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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
Bradford County Bradford One to four-family (other than manufactured housing) 341 - 35 - 290 0
Bradford County Bradford Manufactured housing 62 - 5 - 18 0
Bradford County Bradford Multifamily - - - - 2 0
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
Bradford County Bradford less than $50,0000 16 -
Bradford County Bradford $50,000 to $74,999 49 -
Bradford County Bradford $75,000 to $99,999 54 -
Bradford County Bradford $100,000 to $124,999 50 -
Bradford County Bradford $125,000 to $149,999 80 -
Bradford County Bradford $150,000 to $174,999 30 -
Bradford County Bradford $175,000 to $199,999 39 -
Bradford County Bradford $200,000 to $249,999 48 -
Bradford County Bradford $250,000 to $299,999 13 -
Bradford County Bradford $300,000 to $399,999 10 -
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
Bradford County Bradford Asian 2 -
Bradford County Bradford Black or African American 18 -
Bradford County Bradford Native Hawaiian or Other Pacific Islander 3 -
Bradford County Bradford White 339 -
Bradford County Bradford Information not provided by applicant in mail, Internet, or telephone application 27 -
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
Bradford County Bradford Hispanic or Latino 5 -
Bradford County Bradford Not Hispanic or Latino 330 -
Bradford County Bradford Information not provided by applicant in mail, Internet, or telephone application 54 -
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
Bradford County Bradford 101 213 32.00 85 214 28.00 48 178 21.00 33 105 24.00 12 64 16.00 19 63 23.00 9 47 16.00 33 144 19.00 40 174 19.00 84 196 30.00 81 239 25.00 389 - 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