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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Columbia County Columbia American Indian or Alaska Native 10 8 2
Columbia County Columbia Asian 12 1 4
Columbia County Columbia Black or African American 73 154 37
Columbia County Columbia Native Hawaiian or Other Pacific Islander 1 - -
Columbia County Columbia White 867 518 298
Columbia County Columbia Information not provided by applicant in mail, Internet, or telephone application 99 78 55
Columbia County Columbia Not applicable 8 4 -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Columbia County Columbia Hispanic or Latino 49 46 17
Columbia County Columbia Not Hispanic or Latino 883 540 280
Columbia County Columbia Information not provided by applicant in mail, Internet, or telephone application 130 173 99
Columbia County Columbia Not applicable 8 4 -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Columbia County Columbia Debt-to-income ratio 153
Columbia County Columbia Employment history 16
Columbia County Columbia Credit history 146
Columbia County Columbia Collateral 35
Columbia County Columbia Insufficient cash (downpayment, closing costs) 28
Columbia County Columbia Unverifiable information 11
Columbia County Columbia Credit application incomplete 19
Columbia County Columbia Other 32
Columbia County Columbia Not avail. 323
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016