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 Home Purchase Loans
Year: 2010; Ordered: by value; Region: 100 Largest MSAs

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Scale Range: 0.5% – 16.5%

  Value Scale
1: McAllen-Edinburg-Pharr, TX 16.5% Barchart image
2: Baton Rouge, LA 8.3% Barchart image
3: Jackson, MS 7.9% Barchart image
4: Birmingham-Hoover, AL 7.4% Barchart image
5: Detroit-Warren-Livonia, MI 6.3% Barchart image
6: Tulsa, OK 6.1% Barchart image
7: Lakeland-Winter Haven, FL 6.1% Barchart image
8: Chattanooga, TN-GA 5.7% Barchart image
9: Greensboro-High Point, NC 5.6% Barchart image
10: San Antonio, TX 5.0% Barchart image
11: Knoxville, TN 4.9% Barchart image
12: Toledo, OH 4.8% Barchart image
13: Oklahoma City, OK 4.6% Barchart image
14: Louisville, KY-IN 4.5% Barchart image
15: El Paso, TX 4.4% Barchart image
16: Houston-Baytown-Sugar Land, TX 4.2% Barchart image
17: New Orleans-Metairie-Kenner, LA 4.1% Barchart image
18: Greenville, SC 4.1% Barchart image
19: Grand Rapids-Wyoming, MI 4.0% Barchart image
20: Little Rock-North Little Rock, AR 4.0% Barchart image
21: Austin-Round Rock, TX 3.9% Barchart image
22: Wichita, KS 3.9% Barchart image
23: Dallas-Fort Worth-Arlington, TX 3.8% Barchart image
24: Charleston-North Charleston, SC 3.8% Barchart image
25: Scranton-Wilkes-Barre, PA 3.7% Barchart image
26: Youngstown-Warren-Boardman, OH-PA 3.6% Barchart image
27: Raleigh-Cary, NC 3.5% Barchart image
28: Memphis, TN-MS-AR 3.5% Barchart image
29: Columbia, SC 3.4% Barchart image
30: St. Louis, MO-IL 3.4% Barchart image
31: Augusta-Richmond County, GA-SC 3.4% Barchart image
32: Miami-Fort Lauderdale-Miami Beach, FL 3.3% Barchart image
33: Cape Coral-Fort Myers, FL 3.3% Barchart image
34: Cincinnati-Middletown, OH-KY-IN 3.0% Barchart image
35: Tampa-St. Petersburg-Clearwater, FL 3.0% Barchart image
36: Kansas City, MO-KS 2.9% Barchart image
37: Harrisburg-Carlisle, PA 2.8% Barchart image
38: Nashville-Davidson-Murfreesboro, TN 2.7% Barchart image
39: Jacksonville, FL 2.6% Barchart image
40: Des Moines, IA 2.6% Barchart image
41: Cleveland-Elyria-Mentor, OH 2.6% Barchart image
42: Orlando, FL 2.6% Barchart image
43: Charlotte-Gastonia-Concord, NC-SC 2.5% Barchart image
44: Columbus, OH 2.4% Barchart image
45: Riverside-San Bernardino-Ontario, CA 2.3% Barchart image
46: Albuquerque, NM 2.2% Barchart image
47: Akron, OH 2.1% Barchart image
48: Chicago-Naperville-Joliet, IL-IN-WI 2.1% Barchart image
49: Tucson, AZ 2.1% Barchart image
50: Allentown-Bethlehem-Easton, PA-NJ 2.1% Barchart image
51: Albany-Schenectady-Troy, NY 2.0% Barchart image
52: Oxnard-Thousand Oaks-Ventura, CA 2.0% Barchart image
53: Sarasota-Bradenton-Venice, FL 1.9% Barchart image
54: Bakersfield, CA 1.8% Barchart image
55: Dayton, OH 1.8% Barchart image
56: Poughkeepsie-Newburgh-Middletown, NY 1.8% Barchart image
57: Syracuse, NY 1.8% Barchart image
58: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 1.8% Barchart image
59: Atlanta-Sandy Springs-Marietta, GA 1.8% Barchart image
60: Lancaster, PA 1.8% Barchart image
61: Las Vegas-Paradise, NV 1.7% Barchart image
62: Palm Bay-Melbourne-Titusville, FL 1.6% Barchart image
63: Phoenix-Mesa-Scottsdale, AZ 1.6% Barchart image
64: Stockton, CA 1.6% Barchart image
65: Madison, WI 1.6% Barchart image
66: Pittsburgh, PA 1.5% Barchart image
67: Richmond, VA 1.5% Barchart image
68: Rochester, NY 1.5% Barchart image
69: Modesto, CA 1.5% Barchart image
70: San Jose-Sunnyvale-Santa Clara, CA 1.4% Barchart image
71: Omaha-Council Bluffs, NE-IA 1.4% Barchart image
72: Indianapolis, IN 1.4% Barchart image
73: Fresno, CA 1.4% Barchart image
74: Denver-Aurora, CO 1.4% Barchart image
75: Buffalo-Cheektowaga-Tonawanda, NY 1.4% Barchart image
76: Baltimore-Towson, MD 1.3% Barchart image
77: Salt Lake City, UT 1.3% Barchart image
78: Springfield, MA 1.3% Barchart image
79: Los Angeles-Long Beach-Santa Ana, CA 1.3% Barchart image
80: Minneapolis-St. Paul-Bloomington, MN-WI 1.3% Barchart image
81: Ogden-Clearfield, UT 1.3% Barchart image
82: Portland-Vancouver-Beaverton, OR-WA 1.2% Barchart image
83: Providence-New Bedford-Fall River, RI-MA 1.2% Barchart image
84: New Haven-Milford, CT 1.2% Barchart image
85: Milwaukee-Waukesha-West Allis, WI 1.2% Barchart image
86: Sacramento-Arden-Arcade-Roseville, CA 1.2% Barchart image
87: Worcester, MA 1.1% Barchart image
88: San Diego-Carlsbad-San Marcos, CA 1.1% Barchart image
89: San Francisco-Oakland-Fremont, CA 1.1% Barchart image
90: Seattle-Tacoma-Bellevue, WA 1.1% Barchart image
91: Virginia Beach-Norfolk-Newport News, VA-NC 1.0% Barchart image
92: New York-Newark-Edison, NY-NJ-PA 1.0% Barchart image
93: Hartford-West Hartford-East Hartford, CT 0.9% Barchart image
94: Boise City-Nampa, ID 0.9% Barchart image
95: Bridgeport-Stamford-Norwalk, CT 0.8% Barchart image
96: Boston-Cambridge-Quincy, MA-NH 0.8% Barchart image
97: Washington-Arlington-Alexandria, DC-VA-MD-WV 0.7% Barchart image
98: Colorado Springs, CO 0.7% Barchart image
99: Honolulu, HI 0.5% Barchart image
100: Provo-Orem, UT 0.5% Barchart image

Definition: Share of home purchase 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.