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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Hernando County Hernando American Indian or Alaska Native 12 26 2
Hernando County Hernando Asian 51 18 15
Hernando County Hernando Black or African American 170 75 70
Hernando County Hernando Native Hawaiian or Other Pacific Islander 9 1 10
Hernando County Hernando White 4363 1151 1229
Hernando County Hernando Information not provided by applicant in mail, Internet, or telephone application 518 176 181
Hernando County Hernando Not applicable 28 1 8
Hernando County Hernando Total 5151 1448 1515
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Hernando County Hernando Hispanic or Latino 514 177 196
Hernando County Hernando Not Hispanic or Latino 4086 1081 1091
Hernando County Hernando Information not provided by applicant in mail, Internet, or telephone application 516 189 219
Hernando County Hernando Not applicable 35 1 9
Hernando County Hernando Total 5151 1448 1515
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Hernando County Hernando Debt-to-income ratio 200
Hernando County Hernando Employment history 19
Hernando County Hernando Credit history 118
Hernando County Hernando Collateral 257
Hernando County Hernando Insufficient cash (downpayment, closing costs) 54
Hernando County Hernando Unverifiable information 54
Hernando County Hernando Credit application incomplete 65
Hernando County Hernando Mortgage insurance denied 10
Hernando County Hernando Other 104
Hernando County Hernando Not avail. 567
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016