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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Gadsden County Gadsden American Indian or Alaska Native 4 4 -
Gadsden County Gadsden Asian - - 4
Gadsden County Gadsden Black or African American 169 200 129
Gadsden County Gadsden White 284 111 103
Gadsden County Gadsden Information not provided by applicant in mail, Internet, or telephone application 49 60 50
Gadsden County Gadsden Not applicable 7 - 2
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Gadsden County Gadsden Hispanic or Latino 35 16 21
Gadsden County Gadsden Not Hispanic or Latino 420 249 194
Gadsden County Gadsden Information not provided by applicant in mail, Internet, or telephone application 51 110 71
Gadsden County Gadsden Not applicable 7 - 2
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Gadsden County Gadsden Debt-to-income ratio 28
Gadsden County Gadsden Employment history 11
Gadsden County Gadsden Credit history 27
Gadsden County Gadsden Collateral 12
Gadsden County Gadsden Insufficient cash (downpayment, closing costs) 8
Gadsden County Gadsden Unverifiable information 2
Gadsden County Gadsden Other 14
Gadsden County Gadsden Not avail. 273
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016