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Home Purchase Loan Approval/Denial by Race, 2016
Application Count
Place County Applicant Race Loan Originated Application DeniedOther
Santa Rosa County Santa Rosa American Indian or Alaska Native 72 42 19
Santa Rosa County Santa Rosa Asian 174 29 27
Santa Rosa County Santa Rosa Black or African American 450 79 104
Santa Rosa County Santa Rosa Native Hawaiian or Other Pacific Islander 32 4 10
Santa Rosa County Santa Rosa White 9082 1296 1756
Santa Rosa County Santa Rosa Information not provided by applicant in mail, Internet, or telephone application 696 204 230
Santa Rosa County Santa Rosa Not applicable 82 2 7
Santa Rosa County Santa Rosa Total 10588 1656 2153
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Santa Rosa County Santa Rosa Hispanic or Latino 395 72 54
Santa Rosa County Santa Rosa Not Hispanic or Latino 9333 1317 1785
Santa Rosa County Santa Rosa Information not provided by applicant in mail, Internet, or telephone application 778 262 307
Santa Rosa County Santa Rosa Not applicable 82 5 7
Santa Rosa County Santa Rosa Total 10588 1656 2153
Notes:  "Other" includes applications that were approved but not accepted, applications withdrawn by the applicant, and files closed for incompleteness.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
Santa Rosa County Santa Rosa Debt-to-income ratio 254
Santa Rosa County Santa Rosa Employment history 23
Santa Rosa County Santa Rosa Credit history 190
Santa Rosa County Santa Rosa Collateral 164
Santa Rosa County Santa Rosa Insufficient cash (downpayment, closing costs) 51
Santa Rosa County Santa Rosa Unverifiable information 29
Santa Rosa County Santa Rosa Credit application incomplete 111
Santa Rosa County Santa Rosa Mortgage insurance denied 7
Santa Rosa County Santa Rosa Other 60
Santa Rosa County Santa Rosa Not avail. 767
Notes:  Shows loan applications resulting in denials only.
Sources:  Home Mortgage Disclosure Act data 2016