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OC REGIONAL AREA ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE- 2000
ORANGE COUNTY REGIONAL AREA ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE 2000 ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS 11 40 E TABLE OF CONTENTS I. INTRODUCTION 4 A. Scope of the Report: Affirmatively Furthering Fair Housing/Impediments Analysis........................................................5 B. Report Format and Organization....................................................6 C. Participants in the Regional Fair Housing Impediments Analysis.8 D. Data Sources......................................................................................9 H. JURISDICTIONAL BACKGROUND DATA 11 A. Population And Housing Characteristics.......................................12 1. Population Characteristics........................................................12 At 2000 Population..................................................................................... 12 2. Population Growth Trends.........................:..............................12 3. Housing Characteristics............................................................17 a. Year 2000 Housing Supply.................................................................... 17 b. Housing Gtowth Trends......................................................................... 17 4. Vacancy Characteristics............................................................22 B. Minority And Immigrant Population Characteristics ..................25 1. Orange County Minority Population........................................25 a 1990 PopuWtion Characteristics............................................................. 25 b. Geogmphic j2isffibution ofMinority Population .................................... 26 c. Ming ri Population Projections............................................................. 28 2. Recent Legal Immigration Population Characteristics ...........30 a. Main Classes of Admission..................................................................... 30 b. California Immigration Trends. 1984-1994............................................ 31 c. Orange Co un Legal Immigration Trends. 1984-1994 .......................... 32 d. Geogmphic Distribution of Orange Countv's Legal Immigrants ............. 32 C. Employment Profile........................................................................34 I. Background................................................................................34 2. Orange County Employment Trends,1994-1998.....................34 3. Employment Estimates by City .................................................38 4. Orange County Industry Trends and Outlook, 1995-2002 ...... 38 D. Transportation Profile....................................................................42 E. Public Sector Policies......................................................................45 1. Zoning.........................................................................................45 2. Special Needs Housing...............................................................46 3. Occupancy Standards................................................................47 -Page I •:_e ZU ZITOi •1Uj MIY-11;1 ; LOINWIld4m' • i • III. LOCAL HOUSING AUTHORITY POLICIES 64 A. Background.....................................................................................65 B. Anaheim Housing Authority(AHA)..............................................66 1. Housing Counseling, Education and Outreach ........................66 2. Affirmative Marketing/Deconcentration Policies ....................67 3. Fair Housing Services................................................................67 C. Garden Grove Housing Authority.................................................67 1. Deconcentration Policies............................................................67 2. Outreach Policies.......................................................................68 3. Access to Assisted Housing........................................................68 4. Ensure Equal Opportunity in Housing for all Americans ....... 69 5. Affirmative Measures — Disabilities..........................................69 D. Santa Ana Housing Authority........................................................70 E. Orange County Housing Authority................................................71 W. OVERVIEW OF LENDER UNDERWRITING CRITERIA 73 A. Fair Housing Notices.......................................................................74 B. Overview Of Underwriting Criteria..............................................74 1. Basic Criteria.............................................................................75 2. Income, Employment and Credit History................................75 a. Income................................................................................................... 75 ILEmployment.......................................................................................... 76 o. Credit History..:..................................................................................... 76 3. Loan Limits, Loan -to -Value Ratios, Down Payments, and Savings..............................................................77 aLoan Limits........................................................................................... 77 b. Loan -to -Value Ratios............................................................................. 78 o. Downpayments and Savings................................................................... 78 4. Debt -to -Income Ratios...............................................................79 5. Mortgage Insurance Requirements..........................................79 6. Appraisal Requirements............................................................80 7. Comparison with Lenders' Criteria..........................................81 V. 'COMMUNITY REINVESTMENT AND HOME MORTGAGE DISCLOSURE ACTS 82 A. The Community Reinvestment Act................................................83 B. The Home Mortgage Disclosure Act..............................................84 -Page 11 1. Background................................................................................84 • 2. Disposition of Loan Applications .............................. :.......... .....84 VI. MORTGAGE LENDING DISCRIMINATION STUDIES 86 A. Evidence On Mortgage Lending Discrimination ..........................87 B. Forms Of Discrimination................................................................89 C. Results Of Testing...........................................................................91 D.. Use Of HMDA Data........................................................................92 VII. HMDA DATA ANALYSIS 93 A. Background................................f....................................................94 B. HMDA Data Analysis.....................................................................96 C. Loan Denial Rates For White And Minority Populations ............98 VIII. REGIONAL FAIR HOUSING PROGRAMS 102 A. Background...................................................................................103 B. Fair Housing Enforcement..........................................................4103 • 1: Program Structure...................................................................103 2. Program Process......................................................................104 3. Process Objectivity and Fairness............................................106 4. Fair Housing ftQrting Requirements ..................................106 S. Court PP*, MiU4fiq q 9fR1q;0mlilittion................................107 6. Information & E'ducationa rograms....................................107 7. Program Effectiveness.............................................................108 8. Community Conflict................................................................108 C. Findings And Recommendations.................................................109 -Page III •. LISTS Technical Appendices, Charts, Exhibits, Tables 9. LIST OF TECHNICAL APPENDICES Technical Appendix A - Orange County Minority Population by Census Tract Technical Appendix B - Recent Legal Immigration to Orange County by City Technical Appendix C - Orange County Employment Data Technical Appendix D - Lending Policies and Practices: An Update of Underwriting Criteria from State Department of Real Estate Publications Technical Appendix E - FFIEC Home Mortgage Disclosure Act (11MDA) Aggregate Reports Technical Appendix F - Home Mortgage Disclosure Act (HMDA) Data: Overview of HMDA Data and Loan Denial Rates Technical Appendix G - HMDA Data for Entitlement Cities Technical Appendix H - HMDA Data for the Urban County i Technical AppgadiLI -1999 Federal Financial Intuitions Examination Council (FFIEC) Census Report Population Information by Census Tract for Oranage County, CA Technical Appendix J - FFIEC Definitions of Census Information Technical AVRgadiLK - 1999 FFIEC Census Report Income Information by Census Tract Technical Appendix L - 1999 FFIEC Census Report Summary Census Demographic Information by Census Trac Technical Appendix M - 1999 FFIEC Census Report Housing Information By Census Tract Technical Appendix N - Orange County HMDA Data by Race and Type of Loan Technical Appendix O - Fair Housing Enforcement Technical Appendix P -Maps Technical Appendix O - Fair Housing Council of Orange County Data and Information -Page 1 lJ LIST OF CHARTS Chart 1: Payroll Jobs and Industry Definitions............ Chart 2: Housing / Low Income / HUD .............................. Chart 3: Housing / Assistance / Tenant Rights / Etc...... ....................................... 35 ....................................... 48 Chart 4: Housing / Shared Housing Programs ...................................... ...............52 62 Chart 5: Fair.Housing Council of Orange County Discrimination Complaint Process ...... 105 Exhibit1: Census Tract Boundaries................................................................................... 27 Exhibit 2: O.C. Register Article - August, 25, 2000............................................................ 44 Exhibit 3: O.C. Register Article - August, 25, 2000........................................................101.1 -Page 2 E LIST OF TABLES Regional Fair Housing Impediments Analysis Table 1: Entitlement Cities: Year 2000 Population Estimates by City .................................13 Table 2: Urban County: Year 2000 Population Estimates by City ......................................14 Table 3:Entitlement Cities: Population Growth-1990-2000...............................................15 Table 4: Urban County: Population Growth-1999-2000....................................................16 Table 5: Entitlement Cities: Year 2000 Housing Estimate by City......................................18 Table 6: Urban County: Year 2000 Housing estimate by City .............................................19 Table 7: Entitlement Cities: Housing Supply Growth-1990-2000..................................... 20 Table 8: Urban County: Housing Supply Growth - 1990-2000........................................... 