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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Volusia County Volusia American Indian or Alaska Native 69 26 37
Volusia County Volusia Asian 283 60 85
Volusia County Volusia Black or African American 724 233 219
Volusia County Volusia Native Hawaiian or Other Pacific Islander 47 12 10
Volusia County Volusia White 14783 2796 3531
Volusia County Volusia Information not provided by applicant in mail, Internet, or telephone application 1534 490 415
Volusia County Volusia Not applicable 133 27 17
Volusia County Volusia Total 17573 3644 4314
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Volusia County Volusia Hispanic or Latino 1862 472 478
Volusia County Volusia Not Hispanic or Latino 14083 2682 3331
Volusia County Volusia Information not provided by applicant in mail, Internet, or telephone application 1484 463 482
Volusia County Volusia Not applicable 144 27 23
Volusia County Volusia Total 17573 3644 4314
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Volusia County Volusia Debt-to-income ratio 791
Volusia County Volusia Employment history 60
Volusia County Volusia Credit history 486
Volusia County Volusia Collateral 452
Volusia County Volusia Insufficient cash (downpayment, closing costs) 110
Volusia County Volusia Unverifiable information 108
Volusia County Volusia Credit application incomplete 284
Volusia County Volusia Mortgage insurance denied 3
Volusia County Volusia Other 186
Volusia County Volusia Not avail. 1164
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016