The HMDA data suggest that only 4 percent of mortgages originated in 2011 carried APRs this high. However, as demand picks up and lending standards ease, the number of potentially higherpriced loans may increase.
In 2006 – admittedly, not one of the best years for prudent  11  Homeowner DTI is measured at the time of the survey, not at the time of loan origination, and may understate the number of affected households if household finances improve after the purchase of a home.