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High-Cost Loans by Property Type and Purpose, 2016
Place County Property Type Home Purchase Home Improvement Refinance
High-Cost Non-High-Cost or Unknown High-Cost Non-High-Cost or Unknown High-CostNon-High-Cost or Unknown
Flagler County Flagler One to four-family (other than manufactured housing) 3319 - 225 - 2300 0
Flagler County Flagler Manufactured housing 88 - 12 - 10 0
Flagler County Flagler Multifamily 2 - 3 - - -
Notes:  Shows loan applications resulting in loan origination only. For more information, see HMDA User Guide.
"High-Cost" loans are those for which lenders must report the spread between the annual percentage rate (APR) on the loan and a benchmark for a typical prime rate loan. The High-Cost category is intended to flag loans that are likely to be subprime. Prior to October 1, 2009, for first lien loans, the threshold for reporting was 3 percentage points above the Treasury security; for junior lien loans, the threshold was 5 percentages points above the Treasury security. Starting October 1, 2009, the threshold was 1.5 percentage points above the average prime rate offer from Freddie Mac's Primary Mortgage Market Survey (PMMS) for first lien loans and 3.5 percentage points for junior lien loans. See Guide to HMDA Reporting.
Sources:  Home Mortgage Disclosure Act data 2016
High-Cost, Owner Occupied Home Purchase Loans by Loan Amount, 2016
Place County Loan Amount High-CostNon-High Cost or Unknown
Flagler County Flagler less than $50,0000 32 -
Flagler County Flagler $50,000 to $74,999 58 -
Flagler County Flagler $75,000 to $99,999 121 -
Flagler County Flagler $100,000 to $124,999 212 -
Flagler County Flagler $125,000 to $149,999 548 -
Flagler County Flagler $150,000 to $174,999 224 -
Flagler County Flagler $175,000 to $199,999 338 -
Flagler County Flagler $200,000 to $249,999 461 -
Flagler County Flagler $250,000 to $299,999 245 -
Flagler County Flagler $300,000 to $399,999 209 -
Flagler County Flagler $400,000 to $499,999 107 -
Flagler County Flagler $500,000 to $599,999 31 -
Flagler County Flagler $600,000 to $699,999 18 -
Flagler County Flagler $900,000 to $999,999 21 -
Flagler County Flagler $1,000,000 to $4,999,999 5 -
Notes:  Shows loan applications resulting in loan origination only. For more information, see HMDA User Guide.
"High-Cost" loans are those for which lenders must report the spread between the annual percentage rate (APR) on the loan and a benchmark for a typical prime rate loan. The High-Cost category is intended to flag loans that are likely to be subprime. Prior to October 1, 2009, for first lien loans, the threshold for reporting was 3 percentage points above the Treasury security; for junior lien loans, the threshold was 5 percentages points above the Treasury security. Starting October 1, 2009, the threshold was 1.5 percentage points above the average prime rate offer from Freddie Mac's Primary Mortgage Market Survey (PMMS) for first lien loans and 3.5 percentage points for junior lien loans. See Guide to HMDA Reporting.
Sources:  Home Mortgage Disclosure Act data 2016
High-Cost, Owner-Occupied Home Purchase Loans by Race, 2016
Place County Race High-CostNon-High Cost or Unknown
Flagler County Flagler American Indian or Alaska Native 13 -
Flagler County Flagler Asian 32 -
Flagler County Flagler Black or African American 108 -
Flagler County Flagler Native Hawaiian or Other Pacific Islander 8 -
Flagler County Flagler White 2225 -
Flagler County Flagler Information not provided by applicant in mail, Internet, or telephone application 244 -
Notes:  Shows loan applications resulting in loan origination only. For more information, see HMDA User Guide.
"High-Cost" loans are those for which lenders must report the spread between the annual percentage rate (APR) on the loan and a benchmark for a typical prime rate loan. The High-Cost category is intended to flag loans that are likely to be subprime. Prior to October 1, 2009, for first lien loans, the threshold for reporting was 3 percentage points above the Treasury security; for junior lien loans, the threshold was 5 percentages points above the Treasury security. Starting October 1, 2009, the threshold was 1.5 percentage points above the average prime rate offer from Freddie Mac's Primary Mortgage Market Survey (PMMS) for first lien loans and 3.5 percentage points for junior lien loans. See Guide to HMDA Reporting.
Sources:  Home Mortgage Disclosure Act data 2016
High-Cost, Owner Occupied Home Purchase Loans by Hispanic/Latino Ethnicity, 2016
Place County Ethnicity High-CostNon-High Cost or Unknown
Flagler County Flagler Hispanic or Latino 175 -
Flagler County Flagler Not Hispanic or Latino 2187 -
Flagler County Flagler Information not provided by applicant in mail, Internet, or telephone application 257 -
Flagler County Flagler Not applicable 11 -
Notes:  Shows loan applications resulting in loan origination only.For more information, see HMDA User Guide.
"High-Cost" loans are those for which lenders must report the spread between the annual percentage rate (APR) on the loan and a benchmark for a typical prime rate loan. The High-Cost category is intended to flag loans that are likely to be subprime. Prior to October 1, 2009, for first lien loans, the threshold for reporting was 3 percentage points above the Treasury security; for junior lien loans, the threshold was 5 percentages points above the Treasury security. Starting October 1, 2009, the threshold was 1.5 percentage points above the average prime rate offer from Freddie Mac's Primary Mortgage Market Survey (PMMS) for first lien loans and 3.5 percentage points for junior lien loans. See Guide to HMDA Reporting.
Sources:  Home Mortgage Disclosure Act data 2016
High-Cost, Owner Occupied Home Purchase Loans, 2005-2016
Place County 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or UnknownHigh-Cost as % of Total Loans
Flagler County Flagler 1162 2536 31.00 894 1619 36.00 255 1007 20.00 71 743 9.00 23 614 4.00 13 545 2.00 21 555 4.00 75 1192 6.00 94 1351 7.00 193 1695 10.00 228 2146 10.00 2630 - 100.00
Notes:  Shows loan applications resulting in loan origination only. For more information, see HMDA User Guide.
"High-Cost" loans are those for which lenders must report the spread between the annual percentage rate (APR) on the loan and a benchmark for a typical prime rate loan. The High-Cost category is intended to flag loans that are likely to be subprime. Prior to October 1, 2009, for first lien loans, the threshold for reporting was 3 percentage points above the Treasury security; for junior lien loans, the threshold was 5 percentages points above the Treasury security. Starting October 1, 2009, the threshold was 1.5 percentage points above the average prime rate offer from Freddie Mac's Primary Mortgage Market Survey (PMMS) for first lien loans and 3.5 percentage points for junior lien loans. See Guide to HMDA Reporting.
Sources:  Home Mortgage Disclosure Act data 2005-2014