The Heller School For Social Policty And Management The Heller School For Social Policy and Management Brandeis University
Refinance Loan Denial Rate
Year: 2010; Ordered: by value; Region: 100 Largest MSAs

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Scale Range: 12.2% – 41.2%

  Value Scale
1: McAllen-Edinburg-Pharr, TX 41.2% Barchart image
2: Youngstown-Warren-Boardman, OH-PA 30.7% Barchart image
3: El Paso, TX 30.2% Barchart image
4: Lakeland-Winter Haven, FL 28.1% Barchart image
5: Miami-Fort Lauderdale-Miami Beach, FL 28.1% Barchart image
6: Cape Coral-Fort Myers, FL 27.7% Barchart image
7: Orlando, FL 27.0% Barchart image
8: Poughkeepsie-Newburgh-Middletown, NY 25.6% Barchart image
9: Palm Bay-Melbourne-Titusville, FL 25.3% Barchart image
10: Scranton-Wilkes-Barre, PA 25.0% Barchart image
11: Tampa-St. Petersburg-Clearwater, FL 24.9% Barchart image
12: New Orleans-Metairie-Kenner, LA 24.5% Barchart image
13: Bakersfield, CA 24.3% Barchart image
14: Cleveland-Elyria-Mentor, OH 24.3% Barchart image
15: Sarasota-Bradenton-Venice, FL 23.9% Barchart image
16: New York-Newark-Edison, NY-NJ-PA 23.8% Barchart image
17: Jacksonville, FL 23.6% Barchart image
18: Akron, OH 23.4% Barchart image
19: Detroit-Warren-Livonia, MI 22.9% Barchart image
20: Toledo, OH 22.9% Barchart image
21: Birmingham-Hoover, AL 22.5% Barchart image
22: Las Vegas-Paradise, NV 22.4% Barchart image
23: San Antonio, TX 22.3% Barchart image
24: Charleston-North Charleston, SC 22.3% Barchart image
25: Dayton, OH 22.2% Barchart image
26: Columbia, SC 22.1% Barchart image
27: Louisville, KY-IN 22.1% Barchart image
28: Houston-Baytown-Sugar Land, TX 22.0% Barchart image
29: Memphis, TN-MS-AR 22.0% Barchart image
30: Fresno, CA 21.8% Barchart image
31: Atlanta-Sandy Springs-Marietta, GA 21.7% Barchart image
32: Chattanooga, TN-GA 21.5% Barchart image
33: Pittsburgh, PA 21.4% Barchart image
34: Charlotte-Gastonia-Concord, NC-SC 21.1% Barchart image
35: Stockton, CA 21.0% Barchart image
36: Riverside-San Bernardino-Ontario, CA 20.8% Barchart image
37: Greensboro-High Point, NC 20.8% Barchart image
38: Columbus, OH 20.7% Barchart image
39: Allentown-Bethlehem-Easton, PA-NJ 20.7% Barchart image
40: Cincinnati-Middletown, OH-KY-IN 20.7% Barchart image
41: Nashville-Davidson-Murfreesboro, TN 20.7% Barchart image
42: Augusta-Richmond County, GA-SC 20.6% Barchart image
43: Albuquerque, NM 20.6% Barchart image
44: Little Rock-North Little Rock, AR 20.4% Barchart image
45: Buffalo-Cheektowaga-Tonawanda, NY 20.4% Barchart image
46: Modesto, CA 20.3% Barchart image
47: Tulsa, OK 20.3% Barchart image
48: Jackson, MS 20.2% Barchart image
49: Dallas-Fort Worth-Arlington, TX 20.2% Barchart image
50: Phoenix-Mesa-Scottsdale, AZ 20.1% Barchart image
51: Indianapolis, IN 19.9% Barchart image
52: Boise City-Nampa, ID 19.9% Barchart image
53: Oklahoma City, OK 19.6% Barchart image
54: Baton Rouge, LA 19.6% Barchart image
55: New Haven-Milford, CT 19.6% Barchart image
56: Tucson, AZ 19.4% Barchart image
57: Greenville, SC 19.0% Barchart image
58: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 18.9% Barchart image
59: Austin-Round Rock, TX 18.5% Barchart image
60: Chicago-Naperville-Joliet, IL-IN-WI 18.4% Barchart image
61: Richmond, VA 18.2% Barchart image
62: Rochester, NY 18.2% Barchart image
63: Albany-Schenectady-Troy, NY 18.2% Barchart image
64: Los Angeles-Long Beach-Santa Ana, CA 18.0% Barchart image
65: Virginia Beach-Norfolk-Newport News, VA-NC 17.9% Barchart image
66: Springfield, MA 17.8% Barchart image
67: Bridgeport-Stamford-Norwalk, CT 17.7% Barchart image
68: Syracuse, NY 17.7% Barchart image
69: Grand Rapids-Wyoming, MI 17.5% Barchart image
70: Providence-New Bedford-Fall River, RI-MA 17.4% Barchart image
71: Baltimore-Towson, MD 17.4% Barchart image
72: Harrisburg-Carlisle, PA 17.4% Barchart image
73: Wichita, KS 17.4% Barchart image
74: Knoxville, TN 17.3% Barchart image
75: Hartford-West Hartford-East Hartford, CT 17.2% Barchart image
76: Lancaster, PA 17.2% Barchart image
77: Portland-Vancouver-Beaverton, OR-WA 17.1% Barchart image
78: Oxnard-Thousand Oaks-Ventura, CA 17.0% Barchart image
79: Seattle-Tacoma-Bellevue, WA 16.8% Barchart image
80: San Diego-Carlsbad-San Marcos, CA 16.8% Barchart image
81: Sacramento-Arden-Arcade-Roseville, CA 16.3% Barchart image
82: Salt Lake City, UT 16.3% Barchart image
83: Denver-Aurora, CO 16.2% Barchart image
84: Minneapolis-St. Paul-Bloomington, MN-WI 15.9% Barchart image
85: San Francisco-Oakland-Fremont, CA 15.6% Barchart image
86: Kansas City, MO-KS 15.5% Barchart image
87: Washington-Arlington-Alexandria, DC-VA-MD-WV 15.5% Barchart image
88: Ogden-Clearfield, UT 15.4% Barchart image
89: Honolulu, HI 15.0% Barchart image
90: Worcester, MA 14.9% Barchart image
91: Provo-Orem, UT 14.9% Barchart image
92: St. Louis, MO-IL 14.5% Barchart image
93: Raleigh-Cary, NC 14.3% Barchart image
94: Colorado Springs, CO 14.1% Barchart image
95: Des Moines, IA 14.1% Barchart image
96: Milwaukee-Waukesha-West Allis, WI 14.0% Barchart image
97: Omaha-Council Bluffs, NE-IA 13.9% Barchart image
98: Boston-Cambridge-Quincy, MA-NH 13.6% Barchart image
99: San Jose-Sunnyvale-Santa Clara, CA 13.5% Barchart image
100: Madison, WI 12.2% Barchart image

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.

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