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T1 <br />I <br />� O <br />0 � <br />�i <br />r� <br />Q ' <br />ti <br />ti <br />AGGREGATE TABLE 8 -1: REASONS FOR DENIAL OE APPLICATIONS FOR FHA, FSAlRHS, AND VA HOME - PURCHASE LOANS. 1-704-FAMILY AND MANUFACTURED HOME DWELLINGS, BY Pagel of 1 <br />RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2013 <br />MS"O 16740 - CHARLOTTE- GA$TONIA -ROCK HILL, NC-SC <br />MINORITY STATUS 81 <br />WHITE NON- HISPANIC <br />OTHERS, INCL. HISPANIC <br />Debt -[o- Income <br />Employment <br />5 <br />3 <br />206 <br />216 <br />26 <br />27 <br />Insulficieel <br />Unverifiable <br />Credit App. <br />Mnrigage <br />5 <br />6 <br />90 <br />80 <br />APPLICANT GHARACTERISTICS <br />RaOO <br />History <br />Credit History <br />Cullaterai <br />Cash <br />In[—t— <br />Incomplete <br />Insurance <br />Oa ietl <br />Total r22 <br />Number <br />% Number <br />% Number <br />% <br />Number % <br />Number <br />% Number <br />% <br />Number % <br />Number % <br />Number <br />% Number % <br />RACE 51 <br />73 <br />11 47 <br />7 <br />46 <br />7 <br />65 <br />9 <br />79 <br />11 <br />688 100 <br />FEMALE <br />139 <br />AMERICAN INDIAWALASKA NATIVE <br />3 <br />27 1 <br />9 5 <br />45 <br />1 <br />9 <br />27 <br />4 <br />1 <br />9 <br />66 <br />11 100 <br />ASIAN <br />15 <br />27 3 <br />5 4 <br />? <br />5 <br />9 7 <br />13 9 <br />16 <br />4 <br />7 <br />9 <br />16 56 100 <br />BLACK OR AFRICAN AMERICAN <br />151 <br />27 16 <br />3 166 <br />30 <br />43 <br />8 44 <br />8 25 <br />4 <br />53 <br />9 <br />62 <br />11 560 10D <br />NATIVE HAwAuAW07HER PACIFIC PSLND <br />2 <br />67 <br />1 <br />33 <br />10 <br />102 100 <br />INCOME W <br />3 100 <br />WHITE <br />199 <br />21 41 <br />4 240 <br />26 <br />115 <br />12 67 <br />7 50 <br />5 <br />108 <br />12 <br />108 <br />12 928 10D <br />2 OR MORE MINORITY RACES <br />1 <br />33 1 <br />33 <br />9 39 <br />8 <br />30 <br />1 <br />33 <br />10 <br />43 <br />9 <br />3 100 <br />JOINT(WHITEIMINORITY RACE) <br />2 <br />15 <br />4 <br />31 <br />27 <br />65 <br />1 <br />8 <br />3 <br />23 <br />3 <br />23 13 100 <br />RACENOTAVAILABLE 61 <br />45 <br />19 9 <br />4 97 <br />42 <br />14 <br />6 10 <br />4 12 <br />5 <br />28 <br />12 <br />18 <br />B 233 100 <br />ETHNICITY V <br />26 <br />11 <br />30 <br />13 <br />233 100 <br />100 -119% OF M5AIMD MEDIAN <br />29 <br />20 4 <br />3 <br />54 <br />37 <br />12 <br />HISPANIC OR LATINO <br />39 <br />26 3 <br />2 34 <br />23 <br />t6 <br />12 16 <br />7 11 <br />7 <br />21 <br />14 <br />15 <br />10 151 100 <br />NOT HISPANIC OR LATINO <br />341 <br />24 58 <br />4 385 <br />27 <br />145 <br />10 105 <br />7 78 <br />5 <br />152 <br />11 <br />168 <br />12 1432 100 <br />JOINT (HISPANIC OR LATINOI NOT HISPANIC <br />2 <br />13 3 <br />19 5 <br />31 <br />5 <br />3 <br />19 1 <br />6 <br />1 <br />6 <br />1 <br />6 18 100 <br />OR LATINO) <br />94 100 <br />ETHNICITY NOT AVAILABLE 61 <br />36 <br />17 7 <br />3 93 <br />45 <br />15 <br />7 10 <br />5 9 <br />4 <br />23 <br />11 <br />16 <br />8 2179 100 <br />MINORITY STATUS 81 <br />WHITE NON- HISPANIC <br />OTHERS, INCL. HISPANIC <br />167 <br />213 <br />21 38 <br />27 26 <br />5 <br />3 <br />206 <br />216 <br />26 <br />27 <br />97 <br />66 <br />12 56 <br />8 62 <br />7 <br />8 <br />39 <br />48 <br />5 <br />6 <br />90 <br />80 <br />11 <br />10 <br />96 <br />67 <br />12 <br />11 <br />789 100 <br />796 100 <br />GENDER 191 <br />MALE <br />160 <br />23 29 <br />4 <br />169 <br />27 <br />73 <br />11 47 <br />7 <br />46 <br />7 <br />65 <br />9 <br />79 <br />11 <br />688 100 <br />FEMALE <br />139 <br />23 20 <br />3 <br />174 <br />28 <br />67 <br />11 56 <br />9 <br />27 <br />4 <br />68 <br />11 <br />66 <br />11 <br />517 100 <br />JOINT(MALEIFEMALE) <br />96 <br />24 20 <br />5 <br />120 <br />30 <br />31 <br />8 20 <br />5 <br />23 <br />6 <br />45 <br />11 <br />45 <br />11 <br />400 100 <br />GENDER NOTAVA €LA9LF el <br />23 <br />23 2 <br />2 <br />34 <br />33 <br />7 <br />7 5 <br />5 <br />2 <br />2 <br />19 <br />19 <br />10 <br />10 <br />102 100 <br />INCOME W <br />LESSTHAN50 %OF MSA/MDMEDIAN <br />155 <br />31 26 <br />5 <br />109 <br />22 <br />44 <br />9 39 <br />8 <br />30 <br />6 <br />48 <br />10 <br />43 <br />9 <br />493 100 <br />50-79% OF MSAIMD MEDIAN <br />133 <br />25 22 <br />4 <br />145 <br />27 <br />65 <br />10 45 <br />8 <br />27 <br />6 <br />45 <br />8 <br />62 <br />12 <br />534 100 <br />80=99% OF MSAIMD MEDIAN <br />50 <br />21 7 <br />3 <br />73 <br />31 <br />23 <br />10 Is <br />7 <br />8 <br />3 <br />26 <br />11 <br />30 <br />13 <br />233 100 <br />100 -119% OF M5AIMD MEDIAN <br />29 <br />20 4 <br />3 <br />54 <br />37 <br />12 <br />8 11 <br />8 <br />10 <br />7 <br />9 <br />6 <br />17 <br />12 <br />146 100 <br />120% OR MORE OF MSMMO MEDIAN <br />40 <br />13 11 <br />4 <br />101 <br />33 <br />39 <br />13 12 <br />4 <br />19 <br />6 <br />42 <br />14 <br />43 <br />14 <br />307 100 <br />INCOME NOT AVAILABLE 61 <br />11 <br />12 2 <br />2 <br />35 <br />37 <br />5 <br />5 5 <br />5 <br />4 <br />4 <br />27 <br />29 <br />5 <br />5 <br />94 100 <br />Report ]ate: 06102!2014 <br />UQ <br />17D <br />1— <br />N <br />1, <br />N <br />3 <br />(D <br />7 <br />s= <br />3 <br />s <br />(D <br />I <br />V <br />C <br />I ^^ <br />i••f•+ <br />I <br />� M <br />r <br />I <br />I••y <br />