21 Table 9: Entitlement Cities: Vacancy Status by City - 1998................................................ 23 Table 10: Urban County: Vacancy Status by City - 1998.................................................... 24 Table 11: Orange County Change in Ethnicity - 1990-2040................................................ 29 Table 12: Grange County Wage and Salary Employment - 1998 (Annual Average) ........... 36 Table 13: Orange County's Top 25 Employers................................................................... 37 Table 14: Entitlement Cities: 1997 Employment ................ Table 15: Urban County Cities: 1997 Employment ......... 39 m Table 16: Comparison of Loan Denial Rates By Race and Type of Loan ..........................100 Table 17: % Denied By Minority Compared to % Denied White 199411999 Data ............101 -Page 3 L INTRODUCTION ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS M A. SCOPE OF THE REPORT: AFFIRMATIVELY FURTHERING FAIR HOUSING/IMPEDIMENTS ANALYSIS In order to receive the annual Community Development Block Grant (CDBG) funds, the entitlement cities and County of Orange have certified to the U.S. Department of Housing and Urban Development (HUD) that the CDBG programs will be administered in compliance with Title VIII of the Civil Rights Act of 1968, as amended, and that they will affirmatively further fair housing. The Civil Rights Act of 1968, as amended, states that it is a violation for a housing provider to refuse to rent or sell a home to any person based upon race, color, religion, sex, handicap, familial status or national origin. The Code of Federal Regulations (CFR) governing the CDBG Program requires that entitlement jurisdictions prepare an assessment of impediments to providing fair housing choice within their jurisdiction (CFR 570.904 [c][1]). "Fair housing choice" means the ability ofpersons ofsimilar income levels regardless of race, color, religion, sex, national origin, handicap and familial status to have available to them the same housing choices. This Report, which is a revision and update of the 1996 Regional Fair Housing Assessment, has the • purpose of furthering fair housing opportunities. HUD defines affirmatively furthering fair housing as requiring a CDBG grantee to: ❑ Conduct an analysis to identify impediments to fair housing choice within the jurisdiction. ❑ Take appropriate actions to overcome the effects of any impediments identified through the analysis. ❑ Maintain records reflecting the analysis and actions taken in this regard. HUD interprets these broad objectives to mean: ❑ Analyze and eliminate housing discrimination in the jurisdiction. ❑ Promote fair housing choice for all persons. ❑ Provide opportunities for racially and ethnically inclusive patterns of housing occupancy. ❑ Promote housing that is physically accessible to and usable by, all persons, and particularly persons with disabilities. o Foster compliance with the nondiscrimination provisions of the Fair Housing Act. -Page 5- B. REPORT FORMAT AND This Report provides information for use in Orange County's Regional Fair Housing Impediments Analysis (IA). It includes most of the data that HUD suggests should be in an IA. More specifically, the Report includes the following information in both a narrative statement and 13 technical appendices. ❑ Jurisdictional Background Data: population and housing characteristics, minority and legal immigrant population characteristics, and employment and transportation profiles. ❑ Local Housing Authorities' Policies: overview of local housing authorities' plans, polices and procedures pertaining to and furthering fair housing. ❑ Overview of Lender Loan' Underwriting Criteria: loan -underwriting criteria are explained for Fannie Mae, Freddie Mac, FHA and VA. ❑ Community Reinvestment Act (CRA) and Home Mortgage Disclosure Act (HMDA): summary explanation of the basic requirements of these two statutes. 9 ❑ 'Mortgage Lending Discrimination: summary statements from major studies completed on the subject of potential and actual mortgage lending discrimination. ❑ HMDA Data Analysis: analysis of the disposition of loans by census tract for entitlement cities and Urban County jurisdictions. An additional purpose of this Report is to provide a resource and database to enable the cities and County to analyze and interpret the information unique to their communities. Consequently, 13 Technical Appendices are included as apart of the Report, many of which contain detailed data at the census tract level. The Appendices are listed below: ❑ Technical Appendix A -Orange County Minority Population by Census Tract ❑ Technical Appendix B — Recent Legal Immigration to Orange County by City, 1990-96 ❑ Technical Appendix C — Orange County Employment Data ❑ Technical Appendix D — Lending Policies and Practices: An Update of Underwriting Criteria from State Department of Real Estate Publications -Page 6- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS ❑ Technical Appendix E — FFIEC Home Mortgage Disclosure Act ORYIDA) Aggregate Reports • ❑ Technical Appendix F — Home Mortgage Disclosure Act (I3MDA) Data: Overview of HMDA Data and Loan Denial Rates ❑ Technical Appendix G 4IMDA Data for Entitlement Cities ❑ Technical Appendix H 4Rv1DA Data for the Urban County ❑ Technical Appendix I — 1999 Federal Financial Institutions Examination Council (FFIEC) Census Report Population Information by Census Tract for Orange County, CA ❑ Technical Appendix J— FFIEC Definitions of Census Information ❑ Technical Appendix K — 1999 FFIEC Census Report Income Information by Census Tract ❑ Technical Appendix L — 1999 FFIEC Census Report Summary Census Tract Demographic Information by Census Tract ❑ Technical Appendix M — 1999 FFIEC Census Report Housing Census Information by Census Tract • ❑ Technical Appendix N — Orange County HMDA Data by Race and Type of Loan ❑ Technical Appendix 0 — Fair Housing Enforcement ❑ Technical Appendix P — Maps ❑ Technical Appendix Q — Fair Housing Council of Orange County Data & Information -Page 7- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS C. PARTICIPANTS IN THE REGIONAL FAIR HOUSING IIVIPEDIlVIENTS ANALYSIS •' Participants in the Regional Fair Housing Impediments Analysis include the entitlement cities of: Anaheim Buena Park Costa Mesa Fountain Valley Fullerton Garden Grove Huntington Beach Irvine La Habra Orange Santa Ana Tustin Westminster Additional participants include the Urban County, which is comprised of unincorporated Orange County and the following cities: Brea • Cypress Dana Point La Palma Laguna Beach Laguna Hills Laguna. Woods Los Alamitos Midway City Placentia Rancho Santa Margarita San Clemente San Juan Capistrano Seal Beach Stanton Villa, Park Yorba Linda i -Page 8- D. DATA • The following reports, publications and data sources were consulted to prepare this Draft Report: Bank of America Market Research and Planning, Economic Outlook: Mid -year Report for Southern California, 1999.7 pgs. California Department of Finance, Demographic Research Unit, 2000 Population and Housing Estimates for Orange County by City, May 2000. , California Department of Finance, Demographic Research Unit, December 1998. California Department of Finance, Demographic Research Unit, Legal Immigration to California, 1984-1994: A Summar January 1997. 19 pgs. California Department of Finance, Demographic Research Unit, Legal Immigration to California by County, 1990-95, November 1996, 3 pgs. California Department of Finance, Demographic Research Unit, Legal Immigration to California in Federal Fiscal Year (FYY) 1994: A Synopsis in Tables, January 1996. 14 pgs. California Department of Finance, Demographic Research Unit, Recent Legal • Immigration to Orange County by City, 1990-1996. 3 tables. Source: Data tapes of Immigration and Naturalization Service, U.S. Department of Justice, for Federal Fiscal Years 1990-1996. California Department of Finance, Demographic Research Unit, Refugee Immigration to California 1990-94: A Summary in Tables, January 1996. 11 pgs. California Employment Development Department, Employment Estimates for Orange County, 1992 to 1998, 5 pgs. California Employment Development Division, Labor Market Information Division, The State of the State's Labor Markets, June 1999.47 pgs. plus technical appendices. California Employment Development Department, Labor Market Information Division, Industry Trends and Outlook 1995-2002 Orange County, 1998.6pgs. California Research Bureau of the California State Library and the Demographic Research Unit of the California Department of Finance, Migration Between California and Other States: 1985-1994, Hans P. Johnson and Richard Lovelady, Principal Authors. November 1995.45 pgs. Federal Financial Institutions Examination Council, Census Demographic Information . Used for CRA Aggregate and Disclosure Reports, 1999. -Page 9- Federal Financial Institutions Examination Council, HMDA Aggregate Reports for Orange County By Census Tract. Table 1: Disposition of Loan Applications, By • Location of Property and Type of Loan, 1998. Randall M. Scheessele, 1998 HMDA Highlights, U.S. Department of Housing and Urban Development, July 1998, 37 pgs. Southern California Association of Governments, Draft Regional Housing Needs Assessment, October 1999. The Urban Institute, A National Report Card on Discrimination in America: The Role of Testing, March 1999. Edited by Michael Fix and Margery Austin Turner. The Urban Institute, The Home Front: Implications of Welfare Reform for Housing Policy, 1999. Edited by Sandra J. Newman. The Urban Institute, Mortgage Lending Discrimination: A Review of Existing Evidence, September 1999. Edited by Margery Austin Turner and Felicity Skidmore. The Urban Institute, Section 8 Mobility and Neighborhood Health — Emerging Issues and Policy Challenges, April 2000. Edited by Margery Austin Turner, Susan Popkin, and Mary Cunningham. • U.S. Bureau of the Census, 1990 Census of Population and Housing. r U.S. Department of Housing and Urban Development, Office of Fair Housing and Equal Opportunity, Fair Housing Planning Guide, various pages. -Page 10- II. JURISDICTIONAL BACKGROUND DATA TION AND HOUSING 1. Population Characteristics a. 2000 Population As shown in Table 1, the 2000 population of the entitlement cities is more than 1.9 million persons. Two cities have a population greater than 300,000 — Santa Ana and Anaheim. None of the cities have a population between 200,000 and 300,000. Two cities have a population between 150,000 and 200,000 — Huntington Beach and Garden Grove. As reported in Table 2, the 2000 population of the Urban County (Laguna Woods and Rancho Santa Margarita are included in the unincorporated total) is about 660,000. The unincorporated area has about one-third of the population. Two cities have a population of more than 50,000 — Yorba Linda and Placentia. 