This analysis is part of a continuing sequence of case studies conducted by the National Urban Research Group to examining the Borrowing While Black racial disparities in the allocation of higher cost subprime mortgage products. To understand racial disparities in the subprime refinance sector, the National Urban Research Group (NURG) conducted cross-sectional conducted cross-sectional descriptive analysis, from the years 2004 to 2008, in order to provide a national descriptive picture of Borrowing While Black influences on choice of mortgage product. The data contained information on every applicant for refinance mortgages made in the United States over this four-year period. After applying all filters, the final dataset contains information on approximately 22.9 million mortgages. Of which, 12.6 million was use for refinancing an existing mortgage.