The Heller School For Social Policty And Management The Heller School For Social Policy and Management Brandeis University
High Interest Loans (2010) as Share of Refinance Loans
Year: 2010; Region: 100 Largest MSAs

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Refer to the table below to quickly find a metro area. The table data can be resorted by using the radio buttons in the box in the upper lefthand corner.

High Interest Loans (2010) as Share of Refinance Loans
Year: 2010; Ordered: alphabetically
Metro Area Value
Akron, OH 1.2%
Albany-Schenectady-Troy, NY 1.3%
Albuquerque, NM 1.8%
Allentown-Bethlehem-Easton, PA-NJ 1.2%
Atlanta-Sandy Springs-Marietta, GA 1.4%
Augusta-Richmond County, GA-SC 3.7%
Austin-Round Rock, TX 1.8%
Bakersfield, CA 1.3%
Baltimore-Towson, MD 1.6%
Baton Rouge, LA 4.2%
Birmingham-Hoover, AL 3.7%
Boise City-Nampa, ID 1.1%
Boston-Cambridge-Quincy, MA-NH 0.4%
Bridgeport-Stamford-Norwalk, CT 0.5%
Buffalo-Cheektowaga-Tonawanda, NY 1.5%
Cape Coral-Fort Myers, FL 2.2%
Charleston-North Charleston, SC 2.3%
Charlotte-Gastonia-Concord, NC-SC 1.7%
Chattanooga, TN-GA 5.5%
Chicago-Naperville-Joliet, IL-IN-WI 0.8%
Cincinnati-Middletown, OH-KY-IN 1.2%
Cleveland-Elyria-Mentor, OH 1.4%
Colorado Springs, CO 0.8%
Columbia, SC 1.6%
Columbus, OH 1.1%
Dallas-Fort Worth-Arlington, TX 2.3%
Dayton, OH 1.2%
Denver-Aurora, CO 0.6%
Des Moines, IA 1.7%
Detroit-Warren-Livonia, MI 1.1%
El Paso, TX 13.3%
Fresno, CA 1.1%
Grand Rapids-Wyoming, MI 1.5%
Greensboro-High Point, NC 2.7%
Greenville, SC 2.2%
Harrisburg-Carlisle, PA 2.1%
Hartford-West Hartford-East Hartford, CT 0.7%
Honolulu, HI 0.6%
Houston-Baytown-Sugar Land, TX 3.5%
Indianapolis, IN 1.1%
Jackson, MS 2.7%
Jacksonville, FL 2.1%
Kansas City, MO-KS 1.8%
Knoxville, TN 2.0%
Lakeland-Winter Haven, FL 6.5%
Lancaster, PA 1.2%
Las Vegas-Paradise, NV 1.1%
Little Rock-North Little Rock, AR 2.5%
Los Angeles-Long Beach-Santa Ana, CA 1.0%
Louisville, KY-IN 2.0%
Madison, WI 0.7%
McAllen-Edinburg-Pharr, TX 11.4%
Memphis, TN-MS-AR 2.4%
Miami-Fort Lauderdale-Miami Beach, FL 3.0%
Milwaukee-Waukesha-West Allis, WI 0.7%
Minneapolis-St. Paul-Bloomington, MN-WI 0.8%
Modesto, CA 1.0%
Nashville-Davidson-Murfreesboro, TN 3.1%
New Haven-Milford, CT 0.8%
New Orleans-Metairie-Kenner, LA 4.0%
New York-Newark-Edison, NY-NJ-PA 1.0%
Ogden-Clearfield, UT 1.0%
Oklahoma City, OK 4.6%
Omaha-Council Bluffs, NE-IA 1.4%
Orlando, FL 2.1%
Oxnard-Thousand Oaks-Ventura, CA 0.8%
Palm Bay-Melbourne-Titusville, FL 1.5%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 1.4%
Phoenix-Mesa-Scottsdale, AZ 1.0%
Pittsburgh, PA 1.9%
Portland-Vancouver-Beaverton, OR-WA 0.8%
Poughkeepsie-Newburgh-Middletown, NY 1.6%
Providence-New Bedford-Fall River, RI-MA 0.7%
Provo-Orem, UT 0.9%
Raleigh-Cary, NC 1.6%
Richmond, VA 1.6%
Riverside-San Bernardino-Ontario, CA 1.3%
Rochester, NY 1.4%
Sacramento-Arden-Arcade-Roseville, CA 0.7%
Salt Lake City, UT 1.0%
San Antonio, TX 4.7%
San Diego-Carlsbad-San Marcos, CA 0.9%
San Francisco-Oakland-Fremont, CA 0.4%
San Jose-Sunnyvale-Santa Clara, CA 0.3%
Sarasota-Bradenton-Venice, FL 2.0%
Scranton-Wilkes-Barre, PA 3.0%
Seattle-Tacoma-Bellevue, WA 0.6%
Springfield, MA 0.9%
St. Louis, MO-IL 1.4%
Stockton, CA 1.0%
Syracuse, NY 2.6%
Tampa-St. Petersburg-Clearwater, FL 2.1%
Toledo, OH 1.5%
Tucson, AZ 1.1%
Tulsa, OK 4.1%
Virginia Beach-Norfolk-Newport News, VA-NC 1.8%
Washington-Arlington-Alexandria, DC-VA-MD-WV 0.6%
Wichita, KS 2.3%
Worcester, MA 0.6%
Youngstown-Warren-Boardman, OH-PA 4.4%

Definition: Share of 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.

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