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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Sarasota County Sarasota American Indian or Alaska Native 28 8 15
Sarasota County Sarasota Asian 184 33 46
Sarasota County Sarasota Black or African American 150 45 36
Sarasota County Sarasota Native Hawaiian or Other Pacific Islander 14 2 7
Sarasota County Sarasota White 11794 1899 2553
Sarasota County Sarasota Information not provided by applicant in mail, Internet, or telephone application 1035 222 293
Sarasota County Sarasota Not applicable 86 6 14
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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 Sarasota Hispanic or Latino 662 185 166
Sarasota County Sarasota Not Hispanic or Latino 11514 1790 2479
Sarasota County Sarasota Information not provided by applicant in mail, Internet, or telephone application 1028 234 305
Sarasota County Sarasota Not applicable 87 6 14
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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 Sarasota Debt-to-income ratio 489
Sarasota County Sarasota Employment history 60
Sarasota County Sarasota Credit history 224
Sarasota County Sarasota Collateral 304
Sarasota County Sarasota Insufficient cash (downpayment, closing costs) 79
Sarasota County Sarasota Unverifiable information 72
Sarasota County Sarasota Credit application incomplete 215
Sarasota County Sarasota Mortgage insurance denied 3
Sarasota County Sarasota Other 139
Sarasota County Sarasota Not avail. 630
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016