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Figure 4. Incidence of higher-priced lending for conventional first-lien home-purchase loans on owner-occupied, one- to four-family, site-built homes, by metropolitan statistical area and by quintile, 2005. Data presented in a shaded map of the United States. Units are percentages.

First quintile, 3.87-16.59 percent: Includes metropolitan statistical areas (MSAs) in the West, the Midwest, and the Northeast.

First quintile (3.87-16.59)
Metropolitan statistical area Percent
Ames, IA 11.29
Ann Arbor, MI 15.70
Appleton, WI 13.47
Asheville, NC 13.18
Auburn-Opelika, AL 12.32
Bellingham, WA 13.43
Bend, OR 16.59
Billings, MT 11.87
Bismarck, ND 9.20
Blacksburg-Christiansburg-Radford, VA 8.71
Bloomington, IN 15.74
Bloomington-Normal, IL 10.42
Boulder, CO 10.97
Buffalo-Niagara Falls, NY 14.40
Burlington-South Burlington, VT 8.92
Cambridge-Newton-Framingham, MA 15.35
Cedar Rapids, IA 12.84
Champaign-Urbana, IL 11.23
Charleston, WV 14.94
Charleston-North Charleston, SC 16.08
Charlottesville, VA 8.24
Columbia, MO 13.18
Columbus, IN 15.59
Corvallis, OR 8.65
Dubuque, IA 8.60
Durham, NC 13.93
Eau Claire, WI 15.49
Edison, NJ 12.52
Fairbanks, AK 15.29
Fajardo, PR 4.88
Fargo, ND-MN 12.83
Fayetteville-Springdale-Rogers, AR-MO 16.47
Flagstaff, AZ 12.13
Fond du Lac, WI 15.04
Fort Collins-Loveland, CO 16.45
Gainesville, FL 13.40
Great Falls, MT 15.17
Green Bay, WI 16.35
Guayama, PR 4.08
Harrisburg-Carlisle, PA 14.58
Harrisonburg, VA 11.57
Holland-Grand Haven, MI 13.45
Iowa City, IA 6.08
Ithaca, NY 3.87
Kingston, NY 15.30
La Crosse, WI-MN 12.96
Lancaster, PA 13.26
Lawrence, KS 9.79
Lebanon, PA 15.11
Lewiston, ID-WA 16.48
Lincoln, NE 13.78
Madison, WI 9.99
Missoula, MT 10.69
Morgantown, WV 5.50
Ocean City, NJ 14.37
Oshkosh-Neenah, WI 15.20
Panama City-Lynn Haven, FL 16.06
Parkersburg-Marietta, WV-OH 15.27
Peoria, IL 15.94
Philadelphia, PA 13.90
Pittsfield, MA 11.68
Portland-South Portland-Biddeford, ME 15.79
Raleigh-Cary, NC 16.48
Rochester, MN 10.89
Rochester, NY 15.67
San Francisco-San Mateo-Redwood City, CA 12.79
San Luis Obispo-Paso Robles, CA 14.99
Santa Fe, NM 12.10
Sheboygan, WI 16.56
Sioux Falls, SD 11.34
Springfield, IL 13.55
State College, PA 8.07
Syracuse, NY 12.27
Trenton-Ewing, NJ 15.21
Utica-Rome, NY 14.14
Waterloo-Cedar Falls, IA 10.50
Wausau, WI 13.78
Wilmington, NC 13.66

Second quintile, 16.60-19.85 percent: Includes MSAs in the West, the South, and the Northeast.

