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; Ordered: by value; Region: 100 Largest MSAs

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Scale Range: 0.3% – 13.3%

  Value Scale
1: El Paso, TX 13.3% Barchart image
2: McAllen-Edinburg-Pharr, TX 11.4% Barchart image
3: Lakeland-Winter Haven, FL 6.5% Barchart image
4: Chattanooga, TN-GA 5.5% Barchart image
5: San Antonio, TX 4.7% Barchart image
6: Oklahoma City, OK 4.6% Barchart image
7: Youngstown-Warren-Boardman, OH-PA 4.4% Barchart image
8: Baton Rouge, LA 4.2% Barchart image
9: Tulsa, OK 4.1% Barchart image
10: New Orleans-Metairie-Kenner, LA 4.0% Barchart image
11: Birmingham-Hoover, AL 3.7% Barchart image
12: Augusta-Richmond County, GA-SC 3.7% Barchart image
13: Houston-Baytown-Sugar Land, TX 3.5% Barchart image
14: Nashville-Davidson-Murfreesboro, TN 3.1% Barchart image
15: Scranton-Wilkes-Barre, PA 3.0% Barchart image
16: Miami-Fort Lauderdale-Miami Beach, FL 3.0% Barchart image
17: Jackson, MS 2.7% Barchart image
18: Greensboro-High Point, NC 2.7% Barchart image
19: Syracuse, NY 2.6% Barchart image
20: Little Rock-North Little Rock, AR 2.5% Barchart image
21: Memphis, TN-MS-AR 2.4% Barchart image
22: Charleston-North Charleston, SC 2.3% Barchart image
23: Wichita, KS 2.3% Barchart image
24: Dallas-Fort Worth-Arlington, TX 2.3% Barchart image
25: Greenville, SC 2.2% Barchart image
26: Cape Coral-Fort Myers, FL 2.2% Barchart image
27: Tampa-St. Petersburg-Clearwater, FL 2.1% Barchart image
28: Harrisburg-Carlisle, PA 2.1% Barchart image
29: Jacksonville, FL 2.1% Barchart image
30: Orlando, FL 2.1% Barchart image
31: Knoxville, TN 2.0% Barchart image
32: Louisville, KY-IN 2.0% Barchart image
33: Sarasota-Bradenton-Venice, FL 2.0% Barchart image
34: Pittsburgh, PA 1.9% Barchart image
35: Austin-Round Rock, TX 1.8% Barchart image
36: Kansas City, MO-KS 1.8% Barchart image
37: Albuquerque, NM 1.8% Barchart image
38: Virginia Beach-Norfolk-Newport News, VA-NC 1.8% Barchart image
39: Charlotte-Gastonia-Concord, NC-SC 1.7% Barchart image
40: Des Moines, IA 1.7% Barchart image
41: Raleigh-Cary, NC 1.6% Barchart image
42: Columbia, SC 1.6% Barchart image
43: Baltimore-Towson, MD 1.6% Barchart image
44: Richmond, VA 1.6% Barchart image
45: Poughkeepsie-Newburgh-Middletown, NY 1.6% Barchart image
46: Toledo, OH 1.5% Barchart image
47: Buffalo-Cheektowaga-Tonawanda, NY 1.5% Barchart image
48: Palm Bay-Melbourne-Titusville, FL 1.5% Barchart image
49: Grand Rapids-Wyoming, MI 1.5% Barchart image
50: Rochester, NY 1.4% Barchart image
51: Omaha-Council Bluffs, NE-IA 1.4% Barchart image
52: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 1.4% Barchart image
53: Cleveland-Elyria-Mentor, OH 1.4% Barchart image
54: St. Louis, MO-IL 1.4% Barchart image
55: Atlanta-Sandy Springs-Marietta, GA 1.4% Barchart image
56: Bakersfield, CA 1.3% Barchart image
57: Albany-Schenectady-Troy, NY 1.3% Barchart image
58: Riverside-San Bernardino-Ontario, CA 1.3% Barchart image
59: Lancaster, PA 1.2% Barchart image
60: Dayton, OH 1.2% Barchart image
61: Akron, OH 1.2% Barchart image
62: Cincinnati-Middletown, OH-KY-IN 1.2% Barchart image
63: Allentown-Bethlehem-Easton, PA-NJ 1.2% Barchart image
64: Tucson, AZ 1.1% Barchart image
65: Columbus, OH 1.1% Barchart image
66: Indianapolis, IN 1.1% Barchart image
67: Fresno, CA 1.1% Barchart image
68: Las Vegas-Paradise, NV 1.1% Barchart image
69: Boise City-Nampa, ID 1.1% Barchart image
70: Detroit-Warren-Livonia, MI 1.1% Barchart image
71: Los Angeles-Long Beach-Santa Ana, CA 1.0% Barchart image
72: Salt Lake City, UT 1.0% Barchart image
73: Stockton, CA 1.0% Barchart image
74: Modesto, CA 1.0% Barchart image
75: Phoenix-Mesa-Scottsdale, AZ 1.0% Barchart image
76: New York-Newark-Edison, NY-NJ-PA 1.0% Barchart image
77: Ogden-Clearfield, UT 1.0% Barchart image
78: Springfield, MA 0.9% Barchart image
79: San Diego-Carlsbad-San Marcos, CA 0.9% Barchart image
80: Provo-Orem, UT 0.9% Barchart image
81: Portland-Vancouver-Beaverton, OR-WA 0.8% Barchart image
82: New Haven-Milford, CT 0.8% Barchart image
83: Minneapolis-St. Paul-Bloomington, MN-WI 0.8% Barchart image
84: Chicago-Naperville-Joliet, IL-IN-WI 0.8% Barchart image
85: Colorado Springs, CO 0.8% Barchart image
86: Oxnard-Thousand Oaks-Ventura, CA 0.8% Barchart image
87: Milwaukee-Waukesha-West Allis, WI 0.7% Barchart image
88: Madison, WI 0.7% Barchart image
89: Hartford-West Hartford-East Hartford, CT 0.7% Barchart image
90: Sacramento-Arden-Arcade-Roseville, CA 0.7% Barchart image
91: Providence-New Bedford-Fall River, RI-MA 0.7% Barchart image
92: Washington-Arlington-Alexandria, DC-VA-MD-WV 0.6% Barchart image
93: Worcester, MA 0.6% Barchart image
94: Seattle-Tacoma-Bellevue, WA 0.6% Barchart image
95: Denver-Aurora, CO 0.6% Barchart image
96: Honolulu, HI 0.6% Barchart image
97: Bridgeport-Stamford-Norwalk, CT 0.5% Barchart image
98: Boston-Cambridge-Quincy, MA-NH 0.4% Barchart image
99: San Francisco-Oakland-Fremont, CA 0.4% Barchart image
100: San Jose-Sunnyvale-Santa Clara, CA 0.3% Barchart image

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.