ŠĻą”±į>ž’   ž’’’qīe’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’’ģ„ĮM ųæžbjbjā=ā= ė½€W€WQų§’’’’’’l&&&&&&&&Ś(Ś(Ś(4):Ž:Ž:Žh¢ŽDꎓ )JQģ¦č¦č(ĪčĪčtéÆö6åłłśŒÉPĖPĖPĖPĖPĖPĖP$6R VTdļPŚ(…ūCõlÆö…ū…ūļP‹ü&&&&ĪčtéĻ Q‹ü‹ü‹ü…ū&&ņĪ覌(téÉP‹ü…ūÉP‹ü ‹ü„²(ĀŚ(téšč  KD„ÄØÅ),µ:Ž‹ü±n<2Q0JQnŗT‹üŗT‹ü))&&&&&&&&ŁImpedimentRecommendationCurrent City Action City’s inability to use HOME funds for the development of affordable housing because HUD has frozen the funds until program revisions are approved.  Restore the City’s HOME funding as soon as possible. Housing and Community Development Department (HCDD) is working to correct findings. HUD conditionally restores some of the funds for commitment by 9/30/05. Lack of income. Wages have not kept up with the cost of housing. The City should promote and assist small business development throughout the city particularly in low-income neighborhoods in support of job creation. In the 2005 Consolidated Plan, HCDD funds the Small Business Revolving Loan Fund to encourage revitalization and expansion of commercial industrial enterprises, a Small Business Investment Program and a Job Training and Building Trades Program for first-time entrepreneurs. Lack of affordable housing for moderate, low and very low- income families City-funded projects should be required to have a number of affordable units. This should include projects using TIRZ and bond funds. HCDD assists income-eligible homebuyers to purchase existing homes and newly constructed homes, provides operating expenses for CHDOs engaged in development of affordable housing and provide funds for the acquisition and rehabilitation of affordable multifamily units.  Lack of education impacts employment opportunities that can limit housing choice. The City should continue to promote job-training programs. HCDD funds programs for at-risk low and moderate-income youth. Skills training and employment development are included activities. Lack of accessible housing to meet the needs of the disabled community. Collaborate with the disabled community and housing providers to promote reasonable accommodations and modifications in housing designed for the disabled. HCDD finances the development of transitional and/or single room occupancy projects to serve the homeless, mentally ill, disabled or developmentally disabled. Also the city has developed a Voluntary Visibility Program to reimburse developers for installing certain visibility improvements for the disabled.ImpedimentRecommendationCurrent City Action Discrimination against families and children. Increase efforts to educate consumers and providers on the rights and responsibilities in the Fair Housing Act. The City’s Fair Housing Office provides education and counseling to both landlord and tenant and works closely with the Greater Houston Fair Housing Center (GHFHC). GHFHC provides fair housing enforcement, education and outreach services. Discrimination of minorities versus Whites in housing rental and sales market. The City should initiate efforts to pass a substantially equivalent Fair Housing Ordinance to the Fair Housing Act. The ordinance would prohibit housing discrimination. HCDD continues to expand and provide training for the Fair Housing Staff and collaborate with the Greater Houston Fair Housing Center. Financial Literacy Education is needed. Along with credit and personal finance counseling, first time homebuyers need to learn how to identify predatory lending practices.  HCDD supports homebuyer assistance and counseling programs. Once the HOME funds are restored, funding these programs will continue. Lack of loan product and services to very low-income minority neighborhoods, which promote deterioration.  The City should continue to leverage federal funds through partnerships that encourage revitalization in low- income neighborhoods. HCDD continues to partner with CHDOS, lending institutions and CBOs in the development of affordable housing. The City of Houston has created the Land Assemblage Redevelopment Authority (LARA) and Houston Hope to revitalize targeted inner-city neighborhoods.  Predatory Lending targets moderate and low-income com-munities. The City should educate the public on this type of lending to prevent abuse. HCDD supports homebuyer assistance and counseling programs that provide predatory lending education. Once the HOME funds are restored, these programs will continue.  Disparity in lending practices for those obtaining a home loan. The City should monitor the Home Mortgage Disclosure Act information and work with lenders to improve lending practices. HCDD has revised its homebuyer assistance program to work collaboratively with lenders, developers and contractors in the home purchasing process.  Lack of a substantially equivalent Fair Housing Ordinance. The City of Houston should adopt a substantially equivalent Fair Housing Ordinance to provide local enforcement of fair housing rights. HCDD is developing an Analysis of Impediments to Fair Housing with supporting data as the basis for a substantially equivalent Fair Housing Ordinance.  Introduction The City of Houston is committed to eliminating impediments to fair housing. The Analysis of Impediments (Al) to Fair Housing is a comprehensive review of the jurisdiction’s laws, regulations and administrative policies, procedures and practices affecting the location, availability and accessibility of housing. The AI is also an assessment of conditions, both public and private which affect fair housing choice. Title VIII of the Civil Rights Act of 1968 (Fair Housing Act) prohibits discrimination in the sale, rental and financing of dwellings and in other housing-related transactions, on the basis of race, color, national origin, religion, sex, familial status (including children under the age of 18 living with parents or legal custodians, pregnant women, and people securing custody of children under the age of 18), and handicap (disability). HUD provides funding to state and local governments to enforce local fair housing laws that are substantially equivalent to the Act. Once a state or city has a substantially equivalent fair housing law, they can apply to be certified as a Fair Housing Assistance Program (FHAP) agency and receive funds for investigating and conciliating fair housing complaints. A city must be located in a state with a fair housing law that has been determined by HUD to be substantially equivalent. The city must also adopt a law that HUD concludes is substantially equivalent in order to participate in the FHAP program. The local law must contain the seven protected classes: race; color; sex; religion, national origin; familial status; and handicap status. It must also have substantially equivalent powers in investigations, remedies, and enforcement. The state of Texas passed the Texas Fair Housing Act in 1989 as part of its housing policy. It contains all of the requisite provisions to be substantially equivalent to the Federal Fair Housing Act. The City of Houston does not have a substantially equivalent local fair housing ordinance. The City’s Housing Ordinance was passed in the 1960s. It does not include the protected classes of familial status and the disabled. Since 1968, the U.S. Department of Housing and Urban Development (HUD) has required that grant recipients affirmatively further fair housing in the program it funds and administers. This year, the City of Houston received $64.1 million in CDBG, HOME, ADDI, ESG and HOPWA entitlement funds. As part of the Consolidated Plan, grantees must submit a certification requiring each recipient of the federal funds to undertake fair housing planning through the completion of an Analysis of Impediments, take action to eliminate identified impediments and maintain records which demonstrate affirmative furthering of fair housing. To satisfy provisions set in the five (5) year Consolidated Plan, grantees must certify