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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Bradford County Bradford American Indian or Alaska Native - 2 -
Bradford County Bradford Asian 2 - -
Bradford County Bradford Black or African American 18 29 5
Bradford County Bradford Native Hawaiian or Other Pacific Islander 3 - -
Bradford County Bradford White 353 158 123
Bradford County Bradford Information not provided by applicant in mail, Internet, or telephone application 27 15 22
Bradford County Bradford Not applicable - 2 -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Bradford County Bradford Hispanic or Latino 5 4 6
Bradford County Bradford Not Hispanic or Latino 344 160 91
Bradford County Bradford Information not provided by applicant in mail, Internet, or telephone application 54 40 53
Bradford County Bradford Not applicable - 2 -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Bradford County Bradford Debt-to-income ratio 29
Bradford County Bradford Employment history 7
Bradford County Bradford Credit history 61
Bradford County Bradford Collateral 21
Bradford County Bradford Insufficient cash (downpayment, closing costs) 2
Bradford County Bradford Credit application incomplete 6
Bradford County Bradford Other 8
Bradford County Bradford Not avail. 72
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016