Seven50 carras reg an imp fh 5 17 13
-
Upload
roar-media -
Category
Documents
-
view
410 -
download
1
description
Transcript of Seven50 carras reg an imp fh 5 17 13
Opportunity and Equity
in Southeast Florida
May 17, 2013
REGIONAL ANALYSIS OF IMPEDIMENTS TO
FAIR HOUSING
RAI
The purpose of an AI or RAI is to Affirmatively Further Fair Housing Choice (AFFH)
It is a review of impediments or barriers that affect the rights of fair housing choice
Serves as the basis for fair housing planning
Provides essential information to policy makers, administrative staff, housing providers, lenders and fair housing advocates
Assists in building public support for fair housing efforts
WHAT IS AN RAI?
IMPEDIMENTS TO FAIR HOUSING CHOICE
Any actions, omissions, or decisions which directly restrict or have the effect of restricting housing
choices or the availability of housing choices taken because of:
Race Color Religion Sex Disability Familial status
National origin
All households - regardless of race, color, ancestry, national origin, religion, sex, disability, marital status, familial status, or any other arbitrary factor - are entitled to equal access to housing opportunities.
Both federal, state and local civil rights laws define these fundamental liber ties. § The Civil Rights Act of 1968 provides specific fair housing
protections under Title VII, the Fair Housing Act.
§ The Florida Fair Housing Act reiterates federal law by declaring it illegal to discriminate in the sale, rental, advertising, financing, or brokerage of housing.
§ The Broward County Human Rights Act provides additional protections against discrimination in employment, housing and public accommodations.
CIVIL RIGHTS: UNDERSTANDING FAIR HOUSING LEGISLATION
SEFLA RAI
FHEA is quite similar to the Regional AI in scope and content.
The Regional AI includes an analysis that identifies both jurisdictional and regional impediments to fair housing choice.
Seven50 utilizes both documents in tandem Our end goal is to create a Fair Housing and Opportunities
Action Plan The Fair Housing and Opportunities Action Plan’s
strategies and actions will be implicitly reflected in all final product(s) of the Sustainable Communities Regional Planning Grant.
FHEA AND RAI
1. Regional Background ² Basic Existing Conditions Analysis at the
County and Regional Scale: ² Demographics ² Segregation ² Housing ² Poverty ² Labor and Commuting
HOMEOWNERS AND RENTERS
87%
9%
17%
75%
19%
26%
White
Black or African American
Hispanic or Latino (of any race)
Renter-occupied housing units
Owner-occupied housing units
1,517,837
751,424
COST BURDENED HOUSEHOLDS
82%
57% 61% 47%
31%
91% 89%
74%
43%
21%
Less than $20,000
$20,000 to $34,999
$35,000 to $49,999
$50,000 to $74,999
$75,000 or more
Owner-occupied Renter-occupied
A disproportionate number of renters
are minorities
Renters are more-cost burdened than
homeowners
Thus, a disproportionate
number of minorities are cost-burdened
POVERTY
13% 14%
10% 12% 12%
17%
11%
² Over 850,000 people below poverty level in the region
POVERTY AND ETHNICITY
9%
23%
16% White
Black or African American
Hispanic or Latino origin (of any race)
POVERTY AND GENDER
371,490
482,267
Male Female
31% of Single Mothers with children present are below the poverty
level
Tenancy
0%
10%
20%
30%
40%
50%
60%
70%
80%
Owner-occupied housing units
Renter-occupied housing units
Race/Ethnicity
WHO TRAVELS HOW
0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
White
Black or African American
Hispanic or Latino origin (of any race)
MODE OF TRAVEL
0% 10% 20% 30% 40% 50% 60% 70% 80%