that an Analysis of Impediments was completed and actions were taken to eliminate identified impediments. Records must be maintained to demonstrate that affirmative furthering of fair housing procedures are being adhered to. The 2005 Consolidated Plan clearly indicates that efforts to provide affordable housing units have been impeded by the inability to use HOME funds that have been frozen by the U.S. Department of Housing and Urban Development (HUD), and that program revisions must be approved before the program is resumed. Additionally, the on-going construction of “market rate” housing in inner-city neighborhoods has exacerbated the housing cost problems experienced by low and moderate-income residents, homeowners and renters. Land cost in these communities has become too expensive for development of affordable housing. The impact of these issues will be explored in depth in the AI Report. The housing industry is subject to the federal and state fair housing laws on an ongoing basis. The housing industry collaborates with fair housing programs on all levels to promote equal housing opportunity. Many national media campaigns for fair housing are co-sponsored by the housing industry. They commonly use the HUD Equal Housing Opportunity logo used by the housing industry which reflects the incorporation of fair housing in their projects. Fair housing is good business for the housing industry. Most of the housing industry follows the fair housing requirements and benefit from the diverse population that they serve. Fair housing organizations and awareness help the housing industry by identifying and correcting problem areas. The City of Houston’s AI will specifically provide a community profile, review of local fair housing policies, an analysis of Houston’s Fair Housing Survey, review of the Home Mortgage Disclosure Act data, and identify impediments and recommendations to address them. The Process The City of Houston received HUD approval to develop the second Analysis of Impediments (AI) to Fair Housing with the 2005 Consolidated Plan. The first AI was completed in 1997. In the development of the 2005 AI, the City of Houston agreed to conduct a comprehensive review of the City’s building codes for compliance with accessibility requirements of the Fair Housing Act and complete a comprehensive needs assessment. The Department hired a consultant to conduct a survey, analyze and then facilitate focus groups in the development of the needs assessment. Additionally, the Greater Houston Fair Housing Center was hired as a consultant in the development of the AI to identify training and resources for the Fair Housing staff and assist in the comprehensive review of fair housing laws, regulations, administrative policies, procedures and practices. The Fair Housing Specialist in the local HUD office was also consulted about the strategy for developing the 2005 AI and needs assessment. The timeline for development of the AI coincided with the development of the 2005 Consolidated Plan. Reports on the status of the AI were provided for the Consolidated Plan Task Force and at public hearings held on January 27, 2005, and April 28, 2005. Notices of the public hearings were placed in English, Spanish and Chinese publications. Signage for the hearing impaired was provided at each hearing and special accommodations were made available for the disabled on an “as needed” basis. A final draft of the AI was presented to the Advisory Task Force on June 10, 2005, for approval. Section I: Community Profiles From the early 1900’s Houston growth was tied to the oil industry. During the 1970’s the quadrupling of world crude prices stimulated local industrial and manufacturing activity. When the national economy slipped into recession in 1980, Houston seemed to be immune. Local economic growth, driven by an expanding manufacturing sector, accelerated. Thousands of copies of the local daily newspapers were sold every weekend in Detroit and other depressed cities as unemployed blue-collar workers searched for new job listings in booming Texas. In 1982 oil prices softened and drifted downward. The impact in Houston’s job market was profound. Many of the jobs lost were high-paying blue-collar positions in petrochemical, oil equipment and service, and other energy-related industries. Historical information provided by the Greater Houston Partnership states that from the early 1900’s to today, Houston’s public and private sectors have aggressively pursued economic expansion. Since the downturn of the 1980’s Houston’s private and public leaders have worked together to create an urban expansion through substantial investment in economic initiatives, tackling Houston’s traffic/mobility problems and flood control. By 1989 the City’s economy steadily diversified from energy-related industries to non-energy related sustained job growth. The 2000 Census listed Houston with the lowest median age at 33.0 compared to the 10 largest Metropolitan Statistical Areas (MSAs) in the United States. As a result, Houston is less susceptible than other US Cities to experience a shortage of entry-level workers. Many minority and low-income people fall within this entry-level worker category. The following demographic data shows how the Houston population has changed over the last 10 years, resulting in an increased minority and low-income population with a need for more jobs and housing. Population The City of Houston has changed significantly in the past decade. In 1990, the population was 1,630,553 and grew to 1,953,631 by 2000. This represents an increase of 323,078 or 19.8%. During the 1990’s, the ethnicity was 40.6% White, 27.4% Black, 27.6% Hispanic and 4.1% Asian. By 2000, the ethnic breakdown had changed to 31% White, 25.4% Black, 37.4% Hispanic and 5.7% Asian. This represents a 9.8% decline in the White population and a 62.2% increase in the Hispanic population. See the population table that follows. Table 1 Houston Population 1990 and 2000 1990 Percent 2000 Percent Increase Percent Total 1,630,553 1,953,631 323.078 20 White 662,642 41 601,851 31 -60,791 -10 Black 447,144 27.4 495,338 25.4 48,194 10.8 Hispanic 450,483 27.6 730,865 37.4 280,382 62.2 Asian 67,113 4.1 111,379 5.7 44,266 65.9(U.S. Census 1990,2000) B. Income In 1990, the median household income for Whites was $44,691, $27,648 for Blacks, $30,703 for Hispanics and $40,700 for Asians. In 2000, the median household income was $52,390 for Whites, $29,937 for Blacks, $33,150 for Hispanics and $50,816 for Asians. In 1990, the level of poverty was 13.5% among Whites, 27.9% among Blacks, 24.6% among Hispanics and 15% among Asians. In 2000, the level of poverty was 11.7% among Whites, 24.5% among Blacks, 22.2% among Hispanics and 11% among Asians. Table 2 Household Median Income 1990 and 20001990% Poverty2000% PovertyWhite44,6911452,39012Black27,64827.929,97325Hispanic30,70324.633,15022Asian40,7001550,81611(U.S. Census 1990,2000) C. Employment Table 3 shows that in 1990, the level of households with professional employment was 40.3% among Whites, 24.2% among Blacks, 23.9% among Hispanics, and 37% among Asians. In 2000, the level of professional employment was 45.5% among Whites, 24.9% among Blacks, 22.8% among Hispanics, and 38% among Asians. Table 3 Houston Professional Employment 1990 20001990 Percent2000 PercentWhite4046Black2425Hispanic2423Asian3738 In 1999, the level of unemployment was 5.7 %for Whites, 13.0% for Blacks, 9.0% for Hispanics, and 6% for Asians as indicated by Table 4. In 2000, the level of unemployment was 5.1% for Whites, 10.4% for Blacks, 8.7% for Hispanics, and 5% for Asians. Table 4 Houston Unemployment 1990 20001990 Percent2000 PercentWhite65Black1310.4Hispanic98.7Asian95 D. Education The educational attainment level of the population over 25 years is that of a high school graduate or higher (70.4%). Education levels for Blacks and Hispanics