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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Madison County Madison American Indian or Alaska Native 4 - -
Madison County Madison Asian - 2 1
Madison County Madison Black or African American 20 50 24
Madison County Madison White 90 50 48
Madison County Madison Information not provided by applicant in mail, Internet, or telephone application 16 21 13
Madison County Madison Not applicable 15 - -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Madison County Madison Hispanic or Latino 13 9 4
Madison County Madison Not Hispanic or Latino 99 71 52
Madison County Madison Information not provided by applicant in mail, Internet, or telephone application 18 43 30
Madison County Madison Not applicable 15 - -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Madison County Madison Debt-to-income ratio 8
Madison County Madison Credit history 7
Madison County Madison Collateral 6
Madison County Madison Not avail. 102
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016