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Income, Credit Scores Lead to Most Mortgage Loan Denials

By S.E. Slack Homeownership is in reach for millions of Americans, says real estate firm Zillow, but only if you meet mortgage lending standards. Income and credit scores weigh most heavily in mortgage lending decisions. But while homeownership is a dream for many, the experience on the way to reaching that goal can vary, depending on the individual's background, economic situation and even race. Zillow recently studied trends in minority access to housing. Using information from the Home Mortgage Disclosure Act and an independent survey, the report states that there is not sufficient information in the HMDA data nor in the survey data to determine if any of the findings reflect illegal discrimination. But the report foun

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