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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
Palm Beach County Palm Beach One to four-family (other than manufactured housing) 2922 28506 100 2693 412 20923
Palm Beach County Palm Beach Manufactured housing 71 9 - 17 1 14
Palm Beach County Palm Beach Multifamily 1 81 - 27 1 46
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
Palm Beach County Palm Beach less than $50,0000 41 205
Palm Beach County Palm Beach $50,000 to $74,999 82 593
Palm Beach County Palm Beach $75,000 to $99,999 95 723
Palm Beach County Palm Beach $100,000 to $124,999 181 1294
Palm Beach County Palm Beach $125,000 to $149,999 496 2450
Palm Beach County Palm Beach $150,000 to $174,999 241 1183
Palm Beach County Palm Beach $175,000 to $199,999 347 1842
Palm Beach County Palm Beach $200,000 to $249,999 585 4512
Palm Beach County Palm Beach $250,000 to $299,999 331 3534
Palm Beach County Palm Beach $300,000 to $399,999 321 4525
Palm Beach County Palm Beach $400,000 to $499,999 52 1853
Palm Beach County Palm Beach $500,000 to $599,999 14 480
Palm Beach County Palm Beach $600,000 to $699,999 14 274
Palm Beach County Palm Beach $900,000 to $999,999 10 374
Palm Beach County Palm Beach $1,000,000 to $4,999,999 10 476
Palm Beach County Palm Beach $5,000,000 or more - 16
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
Palm Beach County Palm Beach American Indian or Alaska Native 7 71
Palm Beach County Palm Beach Asian 39 637
Palm Beach County Palm Beach Black or African American 663 2442
Palm Beach County Palm Beach Native Hawaiian or Other Pacific Islander 9 71
Palm Beach County Palm Beach White 2006 19423
Palm Beach County Palm Beach Information not provided by applicant in mail, Internet, or telephone application 96 1681
Palm Beach County Palm Beach Not applicable - 9
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
Palm Beach County Palm Beach Hispanic or Latino 990 4537
Palm Beach County Palm Beach Not Hispanic or Latino 1734 18217
Palm Beach County Palm Beach Information not provided by applicant in mail, Internet, or telephone application 96 1569
Palm Beach County Palm Beach 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
Palm Beach County Palm Beach 11744 24866 32.00 12156 16223 43.00 3775 11341 25.00 774 7771 9.00 423 7755 5.00 201 7896 2.00 245 8015 3.00 436 14098 3.00 1472 15710 9.00 3242 17634 16.00 2756 21820 11.00 2820 24334 10.00
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