Suffolk

UlsterSullivan

Pike Orange

Ocean

Wayne

Bucks

Litchfield Hartford

Atlantic

Monroe Sussex

Dutchess

Fairfield

Burlington

Morris

New LondonNew Haven

Windham

Salem

Tolland

Warren

Monmouth

NassauHunterdon

Cumberland

Westchester

Middlesex

Bergen

MontgomeryMercer

Putnam

SomersetMiddlesex

GloucesterCamden

PassaicRockland

Kent

Essex

Cape May

Union Queens

Delaware

Kings

Philadelphia

Kent

BronxCarbon

SuffolkSuffolk

Columbia

Convergence of FHA and Subprime Lending Patterns

New York-Northern New Jersey-Long Island, NY-NJ-PA

10314

07052

07036

07470

07032

11050

1031210306

07114

11234

10309

07083

07201

11030

07002

07666

07305

07424

0709407003

07006

07008

07047

07105

07631

08861

07009

10303

07670

07013

07071

07601

10305

07512

11580

07072

07652

11385

1046507042

11040

11208

11003

11236

07110

07011

07109

10801

11024

07079

07055

07410

07040 07111

11434

07065

11364

07621

11101

07044

10471

11357

11691

07306

10704

07407

11001

07205

11375

11021

11377

07203

07657

11368

10469

07004

11365

07644

07103

11203

11223

11420

1135511358

10310

11212

10701

112HH

100HH

11422114HH

116HH

113HH

11559 115HH

10301

104HH

070HH

10304

07202

07031

11413

11430

10467

11207

11581

07001

07307

07663

10464

11214

11378

07043

11235

07104

11697

07024

07632

076HH

07070

07012

07017

11209

11432

11215

10803

10461

07026

11229

07050

11557

10538

07087

07095

11231

10473

07077

10466

110HH

11598

07501

07304

10550

07073

11412

11361

11211

1136211020

11379

11693

10308

11230

071HH

07208

07074

11220

0766010463

07206

11105

10307

11418

07661

11426

11433

10460

11210

11423

07064

07018

11356

07302

11224

11694

11206

0760507604

07029

1122511232

10805

10021

07028

07030

10457

11509

10025

07514

10456

10454

07021

11692

07010

07508

10452

10002

10543

07603

10019

11239

088HH

103HH

074HH

07066

LegendFHA Endorsement Quadrant 1*FHA Endorsement Quandrant 2**Subprime Quadrants 1 and 22000 Zip Code Tabulation Area

L

* FHA Endorsement Quadrant 1 includes theCensus Tracts in the upper quartile rankingfor both FHA market share and the numberof FHA loans originated in 2004 and 2005.** FHA Endorsement Quadrant 2 includes the Census tracts not in Quadrant 1 but otherwise in the first two quadrants on both measures, (e.g., in the upper quartile for FHA loan volume butonly in the second highest quartile for FHA market share.)

0 1 2 3 4 50.5Miles

1 2 3 4 TotalCount Count Count Count Count

1 770 254 0 0 1,0242 316 541 0 0 8573 0 0 2,467 0 2,4674 0 0 0 0 0Total 1,086 795 2,467 0 4,348

A Quartile Ranking of '1' Denotes the Quartile with the Highest Value

New York, NY: Relationship of Quartile Rankings, Volume of BY FHA Home Purchase Loans as Percent of All Such Loans Originated in 2004 - 2005

Quartiles, FHA as a Percent of All Loans

Quartiles, Number of FHA Loans