Second quintile (16.60-19.85)
Metropolitan statistical area Percent
Albany-Schenectady-Troy, NY 17.02
Albuquerque, NM 17.61
Allentown-Bethlehem-Easton, PA-NJ 18.72
Amarillo, TX 18.71
Anchorage, AK 17.82
Athens-Clarke County, GA 18.19
Augusta-Richmond County, GA-SC 16.90
Austin-Round Rock, TX 16.71
Bethesda-Frederick-Gaithersburg, MD 17.57
Binghamton, NY 18.68
Boston-Quincy, MA 19.19
Bridgeport-Stamford-Norwalk, CT 17.68
Camden, NJ 19.11
Cheyenne, WY 16.94
Coeur d'Alene, ID 18.16
Dalton, GA 17.80
Decatur, IL 17.86
Des Moines, IA 17.75
Dover, DE 19.84
Erie, PA 18.34
Evansville, IN-KY 19.55
Fort Walton Beach-Crestview-Destin, FL 17.67
Goldsboro, NC 17.10
Grand Forks, ND-MN 17.33
Greenville, NC 16.74
Greenville, SC 19.48
Hagerstown-Martinsburg, MD-WV 19.14
Hartford-West Hartford-East Hartford, CT 18.72
Hot Springs, AR 19.85
Huntsville, AL 19.23
Jacksonville, NC 17.02
Jefferson City, MO 17.85
Johnson City, TN 18.43
Johnstown, PA 17.69
Kalamazoo-Portage, MI 18.18
Kingsport-Bristol-Bristol, TN-VA 19.20
Lafayette, IN 18.46
Lafayette, LA 17.44
Las Cruces, NM 17.49
Lexington-Fayette, KY 19.15
Logan, UT-ID 18.14
Lynchburg, VA 16.98
Manchester-Nashua, NH 17.17
Monroe, MI 19.31
Montgomery, AL 19.85
New York-Wayne-White Plains, NY-NJ 18.70
Omaha-Council Bluffs, NE-IA 18.65
Owensboro, KY 17.85
Pittsburgh, PA 19.27
Pocatello, ID 17.16
Poughkeepsie-Newburgh-Middletown, NY 18.19
Prescott, AZ 17.72
Racine, WI 17.73
Rapid City, SD 18.20
Reading, PA 18.31
Reno-Sparks, NV 19.44
Richmond, VA 17.00
Roanoke, VA 19.01
Rockingham County-Strafford County, NH 17.17
San Jose-Sunnyvale-Santa Clara, CA 19.57
Sandusky, OH 19.32
Santa Cruz-Watsonville, CA 18.72
Sarasota-Bradenton-Venice, FL 19.06
Savannah, GA 18.42
Seattle-Bellevue-Everett, WA 18.25
St. Cloud, MN 18.33
Tallahassee, FL 17.14
Toledo, OH 17.67
Tucson, AZ 19.05
Tuscaloosa, AL 16.83
Virginia Beach-Norfolk-Newport News, VA-NC 18.23
Wenatchee, WA 19.53
Williamsport, PA 18.03
Wilmington, DE-MD-NJ 16.63
Winston-Salem, NC 18.02
York-Hanover, PA 18.41

Third quintile, 19.86-23.42 percent: Includes MSAs in the West, the South, and the Midwest.

