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High-Cost Loans by Property Type and Purpose, 2015
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
Walton County Walton One to four-family (other than manufactured housing) 280 3036 10 150 41 1120
Walton County Walton Manufactured housing 121 25 2 11 4 22
Walton County Walton Multifamily - - - 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 2015
High-Cost, Owner Occupied Home Purchase Loans by Loan Amount, 2015
Place County Loan Amount High-CostNon-High Cost or Unknown
Walton County Walton less than $50,0000 31 18
Walton County Walton $50,000 to $74,999 56 27
Walton County Walton $75,000 to $99,999 31 79
Walton County Walton $100,000 to $124,999 26 115
Walton County Walton $125,000 to $149,999 14 111
Walton County Walton $150,000 to $174,999 12 149
Walton County Walton $175,000 to $199,999 2 139
Walton County Walton $200,000 to $249,999 22 269
Walton County Walton $250,000 to $299,999 17 218
Walton County Walton $300,000 to $399,999 20 213
Walton County Walton $400,000 to $499,999 7 103
Walton County Walton $500,000 to $599,999 5 45
Walton County Walton $600,000 to $699,999 - 24
Walton County Walton $800,000 to $899,999 1 20
Walton County Walton $900,000 to $999,999 - 9
Walton County Walton $1,000,000 to $4,999,999 - 32
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 2015
High-Cost, Owner-Occupied Home Purchase Loans by Race, 2015
Place County Race High-CostNon-High Cost or Unknown
Walton County Walton American Indian or Alaska Native 4 14
Walton County Walton Asian 1 19
Walton County Walton Black or African American - 27
Walton County Walton Native Hawaiian or Other Pacific Islander - 3
Walton County Walton White 220 1381
Walton County Walton Information not provided by applicant in mail, Internet, or telephone application 19 124
Walton County Walton Not applicable - 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 2015
High-Cost, Owner Occupied Home Purchase Loans by Hispanic/Latino Ethnicity, 2015
Place County Ethnicity High-CostNon-High Cost or Unknown
Walton County Walton Hispanic or Latino 7 56
Walton County Walton Not Hispanic or Latino 203 1377
Walton County Walton Information not provided by applicant in mail, Internet, or telephone application 34 135
Walton County Walton Not applicable - 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 2015
High-Cost, Owner Occupied Home Purchase Loans, 2005-2015
Place County 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
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
Walton County Walton 290 926 24.00 231 635 27.00 104 618 14.00 55 416 12.00 33 402 8.00 47 401 10.00 55 550 9.00 93 1010 8.00 171 1087 14.00 278 1245 18.00 244 1571 13.00
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