The Heller School For Social Policty And Management The Heller School For Social Policy and Management Brandeis University
Refinance Loan Denial Rate by Race/Ethnicity
Year: 2010; Race/Ethnicity: Non-Hispanic White; Region: 100 Largest MSAs


Sort Order
Select Regions

Notes and Sources
Update this Report

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.

Refinance Loan Denial Rate by Race/Ethnicity
Year: 2010; Race/Ethnicity: Non-Hispanic White; Ordered: alphabetically
Metro Area Value
Akron, OH 22.1%
Albany-Schenectady-Troy, NY 17.0%
Albuquerque, NM 17.3%
Allentown-Bethlehem-Easton, PA-NJ 19.1%
Atlanta-Sandy Springs-Marietta, GA 18.2%
Augusta-Richmond County, GA-SC 16.4%
Austin-Round Rock, TX 16.9%
Bakersfield, CA 20.3%
Baltimore-Towson, MD 15.0%
Baton Rouge, LA 16.2%
Birmingham-Hoover, AL 19.0%
Boise City-Nampa, ID 19.1%
Boston-Cambridge-Quincy, MA-NH 12.8%
Bridgeport-Stamford-Norwalk, CT 15.9%
Buffalo-Cheektowaga-Tonawanda, NY 19.0%
Cape Coral-Fort Myers, FL 26.0%
Charleston-North Charleston, SC 18.9%
Charlotte-Gastonia-Concord, NC-SC 18.1%
Chattanooga, TN-GA 19.8%
Chicago-Naperville-Joliet, IL-IN-WI 15.8%
Cincinnati-Middletown, OH-KY-IN 19.4%
Cleveland-Elyria-Mentor, OH 22.4%
Colorado Springs, CO 13.0%
Columbia, SC 17.4%
Columbus, OH 19.0%
Dallas-Fort Worth-Arlington, TX 18.0%
Dayton, OH 20.9%
Denver-Aurora, CO 14.6%
Des Moines, IA 13.0%
Detroit-Warren-Livonia, MI 21.5%
El Paso, TX 22.2%
Fresno, CA 18.6%
Grand Rapids-Wyoming, MI 16.4%
Greensboro-High Point, NC 17.7%
Greenville, SC 16.0%
Harrisburg-Carlisle, PA 15.9%
Hartford-West Hartford-East Hartford, CT 15.5%
Honolulu, HI 15.0%
Houston-Baytown-Sugar Land, TX 18.4%
Indianapolis, IN 18.0%
Jackson, MS 14.5%
Jacksonville, FL 21.5%
Kansas City, MO-KS 13.8%
Knoxville, TN 16.2%
Lakeland-Winter Haven, FL 25.6%
Lancaster, PA 15.6%
Las Vegas-Paradise, NV 21.1%
Little Rock-North Little Rock, AR 17.0%
Los Angeles-Long Beach-Santa Ana, CA 16.2%
Louisville, KY-IN 20.3%
Madison, WI 11.4%
McAllen-Edinburg-Pharr, TX 26.4%
Memphis, TN-MS-AR 16.1%
Miami-Fort Lauderdale-Miami Beach, FL 24.9%
Milwaukee-Waukesha-West Allis, WI 11.9%
Minneapolis-St. Paul-Bloomington, MN-WI 14.8%
Modesto, CA 17.7%
Nashville-Davidson-Murfreesboro, TN 18.7%
New Haven-Milford, CT 17.7%
New Orleans-Metairie-Kenner, LA 19.9%
New York-Newark-Edison, NY-NJ-PA 21.5%
Ogden-Clearfield, UT 14.4%
Oklahoma City, OK 17.7%
Omaha-Council Bluffs, NE-IA 12.4%
Orlando, FL 24.6%
Oxnard-Thousand Oaks-Ventura, CA 15.6%
Palm Bay-Melbourne-Titusville, FL 24.7%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 16.6%
Phoenix-Mesa-Scottsdale, AZ 18.5%
Pittsburgh, PA 20.3%
Portland-Vancouver-Beaverton, OR-WA 16.1%
Poughkeepsie-Newburgh-Middletown, NY 23.4%
Providence-New Bedford-Fall River, RI-MA 16.4%
Provo-Orem, UT 14.3%
Raleigh-Cary, NC 12.1%
Richmond, VA 14.7%
Riverside-San Bernardino-Ontario, CA 19.0%
Rochester, NY 16.9%
Sacramento-Arden-Arcade-Roseville, CA 15.4%
Salt Lake City, UT 15.3%
San Antonio, TX 17.8%
San Diego-Carlsbad-San Marcos, CA 15.8%
San Francisco-Oakland-Fremont, CA 14.7%
San Jose-Sunnyvale-Santa Clara, CA 13.8%
Sarasota-Bradenton-Venice, FL 23.0%
Scranton-Wilkes-Barre, PA 23.4%
Seattle-Tacoma-Bellevue, WA 15.8%
Springfield, MA 16.6%
St. Louis, MO-IL 12.3%
Stockton, CA 18.9%
Syracuse, NY 16.4%
Tampa-St. Petersburg-Clearwater, FL 23.4%
Toledo, OH 21.1%
Tucson, AZ 16.7%
Tulsa, OK 18.5%
Virginia Beach-Norfolk-Newport News, VA-NC 14.8%
Washington-Arlington-Alexandria, DC-VA-MD-WV 12.6%
Wichita, KS 15.3%
Worcester, MA 14.3%
Youngstown-Warren-Boardman, OH-PA 29.5%

Definition: Share of refinance loans that were denied by lender.

Notes: Based on applications for first-lien loans for owner-occupied, 1-4 family homes or manufactured homes. Denials include a small number of pre-approval requests denied by financial institution. Race/ethnicity refers to the primary borrower.  Hispanics may be of any race. When borrower self identifies as more than one race, race category refers to first race specified. Excludes metros with less than 50 applications from specified race/ethnic group. 

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