Explore the Data

Home Loan Application Outcomes by Race/Ethnicity

In 2021, home loan application outcomes varied by race and ethnicity in Lancaster County

Overall, 70.0% of home loan applications were approved in Lancaster County in 2021.

• 58.2% of home loans applied for by Black or African American applicants were approved and granted, 11.8 percentage points lower than the overall Lancaster County approval rate.
  • This group also had the highest percentage of applications withdrawn by applicants, and application denials across all groups.
• 62.5% of home loans applied for by Hispanic or Latino applicants were approved and granted, 7.5 percentage points lower than the overall Lancaster County approval rate.
• 64.8% of home loans applied for by Asian applicants were approved and granted, 5.2 percentage points lower than the overall Lancaster County approval rate.
• 66.7% of home loans applied for by Native Hawaiian or Pacific Islander applicants were approved and granted, 3.3 percentage points lower than the overall Lancaster County approval rate.
• Home loans applied for by American Indian or Alaska Native applicants, by White applicants, and by joint applicants of different races, were approved at the same level as Lancaster County overall at about 70%.

Notes

Federal Financial Institutions Examination Council, Consumer Financial Protection Bureau, Home Mortgage Disclosure Act Data.

Includes only applications that contained race or ethnicity information. Race and ethnicity designations with counts in the single digits are suppressed to protect privacy; this includes applicants identifying with two or more races.

Definitions

“Approved but not accepted” were loans applications that were approved by the lender but the applicant(s) did not accept the funds.

“Application withdrawn by applicant” were loan applications that were withdrawn by the applicant(s) prior to a decision being made by the lender.