are half of Whites and Asian. Table 5 shows that in 1990, the level of college educated households was 34.5% among Whites, 16.2% among Blacks, 17.1% among Hispanics, and 32% among Asians. In 2000, the level of college educated households was 41.7% among Whites, 17.3% among Blacks and 17.1% among Hispanics, and 48% among Asians. Table 5 Houston College Educated Households 1990 - 20001990 Percent2000 PercentWhite3542Black1617Hispanic1717Asian3248 E. Public Transportation Adequate transportation at an affordable cost is essential to getting to work and maintaining a job. Most people in the city drive a personal vehicle. Table 6 indicates the number of vehicles per households in Houston in 2000. In 43.2% of the households, there is 1 vehicle. In 34.7% of the households, there are 2 vehicles. In 11.7% of the households, there are 3 or more vehicles. Public transportation is provided by the Metropolitan Transit Authority. Bus service and light rail provide transportation to the central business district and medical center. According to the 2000 Census, 49,441 workers, 16 years and over used public transportation. Table 6 Houston Vehicles per Household in 2000% of households0 vehicle101 vehicle442 vehicles353+ vehicles12(U.S. Census 2000) F. Housing The number of housing units in Houston in 2003, was estimated at 813,614 as indicated in Table 7. Of these housing units, 722,961 were occupied and 90,653 were vacant. Of the occupied housing units, 324,392 (44.8%) were lived in by owners and 398,569 (55.2%) were lived in by renters. The average size of the owner occupied unit was 2.9 persons and the average size of the renter occupied unit was 2.5 persons. The homeowner vacancy rate was 2.2% and the rental vacancy rate was 11.7%. The 2000 Census estimates the majority (27.6%) of the housing stock was built from 1970-1979. The majority value (34.8%) of the housing stock was from $50,000 to $99,999. The Real Estate Center at Texas A&M University estimates that future Texas population growth is expected to significantly impact demand for residential housing units. If the state’s population continues to grow at the 2000 – 2003 rate, average annual demand for single-family and multi-family units is expected to exceed 131,000 and 65,000 units, respectively, from 2005 – 2015. Locally, if the City of Houston continues to grow at the 2000 – 2003 rate the annual demand will be 30,128 single-family and 18,361 multi-family housing units. Table 7 Houston Housing Units in 2003Owner OccupiedRenter OccupiedTotal813,614Occupied722,961324,39245%398,56955%Vacant90,653(U. S. Census 2003 Estimate) In FY 2005, program year (July 1, 2005 – June 30, 2006), the City of Houston will receive $34,244,067 in CDBG funds and $14,061,162 in HOME funds. The Comprehensive Housing Affordability Strategy (CHAS) data is used to determine housing problems in Houston and is a basis for the allocation of funds. The maps that follow the CHAS Table depict the location and characteristics of housing units in Houston. Most owner occupied housing units are concentrated outside Loop 610, the boundary of the inner city. There is a concentration of low-income households with a need for public transportation within the Loop 610 area. Most of the City’s affordable housing resources are targeted to assist residents in the inner city. These programs are discussed later in this report. Chas Table 8 Name of Jurisdiction: Houston City, TexasSource of Data: CHAS Data BookData Current as of: 2000RentersOwnersElderly 1 & 2 Member HouseholdsSmall Related (2 & 4)Large Related (5 or more)All Other House-holdsTotal RentersElderly 1 & 2 Member Household Small Related (2 to 4)Large Related (5 or more)All Other House-holdsTotal OwnersTotal House-hold(A)(B)( C )(D)(E)(F)(G)(H)(I)(J)(K)1. Very Low Income (Household Income ,=50% MFI)16,57761,25223,88244,638146,34922,98717,18910,2968,73059,202205,5512. Household Income <=30%MFI11,28332,19912,01026,14981.64112.4138,1254,2855,40830.231111,872% with any house problems7182.59471.27966.173.987.563.670.876.8% Cost Burden > 50% with other Housing problems3.318.736.32.513.90.45.527.91.655.911.8% Cost Burden > 30% to <= 50% with other housing problems0.67.526.70.67.10.11.812.40.52.45.9% Cost Burden <+30%A with other housing problems % Cost Burden > 50% only2 50.97.7 38.417.6 9.61.66.4 42.80.2 44.34.6 49.117 23.62 50.14.1 43.75.8 43% Cost Burden > 30% to <=50% only14.310.33.859.98.72112.96.69.414.710.33. Household Income> 30% to <=50%MFI5,29429,05311,87218,48964,70810,5749,0646,0113,32228,97193,679% with any housing problems71.678.191.682.681.338.960.882.558.55773.8% Cost Burden > 50% with other housing problems1.21.820.41.40.12.85.30.82.11.6% Cost Burden > 30% to <=50% with other house problems1.715.125.11.8120.13.919.40.45.39.9% Cost Burden <= 30% with other housing problems1.516.654.23.118.40.45.730.21.18.315.3% Cost Burden > 50% only32.28.61.424.513.716.122.77.535.418.615.2% Cost Burden > 30% to ,=50% only35368.952.835.722.225.720.120.822.731.74. Household Income > 50 to <=80% FMI5,01935,34512,81729,97383,15413,23318,30911,7986,65048,990132,144% with any housing problems47.843.68035.546.519.939.665.642.840.944.4% Cost Burden > 50% with other housing problems10.1000.100.10.500.20.1% Cost Burden > 30% to <=50% with other housing problems0.22.32.70.61.601.95.60.52.11.8% Cost Burden <=30% with other housing problems2.32.6874.24.824.70.37.148.20.514.420.9% Cost Burden > 50% only14.410.12.82.35.76.31.512.45.73.6% Cost Burden > 30% to <=50% only29.913.4327.217.813.824.29.829.58.518.15. Household Income> 80% MFI8,33359,90712,42574,510155,17540,568111,82427,10335,626215,121370,296% with any housing problems21.11968.37.417.56.39.535.112.712.614.7% Cost Burden >50% with other housing problems0.80000000.1000% Cost Burden >30% to <=50% with other housing problems0.80000.100.10.40.10.10.1% Cost Burden <=30% with other housing problems2.51 6.667.23.313.51.64.126.83.55.89% Cost Burden >50% only5.50.100.30.51.110.721.10.9% Cost Burden >30% to <=50% only11.62.213.83.44.853.49.95.64.66. Total Households29,929156,50449,124149,121384,67876,788147,32249,19750,5006323,313707,991 Insert Percent of Occupied Housing Units Map HERE Insert Media Household Income Map HERE Insert Persons 21 to 64 … Map HERE Insert Percent of Workers of 16 years….Map Here III: Fair Housing Law, Municipal Policies and Enforcement A HUD commissioned Housing Discrimination Study (HDS) in 2000 reviewed Black and Hispanic treatment by housing providers in selected cities. In the Houston rental market, Blacks were discriminated against relative to Whites in 18.6% of the transactions. In the sales market, Blacks were treated adversely relative to Whites in 24.4% of the transactions. In seeking financial assistance, Black homebuyers were less likely to be offered help with financing than White homebuyers. Blacks were also less likely to be recommended to lenders than Whites. Housing Discrimination occurs on a daily basis in Houston. Most of these instances do not get reported to anyone for a variety of reasons. The lack of awareness of fair housing rights, the lack of enforcement, and the general tolerance of housing inequities contribute to the problem. The treatment of Hispanics is very similar to that of Blacks. In the rental market, Hispanics are consistently treated adversely relative to non-Hispanic Whites in 19.1% of the transactions. In the sales market, Hispanics were consistently treated adversely relative to non-Hispanic Whites in 26.7% of the transactions. Table 9 Percentage Adverse Treatment in Houston HousingRentalSalesBlacks18.624.4Hispanics19.126.7(Housing Discrimination Study, Urban Institute 2000) Fair Housing Law The Federal Fair Housing Act and the substantially equivalent Texas Fair Housing Act are the primary laws utilized in pursuing housing discrimination complaints in the City of Houston. The City does not have a substantially equivalent