Proportion of applications approved

Race Total Approvals Total Completed Applications Percent Approval
Black or African American 10172 14313 71.06826
Asian 22182 26304 84.32938
White 44297 53472 82.84149

Primary reasons for application denial

Reason for denial N
Debt-to-income ratio 5996
Collateral 3017
Credit application incomplet 2513
Credit history 2331
Other 1990
Unverifiable information 900
Insufficient cash (downpaymnt closing costs) 454
Employment histor 229
Mortgage insurance denied 8

Distribution of approvals by race (total approved by race/total applications by ct)

Ratio of denial:approval by race

Mortgage data comes from HDMA