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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Indian River County Indian River American Indian or Alaska Native 19 4 6
Indian River County Indian River Asian 84 16 17
Indian River County Indian River Black or African American 122 19 25
Indian River County Indian River Native Hawaiian or Other Pacific Islander 5 - 5
Indian River County Indian River White 5018 742 1039
Indian River County Indian River Information not provided by applicant in mail, Internet, or telephone application 605 116 190
Indian River County Indian River Not applicable 61 5 11
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Indian River County Indian River Hispanic or Latino 385 89 66
Indian River County Indian River Not Hispanic or Latino 4890 686 1010
Indian River County Indian River Information not provided by applicant in mail, Internet, or telephone application 576 122 203
Indian River County Indian River Not applicable 63 5 14
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Indian River County Indian River Debt-to-income ratio 176
Indian River County Indian River Employment history 19
Indian River County Indian River Credit history 96
Indian River County Indian River Collateral 100
Indian River County Indian River Insufficient cash (downpayment, closing costs) 26
Indian River County Indian River Unverifiable information 22
Indian River County Indian River Credit application incomplete 90
Indian River County Indian River Other 59
Indian River County Indian River Not avail. 314
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016