispanic Asian/Pac. Islander	2.4%
Non-Hispanic American Indian	–

45: Lakeland-Winter Haven, FL	Value
Non-Hispanic White	10.4%
Hispanic	11.4%
Non-Hispanic Black	15.5%
Non-Hispanic Asian/Pac. Islander	1.9%
Non-Hispanic American Indian	–

46: Lancaster, PA	Value
Non-Hispanic White	4.1%
Hispanic	8.5%
Non-Hispanic Black	12.2%
Non-Hispanic Asian/Pac. Islander	1.5%
Non-Hispanic American Indian	–

47: Las Vegas-Paradise, NV	Value
Non-Hispanic White	2.4%
Hispanic	4.4%
Non-Hispanic Black	3.5%
Non-Hispanic Asian/Pac. Islander	2.0%
Non-Hispanic American Indian	–

48: Little Rock-North Little Rock, AR	Value
Non-Hispanic White	5.0%
Hispanic	8.3%
Non-Hispanic Black	11.9%
Non-Hispanic Asian/Pac. Islander	3.1%
Non-Hispanic American Indian	–

49: Los Angeles-Long Beach-Santa Ana, CA	Value
Non-Hispanic White	0.8%
Hispanic	2.2%
Non-Hispanic Black	3.4%
Non-Hispanic Asian/Pac. Islander	0.6%
Non-Hispanic American Indian	1.1%

50: Louisville, KY-IN	Value
Non-Hispanic White	4.7%
Hispanic	4.7%
Non-Hispanic Black	9.2%
Non-Hispanic Asian/Pac. Islander	1.8%
Non-Hispanic American Indian	–

51: Madison, WI	Value
Non-Hispanic White	1.6%
Hispanic	1.7%
Non-Hispanic Black	3.1%
Non-Hispanic Asian/Pac. Islander	0.5%
Non-Hispanic American Indian	3.4%

52: McAllen-Edinburg-Pharr, TX	Value
Non-Hispanic White	11.1%
Hispanic	29.4%
Non-Hispanic Black	–
Non-Hispanic Asian/Pac. Islander	–
Non-Hispanic American Indian	–

53: Memphis, TN-MS-AR	Value
Non-Hispanic White	5.8%
Hispanic	1.3%
Non-Hispanic Black	16.5%
Non-Hispanic Asian/Pac. Islander	1.3%
Non-Hispanic American Indian	–

54: Miami-Fort Lauderdale-Miami Beach, FL	Value
Non-Hispanic White	2.6%
Hispanic	5.7%
Non-Hispanic Black	11.8%
Non-Hispanic Asian/Pac. Islander	2.6%
Non-Hispanic American Indian	–

55: Milwaukee-Waukesha-West Allis, WI	Value
Non-Hispanic White	2.5%
Hispanic	6.4%
Non-Hispanic Black	10.0%
Non-Hispanic Asian/Pac. Islander	1.8%
Non-Hispanic American Indian	6.9%

56: Minneapolis-St. Paul-Bloomington, MN-WI	Value
Non-Hispanic White	2.0%
Hispanic	2.7%
Non-Hispanic Black	3.5%
Non-Hispanic Asian/Pac. Islander	1.4%
Non-Hispanic American Indian	6.1%

57: Modesto, CA	Value
Non-Hispanic White	2.3%
Hispanic	3.4%
Non-Hispanic Black	–
Non-Hispanic Asian/Pac. Islander	4.4%
Non-Hispanic American Indian	–

58: Nashville-Davidson-Murfreesboro, TN	Value
Non-Hispanic White	5.7%
Hispanic	5.8%
Non-Hispanic Black	9.1%
Non-Hispanic Asian/Pac. Islander	2.7%
Non-Hispanic American Indian	3.7%

59: New Haven-Milford, CT	Value
Non-Hispanic White	2.1%
Hispanic	4.7%
Non-Hispanic Black	5.2%
Non-Hispanic Asian/Pac. Islander	1.1%
Non-Hispanic American Indian	–

60: New Orleans-Metairie-Kenner, LA	Value
Non-Hispanic White	6.1%
Hispanic	9.8%
Non-Hispanic Black	14.6%
Non-Hispanic Asian/Pac. Islander	7.4%
Non-Hispanic American Indian	–

61: New York-Newark-Edison, NY-NJ-PA	Value
Non-Hispanic White	1.8%
Hispanic	3.5%
Non-Hispanic Black	6.0%
Non-Hispanic Asian/Pac. Islander	1.0%
Non-Hispanic American Indian	3.3%

62: Ogden-Clearfield, UT	Value
Non-Hispanic White	3.6%
Hispanic	5.3%
Non-Hispanic Black	3.8%
Non-Hispanic Asian/Pac. Islander	3.9%
Non-Hispanic American Indian	–

