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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Flagler County Flagler American Indian or Alaska Native 13 10 9
Flagler County Flagler Asian 47 14 4
Flagler County Flagler Black or African American 138 36 24
Flagler County Flagler Native Hawaiian or Other Pacific Islander 10 2 5
Flagler County Flagler White 2855 452 701
Flagler County Flagler Information not provided by applicant in mail, Internet, or telephone application 330 76 124
Flagler County Flagler Not applicable 16 2 6
Flagler County Flagler Total 3409 592 873
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Flagler County Flagler Hispanic or Latino 237 48 48
Flagler County Flagler Not Hispanic or Latino 2800 450 669
Flagler County Flagler Information not provided by applicant in mail, Internet, or telephone application 344 92 149
Flagler County Flagler Not applicable 28 2 7
Flagler County Flagler Total 3409 592 873
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Flagler County Flagler Debt-to-income ratio 119
Flagler County Flagler Employment history 20
Flagler County Flagler Credit history 60
Flagler County Flagler Collateral 63
Flagler County Flagler Insufficient cash (downpayment, closing costs) 12
Flagler County Flagler Unverifiable information 13
Flagler County Flagler Credit application incomplete 59
Flagler County Flagler Mortgage insurance denied 1
Flagler County Flagler Other 22
Flagler County Flagler Not avail. 223
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016