Among the 10 metro areas with highest gaps, a median of 9.5% of all borrowers received high-cost purchase mortgages, while 20% of Black borrowers received high-cost mortgages — a gap of 12 percentage points. They were:

Cleveland had 9.5% high-cost mortgages overall, and 26.6% among Blacks — a 17.1-point gap.
Detroit had 9.9% high-cost mortgages overall, and 26.5% among Blacks — a 16.6-point gap.
Milwaukee had 5.1% high-cost mortgages overall, and 20.5% among Blacks — a 15.4-point gap.
Columbus, Ohio had 8.5% high-cost mortgages overall, and 22.3% among Blacks — a 13.8-point gap.
Philadelphia had 7.3% high-cost mortgages overall, and 21.1% among Blacks — a 13.8-point gap.
Chicago had 9.4% high-cost mortgages overall, and 23.1% among Blacks — a 13.7-point gap.
St. Louis had 6.6% high-cost mortgages overall, and 19.4% among Blacks — a 12.8-point gap.
Jacksonville, Fla., had 9.6% high-cost mortgages overall, and 21.8% among Blacks — a 12.2-point gap.
Louisville, Ky., had 7.8% high-cost mortgages overall, and 19.9% among Blacks — a 12.1-point gap.
Baltimore had 6.5% high-cost mortgages overall, and 18.5% among Blacks — a 12.1-point gap.

Among the 10 metro areas with the lowest gaps, a median of 4.5% of all borrowers received high-cost mortgages, while 11.3% of black borrowers received high-cost mortgages — a gap of 6.2 percentage points. They were:

Minneapolis had 3.2% high-cost mortgages overall, and 9.3% among Blacks — a 6.1-point gap.
Riverside, Calif., had 8.7% high-cost mortgages overall, and 14.3% among Blacks — a 5.6-point gap.
Raleigh, N.C., had 3.4% high-cost mortgages overall, and 8.7% among Blacks — a 5.3-point gap.
Portland, Ore., had 3.8% high-cost mortgages overall, and 8.8% among Blacks — a 5-point gap.
Boston had 2.5% high-cost mortgages overall, and 6.9% among Blacks — a 4.4-point gap.
Buffalo, N.Y., had 4.7% high-cost mortgages overall, and 8.9% among Blacks — a 4.2-point gap.
Salt Lake City had 7.7% high-cost mortgages overall, and 11.3% among Blacks — a 3.6-point gap.
San Jose, Calif., had 1.9% high-cost mortgages overall, and 4.5% among Blacks — a 2.6-point gap.
San Diego had 2.8% high-cost mortgages overall, and 4.4% among Blacks — a 1.6-point gap.
San Antonio had 9.9% high-cost mortgages overall, and 10.5% among Blacks — a 0.5-point gap.

Instant Insights /

Blacks More Likely to Get High-Cost Mortgages

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