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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Monroe County Monroe American Indian or Alaska Native 1 - 1
Monroe County Monroe Asian 21 7 4
Monroe County Monroe Black or African American 14 5 4
Monroe County Monroe Native Hawaiian or Other Pacific Islander 11 - 3
Monroe County Monroe White 1749 439 429
Monroe County Monroe Information not provided by applicant in mail, Internet, or telephone application 115 39 47
Monroe County Monroe Not applicable 32 6 11
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Monroe County Monroe Hispanic or Latino 327 103 123
Monroe County Monroe Not Hispanic or Latino 1482 355 324
Monroe County Monroe Information not provided by applicant in mail, Internet, or telephone application 102 32 41
Monroe County Monroe Not applicable 32 6 11
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Monroe County Monroe Debt-to-income ratio 121
Monroe County Monroe Employment history 6
Monroe County Monroe Credit history 40
Monroe County Monroe Collateral 83
Monroe County Monroe Insufficient cash (downpayment, closing costs) 16
Monroe County Monroe Unverifiable information 9
Monroe County Monroe Credit application incomplete 41
Monroe County Monroe Other 27
Monroe County Monroe Not avail. 153
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016