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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Jefferson County Jefferson American Indian or Alaska Native - 5 -
Jefferson County Jefferson Asian - 3 -
Jefferson County Jefferson Black or African American 24 36 34
Jefferson County Jefferson Native Hawaiian or Other Pacific Islander - 2 -
Jefferson County Jefferson White 216 105 102
Jefferson County Jefferson Information not provided by applicant in mail, Internet, or telephone application 27 9 29
Jefferson County Jefferson Not applicable 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Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Jefferson County Jefferson Hispanic or Latino - 5 3
Jefferson County Jefferson Not Hispanic or Latino 233 120 114
Jefferson County Jefferson Information not provided by applicant in mail, Internet, or telephone application 34 35 48
Jefferson County Jefferson Not applicable 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Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Jefferson County Jefferson Debt-to-income ratio 25
Jefferson County Jefferson Credit history 21
Jefferson County Jefferson Collateral 17
Jefferson County Jefferson Insufficient cash (downpayment, closing costs) 4
Jefferson County Jefferson Unverifiable information 3
Jefferson County Jefferson Credit application incomplete 3
Jefferson County Jefferson Other 7
Jefferson County Jefferson Not avail. 80
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016