:|
:|
:|
:|
 
spacer Choose any table from the list at left to view

previous next (PREV and NEXT change current view)

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
Charlotte County Charlotte One to four-family (other than manufactured housing) 429 5174 36 336 154 2873
Charlotte County Charlotte Manufactured housing 23 26 - 6 3 14
Charlotte County Charlotte Multifamily - 4 - 6 - -
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
Charlotte County Charlotte less than $50,0000 15 49
Charlotte County Charlotte $50,000 to $74,999 24 168
Charlotte County Charlotte $75,000 to $99,999 67 280
Charlotte County Charlotte $100,000 to $124,999 58 439
Charlotte County Charlotte $125,000 to $149,999 110 802
Charlotte County Charlotte $150,000 to $174,999 33 289
Charlotte County Charlotte $175,000 to $199,999 49 491
Charlotte County Charlotte $200,000 to $249,999 23 605
Charlotte County Charlotte $250,000 to $299,999 14 265
Charlotte County Charlotte $300,000 to $399,999 5 223
Charlotte County Charlotte $400,000 to $499,999 3 78
Charlotte County Charlotte $500,000 to $599,999 2 13
Charlotte County Charlotte $600,000 to $699,999 - 12
Charlotte County Charlotte $900,000 to $999,999 - 8
Charlotte County Charlotte $1,000,000 to $4,999,999 - 5
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
Charlotte County Charlotte American Indian or Alaska Native - 10
Charlotte County Charlotte Asian - 32
Charlotte County Charlotte Black or African American 15 90
Charlotte County Charlotte Native Hawaiian or Other Pacific Islander - 4
Charlotte County Charlotte White 367 3251
Charlotte County Charlotte Information not provided by applicant in mail, Internet, or telephone application 21 340
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
Charlotte County Charlotte Hispanic or Latino 37 167
Charlotte County Charlotte Not Hispanic or Latino 335 3214
Charlotte County Charlotte Information not provided by applicant in mail, Internet, or telephone application 31 345
Charlotte County Charlotte Not applicable - 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, 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
Charlotte County Charlotte 1171 2896 29.00 1202 2118 36.00 350 1732 17.00 136 887 13.00 51 818 6.00 27 814 3.00 32 760 4.00 81 1436 5.00 151 1892 7.00 353 2052 15.00 352 3274 10.00 403 3727 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