It’s easier for Americans to get financial backing for a house these days.

According to a study from Zillow.com, mortgage denial rates have dropped nationally — especially for black and Hispanic applicants.

As for the Atlanta area: The overall mortgage denial rate in 2014 was 10.2 percent, that is a 2.1 percent drop from the previous year.

“The household financial obligation ratio is much lower today than it was in 2007. In fact it’s actually lower than it was in the early 1980s and early 1990s. What that really means is that households are more easily able to service their debt,” said Dr. Jeff Humphreys, an economics professor from the University of Georgia.

For black applicants, the mortgage denial rate dropped from 25.3 percent in 2013 to 19.7 percent in 2014.

The applicant denial rates also fell for Hispanic borrowers, from 19.1 percent in 2013 to 13.5 percent in 2014, and Asian borrowers, from 13.4 percent to 10.1 percent.

Read more: Mortgage Denial Rates Drop In Atlanta

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