Third quintile (19.86-23.42)
Metropolitan statistical area Percent
Akron, OH 22.34
Altoona, PA 22.07
Anderson, SC 20.90
Baltimore-Towson, MD 20.39
Barnstable Town, MA 21.44
Boise City-Nampa, ID 23.28
Bowling Green, KY 21.01
Bremerton-Silverdale, WA 21.46
Brunswick, GA 21.23
Burlington, NC 23.27
Carson City, NV 20.71
Casper, WY 22.56
Charlotte-Gastonia-Concord, NC-SC 22.35
Chico, CA 23.06
Cincinnati-Middletown, OH-KY-IN 21.82
Cleveland-Elyria-Mentor, OH 22.96
College Station-Bryan, TX 20.34
Colorado Springs, CO 23.23
Columbus, OH 20.15
Davenport-Moline-Rock Island, IA-IL 20.45
Duluth, MN-WI 20.96
Elmira, NY 22.70
Essex County, MA 21.76
Florence-Muscle Shoals, AL 23.42
Fort Wayne, IN 22.21
Gainesville, GA 21.55
Grand Junction, CO 21.50
Grand Rapids-Wyoming, MI 22.73
Greensboro-High Point, NC 22.48
Gulfport-Biloxi, MS 21.17
Hickory-Lenoir-Morganton, NC 22.78
Honolulu, HI 21.01
Huntington-Ashland, WV-KY-OH 20.12
Idaho Falls, ID 21.11
Jacksonville, FL 21.98
Janesville, WI 21.88
Kennewick-Richland-Pasco, WA 22.07
Knoxville, TN 22.69
Lake County-Kenosha County, IL-WI 20.01
Little Rock-North Little Rock, AR 22.49
Louisville, KY-IN 22.60
Milwaukee-Waukesha-West Allis, WI 20.76
Minneapolis-St. Paul-Bloomington, MN-WI 20.83
Mount Vernon-Anacortes, WA 21.12
Myrtle Beach-Conway-North Myrtle Beach, SC 20.09
Napa, CA 21.51
Naples-Marco Island, FL 23.06
Nassau-Suffolk, NY 22.94
New Orleans-Metairie-Kenner, LA 22.54
Newark-Union, NJ-PA 21.40
Niles-Benton Harbor, MI 22.70
Norwich-New London, CT 20.34
Ocala, FL 23.15
Oklahoma City, OK 22.82
Olympia, WA 21.00
Palm Bay-Melbourne-Titusville, FL 21.12
Pensacola-Ferry Pass-Brent, FL 20.90
Portland-Vancouver-Beaverton, OR-WA 23.11
Rome, GA 20.31
Salisbury, MD 22.21
Santa Rosa-Petaluma, CA 22.08
Sioux City, IA-NE-SD 20.03
Spokane, WA 20.53
Springfield, MO 22.05
Topeka, KS 20.22
Tyler, TX 21.05
Valdosta, GA 21.93
Vero Beach, FL 20.64
Victoria, TX 22.84
Warren-Farmington Hills-Troy, MI 22.69
Washington-Arlington-Alexandria, DC-VA-MD-WV 20.80
Wheeling, WV-OH 20.19
Wichita, KS 21.56
Winchester, VA-WV 21.34
Worcester, MA 22.60
Yuma, AZ 21.36

Fourth quintile, 23.43-28.57 percent: Includes MSAs in the West, the South, the Midwest, and the Northeast.

Fourth quintile (23.43-28.57)
Metropolitan statistical area Percent
Albany, GA 27.62
Atlanta-Sandy Springs-Marietta, GA 27.01
Atlantic City, NJ 24.51
Bangor, ME 24.91
Baton Rouge, LA 25.92
Battle Creek, MI 27.49
Bay City, MI 23.70
Beaumont-Port Arthur, TX 27.68
Birmingham-Hoover, AL 24.32
Chattanooga, TN-GA 26.53
Chicago-Naperville-Joliet, IL 27.25
Columbia, SC 24.48
Columbus, GA-AL 27.34
Corpus Christi, TX 28.57
Cumberland, MD-WV 23.51
Danville, IL 24.00
Danville, VA 25.34
Dayton, OH 23.67
Decatur, AL 25.85
Deltona-Daytona Beach-Ormond Beach, FL 26.04
Denver-Aurora, CO 25.07
Dothan, AL 24.83
Elkhart-Goshen, IN 27.85
Eugene-Springfield, OR 23.59
Farmington, NM 23.90
Florence, SC 28.03
Gary, IN 27.93
Glens Falls, NY 24.40
Hattiesburg, MS 26.68
Houma-Bayou Cane-Thibodaux, LA 25.82
Indianapolis, IN 23.67
Joplin, MO 28.50
Kankakee-Bradley, IL 26.56
Kansas City, MO-KS 24.55
Killeen-Temple-Fort Hood, TX 28.52
Kokomo, IN 27.57
Lake Charles, LA 24.40
Lansing-East Lansing, MI 25.18
Lewiston-Auburn, ME 26.41
Lima, OH 28.36
Lubbock, TX 24.29
Mansfield, OH 24.32
Medford, OR 23.44
Monroe, LA 27.58
Morristown, TN 27.23
Muncie, IN 25.77
Nashville-Davidson--Murfreesboro, TN 24.86
New Haven-Milford, CT 25.70
Oakland-Fremont-Hayward, CA 26.07
Ogden-Clearfield, UT 27.90
Orlando, FL 27.00
Oxnard-Thousand Oaks-Ventura, CA 25.42
Pascagoula, MS 28.57
Phoenix-Mesa-Scottsdale, AZ 26.76
Providence-New Bedford-Fall River, RI-MA 27.58
Provo-Orem, UT 26.22
Punta Gorda, FL 24.20
Salt Lake City, UT 27.91
San Angelo, TX 26.98
San Antonio, TX 27.88
San Diego-Carlsbad-San Marcos, CA 24.62
Santa Ana-Anaheim-Irvine, CA 24.55
Santa Barbara-Santa Maria-Goleta, CA 25.61
Scranton--Wilkes-Barre, PA 25.39
South Bend-Mishawaka, IN-MI 26.39
Spartanburg, SC 24.05
Springfield, MA 24.46
St. George, UT 23.63
St. Louis, MO-IL 23.81
Tampa-St. Petersburg-Clearwater, FL 25.36
Terre Haute, IN 24.63
Tulsa, OK 26.36
Warner Robins, GA 24.15
Weirton-Steubenville, WV-OH 23.75
West Palm Beach-Boca Raton-Boynton Beach, FL 25.46
Wichita Falls, TX 27.89

