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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Charlotte County County Charlotte County American Indian or Alaska Native 4 2 1
Charlotte County County Charlotte County Asian 17 5 5
Charlotte County County Charlotte County Black or African American 50 16 6
Charlotte County County Charlotte County Native Hawaiian or Other Pacific Islander 2 - 1
Charlotte County County Charlotte County White 2321 400 477
Charlotte County County Charlotte County Information not provided by applicant in mail, Internet, or telephone application 200 53 70
Charlotte County County Charlotte County Not applicable 13 3 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Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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 Approval/Denial by Hispanic/Latino Ethnicity, 2016
Application Count
Place County Applicant Ethnicity Loan Originated Application DeniedOther
Charlotte County County Charlotte County Hispanic or Latino 93 20 30
Charlotte County County Charlotte County Not Hispanic or Latino 2297 391 459
Charlotte County County Charlotte County Information not provided by applicant in mail, Internet, or telephone application 204 65 71
Charlotte County County Charlotte County Not applicable 13 3 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Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Charlotte County County Charlotte County Debt-to-income ratio 101
Charlotte County County Charlotte County Employment history 10
Charlotte County County Charlotte County Credit history 36
Charlotte County County Charlotte County Collateral 71
Charlotte County County Charlotte County Insufficient cash (downpayment, closing costs) 19
Charlotte County County Charlotte County Unverifiable information 22
Charlotte County County Charlotte County Credit application incomplete 36
Charlotte County County Charlotte County Mortgage insurance denied 4
Charlotte County County Charlotte County Other 36
Charlotte County County Charlotte County Not avail. 144
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016