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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.
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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.Skip table
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.Skip table
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.Skip table
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.Skip table
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).
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