Drive Alone
Carpool
Public Transportation
Indian River County, Florida St. Lucie County, Florida
Martin County, Florida Palm Beach County, Florida
Broward County, Florida Miami-Dade County, Florida
Monroe County, Florida 7-County SE Florida Region
25 24
27
42
Mean travel time to work
Fair Housing Legal Evaluation ² Assisted Housing Inventory ² Fair Housing Discrimination complaints
FAIR HOUSING ASSISTANCE AGENCIES WITHIN SEFLA
County Name Agency Type
N/A- State Level Federal Commission on Human Rights State Agency; Government
Palm Beach
Legal Aid Society of Palm Beach County Private
Palm Beach County Office of Equal Opportunity
Government
Broward Broward County Office of Equal Opportunity | Civil Right Division
Government
Miami
Housing Opportunities for Project Excellence, H.O.P.E Inc. Private
Miami-Dade Office of Human Rights and Fair Employment Practices (OHRFEP)
Government
EXISTING ASSISTED HOUSING INVENTORY
2,856 2,480 1,219
12,652 17,129
40,514
838
77,688 Number of Properties Total Units
Assisted Units
% Assisted
Indian River 26 2,858 2,856 99.9% St. Lucie 18 2,623 2,480 95% Martin 17 1,221 1,219 100% Palm Beach 93 13,802 12,652 92% Broward 121 21,116 17,129 81% Miami-Dade 334 42,346 40,514 96% Monroe 17 861 838 97% 7-County SE Florida Region 626 84,827 77,688 94.3%
ASSISTED HOUSING BY INCOME RESTRICTIONS
0 5000 10000 15000 20000
Indian River
St. Lucie
Martin
Palm Beach
Broward
Miami-Dade
Monroe
<=35% AMI 40-50% AMI 55-60% AMI 65-80% AMI >80% AMI
ASSISTED HOUSING TARGET POPULATIONS
Family
Elderly
Farmworker
Fisher
Homeless
Persons with Disabilities
RACE AND ETHNICITY OF ASSISTED HOUSING TENANTS
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Indian River St. Lucie Martin Palm Beach Broward Miami-Dade Monroe 7-County SE Florida Region
% Minority % Black % Hispanic
FAIR HOUSING DISCRIMINATION COMPLAINTS: 2007-2012
17%
0.3%
14%
2%
7%
11%
43%
1% 6%
RACE
COLOR
NATIONAL ORIGIN
RELIGION
SEX
FAMILIAL STATUS
DISABILITY
AGE
OTHER
FAIR HOUSING COMPLAINTS OVER THE FIVE YEAR PERIOD
0%
5%
10%
15%
20%
25%
30%
2007 2008 2009 2010 2011 2012
Basis % Rank DISABILITY 43% 1
RACE 17% 2 NATIONAL ORIGIN 14% 3 FAMILIAL STATUS 11% 4
SEX 7% 5 OTHER 6% 6
RELIGION 2% 7 AGE 1% 8
COLOR 0.3% 9
BASES FOR DISCRIMINATION COMPLAINTS
0%
10%
20%
30%
40%
50%
60%
Indian River St. Lucie Martin Palm Beach Broward Miami-Dade Monroe
DISABILITY RACE NATIONAL ORIGIN FAMILIAL STATUS
TOP FOUR BASES FOR DISCRIMINATION COMPLAINTS
OVER TIME
0
50
100
150
200
250
300
350
400
450
2007 2008 2009 2010 2011 2012
DISABILITY RACE NATIONAL ORIGIN FAMILIAL STATUS
Lending Profile ² Discriminatory Lending Practices ² Home Mortgage Disclosure Act Data
Analysis
LOAN DENIAL RATES
Overall Loan Dispositions for the Seven County Southeast Florida Region & The State of Florida
County Originated/Approved
Denied Other Total
Broward 12954 (55.87%)
5277 (22.76%)
4957 (21.38%)
23188
Indian River County
1133 (67.76%)
261 (15.61%)
278 (16.05%)
1672
Martin County 1193 (68.88%)
261 (15.07%)
278 (16.05%)
1732
Miami-Dade County
10807 (51.41%)
5390 (25.64%)
4824 (22.95%)
21,021
Monroe County 707 (59.97%)
242 (20.53%)
230 (19.51%)
1179
Palm Beach County
9765 (60.21%)
3241 (19.98%)
3213 (19.81%)
16219
St. Lucie County 2571 (61.35%)
802 (19.14%)
818 (19.52%)
4191
Florida 144931 (61.59%)
46139 (19.61%)
44259 (18.81%)
235329
The most prevalent reason for loan application denials among the counties in South Florida in is the loan applicant’s debt to income ratio
The second leading reason for loan denials in South Florida was collateral
LOAN DENIAL REASONING
