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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
Miami-Dade County Miami-Dade One to four-family (other than manufactured housing) 4403 22887 73 1997 654 19199
Miami-Dade County Miami-Dade Manufactured housing 25 1 - 20 1 0
Miami-Dade County Miami-Dade Multifamily 6 192 - 64 6 90
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
Miami-Dade County Miami-Dade less than $50,0000 4 51
Miami-Dade County Miami-Dade $50,000 to $74,999 50 189
Miami-Dade County Miami-Dade $75,000 to $99,999 105 416
Miami-Dade County Miami-Dade $100,000 to $124,999 159 744
Miami-Dade County Miami-Dade $125,000 to $149,999 487 1395
Miami-Dade County Miami-Dade $150,000 to $174,999 304 771
Miami-Dade County Miami-Dade $175,000 to $199,999 540 1529
Miami-Dade County Miami-Dade $200,000 to $249,999 999 3781
Miami-Dade County Miami-Dade $250,000 to $299,999 624 3147
Miami-Dade County Miami-Dade $300,000 to $399,999 570 4322
Miami-Dade County Miami-Dade $400,000 to $499,999 64 1579
Miami-Dade County Miami-Dade $500,000 to $599,999 17 413
Miami-Dade County Miami-Dade $600,000 to $699,999 7 282
Miami-Dade County Miami-Dade $900,000 to $999,999 13 438
Miami-Dade County Miami-Dade $1,000,000 to $4,999,999 13 581
Miami-Dade County Miami-Dade $5,000,000 or more - 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 by Race, 2016
Place County Race High-CostNon-High Cost or Unknown
Miami-Dade County Miami-Dade American Indian or Alaska Native 4 31
Miami-Dade County Miami-Dade Asian 32 284
Miami-Dade County Miami-Dade Black or African American 523 1386
Miami-Dade County Miami-Dade Native Hawaiian or Other Pacific Islander 19 40
Miami-Dade County Miami-Dade White 3274 16707
Miami-Dade County Miami-Dade Information not provided by applicant in mail, Internet, or telephone application 104 1177
Miami-Dade County Miami-Dade Not applicable - 24
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
Miami-Dade County Miami-Dade Hispanic or Latino 3147 13497
Miami-Dade County Miami-Dade Not Hispanic or Latino 715 5161
Miami-Dade County Miami-Dade Information not provided by applicant in mail, Internet, or telephone application 94 966
Miami-Dade County Miami-Dade Not applicable - 25
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
Miami-Dade County Miami-Dade 35171 36933 49.00 42118 31071 58.00 12385 20623 38.00 1438 9597 13.00 563 7883 7.00 410 8551 5.00 404 8618 4.00 733 12650 5.00 1953 13557 13.00 3888 13862 22.00 3818 17172 18.00 3956 19649 17.00
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 2005-2016