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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Jefferson County County Jefferson County American Indian or Alaska Native - 1 -
Jefferson County County Jefferson County Asian - 1 -
Jefferson County County Jefferson County Black or African American 7 11 11
Jefferson County County Jefferson County Native Hawaiian or Other Pacific Islander - 1 -
Jefferson County County Jefferson County White 72 27 30
Jefferson County County Jefferson County Information not provided by applicant in mail, Internet, or telephone application 7 3 7
Jefferson County County Jefferson County Not applicable 1 - -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Jefferson County County Jefferson County Hispanic or Latino - 1 1
Jefferson County County Jefferson County Not Hispanic or Latino 76 34 35
Jefferson County County Jefferson County Information not provided by applicant in mail, Internet, or telephone application 10 9 12
Jefferson County County Jefferson County Not applicable 1 - -
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Jefferson County County Jefferson County Debt-to-income ratio 6
Jefferson County County Jefferson County Credit history 7
Jefferson County County Jefferson County Collateral 6
Jefferson County County Jefferson County Insufficient cash (downpayment, closing costs) 2
Jefferson County County Jefferson County Unverifiable information 1
Jefferson County County Jefferson County Credit application incomplete 1
Jefferson County County Jefferson County Other 2
Jefferson County County Jefferson County Not avail. 19
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016