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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Highlands County Highlands American Indian or Alaska Native 2 4 7
Highlands County Highlands Asian 32 6 20
Highlands County Highlands Black or African American 76 36 17
Highlands County Highlands Native Hawaiian or Other Pacific Islander 4 - -
Highlands County Highlands White 1571 411 426
Highlands County Highlands Information not provided by applicant in mail, Internet, or telephone application 120 69 46
Highlands County Highlands Not applicable 76 9 5
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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 Highlands Hispanic or Latino 326 92 79
Highlands County Highlands Not Hispanic or Latino 1366 371 393
Highlands County Highlands Information not provided by applicant in mail, Internet, or telephone application 113 63 44
Highlands County Highlands Not applicable 76 9 5
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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 Highlands Debt-to-income ratio 104
Highlands County Highlands Employment history 8
Highlands County Highlands Credit history 98
Highlands County Highlands Collateral 88
Highlands County Highlands Insufficient cash (downpayment, closing costs) 26
Highlands County Highlands Unverifiable information 21
Highlands County Highlands Credit application incomplete 36
Highlands County Highlands Mortgage insurance denied 1
Highlands County Highlands Other 25
Highlands County Highlands Not avail. 128
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016