2. Population Growth Trends Is Between the April 1990 Census and January 1, 2000, the entitlement cities added 231,842 persons to their population -- nearly 14%. During this 9.75-year period, about 23,800 • persons were added per year. Please refer to Table 3. The cities of Anaheim and Irvine experienced the largest numerical population gains. In rank order, the highest growth rates were experienced in Tustin, Irvine, Orange and Anaheim. The incorporated cities comprising the Urban County also experienced an increase in population during the same 9.75-year period. The 13 Urban County cities for which year 2000 data was available increased by 62,657 or about 16.6%. However, unincorporated Orange County, actually had a reduction in population due to incorporations (e.g. Laguna Hills and Lake Forest) and annexations into incorporated cities. In rank order, the cities with the largest population growth between 1990-2000 were Yorba Linda, San Clemente and Placentia. -Page 12- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS 0 0 0 Table 1 Regional Fair Housing Impediments Analysis Entitlement Cities: Year 2000 Population Estimates by City Group Persons Per City Total Household Quarters Household Anaheim 310,654 306,334 4320 3.261 Buena Park 77,267 76,853 414 3.325 Costa Mesa 106,607 104,775 1832 2.724 Fountain Valley 56,919 56,608 311 3.214 Fullerton 128,255 125,955 2300 2,960 Garden Grove 158,332 156,272 2060 3.451 Huntington Beach 199,326 198,482 844 2.753 Irvine 144,557 139,993 4564 2.886 La Habra 56,833 56,531 302 3.043 Newport Beach 75,627 74,906 721 2.252 Orange 129,399 125,483 3916 3.115 Santa Ana 317,685 310,186 7505 4.332 Tustin 68,316 67,816 500 2.940 Westminster 87,637 87,272 365 3.351 Total 1,917,414 1,887,460 29,954 Source: State of California, Department of Finance, Demographic Research Unit, City and County Summary Report of Population and Housing -- Report E-5, January 1, 2000. Table construction by Castaneda & Associates. -Page 13- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS Table 2 Regional Fair Housing Impediments Analysis Urban County: Year 2000 Population Estimates by City Group Persons Per City Total Household Quarters Household Brea 36,967 36,858 109 2.877 Cypress 49,031 48,928 103 3.186 Dana Point 37,976 37,566 410 2.745 Laguna Beach 25,282 25,115 167 2.208 Laguna Hills 31,017 30,374 643 3.077 Laguna Woods No Data Available La Palma 16,537 16,535 2 3.342 Los Alamitos 12,129 11,736 393 2.842 Placentia 50,179 49,882 297 3.294 Rancho Santa Margarita No Data Available San Clemente 50,302 50,211 91 2.697 Seal Beach 27,412 27,191 221 2.034 Stanton 34,347 33,902 445 3.148 Villa Park 6,782 6,780 2 3.388 Yorba Linda 63,112 63,048 64 3.304 • Unincorporated 218,821 214,926 3,895 2.602 Total 659,894 653,052 6,842 Source: State of California, Department of Finance, Demographic Research Unit, City and County Summary Report of Population and Housing -- Report E-5, January 1, 2000. Table construction by Castaneda & Associates. Ll -Page 14- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS Table 3 Regional Fair Housing Impediments Analysis .. Entitlement Cities: Population Growth-1990-2000 Numerical % Entitlement Cities 1990 2000 Change Change Anaheim 266,406 310,654 44,248- 16.6% Buena Park 68,784 77,267 8,483 12.3% Costa Mesa 96,357 106,607 10,250 10.6% Fountain Valley 53,691 56,919 3,228 6.0% Fullerton 114,144 128,255 14,111 12.4% Garden Grove 142,965 158,332 15,367 10.7% Huntington Beach 181,519 199,326 17,807 9.8% Irvine 110,330 144,557 34,227 31.0% La Habra 51,266 56,833 5,567 10.9% Newport Beach 66,643 75,627 8,984 13.5% Orange 110,658 129,399 18,741 16.9% Santa Ana 293,827 317,685 23,858 8.1% Tustin 50,689 68,316 17,627 34.8% • Westminster 78,293 87,637 • 9,344 11.9% Total 1,685,572 . 1,917,414 231,842 13.8% Source: State of California, Department of Finance, Demographic Research Unit, City and County Summary Report of Population and Housing -- Report E-5, April 1, 1990. State of California, Department of Finance, Demographic Research Unit, City and Coun Summary Report of Population and Housing -- Report E-5, January 1, 2000. Table construction by Castafieda & Associates. -Page 15- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS Table 4 • Regional Fair Housing Impediments Analysis Population Growth - 1990-2000 , Urban County: Urban Numerical % County 1990 2000 Change Change Brea 32,873 36,967 4,094 12.5% Cypress 42,655 49,031 6,376 14.9% Dana Point 31,896 37,976 6,080 19.1% Laguna Beach 23,170 25,282 2,112 9.1% Laguna Hills* 24,085 31,017 6,932 28.8% Laguna Woods NA NA -- -- La Palma 15,392 16,537 1,145 7.4% Los Alamitos 11,676 12,129 453 3.9% Placentia 41,259 50,179 8,920 21.6% R. Santa Margarita NA NA -- - San Clemente 41,100 50,302 9,202 22.4% Seal Beach 25,098 27,412 2,314 9.2% Stanton 36,491 34,347 3,856 12.6% • Villa Park 6,299 6,782 483 7.7% Yorba Linda 52,422 63,112 10,690 20.4% Unincorporated 227,425 218,821 -8,604 -% Total 605,841 659,894 54,053 8.9% Source: State of California, Department of Finance, Demographic Research Unit, City and County Summary Report of Population and Housing,— Report E-5 April 1, 1990. State of California, Department of Finance, Demographic Research Unit, City and County Summary Report of Population and Housing -- Report E-5, January 1, 2000. Table construction by Castaneda & Associates. 11 -Page 16- 3. 0. a. Year 2000 Housing Supply OR As of January 2000, the housing supply of the entitlement cities was almost 627,000 housing units. The City of Anaheim had a housing stock of almost 100,000 units. The cities of Huntington Beach and Santa Ana each had a housing supply of about 75,000 units. The Urban County's housing supply was almost 251,000 housing •units. The cities with the largest housing stocks were San Clemente and Yorba Linda with just over 20,000 dwelling units. b. Housing Growth Trends The total housing supply growth for the entitlement cities was 37,184 (6.3%) between the April 1990 Census and January 1, 2000. The'largest numerical increases in housing growth occurred in the cities of Irvine, Anaheim, Tustin and Orange. During the 9.75-year period, the entitlement cities added nearly 4,000 new units per year. The Urban County cities added nearly 1,300 new housing units per year. Yorba Linda and San Clemente each experienced gains of more than 2,000 housing units. Unincorporated Orange County lost housing units due to incorporations and annexations during the past decade. -Page 17- • Table 5 Regional Fair Housing Impediments Analysis Entitlement Cities: Year 2000 Housing Estimate by City Mobile Mobile City SFD SFA 2-4 Units 5+. Units Homes Total Vacant Anaheim 42,992 6,692 9,984 36,185 4,086 99,939 6.00 Buena Park 14,072 1,705 1,434 6,614 317 24,142 4.27 Costa Mesa 15,452 3,800 5,933 14,170 1,303 40,658 5.41 Fountain Valley 12,386 2,116 462 2,852 -416 18,232 3.40 Fullerton 22,375 3,880 3,635 14,036 790 44,716 4.85 Garden Grove 25,824 3,952 3,470 11,560 1,947 46,753 3.15 Huntington Beach 37,053 9,587 9,576 16,732 3,200 76,148 5.30 Irvine 20,191 12,626 3,084 14,307 1,000 51,208 5.27 La Habra 9,997 1,540 1,412 5,439 765 19,153 2:99 Newport Beach 15,645 6,102 5,743 9,130 947 37,567 11.48 Orange 23,696 4,222 5,114 7,378 1,214 41,624 3.23 Santa Ana 33,056 6,169 7,094 24,806 3,830 74,955 4.48 Tustin 7,836 2,699 3,076 10,548 702 24,861 7.21 Westminster 14,959 2,035 2,001 4,929 2,922 26,846 3.00 • Total 295,534 67,125 . 62,018 1760686 23,479 626,802 5.2% 0 Source: State of California, Department of Finance, Demographic Research Unit, City and CountX Summary Report of Population and Housing_EMrt E-5' January 1, 2000. Table construction by Castadeda & Associates. -Page 18- 0 • Table 6 Regional Fair Housing Impediments Analysis Urban County: Year 2000 Housing Estimate by City Mobile City SFD SFA 2-4 Units 5+ Units Homes Total Vacant Brea Cypress Dana Point Laguna Beach Laguna Hills* Laguna Woods La Palma Los Alamitos Placentia Rancho Santa Margarita San Clemente Seal Beach Stanton Villa Park Yorba Linda Unincorporated Total 7,433 779 504. 3,645 894 13,255 3.36 9,876 2,383 535 2,659 373 15,826 2.96 7,617 2,290 2,810 2,813 271 15,801 13.39 7,949 659 1,824 2,297 451 13,180 13.69 5,958 2,122 471 1,803 224 10,578 6.69 No Data Available 3,643 366 82 978 3 5,072 2.44 1,987 363 991 1,084 166 4,541 9.07 9,209 1,967 995 21843 541 15,515 2.65 No Data Available 10,898 2,155 4,036 3,360 423 20,872 10.81 4,401 1,237 1,272 7,372 128 14,410 7.24. 2,892 1,711 1,088 4,128 1,421 11,240 4.17 2,041 11 1 8 1 2,062 2.96 15,391 2,080 573 1,379 302 19,725 3.27 46,62110,803 6,079 24,521 768 88,792 6.97 135,916 28,926 21,261 58,890 5,966 250,959 6.8% Source: State of California, Department of Finance, Demographic Research Unit, City and County Summary Report of Population and Housing -- Report E-5, January 1, 2000. Table construction by Castafteda & Associates. *Original 1992 estimate may not be accurate. -Page 19- ORANGE COUNTY • REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS Table 7 Regional Fair Housing Impediments Analysis Entitlement Cities: Housing Supply Growth-1990-2000 Numerical % Entitlement Cities 1990 2000 Change Change Anaheim 93,177 99,939 6,762 7.3% Buena Park 23,200 24,142 942 4.1% Costa Mesa 39,611 40,658 1,047 2.6% Fountain Valley 18,019 18,232 213 1.2% Fullerton 42,956 44,716 1,760 4.1% Garden Grove 45,957 46,753 796 1.7% Huntington Beach 72,736 76,148 3,412 4.7% Irvine 42,221 51,208 8,987 21.3% La Habra 18,670 19,153 483 2.6% Newport Beach 34,861 37,567 2,706 7.8% Orange 38,018 41,624 3,606 9.5% Santa Ana 75,000 74,955 -45 - % • Tustin 19,300 24,861 5,561 28.8% Westminster 25,892 26,846 _ 954 3.7% Total 589,618 626,802 37,184 6.3% Source: State of California, Department of Finance, Demographic Research Unit, Cityand County Summary Report of Population and Housing -- Report E-5, April 1, 1990. State of California, Department of Finance, Demographic Research Unit, City and County Summary Report of Population and Housing -- Report E-51 January 1, 2000. Table construction by Castaneda & Associates. -Page 20- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • Table 8 Regional Fair Housing Impediments Analysis Urban County: Housing Supply Growth-1990-2000 Numerical % Urban County 1990 2000 Change Change Brea Cypress Dana Point Laguna Beach Laguna Hills* Laguna Woods La Palma Los Alamitos Placentia R. Santa Margarita San Clemente Seal Beach Stanton Villa Park Yorba Linda Unincorporated Total 12,648 13,255 607 4.8% 14,715 15,826 1,111 7.6% 14,666 15,801 1,135 7.7% 12,846 13,180 334 2.6% 8,432 10,578 2,146 25.5% NA NA -- -% 4,935 5,072 137 2.8% 4,279 4,541 262 6.1% 13,733 15,515 1,782 13.0% NA NA -% 18,726 20,872 2,146 11.5% 14,407 14,410 3 .02% 10,755 11,240 485 4.5% 1,966 2,062 96 4.9% 17,341 19,725 2,384 13.7% 95,327 88,792 -6,535 -% 244,776 250,909 6,133 2.5% Source: State of California, Department of Finance, Demographic Research Unit, City and County Summary Report of Population and Housing -- Report E-5, April 1, 1990, State of California, Department of Finance, Demographic Research Unit, City and County Summary Report of Population and Housing -- Report E-5, January 1, 2000. *1992 estimate; City was incorporated after the April 1990 Census. NA included in unincorporated total. Original estimate may not be accurate. Table construction by Castafteda & Associates. -Page 21- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS 4. Vacancy Characteristics • As of January 1, 2000, the entitlement cities had an overall vacancy rate of 5.2%. The vacancy rates ranged from a low of 2.99% in La Habra to a high of 11.48% in Newport Beach. On the other hand, the Urban County cities had a vacancy rate more than 1.5% higher at 6.8%. Several cities in the Urban County have higher than average vacancy rates because the stock includes many second homes and vacation homes. Both Laguna Beach and Dana Point had vacancy rates approaching 14%, while San Clemente was nearly 11%. The lowest vacancy rates in the Urban County cities were in La Palma (2.44%) and Villa Park (2.96%). The Southern California Association of Governments (SCAG) prepared an analysis of "ideal vacancies" based on 1998 housing and population data. These data are presented in Tables 9 and 10. Based on 1998 vacant housing data, the number of "ideal' vacant housing units was computed for both single family and multi -family dwelling units. From these calculations SCAG determined whether there was surplus or deficit in vacant units when compared to the "ideal' number of vacant units. Although there was a surplus of over 1,000 vacant units for the entitlement cities, this is not a true area -wide indicator because the City of Anaheim alone had a • surplus of 998 vacant units. Six of the entitlement cities actually had a vacant unit deficit. 