Fifth quintile, 28.58-52.64 percent: Includes MSAs in the West, the South, and the Midwest.

Fifth quintile (28.58-52.64)
Metropolitan statistical area Percent
Abilene, TX 35.81
Alexandria, LA 32.22
Anderson, IN 34.55
Anniston-Oxford, AL 29.19
Bakersfield, CA 43.13
Brownsville-Harlingen, TX 46.60
Canton-Massillon, OH 29.21
Cape Coral-Fort Myers, FL 32.91
Clarksville, TN-KY 33.44
Cleveland, TN 32.27
Dallas-Plano-Irving, TX 29.14
Detroit-Livonia-Dearborn, MI 48.56
El Centro, CA 44.36
El Paso, TX 34.31
Elizabethtown, KY 32.51
Fayetteville, NC 32.39
Flint, MI 34.72
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 33.87
Fort Smith, AR-OK 30.44
Fort Worth-Arlington, TX 30.34
Fresno, CA 37.35
Gadsden, AL 29.31
Greeley, CO 29.14
Hanford-Corcoran, CA 33.45
Hinesville-Fort Stewart, GA 33.64
Houston-Baytown-Sugar Land, TX 34.59
Jackson, MI 34.71
Jackson, MS 35.50
Jackson, TN 32.22
Jonesboro, AR 29.13
Lakeland, FL 31.55
Laredo, TX 45.80
Las Vegas-Paradise, NV 30.53
Lawton, OK 34.45
Longview, TX 29.52
Longview, WA 34.37
Los Angeles-Long Beach-Glendale, CA 34.71
Macon, GA 36.70
Madera, CA 40.03
McAllen-Edinburg-Pharr, TX 52.64
Memphis, TN-MS-AR 40.22
Merced, CA 42.37
Miami-Miami Beach-Kendall, FL 41.62
Michigan City-La Porte, IN 33.18
Midland, TX 29.85
Mobile, AL 30.33
Modesto, CA 38.39
Muskegon-Norton Shores, MI 29.89
Odessa, TX 49.38
Pine Bluff, AR 29.27
Port St. Lucie-Fort Pierce, FL 30.42
Pueblo, CO 36.65
Redding, CA 30.05
Riverside-San Bernardino-Ontario, CA 40.25
Rockford, IL 30.00
Rocky Mount, NC 32.60
Sacramento--Arden-Arcade--Roseville, CA 29.89
Saginaw-Saginaw Township North, MI 30.29
Salem, OR 30.31
Salinas, CA 33.82
Sherman-Denison, TX 34.30
Shreveport-Bossier City, LA 28.89
Springfield, OH 33.75
St. Joseph, MO-KS 33.31
Stockton, CA 40.49
Sumter, SC 33.67
Tacoma, WA 31.00
Texarkana, TX-Texarkana, AR 28.78
Vallejo-Fairfield, CA 36.15
Vineland-Millville-Bridgeton, NJ 35.00
Visalia-Porterville, CA 37.28
Waco, TX 29.02
Yakima, WA 28.61
Youngstown-Warren-Boardman, OH-PA 30.26
Yuba City, CA 33.40

Source: Federal Financial Institutions Examination Council, data reported under the Home Mortgage Disclosure Act (www.ffiec.gov/hmda).