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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Orange County Orange American Indian or Alaska Native 178 62 82
Orange County Orange Asian 3285 760 986
Orange County Orange Black or African American 5076 1518 1465
Orange County Orange Native Hawaiian or Other Pacific Islander 182 60 58
Orange County Orange White 36652 6381 8249
Orange County Orange Information not provided by applicant in mail, Internet, or telephone application 4857 1527 1484
Orange County Orange Not applicable 321 60 56
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Orange County Orange Hispanic or Latino 12079 3051 2873
Orange County Orange Not Hispanic or Latino 33885 5996 8166
Orange County Orange Information not provided by applicant in mail, Internet, or telephone application 4245 1256 1284
Orange County Orange Not applicable 342 65 57
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Orange County Orange Debt-to-income ratio 2563
Orange County Orange Employment history 201
Orange County Orange Credit history 1121
Orange County Orange Collateral 1077
Orange County Orange Insufficient cash (downpayment, closing costs) 389
Orange County Orange Unverifiable information 441
Orange County Orange Credit application incomplete 1034
Orange County Orange Mortgage insurance denied 3
Orange County Orange Other 652
Orange County Orange Not avail. 2887
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016