fair housing ordinance and does not enforce fair housing violations. The Federal Fair Housing Act was enacted in 1968, and amended in 1974 and 1988 to add protected classes, provide for additional remedies, and strengthen enforcement. The Act makes it unlawful for a person to discriminate on the basis of race, color, sex, religion, national origin, handicap, or familial status. The Act generally prohibits discrimination based on the protected classes mentioned with few exemptions in residential housing. This includes sales, rentals, advertising, insurance, lending and appraisals. Activities that are prohibited under the Act are: 1) Misrepresenting that housing is unavailable by providing false or misleading information about a housing opportunity, discouraging a protected class member from applying for housing or from making an offer of sale and discouraging or refusing to allow a protected class member to inspect available housing; 2) Refusing to rent or sell or to negotiate for the rental or sale of a house or apartment, failing to effectively communicate or process an offer for the sale or rental of a home using all non-minority tenant association members to review applications from protected class members and advising prospective renters or buyers that they would not fit with the existing residents; Discriminating in the terms, conditions, or facilities for the rental or sale of housing by using different provisions in leases or contracts for sale imposing slower or inferior quality maintenance and repair services requiring a security deposit for protected class members, assigning persons to a specific floor or section of a building, development, or neighborhood, and evicting protected classes, but not Whites, for late payments or poor credit; 4) Printing, producing, publishing, or posting (direct or implied) statements or advertisements that housing is not available to members of a protected class; persuading or attempting to persuade people for profit, to rent or sell their housing due to protected classes moving into the neighborhood; Denying or making different loan terms for residential loans due to membership in a protected class by using different procedures or criteria to evaluate credit worthiness, purchasing or pooling loans so that loans in minority areas are excluded, implementing a policy that has the effect of excluding a minority area, and applying different procedures for foreclosures on protected class members; and denying persons the use of real estate services and retaliating against a person for filing a fair housing complaint. The Act requires housing providers to make reasonable accommodations in rules, policies, practices, and paperwork for person’s with disabilities. They must allow reasonable modifications in the property so people with disabilities can live successfully. B. Enforcement The City’s Fair House Office (FHO) helps citizens of Houston by providing landlord/tenant counseling for all that seek it. The FHO offers no enforcement of fair housing laws because of the lack of a substantially equivalent fair housing ordinance. The number of people served continues to grow. The FHO has also increased its outreach in the Houston area. Staff participated in a total of eleven activities during 2004. The FHO was involved in seminars, television, radio programs, and print media interviews as well. While not doing any actual discrimination enforcement, the FHO does screen clients for any prima facie cases of illegal discrimination. Upon finding a prima facie case, the claimant is referred to the regional HUD office, the local HUD office, or the Greater Houston Fair Housing Center. The Greater Houston Fair Housing Center (GHFHC) is a private nonprofit organization founded in 1999. It became a HUD recognized Fair Housing Initiatives Program (FHIP) in 1999, providing a variety of programs and services. The agency is a full service fair housing center offering fair housing enforcement activities as well as education and outreach. The GHFHC has conducted fair housing testing where matched individuals or pairs posing as potential tenants or buyers visit properties to seek information about housing opportunities. Testing has shown that discriminatory practices are still common in Houston. Services are provided in English and Spanish. Currently, the City of Houston is contracting with the GHFHC to assist in the development of the Analysis of Impediments. C. Production and Enforcement of Affordable Units A major housing goal of the City is to increase the percentage of homeowners in Houston to 50% by 2010. According to a 2003 U. S. Census estimate, 45% of homes were owner-occupied and 55% were occupied by renters. Since 1992, homebuyer assistance has been provided by the City to over 8,000 families. At the same time, the number of multi-family units has increased by 20,000 through acquisition, rehabilitation, and new construction. The City has a Homebuyer Assistance Program (HAP) that is restricted to low and moderate income families/households whose yearly income does not exceed eighty percent (80%) of Houston’s median income. In addition, the City has received a total of $1,729,269 from the American Dream Down Payment Initiative (ADDI) to provide homebuyer assistance to minority low and moderate-income families/households. This program was prompted by the fact that 70% of all Americans own their homes, while less than half of African-Americans and Hispanics are homeowners. From June 2003 to June 2004, the City of Houston assisted 617 families with down payment and closing costs. During 2005, it is projected that 90 homebuyers will receive assistance. Houston’s Housing and Community Development Department (HCDD) gives priority to development of City sponsored single-family projects in targeted areas of the city. These targeted areas constitute low and moderate-income inner city neighborhoods. The department supports waiving of impact fees whenever possible in support of the City’s affordable housing program. The City also has the Land Assemblage Redevelopment Authority (LARA), which manages the redevelopment of tax delinquent properties and maintains an inventory of lots for residential development. These lots will be sold at below market rates in order to expedite development of affordable housing. For Fiscal Year 2005, the City’s goal is to make approximately 72 units of multi-family housing available to low and moderate income residents. The City’s HCDD projects that an additional 1,500 single-family units for homebuyers, and 796 multi-family units will be financed through non-federal sources. The City estimates that approximately 100 units will be developed for persons with disabilities, the elderly, and/or frail elderly. The City plans to assist 90 homebuyers through its down payment and closing costs program in 2005. HCDD is in the process of resolving program findings related to the Emergency Home Repair Program. Once operational, plans are to assist approximately 60 income-eligible homeowners in Fiscal Year 2006. D. Regulatory and Public Policy Review Municipal regulations are a major component in the development of affordable housing. Municipal regulations can be a barrier to affordable and fair housing. They can add undue time and costs to housing production. These regulations may include out-of-date building codes, duplicated or time-consuming design review or approval processes, burdensome rehabilitation codes, unnecessary or excessive fees and taxes, extreme environmental restrictions or excessive land development standards. The City construction codes are designed to protect both the citizens and neighborhoods of Houston. These codes and ordinances require both permits and inspections from the drawing to the completion of the project. In most cases, post completion inspections may be necessary to assure the continued safety of a completed