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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Hillsborough County Hillsborough American Indian or Alaska Native 133 29 27
Hillsborough County Hillsborough Asian 1309 222 354
Hillsborough County Hillsborough Black or African American 3074 912 814
Hillsborough County Hillsborough Native Hawaiian or Other Pacific Islander 131 38 36
Hillsborough County Hillsborough White 21221 3690 4988
Hillsborough County Hillsborough Information not provided by applicant in mail, Internet, or telephone application 2696 856 898
Hillsborough County Hillsborough Not applicable 293 26 38
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Hillsborough County Hillsborough Hispanic or Latino 5697 1486 1504
Hillsborough County Hillsborough Not Hispanic or Latino 20415 3476 4747
Hillsborough County Hillsborough Information not provided by applicant in mail, Internet, or telephone application 2450 785 863
Hillsborough County Hillsborough Not applicable 295 26 41
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Hillsborough County Hillsborough Debt-to-income ratio 1282
Hillsborough County Hillsborough Employment history 135
Hillsborough County Hillsborough Credit history 642
Hillsborough County Hillsborough Collateral 703
Hillsborough County Hillsborough Insufficient cash (downpayment, closing costs) 218
Hillsborough County Hillsborough Unverifiable information 189
Hillsborough County Hillsborough Credit application incomplete 390
Hillsborough County Hillsborough Mortgage insurance denied 39
Hillsborough County Hillsborough Other 384
Hillsborough County Hillsborough Not avail. 1791
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016