Number of Refinancing Loans Made by Subprime Lenders in 2000
                 by Borrower Racial and Borrower Income Category
            
                          2000 HMDA Data for All MSAs      



     Number of Refinancing Loan Originations in 2000 made by Subprime Lenders
                  by Borrower Racial and Borrower Income Category                
           
 
                                          
                                 Borrower Racial Category:             

                                                                        All
                                                     African-        Borrowers
                            White      Hispanic      American      
Borrower                    
Income Level:              


 Low Income                 27540         4114        20166            83107 
                           
                             
 Moderate Income            52595         8747        22825           132213
                           
                                                                 
 Lower-Middle Income        31675         5151        10117            74195
                                                       

 Upper-Middle Income        25008         3768         6734            56036 
                                                       

 Upper Income               59732         7801        11922           125385
                            
                            

   All Borrowers           201636        30260        72750           480702
                            
                            



           Sources: FFIEC, 2000 HMDA data; and HUD, 2000 List of Subprime and
                    Manufactured Home Lenders.