0 With respect to the Urban County cities and unincorporated Orange County, the SCAG data indicates that there is a surplus of 1,662 vacant housing units. The largest vacancy surpluses existed in Dana Point and unincorporated Orange County. -Page 22- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS . Table 9 Regional Fair Housing Impediments Analysis Entitlement Cities: Vacancy Status by City-1998 1998 Ideal Ideal Housing % % Vacancy Vacancy Surplus/ Units Vacant SF MF SF MF Deficit Anaheim 98,852 4,859 49.38% 50.62% 721 3,140 998 Buena Park 23,760 837 64.79% 35.21% 228 525 84 Costa Mesa 40,555 1,761 47.22% 52.78% 283 1,343 135 Fountain Valley 18,185 498 79.60% 20.40% 214 233 51 Fullerton 44,492 1,734 58.54% 41.46% 385 1,157 192 Garden Grove 46,520 1,067 63.51% 36.49% 437 1,065 (435) Huntington Beach 75,024 2,738 60.77% 39.23% 674 1,847 217 Irvine 47,851 1,759 63.37% 36.63% 448 1,100 211 La Habra 18,962 455 59.84% 40.16% 168 478 (191) Newport Beach 36,807 2,000 57.35% 42.65% 312 985 703 Orange 41,018 879 66.79% 33.21% 405 855 (381) Santa Ana 74,910 2,566 52.27% 47.73% 579 2,243 (256) Tustin 23,802 964 40.72% 59.28% 143 885 (64) Westminster 26,522 603 62.85% 37.15% 246 618 (261) 0• Total 617,260 22,720 5,243 16,474 1,003 Source: Southern California Association of Governments. Draft Regional Housing Needs Assessment, October 1999. Table construction by Castafteda & Associates. lJ -Page 23- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS Table 10 Urban County: Vacancy Status by City -1998 1998 Ideal Ideal Housing Vacant % % Vacancy Vacancy Surplus/ City Units Units SF MF SF MF Deficit Brea Cypress Dana Point La Palma Laguna Beach Laguna Hills Laguna Woods Los Alamitos Placentia R.Santa Margarita San Clemente Seal Beach Stanton Villa Park Yorba Linda Unincorporated 13,134 305 62.40% 37.60% 121 310 (126) 15,793 315 77.43% 22.57% 181 224 (90) 15,678 1,216 62.72% 37.28% 145 367 704 5,005 100 79.46% 20.54% 59 65 (24) 13,049 652 65.02% 34.98% 125 286 241 10,571 480 76.37% 23.63% 119 157 204 No Data Available 0 4,527 305 51.87% 48.13% 35 137 133 14,911 328 70.66% 29.34% 156 275 (103) No Data Available 0 20,430 1,043 61.77% 38.23% 186 490 367 14,422 425 39.02% 60.98% 83 552 (210) 11,169 394 40.58% 59.42% 67 416 (89) 2,032 45 99.51% 0.49% 30 1 14 19,221 436 88.75% 11.25% 252 136 48 80,799 3,117 65.68% 34.32% 784 1,740 593 Total 240,741 9,161 2,343 5,156 1,662 Source: Southern California Association of Governments, Draft Regional Housing Needs Assessment, October 1999. Table construction by Castafteda & Associates. `J -Page 24- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS B. MINORITY AND IMMIGRANT POPULATION CHARACTERISTICS 1. Orange County Minority Population a. 1990 Population Characteristics Orange County's 1990 population, according to the Federal census, was estimated to be almost 2.5 million persons. An estimated 35% of the County's total population was a member of a minority population group. The Federal Department of Transportation and Office of Management and Budget both define the minority populations as: Black:a person having origins in any of the black racial groups of Africa. Hispanic: a person of Mexican, Puerto Rican, Cuban, Central or South American, or other Spanish culture or origin, regardless of race. Asian American: a person having origins in any of the original peoples of the Far East, Southeast Asia, the Indian subcontinent, or the Pacific Islands. American Indian and Alaskan Native: a person having origins in any of the • original peoples of the North America, and who maintains cultural identification through tribal affiliation or community recognition. The Hispanic population represents almost one-fourth of the County s total population. The estimated number and %age of minority group population per the 1990 Federal census is listed below: Minority . Population Number %age of Group of Persons County Total Black 39,393 1.6% Hispanic 567,758 23.0% Asian 244,982 9.9% Native 8,761 .4% Other 2,747 .1% -Page 25- b. • Technical Appendix A shows the minority population by group for each census tract in Orange County. There are seven census tracts that have a Hispanic population %age greater than 90%. There are four census tracts with a Black population %age of 14% or more. There are 11 census tracts with an Asian population %age of 30% or more. These census tracts are identified in the following three lists. Listing of Census Tracts with 90%+ Hispanic Population Census Tract % Hispanic 749.02 96% 740.03. 93% 749.01 93% 743.00 93% 748.05 91 % 748.06 91% 746.02 90% • These seven census tracts are located in the City of Santa Ana. Exhibit I on the next page shows the boundaries of Orange County's 1990 census tracts. Listing of Census Tracts with 14%+ Black Population Census Tract Black % 525.15 23% 525.01 18% 995.02 16% 524.04 14% Two census tracts are located in the City of Irvine; one census tract is located in the cities of Irvine, Tustin and Santa Ana; and one census tract is located in Seal Beach. Three census tracts consist of the Tustin Marine Corps Air Station, El Toro Marine Corps Air Station and the Seal Beach Naval Weapons Station. -Page 26- 82404 11.01 14.01 g $ rr rangeCo {.lnty r g ' 11. t200 1a02 Ot 21415 Census Tracts 1101 13. 13.03 14.04 1803 1S01 210.14 1705 { 17.03 1605 117. 17.1 - f:$1'��'%„r',v„':Y%:-rt'•' 140 117.09 n• tn.1a 1 z1 .. ., 14oz 21402 vex='F' a•.bu'i�"".r;"-.mot ,f-ut„+?�o- 77040{ 8 17.61 17.1 21410 11401 117.13 21478 418 7.12 �•'3 ' " 110.00 117.18 {11502 10403 a taro 21411 210.1 0. 10 .;"£ 1108.ro 117.19 �'-� g -�b--"!`nti 11402 '�-•�`�5g ' � NT 11T.11 2f0.13 219 ' �<'{�� 110302 110/.0, o' 8a7.01 BB401 4. 884.04 g 27 219.11 1101.78 t,K� 70j /103.04 7104ro 8' 88402 a8402 0� eg B61A6 2 219.04 470 Ot �� y6� 110201 '` 884ro S �i• 62ro 873ro BB3. � 103 91 4,01 7� 871.04 R97 .�^1��-� to,.tz t1o1.09 g a 877.oi • 974 oz 893.pe 7610/ 7a409 641 219.12 101 1101.14 t10203 g o $$ ? a7a01 r 6�'ro 760.10 Sl3.0/ S o 6 78704 81 1101.73 m m m ttao.tt 87D.01 m' o 002 M03 a n 219.1 219.09 QQ 741.01 �M 1100.13 1100.10 c 879.02 a S g 75& 100. S8S 581.04 881.08 88203 863.02 6- ? 7a4a7 1100.03 o � MOD o-r ttro t2 OD. 11 am 861.06 881.07 6a7.01 S 88402 4d ^ De q" 75401 780.06 Ot 760.08 oa g 3¢ of W7.02 it 891.01 7a1.04 783ro 84.0 757.01 .03 Q8 - & 3 - Ui 888.02 890.02 891.02 02 8 ao. 7a7.02 g 994a3 8 ae9.ro S 'a 994021• 44. .03 78402 99401 997.01 a69.04 764 44. 7183 7a308 624.12 M 40. 9W.02 Fj �. 3 y 992a, � i. 84 44 qa{ 1{ a40a 987.03 � � � M 89202 4°' 764 03 47.01 219 9B De 8 s .1 � � 99A08 994.10 994.08 Wl.it 90241 98242 ���11 �� 7i g• TN.Ot F F 42 744.03 625.02 625M .17 = � 984.02 3 $ �7 8�1 � 9922a 741.04 741.0a ? �r 710.ro � 524.14 �'� .�. y X 994.15 894.13 tl 7i 7i 741.0T 83D.m p3 S 525.01 n az4.os 525.15 8 9940e of S ��17 8 x mzu .,� 9921E '� i7i lit87570 0905 8 a38A2 a34a 1f a731a aa13 M12 a24 a2a.17 04 14 S y0t 78 S ❑ CeasosTracts (1990) . p�.y 1N for for Dano�C nemewch t! 11 califeOla sil 46a IIniversh'� Favecbon j"e j9% 4 32D.11 3=28 i 23 72 42321 423.11 �O 42203 423 42&1 4220 4220, 421.05 421.09 t. 421.10 3=4 m ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS Listing of Census Tracts with 30%+ Asian Population 889.04 46% 889.05 43% 889.03 41% 888.01 39% 1101.16 39% 1106.05 36% 17.03 34% 1101.15 31% 890.01 31% 889.01 30% 992.03 30% These 11 census tracts are located in Westminster (2); Garden Grove (4); La Palma (2); Fullerton (1); La Habra (1); and Santa Ana (2). There is one census tract split between Garden Grove and Santa Ana. R. Minority Population Projections The State Department of Finance has prepared population projections for racial and ethnic population groups for each county in California. The Orange County projections are shown in Table 11. During the half -century between 1990 and 2040, the County's population is projected to increase from 2.4 million to almost 4.1 million. The Hispanic population is projected to increase by 241% during the same half -century time period, increasing from 570,500 to 1,948,000 million persons. By 2040, the Hispanic population is projected to comprise almost one of every two persons calling Orange County home. During the 50-years between 1990 and 2040, the Asian/Pacific Islander population is projected to increase by almost 700,000 persons. The Black population is projected to increase from 39,400 to 66,500 persons. The American Indian population is projected to increase from 8,600 to 12,800 persons. By 2040, the white non -minority population is projected to comprise 27% of Orange county's population, a 29% decrease. -Page 28- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS LJ • Table 11 Regional Fair Housing Impediments Analysis Orange County Change in Ethnicity-1990 TO 2040 Year White Hispanic Asian/Pac. Islander Black American Indian Total 19 00 1,555,5171 570,548 243,496 39,421 8,570 2,417,552 Percent 64.34%1 23.60%1 10.07%1 1.63%1 0.35% 100.00% 2000 1,560,5361 845,8931 373,994 44,086 8,681 2,833,190 Percent 55.08%1 29.86% 13.20%1 1.56%1 0.31% 100.00% Numeric Change 5,019 275,345 130,4981 4,665 111 415,638 Percent Change 0,32%1 48.26% 53.59%1 11.83%1 1.30% 17.19% 2010 1,502,136 1,079,497 521,963 50,093 10,087 3,163,776 Percent 47A8% 34.12% 16.50% 1.58% 0.32% 100.00% Numeric Change -58,400 233,604 147,969 6,007 1,406 330,586 Percent Change -3.89% 21.64% 28.35% 11.99% 13.94% 10.45% Cumulative Change -53,381 508,949 278,467 10,672 1,517 746,224 Cumulative Percent -3A3% 89.20% 114.36% 27.07% 17.70% 30.87% 2020 1,393,135 1,321,059 650,112 56,308 11,255 3,431,869 Percent 40.59% 38,49% 18.94% 1.64% 0.33% 100.00% Numeric Change -109,001 241,562 128,149 6,215 1,168 268,093 Percent Change -7.26% 22.38% 24.55% 12.41% 11.58% 8.47% Cumulative Change -162,382 750,511 406,616 16,887 2,685 1,014,317 Cumulative Percent -10.440/. 