+ All Categories
Home > Documents > Convergence of FHA and Subprime Lending Patterns, New …Convergence of FHA and Subprime Lending...

Convergence of FHA and Subprime Lending Patterns, New …Convergence of FHA and Subprime Lending...

Date post: 05-Jun-2020
Category:
Upload: others
View: 1 times
Download: 0 times
Share this document with a friend
1
Suffolk Ulster Sullivan Pike Orange Ocean Wayne Bucks Litchfield Hartford Atlantic Monroe Sussex Dutchess Fairfield Burlington Morris New London New Haven Windham Salem Tolland Warren Monmouth Nassau Hunterdon Cumberland Westchester Middlesex Bergen Montgomery Mercer Putnam Somerset Middlesex Gloucester Camden Passaic Rockland Kent Essex Cape May Union Queens Delaware Kings Philadelphia Kent Bronx Carbon Suffolk Suffolk Columbia Convergence of FHA and Subprime Lending Patterns New York-Northern New Jersey- Long Island, NY-NJ-PA 10314 07052 07036 07470 07032 11050 10312 10306 07114 11234 10309 07083 07201 11030 07002 07666 07305 07424 07094 07003 07006 07008 07047 07105 07631 08861 07009 10303 07670 07013 07071 07601 10305 07512 11580 07072 07652 11385 10465 07042 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 11355 11358 10310 11212 10701 112HH 100HH 11422 114HH 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 11362 11020 11379 11693 10308 11230 071HH 07208 07074 11220 07660 10463 07206 11105 10307 11418 07661 11426 11433 10460 11210 11423 07064 07018 11356 07302 11224 11694 11206 07605 07604 07029 11225 11232 10805 10021 07028 07030 10457 11509 10025 07514 10456 10454 07021 11692 07010 07508 10452 10002 10543 07603 10019 11239 088HH 103HH 074HH 07066 Legend FHA Endorsement Quadrant 1* FHA Endorsement Quandrant 2** Subprime Quadrants 1 and 2 2000 Zip Code Tabulation Area L * FHA Endorsement Quadrant 1 includes the Census Tracts in the upper quartile ranking for both FHA market share and the number of 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 but only in the second highest quartile for FHA market share.) 0 1 2 3 4 5 0.5 Miles 1 2 3 4 Total Count Count Count Count Count 1 770 254 0 0 1,024 2 316 541 0 0 857 3 0 0 2,467 0 2,467 4 0 0 0 0 0 Total 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
Transcript
Page 1: Convergence of FHA and Subprime Lending Patterns, New …Convergence of FHA and Subprime Lending Patterns New York-Northern New Jersey-Long Island, NY-NJ-PA 10314 07052 07036 07470

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

Recommended