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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Escambia County Escambia American Indian or Alaska Native 70 17 7
Escambia County Escambia Asian 190 28 47
Escambia County Escambia Black or African American 558 155 141
Escambia County Escambia Native Hawaiian or Other Pacific Islander 34 1 7
Escambia County Escambia White 5007 708 1086
Escambia County Escambia Information not provided by applicant in mail, Internet, or telephone application 510 93 137
Escambia County Escambia Not applicable 81 8 6
Escambia County Escambia Total 6450 1010 1431
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Escambia County Escambia Hispanic or Latino 239 49 49
Escambia County Escambia Not Hispanic or Latino 5602 806 1205
Escambia County Escambia Information not provided by applicant in mail, Internet, or telephone application 526 147 171
Escambia County Escambia Not applicable 83 8 6
Escambia County Escambia Total 6450 1010 1431
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Escambia County Escambia Debt-to-income ratio 177
Escambia County Escambia Employment history 27
Escambia County Escambia Credit history 134
Escambia County Escambia Collateral 87
Escambia County Escambia Insufficient cash (downpayment, closing costs) 32
Escambia County Escambia Unverifiable information 16
Escambia County Escambia Credit application incomplete 57
Escambia County Escambia Mortgage insurance denied 3
Escambia County Escambia Other 61
Escambia County Escambia Not avail. 416
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016