131.54"Ao 166.99%1 42.84% 31.33% 41.96% 2030 1,268,598 1,612,945 796,715 61,570 12,175 3,752,003 Percent 33.81% 42.99% 21.23% 1.64% 0.32% 100.00% Numeric Change -124,537 291,886 146,603 5,262 920 320,134 Percent Change -8.94% 22.09% 22.55% 9.35% 8.17% 9.33% Cumulative Change -286,919 1,042,397 553,219 22,149 3,605 1,334,451 Cumulative Percent -18.45% 182.70% 227.20% 56.19%1 42.07% 55.20% 2040 1,105,345 1,947,947 942,741 66,520 12,775 4,075,328 Percent 27.12% 47.80% 23.13% 1.63% 0.31% 100.00% Numeric Change -163,253 335,002 146,026 4,950 600 323,325 Percent Change -12.87% 20.77% 18.33% 8.04% 4.93% 8.62% Cumulative Change -450,172 1,377,399 699,245 27,099 4,205 1,657,776 Cumulative Percent -28.94% 241.42% 287.17% 68.74% 49.07%1 68.57% Source: California Department of Finance Demograpich Research Unit -Page 29- Therefore, during the coming decades, Orange County is expected to experience a dramatic change in ethnic diversity. This population dynamic means there will be a continuing need to 0 ensure that persons of all ethnic backgrounds obtain equal access to housing. 2. Recent Legal Immigration Population Characteristics Access to housing is important to all population groups, including recent legal immigrants to Orange County. The County's legal immigration populations come from all over the globe. Their language, culture and housing experience may be different from the majority of County residents. The immigrant population may be unfamiliar with their basic rights as new residents of the country, including their rights to housing free from discrimination. Consequently, it may be very important to provide outreach and counseling so that these population groups can make their housing and neighborhood choices with full awareness of their fair housing rights. a. Main Classes of Admission The INS currently categorizes classes of admission into six main headings: family -sponsored, non -capped, employment based, legalization of dependents, diversity transition, and children . born to alien residents. The family sponsored set of admissions is for the purpose of family reunification. Legal permanent residents and US citizens may sponsor their family members, and they are admitted according to country and admission -class quotas. Family sponsored immigration has accounted for more than 60% of California's legal immigration during the 11-year period. The non -capped category primarily contains immigrants whose entry into the US is allowed for humanitarian reasons. The third largest group of immigrants are those with employment visas. Their entry is designed to allow employees to fill positions that are difficult to fill with domestic labor. Diversity transition is a minor category and was created by Congress to increase immigration from certain countries whose quotas were negatively affected by earlier immigration reforms. This category is the only one available for would-be immigrants who have no American relatives or job prospects, and can make no claims for entry on humanitarian grounds. California usually receives a smaller than expected share of this type of immigrant. • The legalization of dependents is for dependents of IRCA-legalized aliens, and visas under this heading were not issued past FY 1994. -Page 30- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS The children born abroad to legal residents have been decreasing steadily for the last 12 years and will presumably bottom out at some lower figure. • b. California Immigration Trends,1984-1994 The State Department of Finance, Demographic Research Units, has tracked immigration trends. A detailed study was completed of legal immigration to California between 1984-1994. During this period, California's two million legal immigrants was more than any other state, and its share of the national total averaged from 25-29% over the 1984-1994 period. Only three countries held one of the top five spots each year among the sending countries — Mexico, the Philippines and Vietnam all consistently held their relative rankings in the list of sending countries. The relative stability in the rankings over the period is testimony to the conditions that make leaving the sending countries an attractive option, as well as the power that US immigration policy has in shaping the composition of the flow by providing preference to immigrants with relatives already within the US. • Although two million immigrants came from all over the globe, more than one-half were born in six countries. The six highest sending countries during the 11-year period are listed on the next page. Mexico 400,863 Philippines 269,881 Vietnam 192,280 China 124,866 Iran 89,751 Korea 89,612 Total 1,167,253 The number of Mexicans legally immigrating to California over the 11-year period, was greater than the population of Fresno, the sixth largest city in the State. The 269,000 Filipinos immigrating to the State was greater than the population of Riverside, the State's lls' largest city. Comparing California's almost six million births with the two million legal immigrants during the same period reveals that for every three Californians born here, yet another one arrives here legally from abroad. -Page 31- L. Orange County Legal Immigration Trends, 1984-1994 • Between 1984 and 1994, legal immigration to Orange County was estimated at 182,116 persons, representing 8.8% of all legal immigration to California. Legal immigration by year is noted below: 1984 12,741 1985 13,769 1986 14,114 1987 13,426 1988 14,609 1989 15,771 1990 16,490 1991 16,151 1992 26,223 1993 23,567 1994 15,255 Total 182,116 The two million California immigrants reported more than 4,000 different ZIP Codes of intended residence. Twenty-one of these ZIP Codes received at least 10,000 immigrants during the period, cumulatively accounting for 12 %, or one -eighth of all arrivals. Two of the 21 ZIP Codes • were in Orange County: 92683 Westminster 12,007 92704 Santa Ana 10,296 In 1994, 29 different cities in California received more than 1,000 legal immigrants. Four of these cities were located in Orange County: Garden Grove 2,557 Santa Ana 2,489 Anaheim 2,000 Irvine 1,197 A. Geographic Distribution of Orange Coun 's Legal Immigrants Technical Appendix B contains data on recent legal immigration to Orange County by city between 1990 and 1996. In this period, the cities of Santa Ana (23,456), Anaheim (15,862) and Westminster (10,248) received 37.2% of all legal immigrants to Orange County (133,473). More than one-half of the 133,473 legal immigrants to Orange County came from two countries: • Vietnam, 44,314 persons or 33.2% and Mexico, 22,879 persons or 17.1%. Geographic assimilation into Orange County differs for the cities in Orange County. The geographic -Page 32- 10 may provide guidance to outreach and counseling services and general awareness of fair housing rights Table 3 in Technical Appendix B reports on the country of birth for legal immigrants to each city. (Country of birth is not listed if the group size is less than 100 persons.) Different cities attract legal immigrants at different magnitudes. Almost two of every five legal immigrants from Vietnam settled in Santa Ana (9,520) and Westminster (8,220). Almost 38% of all legal immigrants from Mexico settled in Santa Ana. ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS C. EMPLOYMENT PROFILE 1. Background Local industry trends are tracked by using wage and salary employment information. According to the State Employment Development Department, wage and salary employment data reflect jobs by "place of work" and by broad industry categories. These industries are classified according to the Standard Industrial Classification Code. Chart 1 contains the definitions of the 10 industry classifications. The employment totals do not include the self-employed, unpaid family workers, and private household workers. Jobs that pay wages and salaries located in Orange County are counted although workers may live outside the County. The jobs total include both full- and part-time jobs. Employed persons who fill more than one job -- multiple jobholders -- may be counted more than once. Monthly job estimates are not adjusted for seasonal changes in employment. The annual average data are derived by adding up the monthly data for each industry and dividing by • 12 to determine an actual annual average. These annual average data may reflect major business openings, expansions, and closings. Or, these data may reflect trends affecting an entire industry, such as economic conditions, structural and technological changes. 2. Orange County Employment Trends,1994-1998 The most recent wage and employment trend data are available for the 1994-1998 period. The detailed annual average employment for the entire County is reported in Technical Appendix C. As indicated in Table 12, the largest employment sectors are services, manufacturing and retail trade. These three sectors account for two of every three jobs in Orange County. Table 13 lists the County's major employers. These major employers are concentrated in the heath, education, entertainment, education and communications economic/employment sectors. -Page 34- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • Chart 1: Payroll Jobs and Industry Definitions* Payroll jobs are the number of workers on payrolls during the pay period (March 1995 and June 1999). Estimates are based on payroll data collected directly from employers in the State Employment Development Department's Current Employment Statistics (CES) Survey or "establishment survey." It does not include the self-employed, unpaid family workers, and private household employees. , Mining: includes all establishments involved in the extraction of minerals, crude petroleum, and natural gas. It includes quarrying, well operations, milling, and other related activities. Construction: includes establishments engaged in contract construction. Includes new work, additions, alterations, and repairs performed by general and special trade contractors. Manufacturing. includes establishments which are 'usually described as plants, factories, or mills that are engaged in producing or processing non -durable or durable goods. These characteristically use power -driven machines and material -handling equipment. Transportation and Public Utilities: includes enterprises engaged in passenger and freight transportation by surface, water, and air and warehousing and other transportation services. It also includes the communications complex of telephone, telegraph, radio, and television; and utilities providing gas, electric, and sanitary services. • Wholesale Trade: includes establishments involved in the selling of merchandise to retailers, to industrial, commercial, farm, construction contractors, or professional business users; or to other wholesalers. Retail Trade: includes establishments involved in the selling of merchandise for personal or household consumption and rendering services incidental to the sale of goods. Finance, Insurance, and Real Estate: includes banks, savings and loan institutions, and security and commodity brokerages, insurance agencies and carriers, real estate sales and management offices, and rental and planning agencies. Services: includes establishments such as hotels, laundries, auto repair shops, theaters, legal services, advertising services, private schools, hospitals, and