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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Putnam County Putnam American Indian or Alaska Native 13 4 4
Putnam County Putnam Asian 12 8 2
Putnam County Putnam Black or African American 36 52 40
Putnam County Putnam Native Hawaiian or Other Pacific Islander 2 - -
Putnam County Putnam White 733 308 337
Putnam County Putnam Information not provided by applicant in mail, Internet, or telephone application 45 56 86
Putnam County Putnam Not applicable - - -
Putnam County Putnam Total 841 428 469
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Putnam County Putnam Hispanic or Latino 27 28 26
Putnam County Putnam Not Hispanic or Latino 728 299 316
Putnam County Putnam Information not provided by applicant in mail, Internet, or telephone application 86 101 127
Putnam County Putnam Not applicable - - -
Putnam County Putnam Total 841 428 469
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Putnam County Putnam Debt-to-income ratio 51
Putnam County Putnam Employment history 7
Putnam County Putnam Credit history 67
Putnam County Putnam Collateral 49
Putnam County Putnam Insufficient cash (downpayment, closing costs) 1
Putnam County Putnam Unverifiable information 6
Putnam County Putnam Credit application incomplete 14
Putnam County Putnam Other 31
Putnam County Putnam Not avail. 202
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016