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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Union County Union American Indian or Alaska Native - 4 -
Union County Union Black or African American 5 17 8
Union County Union White 132 86 55
Union County Union Information not provided by applicant in mail, Internet, or telephone application 4 9 9
Union County Union Not applicable - - -
Union County Union Total 141 116 72
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Union County Union Hispanic or Latino 8 - -
Union County Union Not Hispanic or Latino 110 93 48
Union County Union Information not provided by applicant in mail, Internet, or telephone application 23 23 24
Union County Union Not applicable - - -
Union County Union Total 141 116 72
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Union County Union Debt-to-income ratio 29
Union County Union Employment history 2
Union County Union Credit history 30
Union County Union Collateral 6
Union County Union Insufficient cash (downpayment, closing costs) 8
Union County Union Credit application incomplete 2
Union County Union Mortgage insurance denied 2
Union County Union Not avail. 37
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016