nonprofit organizations which are engaged in rendering a variety of services to individuals and businesses. Government. includes the legislative, judicial, administrative, and regulatory activities of federal, state, local, and international governments. It also includes federal, state, and local government hospitals and education. *Source: State of California Employment Development Division, Labor Market Information Division, The State of the State's Labor Markets — June 1999, Appendix B. -Page 35- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS Table 12 Regional Fair Housing Impediments analysis • Orange County Wage and Salary Employment —1998 (Annual Average) �J Industry Number of Jobs Agriculture 6,300 Mining 900 Construction 63,200 Manufacturing 236,000 Transportation & Public Utilities 46,500 Wholesale Trade 9,8,500 Retail Trade 222,800 Finance, Insurance & Real Estate 99,400 Services 392,100 Government 136,000 1,301,600 Source: State Employment Development Department, Employment Estimates for Orange County,1992-1998. Table construction by Castaneda & Associates. -Page 36- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS Table 13 • Orange County's Top 25 Employers 2000 1999 Orange County Employees Rank Rank Employer Full and Part-time 1 3 Boeing Co. 13,854 2 1 Walt Disney Co. 13,850 3 2 University California, Irvine 13,457 4 27 Albertsons Inc. 9,300 5 4 St. Joseph Health Systems 7,670 6 9 Tenet Healthcare Corp. 6,639 7 6 Tricon Global Restaurants Inc. 5,695 8 10 Pacific Bell 5,600 9 8 BankAmerica Corp. 5,409 10 7 Ralphs Grocery Co. 4,750 11 11 Dayton Hudson Corp. 4,442 12 11 PacifiCare Health Systems, Inc. 4,219 13 15 United Parcel Service of America Inc. 4,164 14 24 Memorial Health Services 4,122 15 19 Vons Cos. 4,000 16 17 California State University, Fullerton 3,999 17 14 Marriott International Inc. 3,942 • 18 19 15 13 Kaiser Permanente Ingram Micro Inc. 3,600 3,199 20 18 Advantica Restaurant Group Inc. 3,099 21 20 Hoag Memorial Hospital Presbyterian 3,052 22 34 Cedar Fair LP 3,000 23 21 Del Taco Inc. 3,000 24 28 Wal-Mart Stores Inc. 2,905 25 26 Automobile Club of Southern California 2,823 Source: Orange County Business Journal Table construction by Castaneda & Associates -Page 37- 0 ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS 3. Employment Estimates by City According to Table 14, more than 1 million jobs are located in the entitlement cities. Almost 44% of the 1 million jobs are located in the cities of Anaheim, Santa Ana and Irvine. As indicated by Table 15, there are an estimated 236,400 jobs located in Urban County. Among the cities, Brea has the largest number of jobs—33,868 —, that represents 14.3% of all the jobs in the Urban County. The cities of Cypress and La Habra each have about 21,000 jobs. The unincorporated area has an estimated 36,500, representing 15.4% of all the jobs. 4. Orange County Industry Trends and Outlook, 1995-2002 SCAG has projected an increase of 288,000 jobs between 1994 and 2005, a yearly gain of 26,200. The State Employment Development Department estimated an increase of 168,300 jobs between 1992 and 1998, an annual increase of 28,050. The EDD has projected a gain of 170,900 jobs from 1995 to 2002, a yearly growth of 24,400. The average of these yearly job gains is 26,200. Over the 7.5-year program period, the average gain would result in a total increase of 196,500 jobs in Orange County. Orange County is expected to experience strong employment growth between 1995 and 2002 as the region's economy continues to improve and diversify. The total number of nonfarm wage and salary jobs is expected to increase by 170,900 jobs, from 1,151,700 in 1995 to 1,322,600 in 2002, for a 14.8% increase. With the exception of mining, employment gains are anticipated across all major industry divisions. The services industry division is expected to add the greatest number of jobs and experience the highest rate of expansion, followed by the trade and manufacturing industry divisions. The services industry division will grow by approximately 73,700 jobs, with 21.1% growth. The largest gains are expected to occur in the business, health and other services sectors. Business services employment will expand as a result of growth in personnel -Page 38- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS Table 14 Regional Fair Housing Impediments Analysis . Entitlement Cities: 1997 Employment Total City Employment % Anaheim 161,129 16.0% Buena Park 34,984 3.5% Costa Mesa 79,703 7.9% Fountain Valley 28,012 2.8% Fullerton 68,980 6.8% Garden Grove 47,879 4.8% Huntington Beach 73,241 7.3% Irvine 125,866 12.5% La Habra 16,768 1.7% Newport Beach 64,400 6.4% Orange 94,787 9.4% Santa Ana 152,690 15.2% Tustin 36,291 3.6% Westminster 23,073 2.3% Total 1,007,803 100.0% • Source: California State University, Fullerton, Center for Demographic Research. Table construction by Castaneda & Associates. 0 -Page 39- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • • 11 Table 15 Regional Fair Housing Impediments Analysis Urban County Cities: 1997 Employment Total City Employment % Brea Cypress Dana Point La Palma Laguna Beach Laguna Hills Laguna Woods Los Alamitos Placentia Rancho Santa Margarita San Clemente Seal Beach Stanton Villa Park Yorba Linda Unincorporated Total 33,868 14.3% 21,148 8.9% 12,376 5.2% 6,331 2.7% 12,786 5.4% 21,069 8.9% 2,248 1.0% 14,902 6.3% 14,869 6.3% 7,567 3.2% 18,717 7.9% 8,710 3.7% 8,128 3.4% 1,321 0.6% 15,922 6.7% 36,456 15.4% 236,418 100.0% Source: California State University, Fullerton, Center for Demographic Research. Table construction by Castaneda & Associates. -Page 40- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS supply and temporary help services, and increased demand for computer programming, and computer related services. Although concerns over rising health care costs have slowed recent growth, health services will continue to produce a substantial number of new jobs as the industry serves the needs of an expanding and aging population. Amusement and movies, engineering and management services, hotels and other lodging places, private educational services and a variety of other personal and professional services are also expected to register significant job gains during the forecast period. The trade sector will experience the second highest employment growth, with an increase of 45,500 jobs, for a 15.6% increase. The wholesale trade sector is expected to add 18,700 new jobs, as the suppliers of goods and services expand to support the production and distribution of local manufacturing employers. The retail trade industry is expected to produce 26,800 new jobs during the projection period as a result of population growth and overall job creation in other industries. Eating and drinking places will account for 12,900 of the new jobs in the retail trade sector. The manufacturing industry is expected to produce an additional 19,600 jobs, a 9.5% increase. • Most of these jobs will be in the durable goods sector in the high-technology segments of electronics, communications, aircraft and parts, and computer and office equipment. Other significant job gains are anticipated in primary and fabricated metals, other instruments and related devices, industrial machinery, lumber and wood products and miscellaneous manufacturing. The nondurable goods manufacturing sector is expected to add 2,600 jobs, primarily in the textile mill products and apparel industry. Despite anticipated cutbacks in federal government payrolls, related to the closure of El Toro Marine Corps Air Station, government employment is expected to expand by 13,700 jobs, an increase of 10.7%. Most of the new jobs will result from increases in local and state education payrolls due to a rapidly expanding school age population and to accommodate mandated smaller classroom size. State government jobs will grow at a slower pace to serve the needs of California's expanding population. Federal government employment will decline as a result of the closure of El Toro Marine Corps Air Station. The construction industry, which has been on the rebound since 1993, is expected to continue to expand rapidly at a rate of 20.9%, adding 10,400 jobs during the projection period. An improved state and local economy and strong job growth have contributed to a healthier residential real -Page 41- estate market, and an increasing demand for office and industrial space. Demand for construction workers is anticipated for both residential and commercial developments. is Growth in the finance, insurance and real estate industry division is projected to be 5.7 %, or 4,800 jobs, bringing total employment in the division to 89,700. Insurance carriers, agents and brokers are expected to realize the largest gain, with 2,300 new jobs. Finance, the largest component in this industry category, is expected to increase by 5.2%. Although the installation of more automated teller machines is expected to further depress the demand for workers, this decrease should be offset by employment gains in security and commodity brokers, and holding and other investment office components. Much of the growth is anticipated to be in call centers and data processing services for finance and insurance sectors. The real estate sector will expand as construction employment and the real estate market continue to improve and the state's economy remains strong. The transportation, communications and public utility industry division is expected to expand by 3,300 jobs, a 7.8% increase. The anticipated loss of 1,400 jobs in trucking and warehousing are expected to be offset by job increases in the air transportation and other transportation sectors. • The communications industry is expected to add 700 jobs, largely due to growth of call centers. Employment in mining is expected to decline by about 300 jobs, or 33%, between 1993 and 2005. The oil and gas exploration industries account for a significant portion of mining employment in Orange County. Employment in these industries increased rapidly during the late 1970's and early 1980's as rising foreign crude oil prices stimulated production and exploration, and then declined as the subsequent worldwide surplus pushed the price down. D. TRANSPORTATION PROFILE This part presents information on transportation services provided throughout Orange County. The Orange County Transportation Authority (OCTA) is the area's primary transportation planning agency and transit provider. The services provided include bus and transit (including paratransit) and commuter rail. The services provided by OCTA are summarized in the following paragraphs. Although Orange County's transit system is one of the fastest growing in the nation, OCTA . recently approved a restructuring plan aimed at streamlining its existing service. Under the plan, buses will run on a one -street, one -route system and will align routes along major corridors. By -Page 42- creating a more user-friendly system for riders, OCTA's goal is to expand service by 49% by 2010. In addition to the bus transit system, OCTA manages the funds collect by Measure M. In 1990 Orange County's voters cast ballots in favor of a one-half % increase in sales tax with the