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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Bradford County County Bradford County American Indian or Alaska Native - 1 -
Bradford County County Bradford County Asian 1 - -
Bradford County County Bradford County Black or African American 9 12 1
Bradford County County Bradford County Native Hawaiian or Other Pacific Islander 1 - -
Bradford County County Bradford County White 144 67 46
Bradford County County Bradford County Information not provided by applicant in mail, Internet, or telephone application 11 6 10
Bradford County County Bradford County Not applicable - 1 -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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 County Bradford County Hispanic or Latino 2 2 2
Bradford County County Bradford County Not Hispanic or Latino 142 71 34
Bradford County County Bradford County Information not provided by applicant in mail, Internet, or telephone application 22 13 21
Bradford County County Bradford County Not applicable - 1 -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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 County Bradford County Debt-to-income ratio 14
Bradford County County Bradford County Employment history 3
Bradford County County Bradford County Credit history 28
Bradford County County Bradford County Collateral 10
Bradford County County Bradford County Insufficient cash (downpayment, closing costs) 1
Bradford County County Bradford County Credit application incomplete 3
Bradford County County Bradford County Other 3
Bradford County County Bradford County Not avail. 25
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016