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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
Liberty County County Liberty County One to four-family (other than manufactured housing) 5 21 1 1 4 23
Liberty County County Liberty County Manufactured housing 5 2 1 2 - -
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
Liberty County County Liberty County less than $50,0000 - 1
Liberty County County Liberty County $50,000 to $74,999 1 -
Liberty County County Liberty County $75,000 to $99,999 6 2
Liberty County County Liberty County $100,000 to $124,999 1 4
Liberty County County Liberty County $125,000 to $149,999 - 4
Liberty County County Liberty County $150,000 to $174,999 1 2
Liberty County County Liberty County $175,000 to $199,999 1 4
Liberty County County Liberty County $200,000 to $249,999 - 2
Liberty County County Liberty County $300,000 to $399,999 - 1
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
Liberty County Liberty American Indian or Alaska Native - 1
Liberty County Liberty Black or African American 1 -
Liberty County Liberty White 8 16
Liberty County Liberty Information not provided by applicant in mail, Internet, or telephone application 1 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 Hispanic/Latino Ethnicity, 2016
Place County Ethnicity High-CostNon-High Cost or Unknown
Liberty County County Liberty County Not Hispanic or Latino 9 17
Liberty County County Liberty County Information not provided by applicant in mail, Internet, or telephone application 1 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, 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
Liberty County County Liberty County - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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 2005-2016