Applying for a mortgage? Here’s the current denial rate.

It is a bit easier to qualify for a mortgage now, but banks are still turning lots of borrowers down.

Real estate firm Zillow Inc. (NASDAQ: ZG) looked at mortgage lending data for conventional loans in 2013 and 2014 under the Home Mortgage Disclosure Act, and found that, in Baltimore, the application denial rate was 7.7 percent last year, down from 8.3 percent in 2013.

Baltimore has one of the lowest denial rates in the country. The U.S. average last year was 11.2 percent.

The mortgage application denial rate in Miami last year was 19.5 percent. That's the highest denial rate among the largest cities. When breaking down denial rates by race, 14 percent of black applicants in Baltimore failed to qualify for a mortgage, compared with 5.8 percent for white borrowers.

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