63: Oklahoma City, OK	Value
Non-Hispanic White	8.9%
Hispanic	10.5%
Non-Hispanic Black	10.1%
Non-Hispanic Asian/Pac. Islander	7.4%
Non-Hispanic American Indian	11.7%

64: Omaha-Council Bluffs, NE-IA	Value
Non-Hispanic White	4.6%
Hispanic	7.6%
Non-Hispanic Black	10.3%
Non-Hispanic Asian/Pac. Islander	1.6%
Non-Hispanic American Indian	–

65: Orlando, FL	Value
Non-Hispanic White	2.8%
Hispanic	4.8%
Non-Hispanic Black	7.4%
Non-Hispanic Asian/Pac. Islander	2.6%
Non-Hispanic American Indian	–

66: Oxnard-Thousand Oaks-Ventura, CA	Value
Non-Hispanic White	0.7%
Hispanic	1.5%
Non-Hispanic Black	2.1%
Non-Hispanic Asian/Pac. Islander	0.1%
Non-Hispanic American Indian	–

67: Palm Bay-Melbourne-Titusville, FL	Value
Non-Hispanic White	3.3%
Hispanic	4.1%
Non-Hispanic Black	7.8%
Non-Hispanic Asian/Pac. Islander	0.0%
Non-Hispanic American Indian	–

68: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD	Value
Non-Hispanic White	2.7%
Hispanic	5.6%
Non-Hispanic Black	9.2%
Non-Hispanic Asian/Pac. Islander	1.4%
Non-Hispanic American Indian	3.7%

69: Phoenix-Mesa-Scottsdale, AZ	Value
Non-Hispanic White	2.4%
Hispanic	5.3%
Non-Hispanic Black	3.9%
Non-Hispanic Asian/Pac. Islander	1.6%
Non-Hispanic American Indian	2.3%

70: Pittsburgh, PA	Value
Non-Hispanic White	6.7%
Hispanic	4.3%
Non-Hispanic Black	15.4%
Non-Hispanic Asian/Pac. Islander	2.0%
Non-Hispanic American Indian	–

71: Portland-Vancouver-Beaverton, OR-WA	Value
Non-Hispanic White	1.5%
Hispanic	3.1%
Non-Hispanic Black	3.2%
Non-Hispanic Asian/Pac. Islander	0.7%
Non-Hispanic American Indian	2.1%

72: Poughkeepsie-Newburgh-Middletown, NY	Value
Non-Hispanic White	3.1%
Hispanic	4.3%
Non-Hispanic Black	5.1%
Non-Hispanic Asian/Pac. Islander	0.7%
Non-Hispanic American Indian	–

73: Providence-New Bedford-Fall River, RI-MA	Value
Non-Hispanic White	2.2%
Hispanic	5.4%
Non-Hispanic Black	4.4%
Non-Hispanic Asian/Pac. Islander	3.1%
Non-Hispanic American Indian	4.0%

74: Provo-Orem, UT	Value
Non-Hispanic White	2.5%
Hispanic	5.5%
Non-Hispanic Black	–
Non-Hispanic Asian/Pac. Islander	4.4%
Non-Hispanic American Indian	–

75: Raleigh-Cary, NC	Value
Non-Hispanic White	1.5%
Hispanic	2.3%
Non-Hispanic Black	6.4%
Non-Hispanic Asian/Pac. Islander	0.5%
Non-Hispanic American Indian	4.1%

76: Richmond, VA	Value
Non-Hispanic White	2.7%
Hispanic	4.6%
Non-Hispanic Black	8.7%
Non-Hispanic Asian/Pac. Islander	0.7%
Non-Hispanic American Indian	1.4%

77: Riverside-San Bernardino-Ontario, CA	Value
Non-Hispanic White	2.4%
Hispanic	3.7%
Non-Hispanic Black	3.4%
Non-Hispanic Asian/Pac. Islander	1.1%
Non-Hispanic American Indian	2.6%

78: Rochester, NY	Value
Non-Hispanic White	4.8%
Hispanic	5.1%
Non-Hispanic Black	11.3%
Non-Hispanic Asian/Pac. Islander	3.0%
Non-Hispanic American Indian	–

79: Sacramento-Arden-Arcade-Roseville, CA	Value
Non-Hispanic White	1.3%
Hispanic	2.0%
Non-Hispanic Black	3.2%
Non-Hispanic Asian/Pac. Islander	1.3%
Non-Hispanic American Indian	0.8%

80: Salt Lake City, UT	Value
Non-Hispanic White	3.0%
Hispanic	5.8%
Non-Hispanic Black	4.8%
Non-Hispanic Asian/Pac. Islander	3.3%
Non-Hispanic American Indian	4.1%

81: San Antonio, TX	Value
Non-Hispanic White	4.9%
Hispanic	11.6%
Non-Hispanic Black	6.3%
Non-Hispanic Asian/Pac. Islander	4.3%
Non-Hispanic American Indian	–

