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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
St. Lucie County St. Lucie American Indian or Alaska Native 40 3 9
St. Lucie County St. Lucie Asian 100 22 28
St. Lucie County St. Lucie Black or African American 1153 327 256
St. Lucie County St. Lucie Native Hawaiian or Other Pacific Islander 34 2 8
St. Lucie County St. Lucie White 6841 1119 1514
St. Lucie County St. Lucie Information not provided by applicant in mail, Internet, or telephone application 517 184 168
St. Lucie County St. Lucie Not applicable 44 5 1
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
St. Lucie County St. Lucie Hispanic or Latino 1411 286 307
St. Lucie County St. Lucie Not Hispanic or Latino 6794 1213 1519
St. Lucie County St. Lucie Information not provided by applicant in mail, Internet, or telephone application 476 158 156
St. Lucie County St. Lucie Not applicable 48 5 2
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
St. Lucie County St. Lucie Debt-to-income ratio 354
St. Lucie County St. Lucie Employment history 23
St. Lucie County St. Lucie Credit history 210
St. Lucie County St. Lucie Collateral 233
St. Lucie County St. Lucie Insufficient cash (downpayment, closing costs) 61
St. Lucie County St. Lucie Unverifiable information 65
St. Lucie County St. Lucie Credit application incomplete 116
St. Lucie County St. Lucie Mortgage insurance denied 2
St. Lucie County St. Lucie Other 109
St. Lucie County St. Lucie Not avail. 489
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016