funds earmarked for transportation enhancements. These funds have been utilized to improve a variety of infrastructure projects throughout Orange County. These improvements include major reconstruction on local freeways such as Interstate 5 (I-5), the Riverside Freeway (SR-91), the Costa Mesa Freeway (SR-55) and Interstate 405 (I-405). These improvements include widening, the construction of High Occupancy Vehicle (HOV) lanes and on -ramp and off ramp improvements. The Measure M funds have been utilized to improve local streets as well. These improvements include "smart streets", such as Beach Boulevard, Katella Avenue and soon Moulton Parkway and Imperial Highway. In addition to these roadway improvements, OCTA is also involved with other mass transit • projects like commuter rail projects. One of the main rail projects is the expansion of Metrolink Services in Orange County. The most ambitious rail project is the Center Rail Project. With $340 million set aside for future high technology, high capacity travel options, and an important emphasis will be on connecting major employment centers. The Center Rail Project is studying a 28-mile alignment through the heart of Orange County from Fullerton to Irvine. -Page 43- fu 1] 0 The orange County Register ORANGE COUNTY/OBITUARIES Friday, Aug. 25, 2000 Task force'unhappy with new OCTA routes TRANSPORTATION: Group seeks changes in the overhaul of bus system set for next month. By HEATHER I.OURIE The Orange County Register SANTA ANA — Members of a community task force said Thursday that they are not sat- isfied with the county's plans to overhaul its bus system Sept.10. grew 31 percent in the past dec- ade. The changes - which will alter the way *65,000 Orange County residents get to work, school and other destinations - will route buses in mostly straight lines down major thor- oughfares. Among the group's specific requests: ► Increased service into Santa Ana ' Transit Center; OCTA says service in Santa Ana re- The task force held a meet- ing to update bus riders on its ongoing 'talks with Orange County Transportation Author- ity officials. More than two dozen people at the meeting said they would like to see fewer transfers between buses, longer running hours mains the same under the new system. ► Increased service to and from Kaiser Hospital in Ana- heim; OCTA says it doesn't have a demand for service in that area. OCTA says the new plan will add 100,000 service hours each year. About 60 percent of rid- ers will see their commute time decrease and 30 percent will an increase, OCTA said. and increased frequency. "We're pleased they are starting to make changes, but unfortunately we still have a long way to go," said Jane Reifer of Fullerton, an orga- nizer of the meeting. "We think people are going to have a much harder time." The Transportation Author- ity is overhauling its 28-year-old system to meet an explosion in ridership, which "We recognize there will be some people who are not ex- cited about change.... But we have to do what will benefit the greatest amount of people within the dollar parameters we have," said George Urch, OCTA spokesman. "We have one of the fastest -growing bus systems in the country." ► Hlourie®notesdreedom.com ► Call: (714) 285.2866' ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS E. PUBLIC SECTOR POLICIES This section focuses on possible actions or omissions in the public sector that may affect housing choice. A survey questionnaire was prepared by the Fair Housing Council of Orange County in 1994 and distributed to the participating entitlement jurisdictions. The same questionnaire was distributed to the participating jurisdictions in 2000. The answers for each jurisdiction were documented and where possible the 1994 and 2000 answers were compared for any changes. The questionnaires can be found in Appendix G. 1. Zoning Minimum Lot Areas All of the entitlement jurisdictions have reasonable restrictions regarding the required square footage of lots for single-family dwelling and multi -family dwellings. The square footage requirements range from 2,400 to 7,200. None of the jurisdictions increased the requirements since 1994 and 3 jurisdictions decreased the requirement. The minimum lot size for multi -family dwellings ranged from 1,850 to 12,500. Again, none of the jurisdictions have increased this requirement since 1994. Residential Densities All participating jurisdictions permit multi -family dwellings at densities of 16 units per acre. Eleven permit 23 or more units per acre. Five allow 30 or more units per acre. In Orange County affordable housing is usually developed at densities of 18 to 24 units per acre. Housing for seniors and persons with disabilities is usually developed at densities of 30 or more units per acre. These restrictions do not impede opportunity for development of multi -family housing. Minimum Housing Unit Size There is a large range of requirements regarding minimum square footage per unit between the jurisdictions. Studios 220 - 550 One Bedroom 550 - 1,125 Two Bedroom 750 - 1,225 Three Bedroom 900 - 1,400 Minimum living area requirements can be an impediment to the development of affordable housing. However, dwelling unit sizes were not cited as an impediment to fair housing choice. Density Bonuses It Density bonuses can provide greater housing choice and mixed income housing developments. Government Code Section 65915 provides that local governments must -Page 45- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS grant a density bonus of at least 25%, and an additional incentive, or financially equilivent incentives, to a developer of a housing development agreeing to construct at least: • a.) 20% of the units for lower -income households; or b.) 10% of the units for very low-income households; or c.) 50% of the units for senior citizens. These are referred to as target households. The effect of Government Code Section 65915 is that density bonuses or incentives can only be used to contribute to the development of units for lower -income and senior households. All participating jurisdictions reported having density bonuses or incentives for affordable housing. Some of the jurisdiction reported not having any projects proposed in their jurisdiction. 2. Special Needs Housing Emergency Shelters, Transitional Housing and SRO's Twelve of the jurisdictions permit Single Room Occupancy (SRO) units. Thirteen jurisdictions allow emergency shelters, transitional housing and group homes, one jurisdiction may allow them after an amendment to their local codes. Most jurisdictions provide for these non-traditional housing options with conditional use permits. The State Housing Law encourages cities to create opportunities for special needs housing. Government Code 65583 requires cities to include in their housing elements an identification of sites for emergency shelters and transitional housing as follows: • "Identify adequate sites which will be made available through appropriate zoning and development standards and with public services and facilities needed to facilitate and encourage development of a variety of types of housing for all income levels, including -rental housing, factory built housing, mobile homes, emergency shelters and transitional housing in order to meet the community's housing goals..." The California Department of Housing and Community Development defines emergency housing and transitional housing as follows: "An emergency shelter provides an immediate short-term solution to homelessness and involves limited supplemental services. Shelter is provided for a short period. A shelter should be kept small, focused on the population served and with intake offices located as near as possible to where homeless congregate." "Transitional housing, in addition to providing shelter provides the opportunity for training and counseling to acquire the needed skills (such as home management or job training) to become self sufficient. The goal of transitional housing is to remove the basis for homelessness (i.e. lack of sufficient income for self-support). Shelter is provided for an extended period of time (perhaps as long as 18 months) and generally includes integration with other social services and • counseling programs to assist in the transition to self sufficiency through the ` acquisition of a permanent income and housing." -Page 46- Provisions for meeting the housing needs through emergency shelters and transitional housing should be accomplished by all the jurisdictions within the framework of the State Housing Law and adopted Consolidated Plans. • Single Room Occupancy units are usually located in a building designed as a residential hotel consisting of a cluster of guest units providing sleeping and living facilities as well as cooking facilities (i.e. microwave oven). SRO units have been developed, approved and/or financed in some of the participating jurisdictions. Group Homes All jurisdictions are preempted from regulating group homes of six or less occupants. Group homes of more than 6 occupants usually require a conditional use or special use permit. Group homes are located in all participating jurisdictions. 3. Occupancy Standards These standards regulate the number of persons who can reside in a housing unit based upon square footage and/or the number of bedrooms. Overly restrictive occupancy standards have been found to have a discriminatory effect on families with children because they reduce the number of units available to families with children. Three of the participating jurisdictions reported establishing the State Housing Code occupancy restrictions for private dwellings. The other eleven jurisdictions have not established any occupancy restrictions. Five of the jurisdictions established occupancy . rules for subsidized housing to allow families to qualify for larger subsidized units. None of these policies has been found to be overly restrictive or to have a discriminatory effect on families with children. Definition of "Family" Most of the jurisdictions have broad definitions involving persons living together as a "housekeeping unit." No jurisdiction requires relationship by blood or marriage. And many do not define family in their codes. Very narrow definitions of "family" have been linked to discrimination on the basis of disability and have a disparate impact on group homes. None of the participating jurisdictions have definitions that would put them at risk of disparate impact discrimination. Affordable Housing The high cost of housing in Orange County has been sited as a barrier to housing choice. Affordable housing choices are far below the actual need and all four housing authorities have waiting lists of more than three years (see housing authority sections). The following are lists of affordable housing rental units within Orange County. Though the cost of housing does limit choice, economic factors are not violations of federal or state fair housing laws. This issue should be reviewed and addressed within each jurisdiction's housing plan. -Page 47- HOUSING / LOW INCOME / HUD CHART2 Total Complex Name Address Phone # Fax # # Units Description Acacia Villa Apartments 10931 Acacia