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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Polk County Polk American Indian or Alaska Native 79 37 31
Polk County Polk Asian 537 139 131
Polk County Polk Black or African American 1880 754 482
Polk County Polk Native Hawaiian or Other Pacific Islander 66 12 20
Polk County Polk White 17966 3919 4212
Polk County Polk Information not provided by applicant in mail, Internet, or telephone application 1996 787 766
Polk County Polk Not applicable 233 28 26
Polk County Polk Total 22757 5676 5668
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Polk County Polk Hispanic or Latino 5163 1557 1380
Polk County Polk Not Hispanic or Latino 15623 3348 3506
Polk County Polk Information not provided by applicant in mail, Internet, or telephone application 1732 738 756
Polk County Polk Not applicable 239 33 26
Polk County Polk Total 22757 5676 5668
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Polk County Polk Debt-to-income ratio 1032
Polk County Polk Employment history 104
Polk County Polk Credit history 568
Polk County Polk Collateral 486
Polk County Polk Insufficient cash (downpayment, closing costs) 174
Polk County Polk Unverifiable information 163
Polk County Polk Credit application incomplete 286
Polk County Polk Mortgage insurance denied 8
Polk County Polk Other 258
Polk County Polk Not avail. 2597
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016