The Heller School For Social Policty And Management The Heller School For Social Policy and Management Brandeis University
Home Purchase Loan Denial Rate by Race/Ethnicity
Year: 2010; Race/Ethnicity: Non-Hispanic White, Hispanic, Non-Hispanic Black and Non-Hispanic Asian/Pac. Islander; Region: Largest 4 MSAs

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Race/Ethnicity




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  • Non-Hispanic White
  • Hispanic
  • Non-Hispanic Black
  • Non-Hispanic Asian/Pac. Islander
         
 Scale Range: 0.0% - 25.2%         0.0%2.8%5.6%8.4%11.2%14.0%16.8%19.6%22.4%25.2%
                    
Chicago-Naperville-Joliet, IL-IN-WI Non-Hispanic White 2010 12.0% Barchart image
Hispanic 2010 21.9% Barchart image
Non-Hispanic Black 2010 25.2% Barchart image
Non-Hispanic Asian/Pac. Islander 2010 15.2% Barchart image
Los Angeles-Long Beach-Santa Ana, CA Non-Hispanic White 2010 12.6% Barchart image
Hispanic 2010 18.0% Barchart image
Non-Hispanic Black 2010 18.8% Barchart image
Non-Hispanic Asian/Pac. Islander 2010 11.8% Barchart image
New York-Newark-Edison, NY-NJ-PA Non-Hispanic White 2010 13.2% Barchart image
Hispanic 2010 22.4% Barchart image
Non-Hispanic Black 2010 24.3% Barchart image
Non-Hispanic Asian/Pac. Islander 2010 15.1% Barchart image
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Non-Hispanic White 2010 9.5% Barchart image
Hispanic 2010 14.7% Barchart image
Non-Hispanic Black 2010 18.9% Barchart image
Non-Hispanic Asian/Pac. Islander 2010 12.9% Barchart image
                    
          0.0%2.8%5.6%8.4%11.2%14.0%16.8%19.6%22.4%25.2%

Definition: Share of home purchase loans that were denied by lender.

Notes: Based on applications for first-lien loans for owner-occupied, 1-4 family homes or manufactured homes. Denials include a small number of pre-approval requests denied by financial institution. Race/ethnicity refers to the primary borrower.  Hispanics may be of any race. When borrower self identifies as more than one race, race category refers to first race specified. Excludes metros with less than 50 applications from specified race/ethnic group.

Source: Analysis of Home Mortgage Disclosure Act Data from the Federal Financial Institutions Examination Council.