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Statistical Supplement | September 2004

Statistical Supplement to the Federal Reserve Bulletin, September 2004
4.38  Applications for Loans for One- to Four-Family Homes Reported under HMDA, 2003 By Purpose of Loan with Denial Rate, and by Characteristic of Applicant
Applicant characteristic1 Home purchase Home refinancing Home improvement
Government-backed2 Conventional
Distribution Denial rate Distribution Denial rate Distribution Denial rate Distribution Denial rate
  American Indian or Alaskan Native  
1 One male 38.7 14.7 36.5 23.7 29.7 23.4 36.7 50.5
2 Two males 1.5 11.0 2.2 12.4 1.7 17.5 1.3 46.2
3 One female 31.2 15.1 33.2 26.4 30.7 24.0 32.5 52.3
4 Two females 1.4 10.3 2.5 32.8 4.5 26.3 2.9 32.5
5 One male and one female 27.1 14.8 25.5 20.7 33.5 18.2 26.6 42.9
 
6 Total3 100.0 15.0 100.0 24.0 100.0 22.0 100.0 49.1
 
  Asian or Pacific Islander  
7 One male 30.4 9.5 31.9 12.6 22.2 14.8 29.9 43.4
8 Two males 3.2 8.9 1.6 15.0 1.2 14.8 1.5 45.0
9 One female 20.2 10.1 23.7 12.8 18.0 14.9 22.6 43.8
10 Two females 2.5 16.8 1.4 13.4 1.1 13.8 1.2 37.2
11 One male and one female 43.6 9.4 41.5 9.4 57.5 10.1 44.6 29.0
 
12 Total3 100.0 9.8 100.0 11.4 100.0 12.2 100.0 37.6
 
  Black  
13 One male 31.0 14.2 35.1 25.2 28.6 29.2 31.7 55.6
14 Two males .8 14.5 .6 27.5 .6 31.1 .6 57.5
15 One female 41.7 14.6 40.3 24.9 36.3 28.4 40.5 56.6
16 Two females 1.9 13.5 1.5 30.3 1.4 29.2 1.2 56.2
17 One male and one female 24.7 12.6 22.5 20.9 33.1 25.4 26.0 49.7
 
18 Total3 100.0 13.9 100.0 24.3 100.0 27.8 100.0 54.8
 
  Hispanic  
19 One male 34.0 12.7 39.7 19.8 29.4 23.5 38.0 53.8
20 Two males 6.0 11.4 2.1 23.4 1.8 22.7 1.3 51.2
21 One female 16.8 13.0 23.6 18.7 19.3 22.3 26.4 56.0
22 Two females 2.2 12.1 1.3 21.1 1.3 23.8 1.0 52.7
23 One male and one female 41.0 11.7 33.3 16.1 48.2 19.5 33.3 41.7
 
24 Total3 100.0 12.3 100.0 18.4 100.0 21.4 100.0 50.5
 
  White  
25 One male 32.4 9.1 29.3 14.2 22.6 16.7 26.1 34.8
26 Two males 1.6 7.7 1.3 12.3 .9 15.5 .9 34.3
27 One female 20.9 8.6 20.5 13.6 17.2 15.0 20.7 34.8
28 Two females 1.3 7.6 1.0 14.5 .8 15.5 .9 34.3
29 One male and one female 43.7 7.1 48.0 9.1 58.5 10.8 51.3 23.0
 
30 Total3 100.0 8.1 100.0 11.6 100.0 13.0 100.0 29.1
 
  All  
31 One male 32.5 10.5 31.1 16.0 23.6 18.5 28.4 40.8
32 Two males 2.3 9.7 1.3 15.1 1.0 17.4 .9 39.3
33 One female 23.1 10.7 22.7 15.8 18.8 17.5 23.8 42.2
34 Two females 1.6 9.9 1.1 17.2 .9 18.0 1.0 39.8
35 One male and one female 40.6 8.5 43.8 10.2 55.6 12.1 45.9 26.5
 
36 Total3 100.0 9.7 100.0 13.5 100.0 14.8 100.0 35.0

1. Applicants are categorized by race of first applicant listed on Loan Application Register, except for joint white and minority applications, which are not shown in this table.   Return to table

2. Loans backed by the Federal Housing Administration, the Department of Veterans Affairs, or the Farmers Home Administration.   Return to table

3. Includes all applicants from racial or ethnic group regardless of whether gender was reported.   Return to table

Source. FFIEC, Home Mortgage Disclosure Act.

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Last update: May 11, 2005