High-Cost Thresholds by state
State-level rate-spread or points-and-fees thresholds that trigger high-cost or anti-predatory loan rules.
3 states covered. Select a state for the full answer and its citation.
| State | High-Cost Thresholds |
|---|---|
| Florida | Florida adopts the federal HOEPA thresholds for defining a high-cost home loan; it does not impose stricter state-specific numeric APR or points-and-fees triggers. |
| New York | New York has a high-cost home loan law with thresholds that differ from federal HOEPA. For first-lien mortgage on principal dwelling, high-cost if APR exceeds yield on comparable-maturity U.S. Treasury securities by more than 8 percentage p… |
| Texas | Texas has a high-cost home loan law that incorporates the federal HOEPA rate and fee thresholds but is stricter in scope. It includes purchase-money residential mortgage transactions (which federal HOEPA generally excludes) if the loan amou… |
Other state comparisons
- Prepayment Penalty Rules by state (44 states)
- Disclosure Requirements by state (38 states)
- Required Documents by state (30 states)
- Permissible Fees by state (17 states)
Researched and verified against primary sources by AI, with the controlling citation shown on every answer. Not human-reviewed and not legal advice — confirm against the cited source before relying on it.