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The fact that CDFI loans tend to be smaller in value and carry a higher interest rate is not unexpected given that, as we have seen throughout this report, these institutions tend to loan to lower-income, and therefore potentially higher-risk, homebuyerssomething which is also reflected in the generally higher debt-to-income (DTI) ratio among CDFI loans Comparing New Yorks CDFIs to CDFIs in other cities, we see that median loan amounts are higher in NYCunsurprising given the citys notoriously expensive housing

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Some smokers believe that when one uses Camel cigarettes, the individuals life changes and resembles the images of people appearing on top of the Camel

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