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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Osceola County Osceola American Indian or Alaska Native 47 26 9
Osceola County Osceola Asian 630 136 142
Osceola County Osceola Black or African American 1208 382 315
Osceola County Osceola Native Hawaiian or Other Pacific Islander 55 19 15
Osceola County Osceola White 10553 2550 2668
Osceola County Osceola Information not provided by applicant in mail, Internet, or telephone application 1278 434 429
Osceola County Osceola Not applicable 223 25 31
Osceola County Osceola Total 13994 3572 3609
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Osceola County Osceola Hispanic or Latino 6507 1729 1790
Osceola County Osceola Not Hispanic or Latino 6293 1499 1484
Osceola County Osceola Information not provided by applicant in mail, Internet, or telephone application 969 316 304
Osceola County Osceola Not applicable 225 28 31
Osceola County Osceola Total 13994 3572 3609
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Osceola County Osceola Debt-to-income ratio 871
Osceola County Osceola Employment history 56
Osceola County Osceola Credit history 315
Osceola County Osceola Collateral 392
Osceola County Osceola Insufficient cash (downpayment, closing costs) 119
Osceola County Osceola Unverifiable information 155
Osceola County Osceola Credit application incomplete 229
Osceola County Osceola Other 218
Osceola County Osceola Not avail. 1217
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016