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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Clay County Clay American Indian or Alaska Native 51 18 11
Clay County Clay Asian 191 38 35
Clay County Clay Black or African American 808 227 234
Clay County Clay Native Hawaiian or Other Pacific Islander 53 4 18
Clay County Clay White 5112 976 1318
Clay County Clay Information not provided by applicant in mail, Internet, or telephone application 1010 201 404
Clay County Clay Not applicable 11 9 2
Clay County Clay Total 7236 1473 2022
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Clay County Clay Hispanic or Latino 625 133 196
Clay County Clay Not Hispanic or Latino 5599 1101 1375
Clay County Clay Information not provided by applicant in mail, Internet, or telephone application 1001 227 449
Clay County Clay Not applicable 11 12 2
Clay County Clay Total 7236 1473 2022
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Clay County Clay Debt-to-income ratio 258
Clay County Clay Employment history 40
Clay County Clay Credit history 216
Clay County Clay Collateral 161
Clay County Clay Insufficient cash (downpayment, closing costs) 40
Clay County Clay Unverifiable information 56
Clay County Clay Credit application incomplete 101
Clay County Clay Other 97
Clay County Clay Not avail. 504
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016