Where you live in the United States could affect your ability to get a mortgage for that dream home, more than you might think.

The Case-Shiller housing index has put it top of the list for American cities that were the hardest to secure a mortgage for a property.

Sitting second on that list is Miami’s Florida neighbor, Tampa. There is a 12.6% fail rate on mortgage applications from people looking to gain finance to move there.

Next hardest on the list was the metropolitan area of New York, with a rejection rate of 12.3%. Following down the scale of fail, there is Las Vegas on 11.6% and Los Angeles on 10.2%

Close to twenty percent of mortgage applications in Miami were rejected in 2015 and then another nineteen percent were subsequently withdrawn or somehow discontinued, which meant from the beginning, a little over 60% of the original applications made it through to fruition.

So what is it about Miami that makes it such a difficult place to obtain a mortgage successfully?

It is most likely the influx of wealthy seniors looking to retire in the Magic City, as well a sizeable foreign population, which may be pricing out locals from buying their first home.

When the housing crisis came knocking in 2009, Miami was one of the cities hardest hit, affecting minority communities the worst.

This was because they were generally the ones on the bottom rung of the property ladder and already struggling to stay afloat.

Then there is the issue that loans are more likely to be denied for certain types of properties. For example, condominiums.

Frank Nothaft Chief Economist with CoreLogic thinks this may be the case in Tampa. There are several condominiums in the city by the waterfront, which could be the reason for the rate of mortgage declines.

He explains that when there are a large number of condos in an area it is more likely to cause a mortgage application to fail.

Coupled with a fast rise in prices in the Florida market and this is a double whammy for prospective buyers in Miami and Tampa.

So where is the best place in the States to apply for a mortgage, without being rejected?

Head to Minneapolis, as this comes out as the easiest place in America to get a mortgage, with only 5% of applicants being denied.