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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Bay County Bay American Indian or Alaska Native 43 23 10
Bay County Bay Asian 185 72 57
Bay County Bay Black or African American 306 111 110
Bay County Bay Native Hawaiian or Other Pacific Islander 35 7 10
Bay County Bay White 5762 1170 1534
Bay County Bay Information not provided by applicant in mail, Internet, or telephone application 459 155 206
Bay County Bay Not applicable 100 5 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Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Bay County Bay Hispanic or Latino 250 90 116
Bay County Bay Not Hispanic or Latino 6041 1207 1558
Bay County Bay Information not provided by applicant in mail, Internet, or telephone application 499 241 253
Bay County Bay Not applicable 100 5 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Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Bay County Bay Debt-to-income ratio 281
Bay County Bay Employment history 30
Bay County Bay Credit history 130
Bay County Bay Collateral 197
Bay County Bay Insufficient cash (downpayment, closing costs) 37
Bay County Bay Unverifiable information 26
Bay County Bay Credit application incomplete 59
Bay County Bay Other 67
Bay County Bay Not avail. 716
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016