project. Any additions to or remodeling of a completed structure will also require permits as when the project was originally constructed. Mayor Bill White discovered a major drawback to building in Houston, in the amount of time builders had to wait to get the necessary permits and inspections. He appointed a committee of industry insiders to study the City’s system. They prepared a report outlining the problems and offered solutions to streamline the permit process. Many of their suggestions have already been implemented with others to be phased in when appropriate. The City of Houston has initiated three very promising programs designed to increase the amount of affordable housing in Houston. Houston Hope established by Mayor Bill White, is an initiative designed to stabilize and revitalize neighborhoods that have long been suffering from neglect, blight and disinvestment. These are neighborhoods that in recent years have lost their best educated and most productive working families with school-age children. These are neighborhoods with an aging housing stock that is being abandoned in large numbers only to be replaced by dilapidated, open and vacant buildings surrounded by weeded lots. These are communities where public schools are closing due to the declining number of school-age children. These neighborhoods are also experiencing a loss in local business as commercial strip centers and small retail operations close. The result is a redirection in employment opportunities. The goal of Houston Hope is to transform these distressed neighborhoods into revitalized affordable communities with housing stock affordable to low and moderate-income residents. This transformation will be achieved through aggressive targeting of the City’s resources, complimented by contributions from the private sector and philanthropic institutions. The Houston Hope neighborhoods are Acres Homes, Clinton Park, Independence Heights, Settegast, Sunnyside, and Trinity/Houston Gardens. These neighborhoods all have housing values and household incomes well below the city norm. A problem common to each neighborhood is the large number of tax delinquent and abandoned properties contributing to the area’s destabilization. The City has adopted both short and long-term strategies to secure improvements in the Houston Hope neighborhoods. Short-term, weeded lots are being cut, heavy trash and tires are being removed, ditches are being regraded and trees planted. Long term, the City will work to improve the existing housing stock, increase the number of affordable units, and expand development opportunities through assistance to small businesses in the targeted areas. The second of the promising initiatives is Land Assemblage Redevelopment Authority (LARA). The purpose of the Authority is to implement a program that assembles long-term tax delinquent parcels of land and conveys the lots for redevelopment. Third and Fifth Ward have been chosen as the initial neighborhoods for the program. As with Houston Hope, LARA will promote and encourage the development and redevelopment of blighted, abandoned or vacant properties within the targeted communities. LARA’s primary goal is to encourage the development of affordable housing and the furtherance of neighborhood redevelopment goals in Houston. For LARA to be effective, the City had to enter into an inter-local agreement with the other taxing jurisdictions in reference to the delinquent properties sought by the program. The LARA Board of Directors is charged with assembling the properties for sale and is empowered to take actions to ensure that the properties are redeveloped for uses that conform to the neighborhood redevelopment goals that are consistent with the City’s affordable housing policy. The third initiative involves Tax Increment Reinvestment Zones, which are geographic areas designated by Houston’s City Council for the purpose of funding public improvements and services necessary for zone development and/or redevelopment. The TIRZ zones are used primarily for infrastructure improvements. To date, the City of Houston has created twenty-two zones. The City of Houston is also utilizing the Super Neighborhoods concept to encourage citizens to participate in determining the needs of their respective neighborhoods. The Super Neighborhood initiative provides an avenue for more effective community input into city government policy making, budgeting, planning and service delivery systems. Participants are charged with creating a Super Neighborhood Area Plan (SNAP), which is then submitted to the City for implementation. E. Fair Housing Complaints The City’s FHO is the only municipal entity of the Houston metropolitan area specifically dedicated to providing education and counseling to both landlords and tenants. Tenants comprise the largest group of people served by the FHO. Landlords are also assisted. Landlords occasionally call seeking answers to landlord tenant issues. The FHO also refers callers to a number of other City and State offices. Among these are the City’s Neighborhood Protection office for inspection for code violations, and the State’s Environmental Protection Office for inspections for mold. These two areas get the majority of referrals from the FHO within the city. The FHO also refers callers to the State Attorney General’s Office of Consumer Protection, Lone Star Legal Aid, Houston Housing Authority, Houston Center for Independent Living, and the Houston Volunteer Lawyer Program. This list is by no means complete as situations give rise to other referrals. The FHO also makes itself visible by participating in community outreach opportunities. The opportunities occur during seminars, Fair Housing Month activities, television and radio programs, first time home buyers fairs, etc. The Greater Houston Fair Housing Center (GHFHC) offers fair housing enforcement, education, and outreach services, and receives allegations of housing discrimination from protected class members. GHFHC determines if there are sufficient facts and evidence to support filing a federal complaint with the U. S. Department of Housing and Urban Development. Most complaints handled by the GHFHC are administratively processed through HUD. Complaints are either investigated by HUD or forwarded to the Texas Workforce Commission Civil Rights Division for further investigation. IV: Home Mortgage Disclosure Act (HMDA) Data Analysis, Fair Housing Survey Home Mortgage Disclosure Act Data Analysis The Federal Financial Institutions Examination Council (FFIEC) gathers data on home mortgage activity from the federal agencies that regulate the home mortgage industry through the Home Mortgage Disclosure Act (HMDA). The data contains variables that facilitate the analysis of mortgage lending activities like race, income, census tract, loan type, and loan purpose. The data documents the use of financial products by minorities and can show disparities. THE HMDA data in this analysis is for 2003 and covers the Houston Metropolitan Statistical Area (MSA) in Harris County. The data shows that for the Houston MSA in 2003, Whites had a considerable advantage in loans of all types for home purchase, refinance and home improvements. Whites submitted two and three times more applications than Blacks and Hispanics. Whites had greater success in loan origination rates and were denied far less times. The data is summarized through various methods. The tables in the appendix cover the HMDA data in detail. All racial and ethnic groups are reflected in the tables. The loans are divided into four types. These are FHA, FSA/RHS, VA loans and conventional loans. The following charts will compare HMDA data for the three largest groups: Blacks; Hispanics and Whites.  Table 10 shows the number of FHA, FSA/RHS, and VA home purchase loan applications received in 2003 for Blacks, Hispanics, and Whites in Houston/Harris County. The number of White applications is twice as high as Blacks and over 40% higher than Hispanics.  