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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Miami-Dade County Miami-Dade American Indian or Alaska Native 40 18 8
Miami-Dade County Miami-Dade Asian 400 153 120
Miami-Dade County Miami-Dade Black or African American 2031 775 731
Miami-Dade County Miami-Dade Native Hawaiian or Other Pacific Islander 70 23 22
Miami-Dade County Miami-Dade White 22349 5454 6087
Miami-Dade County Miami-Dade Information not provided by applicant in mail, Internet, or telephone application 1543 727 675
Miami-Dade County Miami-Dade Not applicable 1081 149 209
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Miami-Dade County Miami-Dade Hispanic or Latino 18417 4471 4834
Miami-Dade County Miami-Dade Not Hispanic or Latino 6683 2097 2236
Miami-Dade County Miami-Dade Information not provided by applicant in mail, Internet, or telephone application 1332 582 570
Miami-Dade County Miami-Dade Not applicable 1082 149 212
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Miami-Dade County Miami-Dade Debt-to-income ratio 1384
Miami-Dade County Miami-Dade Employment history 75
Miami-Dade County Miami-Dade Credit history 604
Miami-Dade County Miami-Dade Collateral 1356
Miami-Dade County Miami-Dade Insufficient cash (downpayment, closing costs) 240
Miami-Dade County Miami-Dade Unverifiable information 243
Miami-Dade County Miami-Dade Credit application incomplete 378
Miami-Dade County Miami-Dade Mortgage insurance denied 7
Miami-Dade County Miami-Dade Other 454
Miami-Dade County Miami-Dade Not avail. 2558
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016