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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
DeSoto County DeSoto American Indian or Alaska Native - - 2
DeSoto County DeSoto Asian 1 - -
DeSoto County DeSoto Black or African American 6 16 1
DeSoto County DeSoto White 253 95 75
DeSoto County DeSoto Information not provided by applicant in mail, Internet, or telephone application 16 7 9
DeSoto County DeSoto Not applicable 3 - 1
DeSoto County DeSoto Total 279 118 88
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness. Excludes loans that were purchased by a financial institution and pre-approval requests.
Sources:  Home Mortgage Disclosure Act data 2016
Home Purchase Loan Approval/Denial by Hispanic/Latino Ethnicity, 2016
Application Count
Place County Applicant Ethnicity Loan Originated Application DeniedOther
DeSoto County DeSoto Hispanic or Latino 60 16 29
DeSoto County DeSoto Not Hispanic or Latino 193 94 47
DeSoto County DeSoto Information not provided by applicant in mail, Internet, or telephone application 23 8 11
DeSoto County DeSoto Not applicable 3 - 1
DeSoto County DeSoto Total 279 118 88
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness. Excludes loans that were purchased by a financial institution and pre-approval requests.
Sources:  Home Mortgage Disclosure Act data 2016
Home Purchase Loan Application Denial Reasons, 2016
Place County Denial ReasonApplications Count
DeSoto County DeSoto Debt-to-income ratio 10
DeSoto County DeSoto Employment history 4
DeSoto County DeSoto Credit history 21
DeSoto County DeSoto Collateral 19
DeSoto County DeSoto Insufficient cash (downpayment, closing costs) 8
DeSoto County DeSoto Unverifiable information 3
DeSoto County DeSoto Credit application incomplete 10
DeSoto County DeSoto Mortgage insurance denied 6
DeSoto County DeSoto Other 15
DeSoto County DeSoto Not avail. 22
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016