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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Gulf County County Gulf County American Indian or Alaska Native 2 1 2
Gulf County County Gulf County Asian 3 - -
Gulf County County Gulf County Black or African American 4 2 -
Gulf County County Gulf County White 222 58 83
Gulf County County Gulf County Information not provided by applicant in mail, Internet, or telephone application 35 13 12
Gulf County County Gulf County Not applicable 10 - -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Gulf County County Gulf County Hispanic or Latino 8 2 -
Gulf County County Gulf County Not Hispanic or Latino 218 55 75
Gulf County County Gulf County Information not provided by applicant in mail, Internet, or telephone application 40 17 22
Gulf County County Gulf County Not applicable 10 - -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Gulf County County Gulf County Debt-to-income ratio 9
Gulf County County Gulf County Credit history 8
Gulf County County Gulf County Collateral 8
Gulf County County Gulf County Unverifiable information 1
Gulf County County Gulf County Credit application incomplete 1
Gulf County County Gulf County Other 3
Gulf County County Gulf County Not avail. 44
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016