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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Lake County Lake American Indian or Alaska Native 70 22 23
Lake County Lake Asian 408 103 51
Lake County Lake Black or African American 1127 314 352
Lake County Lake Native Hawaiian or Other Pacific Islander 50 16 9
Lake County Lake White 15140 2281 3137
Lake County Lake Information not provided by applicant in mail, Internet, or telephone application 1392 409 417
Lake County Lake Not applicable 153 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Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Lake County Lake Hispanic or Latino 2148 471 511
Lake County Lake Not Hispanic or Latino 14635 2263 3070
Lake County Lake Information not provided by applicant in mail, Internet, or telephone application 1402 411 408
Lake County Lake Not applicable 155 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Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Lake County Lake Debt-to-income ratio 674
Lake County Lake Employment history 55
Lake County Lake Credit history 390
Lake County Lake Collateral 342
Lake County Lake Insufficient cash (downpayment, closing costs) 107
Lake County Lake Unverifiable information 89
Lake County Lake Credit application incomplete 270
Lake County Lake Mortgage insurance denied 6
Lake County Lake Other 192
Lake County Lake Not avail. 1029
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016