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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Alachua County Alachua American Indian or Alaska Native 10 10 10
Alachua County Alachua Asian 294 42 61
Alachua County Alachua Black or African American 499 450 139
Alachua County Alachua Native Hawaiian or Other Pacific Islander 15 1 5
Alachua County Alachua White 4230 984 1161
Alachua County Alachua Information not provided by applicant in mail, Internet, or telephone application 479 175 156
Alachua County Alachua Not applicable 60 5 8
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness. Excludes loans that were purchased by a financial institution and pre-approval requests.
Sources:  Home Mortgage Disclosure Act data 2016
Home Purchase Loan Approval/Denial by Hispanic/Latino Ethnicity, 2016
Application Count
Place County Applicant Ethnicity Loan Originated Application DeniedOther
Alachua County Alachua Hispanic or Latino 396 102 130
Alachua County Alachua Not Hispanic or Latino 4615 1243 1157
Alachua County Alachua Information not provided by applicant in mail, Internet, or telephone application 516 317 245
Alachua County Alachua Not applicable 60 5 8
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness. Excludes loans that were purchased by a financial institution and pre-approval requests.
Sources:  Home Mortgage Disclosure Act data 2016
Home Purchase Loan Application Denial Reasons, 2016
Place County Denial ReasonApplications Count
Alachua County Alachua Debt-to-income ratio 356
Alachua County Alachua Employment history 51
Alachua County Alachua Credit history 334
Alachua County Alachua Collateral 118
Alachua County Alachua Insufficient cash (downpayment, closing costs) 71
Alachua County Alachua Unverifiable information 32
Alachua County Alachua Credit application incomplete 114
Alachua County Alachua Other 69
Alachua County Alachua Not avail. 522
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016