Table 11 shows the percentage of home loan applicants Black, Hispanic and White that were originated in Houston/Harris County in 2003. Origination rates for Whites were 76%, Blacks were 64% and Hispanics were 67%. A significant higher percentage of Whites were approved for loans than Blacks and Hispanics.  Table 12 shows the denial rate for FHA, FSA/RHS, and VA loans. The denial rate was 9% for Whites, 19% for Blacks and 14% for Hispanics. Blacks and Hispanics were more often denied twice as often as Whites.  Table 13 shows the number of conventional home loan applications received for the three largest groups in Houston/Harris County in 2003. Whites made 58,107 applications, Blacks made 16,729 applications, and Hispanics made 26,693 applications. Whites made 41,378 more applications than Blacks and 31,414 more applications than Hispanics.  Table 14 shows the conventional home purchase loan origination rates for 2003 Houston/Harris County. Origination rates for Whites were 70%. Black origination rates were 57%. Whites had the highest percentage approval rate among the highest number of applications received. Whites originated 40,675 applications as compared to 7,361 submitted by Black, and 15,214 submitted by Hispanics. Whites continue to have tremendous advantages in the acquisition of homes over Blacks and Hispanics.  Table 15 shows the denial rate for conventional home purchase loans in Houston/Harris County. The denial rate was 11% for Whites, 24% for Blacks and 19% for Hispanics. Blacks and Hispanics were denied twice as much as Whites. The denial rates again demonstrate a clear disadvantage for Blacks and Hispanics in seeking a conventional loan for a home.  It is clear that Whites have the highest levels of loan originations. Blacks lag behind in both conventional and non-conventional loans. Hispanics do not fare much better. Table 16 shows the number of applications for refinancing a mortgage in Houston/Harris County in 2003. Whites submitted 136,533 applications, Blacks 27,625 and Hispanics 39,117. Whites submitted 500% more applications than Blacks, and 350% more applications than Hispanics. This plays a significant role in the dynamics of Black and Hispanic households. Many homes are being lost or going without repairs because of the inability to refinance.  Table 17 shows the percentage of applications to refinance a mortgage that were originated for Blacks, Hispanics, and Whites in Houston/Harris County for 2003. Whites had a 60% origination rate, Blacks a 39% origination rate, and Hispanics a 45% origination rate. Given the high numbers of White applications for loans to refinance, Blacks and Hispanics are at a clear disadvantage. There were 81,920 originated applications submitted by Whites, as compared to 10,744 originated applications submitted by Blacks, and 17,603 originated applications submitted by Hispanics.  Table 18 shows the percentage of applications to refinance in 2003 that were denied in Houston/Harris County for Blacks, Hispanics, and Whites. Blacks were denied at a rate of 37%, Hispanics at a rate of 35%, and Whites at a rate of 21%. The denial rate for Blacks and Hispanics is considerably higher than that of Whites. Fair Housing Survey A needs assessment survey was conducted from August 2004 through March 2005. A section of fair housing was included in this survey. The survey illustrates that one-third of respondents experienced denial of access to a house, apartment, or Section 8 housing and/or received differential treatment. One fourth of the group was “steered” or directed away from accessing housing. Table 19 Houston Housing Survey 2004Fair Housing PracticesInfractionNoYesDenied Mortgage Loan83.416.6Denied Private Insurance84.816.6Denied Property Insurance88.311.7Denied House/Apartment65.834.2Received Differential Treatment 67.6 32.4Was Steered74.425.6Denied Section 8 Housing 72.227.8 IV: Barriers to Fair Housing According to the report. “America’s Neighbors: The Affordable Housing Crisis and the People it Affects” by the National Low Income Housing Coalition, in 2001, ninety-five million people, (one third of the nation) had housing problems of high cost burden, overcrowding, poor quality and homelessness. Housing cost burden is the most frequently experienced housing problem. In fact 87% of low-income people in households with housing problems have a high housing cost burden. In addition, 65 million people with housing problems also have household incomes at or less than 80% of the area median. Households with income at or less than 30% of area median are extremely low income and usually must contend with housing problems. The lowest income people experience the most severe housing cost burdens. In Houston, an extremely low-income household earning $18,300, or 30% of the Area Median Income of $61,000, can afford monthly rent of no more than $458, while the Fair Market Rent for a two-bedroom unit is $801. A minimum wage earner earning $5.15 per hour can afford monthly rent of no more than $268. A Social Security Income recipient receiving $564 monthly can afford monthly rent of no more than $169, while the Fair Market Rent for a one-bedroom unit is $657. The lack of a sufficient number of the moderate to low-income residential units is a barrier to securing affordable housing. The Houston housing stock has changed rapidly. The redevelopment in the inner city has increased the cost for both rental and for-sale property. The properties that are being built are not affordable to most working families. Low and moderate-income people have to expend 30% to 37.5% of their income for housing. Many households have to move further away from their jobs and current neighborhoods because of the lack of affordable housing. A major barrier to affordable housing and fair housing choice is the price of land. Land costs, particularly within Loop 610 are high and in some cases unaffordable. With the redevelopment of the downtown, gentrification of the inner city neighborhoods has taken on a greater intensity. Town homes and lofts are being built next to generational homes. The cost of the land alone is going up every year. The taxes and insurance costs are forcing many families to sell and relocate. The price of the land is more than many families can afford. The barrier of land cost will impede the development of affordable housing in the city. A major barrier is the need for housing for disabled people. According to the City’s 2004 Consolidated Annual Plan, there are more than 360,000 people with disabilities in Houston. This population’s housing needs are tremendous. Housing for the disabled has to be accessible as well as affordable. Another barrier is the need for the reasonable modifications and accommodations of housing for the disabled. Housing providers are obligated by federal and state law to make a reasonable accommodation or modification in the housing environment in order for a disabled person to be comfortable in the dwelling. Many public and private housing providers are unaware of their obligations to the disabled. Fair housing education and outreach is necessary for managers of both private and public housing. Enforcement actions are needed in order to insure that the rights of people are protected. Another obstacle is that the City of Houston’s Housing Ordinance, passed in the 1960’s does not protect the disabled or families with children. The State of Texas has a fair housing law that is substantially equivalent to the federal Fair Housing Act. In addition, there is a need for more fair housing services. The existing agencies can only deal with a limited number of people. The City’s Fair Housing Office provides information and referrals on a daily basis. Fair housing enforcement services are provided by the Greater Houston Fair Housing Center. There is a constant flow of fair housing complaints in the city. The issue of housing discrimination is very real to the thousands that seek housing or suffer from housing abuse. There is a need to support these efforts as an active part of the development of affordable housing. Building and land development codes can sometimes act as a barrier to fair housing. The codes should be reviewed and updated to insure incorporation of federal standards for multi-family housing from the federal Fair Housing Act and the Americans with Disabilities Act. Section V: Impediments to Fair Housing Based on the demographic profile of the City of Houston, a review of the City’s fair housing policies, housing ordinance, the local Home Mortgage Disclosure Act (HMDA) data and the Fair Housing Survey, the following impediments to fair housing have been identified. 