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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Palm Beach County Palm Beach American Indian or Alaska Native 86 20 20
Palm Beach County Palm Beach Asian 845 190 223
Palm Beach County Palm Beach Black or African American 3308 961 895
Palm Beach County Palm Beach Native Hawaiian or Other Pacific Islander 83 19 21
Palm Beach County Palm Beach White 24766 4242 5647
Palm Beach County Palm Beach Information not provided by applicant in mail, Internet, or telephone application 2134 752 718
Palm Beach County Palm Beach Not applicable 368 33 50
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Palm Beach County Palm Beach Hispanic or Latino 5958 1350 1376
Palm Beach County Palm Beach Not Hispanic or Latino 23238 4175 5486
Palm Beach County Palm Beach Information not provided by applicant in mail, Internet, or telephone application 2022 659 658
Palm Beach County Palm Beach Not applicable 372 33 54
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Palm Beach County Palm Beach Debt-to-income ratio 1253
Palm Beach County Palm Beach Employment history 82
Palm Beach County Palm Beach Credit history 600
Palm Beach County Palm Beach Collateral 1142
Palm Beach County Palm Beach Insufficient cash (downpayment, closing costs) 196
Palm Beach County Palm Beach Unverifiable information 243
Palm Beach County Palm Beach Credit application incomplete 522
Palm Beach County Palm Beach Mortgage insurance denied 1
Palm Beach County Palm Beach Other 351
Palm Beach County Palm Beach Not avail. 1827
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016