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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Highlands County County Highlands County American Indian or Alaska Native 1 2 4
Highlands County County Highlands County Asian 17 3 10
Highlands County County Highlands County Black or African American 40 19 9
Highlands County County Highlands County Native Hawaiian or Other Pacific Islander 2 - -
Highlands County County Highlands County White 849 219 226
Highlands County County Highlands County Information not provided by applicant in mail, Internet, or telephone application 63 37 28
Highlands County County Highlands County Not applicable 41 5 3
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Highlands County County Highlands County Hispanic or Latino 175 47 40
Highlands County County Highlands County Not Hispanic or Latino 738 200 210
Highlands County County Highlands County Information not provided by applicant in mail, Internet, or telephone application 59 33 27
Highlands County County Highlands County Not applicable 41 5 3
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Highlands County County Highlands County Debt-to-income ratio 54
Highlands County County Highlands County Employment history 4
Highlands County County Highlands County Credit history 55
Highlands County County Highlands County Collateral 46
Highlands County County Highlands County Insufficient cash (downpayment, closing costs) 14
Highlands County County Highlands County Unverifiable information 11
Highlands County County Highlands County Credit application incomplete 19
Highlands County County Highlands County Mortgage insurance denied 1
Highlands County County Highlands County Other 14
Highlands County County Highlands County Not avail. 67
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016