1. The inability to use HOME funds for the development of affordable housing. The U. S. Department of Housing and Urban Development has frozen these funds until program revisions are approved. Once these changes are completed, the program should be restored as soon as possible so that the City can continue its efforts to provide affordable housing for low and moderate income Houstonians. 2. Lack of Income This is the main problem with securing affordable housing. This issue affects a number of people who can not afford suitable housing. Wages have not kept up with housing costs. Many of Houston’s very low income and low income renters must expend more than 30% of their income on housing. In 2000, 11.7% of Whites were below the poverty level, among Blacks the level was 24.5% and Hispanics were 22.2%. The less income a person has, the higher the housing cost burden. Many families have to do without necessities in order to afford housing. The less affordable housing becomes in the city, the greater the need for subsidized housing programs and housing assistance. 3. Lack of affordable housing in Houston Affordable housing is essential for the majority of Houstonians. The current trend is for development to replace historical low cost housing areas with non-affordable housing. The price range is driving many people from their neighborhoods. Many low-income households are being gentrified out of their communities by rising housing and land values. The issue of transportation is critical for affordable housing. Affordable housing and fair housing are shared goals in securing a non-discriminatory process whereby residents enjoy fair and equal housing opportunities. It is the responsibility of entitlement communities to ensure that housing providers comply with the federal Fair Housing Act and other laws that prohibit discrimination and intimidation of people in their homes. The entitlement jurisdictions are also responsible for providing affordable housing opportunities to persons of very low, low or moderate income. Together these housing initiatives help fight discrimination against all people by achieving equal housing opportunities. 4. Lack of Education The level of education is an important factor in the consideration of housing. Persons with higher educational attainment usually have better paying jobs. Forty percent of White households in Houston are college educated, while Blacks and Hispanics are at 17%. The type of employment and the level of wages are impacted by the educational attainment. The level of education can impact where one lives because of employment opportunities. Persons with less education will be relegated to low paying jobs and have limited housing choices. 5. Lack of accessible housing to meet the needs of the disabled community in Houston. There is a tremendous demand for affordable housing in Houston. Some landlords may take advantage of the disabled by not complying with request for reasonable accommodations and reasonable modifications. Many disabled tenants are charged higher rents and deposits for reasonable accessibility requests. Many disabled people are on fixed income and desperately need an affordable housing unit. Many times, they do not confront an abusive landlord for fear of losing the unit or receiving additional cost. Landlords are often ignorant of their obligations under the law, and fair housing requirements. 6. Discrimination against families with children. Discrimination against families with children does exist. Families are sometimes forced to move for unfair reasons. The issue of occupancy comes up and families are forced to move. The occupancy rules are governed by the federal and State Fair Housing Acts. Some landlords are unaware of the laws and continue to abuse families’ rights. Training should be made available to landlords. Also the City should continue to leverage federal housing funds through partnerships with lending institutions to provide funding rehabilitation of deteriorated neighborhoods. 7. Discrimination of minorities versus whites in housing rental and sales market. In 2000, HUD conducted a nationwide report on housing discrimination in 23 metropolitan cities. The study used paired testing to observe the difference in treatment of minorities verses Whites in seeking homes. The study concluded that Houston had high levels of discrimination for Blacks and Hispanic renters and homebuyers. The HUD report Discrimination in Metropolitan Housing Markets showed that Blacks and Hispanics continue to suffer discrimination in the city. Financial Literacy Education is needed. Financial literacy is an important factor in the successful management of personal finances. Homebuyers education programs are needed to assist people in the market to buy a home. Many homebuyers have poor credit. Financial education can prevent them from falling victim to predatory lenders. 9. Lack of loan product and services to very low income and minority areas, exhibiting similar characteristics to traditional redlining. Redlining is a practice where mortgage companies refuse to do business within the boundaries of certain areas considered to be undesirable. This action is usually racially discriminatory since the areas in question are usually minority areas. The HMDA data analysis suggests that the impact on minority communities creates the same barrier as redlining. This prevents the influx of money to deteriorating neighborhoods. The lack of new investment in a community contributes to deterioration of a neighborhood. 10. Predatory Lending Practices Predatory lending practices exists in Houston. Activities include raising interest rates after default on loans, balloon payments, provisions to accelerate loan repayment without the borrower’s consent, and negative amortization. These loans are made without the consideration of the borrower’s ability to repay. Lenders base the loan on the amount of equity available in the home and offer terms that borrowers cannot meet. Minority and elderly households are being targeted for these sub prime loans. Many times a low-income household will lose its automobile or home because of predatory lending. Disparity in lending practices. The Home Mortgage Disclosure Act information about Houston indicates that there is a large difference in lending outcomes between White and minority households. Many times a low income White household has a better chance of being accepted for a loan than a higher income minority. The differences in origination rates indicate that the problems in obtaining loans in the minority community need attention. These practices impact the availability of affordable housing. 