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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Sarasota County County Sarasota County American Indian or Alaska Native 13 4 6
Sarasota County County Sarasota County Asian 87 17 22
Sarasota County County Sarasota County Black or African American 88 22 20
Sarasota County County Sarasota County Native Hawaiian or Other Pacific Islander 7 1 3
Sarasota County County Sarasota County White 5389 842 1160
Sarasota County County Sarasota County Information not provided by applicant in mail, Internet, or telephone application 490 113 132
Sarasota County County Sarasota County Not applicable 39 2 6
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Sarasota County County Sarasota County Hispanic or Latino 306 90 69
Sarasota County County Sarasota County Not Hispanic or Latino 5290 794 1137
Sarasota County County Sarasota County Information not provided by applicant in mail, Internet, or telephone application 477 115 137
Sarasota County County Sarasota County Not applicable 40 2 6
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Sarasota County County Sarasota County Debt-to-income ratio 222
Sarasota County County Sarasota County Employment history 27
Sarasota County County Sarasota County Credit history 105
Sarasota County County Sarasota County Collateral 130
Sarasota County County Sarasota County Insufficient cash (downpayment, closing costs) 38
Sarasota County County Sarasota County Unverifiable information 37
Sarasota County County Sarasota County Credit application incomplete 99
Sarasota County County Sarasota County Mortgage insurance denied 2
Sarasota County County Sarasota County Other 59
Sarasota County County Sarasota County Not avail. 282
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016