LOAN DENIAL DISPARITIES BY RACE AND ETHNICITY
Loan Application Denial Disparities Across the Seven County South Florida Region By Race Applicant Race
Broward County
Disparity Indian River
County Disparity
Martin County
Disparity Miami-Dade
County Disparity
Monroe County
Disparity Palm Beach
County Disparity
St. Lucie County
Disparity Hispanic 1.15 0.88 1.89 1.08 1.15 1.38 1.2
Black or African American
1.42 0.8 2.14 1.15 0.85 1.52 1.34
Asian 1.04 N/V 0.79 1.01 0.67 1.03 1.38
Native Hawaiian or Other Pacific Islander
1.78 N/V N/V 2.16 N/V 1.27 1.24
American Indian or Alaska Native
1.27 N/V 1.78 1.01 1.17 1.59 1.64
Subprime/High Cost Loans in the Seven County Southeast Florida Region Compared to the State of Florida
County High Cost Non-High Cost or Unknown
Total
Broward County 334 (2.91%)
11148 (97.09%)
11482
Indian River County
19 (2.25%)
826 (97.75%)
845
Martin County 25 (2.73%)
891 (97.27%)
916
Miami-Dade County
410 (4.58%)
8551 (95.42%)
8961
Monroe County 5 (1.54%)
320 (98.46%)
325
Palm Beach County
201 (2.48%)
7896 (97.52%)
8097
St. Lucie County 51 (2.55%)
1950 (97.45%)
2001
Florida 4177 (3.50%)
115111 (96.50%)
119288
SUBPRIME LENDING
High Cost Loan Disparity Across the Seven County South Florida Region By Race Applicant Race
Broward County Disparity
Indian River County Disparity
Martin County Disparity
Miami-Dade County Disparity
Monroe County Disparity
Palm Beach County Disparity
St. Lucie County Disparity
American Indian or Alaska Native
No High Cost Loans
No High Cost Loans
No High Cost Loans
3.09 No High Cost Loans
2.79 No High Cost Loans
Asian 0.45 No High Cost Loans
3.73 ,78 No High Cost Loans
0.31 No High Cost Loans
Black or African American
1.64 2.5 No High Cost Loans
0.71 No High Cost Loans
1.42 1.28
Hispanic Ethnicity
1.37 0.69 No High Cost Loans
1.42 1.69 2.14 0.74
Native Hawaiian or Other Pacific Islander
1.03 Not Listed Not Listed No High Cost Loans
No High Cost Loans
No High Cost Loans
No High Cost Loans
White N/A N/A N/A N/A N/A N/A N/A
SUBPRIME LENDING DISPARITIES BY RACE AND ETHNICITY
Identified Impediments
TOP TEN IDENTIFIED IMPEDIMENTS
1. • Lack of Knowledge, Awareness of, or Education on Fair Housing Protections
2. • Fair and Equal Lending Disparities
3. • Housing/Lending Discrimination on the Basis of Race, Color, National Origin, Religion, Sex, Familial Status and Disability
4. • Shortage of Affordable Housing Opportunities
5. • Violations of Federal, State and Local Housing Laws
6. • Housing Market Segregation
7. • Predatory Lending
8. • Limited Funding to Meet Need for Affordable Housing
9. • Zoning/Land Use
10. • Improvement of the Housing Discrimination Complaint Process
WHERE ARE WE
NOW?
AFFIRMATIVELY FURTHERING FAIR HOUSING
1. Conduct an analysis to identify impediments to fair
housing choice within the jurisdiction ✔
2. Prepare a Fair Housing Strategies & Action Plan that will identify appropriate actions to overcome the effects of any impediments identified through the analysis
3. Maintain records reflecting the analysis and actions taken in this regard
1. Await HUD guidance on local jurisdictions opting in to the Regional AI.
2. Utilize datasets from Regional AI through Seven50 data warehouse and SFRPC Data Commons.
3. Review cross-jurisdictional impediments and coordinate
regional responses
LOCAL JURISDICTIONS AND RAI
37
THANK YOU!
For further information, contact James Carras
Phone: 954.415.2022
Email: [email protected] Principle Researchers
FHEA: Urban Revitalization Strategies – Rebecca Walter and Serge Atherwood
RAI: – Anna McMaster and Rasheed Shotoyo