12. Lack of substantially equivalent fair housing ordinance. In order for the City of Houston to properly address its fair housing needs, a fair housing ordinance should be developed that is in compliance with the federal Fair Housing Act. This action would greatly enhance the ability of Houstonians to live where they want. It would help all protected class members deal with unscrupulous housing providers by providing local enforcement of fair housing rights. VI: Recommendations The following recommendations are intended to provide potential methods of dealing with the issues of fair housing and housing choice: 1) The City should increase its efforts to educate consumers and providers on the rights and responsibilities inherent in the Federal Fair Housing Act. This knowledge will protect both groups from unfair or illegal housing practices. There needs to be aggressive enforcement for laws related to housing discrimination. The City needs to train and certify housing industry professionals about fair housing requirements. The City should continue to work on expanding job opportunities through corporate incentives, assist small business development, and other activities to reduce unemployment, and increase higher paying jobs. Economic development and decent wages should be encouraged in all areas of the city. 3) The City should support fair housing enforcement efforts within its jurisdiction. Through public and private collaborations, illegal housing discrimination can be curtailed. The City should initiate efforts to pass a substantially equivalent Fair Housing Ordinance. Since the State of Texas views fair housing as being important enough for adoption of a state substantially equivalent law, so should the City of Houston in order to deal with the issue of fair housing adequately. A City ordinance that prohibits housing discrimination, as does the federal and state law will greatly enhance the protection of peoples’ civil rights. If the City passes a substantially equivalent ordinance, then a Fair Housing Administrative Program (FHAP) could then be established using federal funding obtained from HUD’s Super NOFA program. The City should ensure efforts to create more accessible housing. A collaborative program, which includes the City, the disability community and housing providers, should be established. This collaborative group could provide education to members on reasonable accommodations and modifications in housing designed for the disabled. This could lead developers to embrace the needs of the disabled communities when planning future projects. 6) The City should insure more affordable housing by requiring all projects funded with city funds to include a number of affordable units. This will lead to an increase in the City’s affordable housing stock. Also, the City should continue to leverage federal housing funds through partnerships with lending institutions to improve funding for rehabilitation of deteriorated neighborhoods. 7) The City should increase its financial literacy programs such as its first time homebuyer’s program. Along with credit and personal finance counseling applicants need to be shown how to identify predatory lending practices during the home purchasing process. This can be achieved through partnering with lending institutions and housing providers. The city and financial partners should work with the local school districts to institute courses in high schools for financial literacy. Local lending institutions and real estate professionals can be enlisted to assist in the effort. 8) The City should expand its efforts to promote and assist small business development throughout the city particularly in low-income neighborhoods. This will provide income for people to better afford their housing of choice. These efforts should also result in the reduction of unemployment in these neighborhoods. Section VII: Appendix Table 20Disposition of Applications for home purchase loans by race and income of applicants in 2003.Houston/Harris CountyFHA,FSA,RHS,VAConventionalApps.PercentPercentApps.PercentPercentReceivedOriginatedDeniedReceivedOriginatedDeniedEthnicity:Native Am.7453%9%67050%22%Asian32567%11%945665%12%Black333964%19%1672944%24%Hispanic471367%14%2669357%19%White672576%9%5810770%11%Other42849%27%207556%18%Joint (White/Minority) 563 76% 9% 3342 64% 13%Unknown304748%19%1842654%16%TOTALS1921459%15%13549962%17%Income:<50% Median239463%16%1079948%30%50-79% Median639467%13%2792356%20%80-99% Median370671%10%1794760%16%100-119% Median 2531 72% 9% 15120 61% 14%>120% Median329674%8%5833968%11% Table 21Disposition of applications for loans to refinance or for home improvements on 1-4 family homes by race and income of applicants in 2003. Houston/Harris CountyRefinanceHome ImprovementsApps.PercentPercentApps.PercentPercentReceivedOriginatedDeniedReceivedOriginatedDeniedEthnicity:Native Am.134139%30%9625%65%Asian1383159%20%53731%44%Black2762539%37%271125%61%Hispanic3911745%35%387129%58%White13653360%21%1041048%33%Other886326%57%39724%64%Joint (White/Minority) 6854 60% 22% 527 41% 42%Unknown6204033%31%408822%51% TOTALS 296204 49% 22637 36%Income:<50% Median239463%16%298922%67%50-79% Median639467%13%436827%59% 80-99% Median 3706 71% 10% 2673 33% 50%100-119% Median 2531 72% 9% 2172 36% 46%>120% Median329674%8%993546%33% Table 22 Disposition of applications for home purchase loans by census tract characteristics in 2003.Houston/Harris CountyFHA,FSA/RHS,VAConventionalApps.PercentPercentApps.PercentPercentReceivedOriginatedDeniedReceivedOriginatedDeniedType of Census TractRacial Composition<10% Minority61973%13%513466%13%10-19% Minority329770%12%3141368%12%20-49% Minority792970%13%4979165%13%50-79% Minority440761%17%2943457%18%80-100% Minority284061%16%1903048%23%Income CharacteristicsLow Income27954%22%252353%28%Moderate Income314560%17%2005251%23%Middle Income755969%13%4223658%18%Upper Income810468%13%6994367%11% Table 23 Disposition of applications for home refinance and home improvement loans by census tractCharacteristics for 2003.Houston/Harris CountyRefinanceHome ImprovementApps.PercentPercentApps.PercentPercentReceivedOriginatedDeniedReceivedOriginatedDeniedType of Census TractRacial Composition<10% Minority1162959%20%89648%33%10-19% Minority6976958%20%519046%34%20-49% Minority10728553%25%738539%41%50-79% Minority6129443%33%452031%52%80-100% Minority4458234%39%444223%62%Income CharacteristicsLow Income450332%41%74119%69%Moderate Income4224836%37%470728%57%Middle Income9356943%32%705934%49%Upper Income15416457%22%991843%36% PAGE 10  PAGE 16  EMBED Excel.Sheet.8   EMBED Excel.Sheet.8   EMBED Excel.Sheet.8   EMBED Excel.Sheet.8   EMBED Excel.Sheet.8   EMBED Excel.Sheet.8   EMBED Excel.Sheet.8   EMBED Excel.Sheet.8  City of Houston 2005 Analysis of Impediments to Fair Housing Executive Summary City of Houston 2005 Analysis of Impediments to Fair Housing Executive Summary  EMBED Excel.Sheet.8  01›œŠ‹Œn o p ƒ „ …  ž   ” £ „ ° Ó Õ efgźėģ!"#def¶·ø&Ź‚ß)ė)*0H0¼7Ē7×9Ł9:::7:I:ž:ķåćŽćŽćŽćŽćŽŲćŽćĖČŲćŽćŽćŽćŽćŽćŽćŽćåĮĮĮĮ¾·“±Ŗ“Ŗ¢Ŗ5CJOJQJ CJOJQJCJCJ CJOJQJCJ CJOJQJCJjCJUmHnHu 5OJQJOJQJ55CJOJQJ#j5CJOJQJUmHnHu? /012ööķķ]°K„„¢„ˆ„˜ž$If]„¢^„ˆ`„˜ž$$If–lÖÖ\”’ !N9€CŠ  ī B  2 ’’’’’’’’’’’’Ö0’’’’’’öÖ’’’’’’’Ö’’’’’’’Ö’’’’’’’Ö’’’’4Ö laö $$Ifa$ $$Ifa$Qümüžżżż2ĘĒČżž›œńÜĖ½¬™Ž ! 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€€€ ĄĄĄO43*#M! ’’ M! ’’ M ’’’NM4% Ī'ō¢M 3O_ż’’ng& Q (percent originated'43–" :dd–44c3ē… ū–?3O% Ū’’’Ū’’’±M3OQ444% ›Qc pMś3O°2& Q ŅgTable 11 FHA, FSA/RHS,VA 2003 Applications orginated for home purchase loans in Houston/Harris County.'44eš?š?š?@@@e{®Gįzä?q= ×£på?Rø…ėQč?e> Rø… ÓĢĮ  dü©ńŅMbP?_*+‚€%’Įƒ„”"’ą?ą?U’T0’’’½š?@ż ~ P@ż ~ ĄP@ż ~ S@× ā< &&ģČšĄššØš( š ššp’ š “ š6æNƒMæĄM’?æš ˆ P%Zš]`$ '  ÓĢĮƒ„”"$ ą?ą?3` Ÿ Č` Ÿ Č` '$Č` '$šŠ’ @Ö3 d23 ’’ M ’’’NM4 3Q: BlackQ ;Q ;Q’’3_ O €’’’  MM<4E4 3Q: HispanicQ ;Q ;Q’’3_ O ’’’’’’  MM<4E4 3Q: WhiteQ ;Q ;Q’’3_ O €’’’  MM<4E4D$% Ū’’’ą’’’±M 3O&Q4$% Ū’’’ą’’’±M 3O&Q4FA`śą  3O_ūą  3 bļ#M! €€€ ĄĄĄO43*#M! ’’ M! ’’ M ’’’NM4% ĶR•M 3O_ż’’nk&Q (percent originated'43–" :dd–44c3±Ō śG?3O% Ū’’’ą’’’±M3OQ444% ĘN@ DMś3O¬2&Q ŠfTable 3.3 FHA, FSA/RHS,VA 2003Applications orginated for home purchase loans in Houston/Harris County.'44eee ķń>¶@  ÓĢĮ  dü©ńŅMbP?_*+‚€%’Įƒ„”"’ ą?ą? 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