82: San Diego-Carlsbad-San Marcos, CA	Value
Non-Hispanic White	0.8%
Hispanic	1.7%
Non-Hispanic Black	2.1%
Non-Hispanic Asian/Pac. Islander	0.6%
Non-Hispanic American Indian	1.5%

83: San Francisco-Oakland-Fremont, CA	Value
Non-Hispanic White	0.5%
Hispanic	1.0%
Non-Hispanic Black	2.9%
Non-Hispanic Asian/Pac. Islander	0.4%
Non-Hispanic American Indian	2.1%

84: San Jose-Sunnyvale-Santa Clara, CA	Value
Non-Hispanic White	0.4%
Hispanic	1.2%
Non-Hispanic Black	2.8%
Non-Hispanic Asian/Pac. Islander	0.3%
Non-Hispanic American Indian	0.0%

85: Sarasota-Bradenton-Venice, FL	Value
Non-Hispanic White	2.3%
Hispanic	3.7%
Non-Hispanic Black	10.5%
Non-Hispanic Asian/Pac. Islander	–
Non-Hispanic American Indian	–

86: Scranton-Wilkes-Barre, PA	Value
Non-Hispanic White	7.2%
Hispanic	3.9%
Non-Hispanic Black	–
Non-Hispanic Asian/Pac. Islander	–
Non-Hispanic American Indian	–

87: Seattle-Tacoma-Bellevue, WA	Value
Non-Hispanic White	1.9%
Hispanic	2.8%
Non-Hispanic Black	3.9%
Non-Hispanic Asian/Pac. Islander	1.0%
Non-Hispanic American Indian	3.7%

88: Springfield, MA	Value
Non-Hispanic White	2.5%
Hispanic	6.7%
Non-Hispanic Black	6.7%
Non-Hispanic Asian/Pac. Islander	3.7%
Non-Hispanic American Indian	–

89: St. Louis, MO-IL	Value
Non-Hispanic White	3.5%
Hispanic	4.5%
Non-Hispanic Black	9.4%
Non-Hispanic Asian/Pac. Islander	1.9%
Non-Hispanic American Indian	2.0%

90: Stockton, CA	Value
Non-Hispanic White	2.2%
Hispanic	3.6%
Non-Hispanic Black	3.9%
Non-Hispanic Asian/Pac. Islander	1.8%
Non-Hispanic American Indian	–

91: Syracuse, NY	Value
Non-Hispanic White	4.6%
Hispanic	3.8%
Non-Hispanic Black	8.9%
Non-Hispanic Asian/Pac. Islander	0.0%
Non-Hispanic American Indian	–

92: Tampa-St. Petersburg-Clearwater, FL	Value
Non-Hispanic White	3.4%
Hispanic	5.3%
Non-Hispanic Black	7.3%
Non-Hispanic Asian/Pac. Islander	1.3%
Non-Hispanic American Indian	6.0%

93: Toledo, OH	Value
Non-Hispanic White	3.8%
Hispanic	7.0%
Non-Hispanic Black	13.3%
Non-Hispanic Asian/Pac. Islander	1.0%
Non-Hispanic American Indian	–

94: Tucson, AZ	Value
Non-Hispanic White	2.3%
Hispanic	6.7%
Non-Hispanic Black	6.9%
Non-Hispanic Asian/Pac. Islander	0.9%
Non-Hispanic American Indian	2.8%

95: Tulsa, OK	Value
Non-Hispanic White	8.3%
Hispanic	7.7%
Non-Hispanic Black	15.2%
Non-Hispanic Asian/Pac. Islander	3.5%
Non-Hispanic American Indian	10.3%

96: Virginia Beach-Norfolk-Newport News, VA-NC	Value
Non-Hispanic White	2.3%
Hispanic	2.6%
Non-Hispanic Black	5.9%
Non-Hispanic Asian/Pac. Islander	1.5%
Non-Hispanic American Indian	3.5%

97: Washington-Arlington-Alexandria, DC-VA-MD-WV	Value
Non-Hispanic White	1.0%
Hispanic	1.8%
Non-Hispanic Black	4.0%
Non-Hispanic Asian/Pac. Islander	0.4%
Non-Hispanic American Indian	3.0%

98: Wichita, KS	Value
Non-Hispanic White	7.0%
Hispanic	12.8%
Non-Hispanic Black	11.8%
Non-Hispanic Asian/Pac. Islander	5.9%
Non-Hispanic American Indian	–

99: Worcester, MA	Value
Non-Hispanic White	1.9%
Hispanic	4.1%
Non-Hispanic Black	3.6%
Non-Hispanic Asian/Pac. Islander	0.5%
Non-Hispanic American Indian	–

100: Youngstown-Warren-Boardman, OH-PA	Value
Non-Hispanic White	10.7%
Hispanic	11.3%
Non-Hispanic Black	21.6%
Non-Hispanic Asian/Pac. Islander	–
Non-Hispanic American Indian	–

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.