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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Okaloosa County Okaloosa American Indian or Alaska Native 25 12 7
Okaloosa County Okaloosa Asian 180 44 41
Okaloosa County Okaloosa Black or African American 408 91 110
Okaloosa County Okaloosa Native Hawaiian or Other Pacific Islander 25 8 7
Okaloosa County Okaloosa White 5527 796 1053
Okaloosa County Okaloosa Information not provided by applicant in mail, Internet, or telephone application 514 132 181
Okaloosa County Okaloosa Not applicable 101 4 8
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Okaloosa County Okaloosa Hispanic or Latino 419 75 74
Okaloosa County Okaloosa Not Hispanic or Latino 5748 834 1115
Okaloosa County Okaloosa Information not provided by applicant in mail, Internet, or telephone application 509 174 207
Okaloosa County Okaloosa Not applicable 104 4 11
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Okaloosa County Okaloosa Debt-to-income ratio 167
Okaloosa County Okaloosa Employment history 40
Okaloosa County Okaloosa Credit history 107
Okaloosa County Okaloosa Collateral 127
Okaloosa County Okaloosa Insufficient cash (downpayment, closing costs) 37
Okaloosa County Okaloosa Unverifiable information 22
Okaloosa County Okaloosa Credit application incomplete 64
Okaloosa County Okaloosa Mortgage insurance denied 4
Okaloosa County Okaloosa Other 61
Okaloosa County Okaloosa Not avail. 458
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016