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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Baker County Baker American Indian or Alaska Native 4 - -
Baker County Baker Asian 4 - -
Baker County Baker Black or African American 11 11 3
Baker County Baker White 411 140 100
Baker County Baker Information not provided by applicant in mail, Internet, or telephone application 29 18 23
Baker County Baker Not applicable 2 - -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Baker County Baker Hispanic or Latino 14 - -
Baker County Baker Not Hispanic or Latino 400 124 87
Baker County Baker Information not provided by applicant in mail, Internet, or telephone application 45 45 39
Baker County Baker Not applicable 2 - -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Baker County Baker Debt-to-income ratio 22
Baker County Baker Employment history 5
Baker County Baker Credit history 40
Baker County Baker Collateral 20
Baker County Baker Unverifiable information 4
Baker County Baker Credit application incomplete 2
Baker County Baker Other 15
Baker County Baker Not avail. 61
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016