Parkway (714) 537-6718 (714) 537-4521 160 Section 8 Amerige Costa Orange 92866 101 N. Cypress Street (562) 691-4342 (562) 691-4342 55 (714) & the 202 or oiaer persons w/disabilitiesor mental retardation. Rent based on Living Opportunities Mgmt. Co. Fullerton 91831 w/physical disabilities. Rent based on qualified income Casa Ramon Apartments 840 W. Walnut Street (714) 639-1700 (714) 744-4684 75 Section 236 and 8 -Page 48- CO °DIMENTS ANALYSIS Co. Orange 92866 Corp. Rent based on qualified income Manages over 300 low income Santa Ana 92701 rental units. Speaks Spanish & Vietnamese Community Garden Tower 3919 Garden Grove Blvd. (714) 971-2522 (714) 971-2524 210 210 units for low income Apts. Living Opportunities Mgmt. Orange 92868 62 yrs. Or older Rent based on qualified income Cypress Sunrise Apts. 9151 Grindlay Street (714) 527-6237 (714) 527-8620 74 8 units people w/disabilities Cypress 90630 Section 8 Living Opportunities Mgmt. Oceanside 92054 Rent based on qualified income Emerald Cove 18191 Parktree Circle (714) 842-0802 (714) 842-3333 164 164 units low income 62/older Living Opportunities Mgmt. Huntington Beach 92648 Rent based on qualified income Santa Ana 92704 Flower Park Apartments 901 W. 1 51 Street (714) 542-6002 (714) 542-5167 199 199 one bedrm. Units Santa Ana 92704 Seniors 62/older, Sec. 8 Friendly Center/Housing 451 N. Lemon St. (714) 771-5300 (714) 771-7627 8 8 apts. For Sec. 8 Fullerton 92833 Garden Grove Manor 10642 Bolsa Ave. (714) 554-2032 (714) 554-9285 78 Section 236 _ Garden Grove, 92843 rr _nn n11rChnca nrnnrom 92868 Fountain Valley 92708 Vietnamese Seniors and Disabled Irvine 92612 Harvard Manor Family Apts 50 Comell, Ste 23 (949) 854-1533 (949) 854-1825 U/A Section 8 Irvine 92612 Huntington Villa Yorba 16000 Villa Yorba Lane (714) 842-9622 (714) 841-5173 198 Section 8 92807 -Page 49- :DIMENTS ANALYSIS Imperial Villas 1050 E. Imperial Hwy. (714) 996-1021 58 Sec. 8, 3 units Placentia 92870 people w/disabilidies Jordan Manor 11441 Acacia Pkwy. (714) 530-2072 (71A) 530-0454 65 3 units for disabled Garden Grove 92840 Section 8 and 202 La Jolla Housing Project 752 W. La Jolla (714) 630-2820 (714) 632-1917 50 Section 236 Hacienda La Jolla Placentia 92870 �aa a.v.uas varuens auu Las Lomas Line (114) 879-5583 (714) 879-0801 112 Sec. 8, 2yr. Wait La Habra 90631' Magnolia Acres Apts 640 S. Magnolia St. (714) 952-8590 (714) 952-8590 40 40 units low income 62/older Living Opportunities Mgmt. Anaheim 92804 Rent based on qualified income Mar Vista Eldorado Apt. 802 Topeka St. (760) 722-7102 (562) 492-6674 73 73 units low income 62/older Living Opportunities Mgmt. Oceanside 92054 Rent based on qualified income Mission Viejo 92691 Orchard Park Apts. 50 Tarocco Road,Ste 301 (949) 651-0200 (949) 651-0457 60 5 units people w/disabilities Apartment Homes Irvine 92614 Section 8 Pacific Terrace 15000 Pacific Street (714) 893-8822 98 Section 8 only Midway City 92655 Rancho Niguel Moulton 25952 Via Lomas (949) 831-8486 (949) 831-4016 100 Section 8 Laguna Hills 92653 Related Mangement Co. 18201 Von Karman Ave. (949) 660-0390 (949) 660-0391 3,398 Affordable multifamily units Ste. 470 Irvine 92612 All Calif. Irvine area Rosswood Villas 100 N. Ross Street (714) 972-1319 (714) 927-9505 200 Sec. 8 seniors and disabled Santa Ana 92701 Santa Ana Towers 401 W. 1 Street (714) 835-6905 (714) 835-4126 200 Section 8 Santa Ana 92701 Seaview Lutheran Plaza 2800 Pacific View Dr. (949) 720-0888 (949) 720-9214 99 Section 202 and 8 Corona del Mar 92625 ST. John's Manor 2031 Orange Ave. (949) 645-3728 (949) 645-3784 36 Section 8 Costa Mesa, 92627 Seniors & Disabled only Sullivan Manor 2516 W. 1 Street (714) 541-8616 (714) 564-9722 53 Sec. 8, family complex Santa Ana 92703 Surfside Villas 7795 Neptune Drive (714) 960-0650 (714) 960-9941 75 Section 8 Huntington Beach 92648 The Parklands 1 Monroe, Ste. 11 (949) 651-0468 (949) 651-1434 121 6 units people w/disabilities Irvine 92620 Section 8 Triangle Terrace Apts. 555 S. Shaffer Street (714) 633-7344 (714) 633-8063 75 75 units low income 62/older Living Opportunities Mgmt. Orange 92866 Rent based on qualified incnme -Page 50- •NGE COUNTY REGIONAL FAIR HOUSING l• °DINENTS ANALYSIS Tustin 92780 Seniors and Disabled Villa La Jolla 734 W. La Jolla Ave. (714) 630-1744 (714) 630-6122 55 Section 8 Placentia 92870 Anaheim 92805 Village La Paz 24275 Avenida Breve (949) 831-1534 (949) 831-2143 100 Section 8 Laquna Niquel 92677 HUD 92651 92804 3vr. Wait Irvine 92606 Woodbridge Manor Apts. 27 Lake Road (949) 552-6794 (949) 492-6674 150 150 units low income 62tolder Living Opportunities Mgmt. Irvine 92604 Rent based on qualified income Irvine 92614 Section 8 Woodbridge Villas 10 Thunder Run (949) 786-5110 (949) 857-0269 258 Section 8 Main & Culver Irvine 92614 Rent based on Mgmt. Santa Ana 92706 Rent based on qualified income -Page 51- HOUSING / ASSISTANCE / TENANT RIGHTS / ETC. CHART 3 Program Name Address Phone # Services Offered Anaheim Community Development 201 S. Anaheim Blvd. Ste 203 (714) 765-4340 Low interest rehabilitation loans to 40,000 for Anaheim 92825 rentals. Waiting list 2-5 yrs. For Sec. 8 Anaheim Independencia Comm. 10841 Garza Ave. (714) 826-9070 Counselingfimmigration, assistance w/transi- Ctr. Anaheim 92804 Fax (714) 826-2732 tions., senior lunch, youth drop- in, recreation, after school, Govt. commodities,housing improve- ment assistance filling out forms for govt. loans Anaheim Interfaith Shelter P.O. Box 528 (714) 774-8502 Transitional shelter familiesw/dependent children. Anaheim 92815 Fax (714) 774-0331 Must have income from some source to comply w/80% saving program. Supplemental food, referral servicevariety counseling. Anaheim Shared Housing 201 S. Anaheim Blvd., 2nd Floor (714) 765-4336 Roommate service, serves all aces. free Costa Mesa 92626 home based on ANNA principles. Self govemir and supporting. Day to day renewable contract. low rates. 28 Civic Center Plaza, Ste 538 (800) 884-1684 Handle discrim. Based on race, sex,color, age, Santa Ana 92701 Fax (714) 558-6461 medical condition, mental disabilities, AIDS, Info (714) 558-4266 pregnancy, family rights act. Spanish, Tagalog, darn oept veterans Affairs 25884 Business Center Dr. Ste F (909) 478-7513 Cal -Vet home loans for eligible Veterans. Calif. CAL -VET Home Loans Redlands 92374 Fax (909) 478-7529 State Agency. Wait: loan processing to close of escrow. Calif Dept Veterans Affairs 12070 Telegraph Rd. Ste 210 (800) 952-5626 Same as above. 800 * will automatically connect CAL -VET Home Loans Santa Fe Springs 90670 callers to the office in their area. -Page 52- PNGE COUNTY REGIONAL FAIR HOUSING I. - MMENTS ANALYSIS Calif Housing/Community Devp. P.O. Box 2111 (800) 952-8356 Mobilhome registration/tilling to homeowners, Mobilhome Registration/T'rt inq Sacramento 95812 dpaipm man114ar4jtram ..�..�.........,. I.a.,,W„y L4uu 1 Oallw wla l Cfflyull mu. tr 14) 08r-uZlu Kv camping, pamai nooK up, tenting, restrooms, Anaheim 92808 Fax (714) 637-9317 showers, dump station. 8 person maximum per site. Valid Driver's License required, Discounts seniors 62/older. Celebrate Freedom Outreach P.O. Box 6126 (909) 280-9523 Re-entry home in Corona for ex -offenders, Corona 92878 Fax (909) 280-9531 alcoholics, drug addicts, disadvantaged that desire change. $100 non-refundable enrollment CHAPA Orange 92869 Fax (949) 718-9877 families. Infofreferral service for O.C. Cork House See "ARC -The Cork House" CSP Dispute Resolution Services 1821 E. Dyer Rd. Ste 200 (949) 851-3168 Mediation services. Disputes appropriate for Santa Ana 92705 Fax (949) 251-1659 mediation involve neighbor, LLIT, divorce, employee/employer, small claims, consumer/ merchant, victim/offender, school conflicts. Spanish spoken. Slidinq fee scale.no one denied. Housing Services Anaheim 92805 Fax (714) 772-8292 housing,conducts special projects designed to TDD (714) 772-8366 increase housing options. Programs include HEARTH (shelter), co-sponsorship of apts for disabled or disabled family members,assist in modification of housing units. Dayle McIntosh Ctr For Disabled 27782 El Lazo Rd. Ste 100 (949) 643-7275 Same as Anaheim location South County Branch Laguna Niguel 92677 Fax (949) 643-7284 TDD(949) 643-7282 Santa Ana 92705 Fax (714) 835-1001 families who have graduated from local OC shelters. Must contact through case manager. Not an emergency shelter. ESA/Administrative Office P.O. Box 2159 (949) 888-5270 Admin only. No Services provided at this site. Mission Viejo 92690 Fax (949) 888-6194 -Page 53- c� i ANNENTS ANALYSIS ESABeacon House Community Service 18792 Drew Way (714) 532-3663 Transitional home for homeless men. Free Orange 92669 Fax (714) 532-3673 Santa Ana 92701 ass/rent-utilities, prescriptions when funds available. St. Vincent de Paul clothing voucher $10. No interpreter. Offer voca trainingfintemet job search. 92866 Fax (714) 532-3673 eariv1999 Community Service Center Anaheim, 92805 t, 1•) , to -tofu Fax (714) 776-6226 rouu nags, rent, mortgage, unity ass., transpor- tation/bus tickets, gas vouchers, emer housing, call first / fax prescription ass. As Funds Available. Job referrals, counseling advocacy, agency referrals ESAI South Orange County 121 Avenida Victoria (949) 492-8211 Food bags, brown bag lunch/office hrs., rent, Community Service Center San Clemente 92672 Fax (949) 492-0377 mortgage, utility ass., transportation/bus ticket, transitional housing, info, referral/counseling. Internet job search ass., voca training ESAIWest Orange County 525 Main Street (714) 960-2254 Food, clothing, prescriptions, bus tickets, Community Service Center Huntington Beach 92648 Fax (714) 960-3B77 referrals for people in transition. Utility, rental ass. referrals focus on families w/children. Internet job search ass., vocational traininq. rnuuuca rul vcau O'!L! UdK l.anyo" kb-qu) **z-Z/Z/ root emergency shelter. Transitional housing Formerly Irvine Temp Housing P.O. Box 53093 Fax (949) 552-2731 units: 10/single faro apts in Irvine, 2 renovated Irvine 92619 farmhouses. Housing counseling program offered qualified families. Must pay rent. Food/personal care items available. Limited to 6 visits. Provention Prog, limited financial ass., counseling for families losing housing. Food pantry. Reach seminar series/leaming to prevent financial crisis -Page 54- 0 _DIMENTS ANALYSIS • Fish -Harbor Area P.O. Box 15464 (949) 642-6060 Assistance residents Costa Mesa, Newport Newport Beach 92659 Fax (949) 642-6841 Beach, Irvine. Food, rental ass, utility pymt., childcare subsidy, etc. FISH is an outreach agency/no pick up locations for supplies. Wait depends on service requested Friendship Shelter P.O. Box 4252 (949) 494-6928 Shelter/comp program to assist homeless Laguna Beach 92652 Fax (949) 497-4324 single men/women. Maximum stay 60 days Garden Grove Housing Authority 11400 Stanford Ave. (714) 741-5150 Referrals homeless / rental ass. Garden Grove 92842 Fax (714) 741-5197 Snanish. Vietnamese spoken P.O. Box 876 Garden Grove 92842 Fax (714) 826-2401 Advocacy & legislative update. membership dues "5/yr H.I.S. House P.O. Box 1293 (714) 993-5714-AM Transitional living ctr, no cost shelter to Homeless Intervention/Shelter Placentia 92871 Fax (714) 993-5768 homeless for 120 days/while develop permanent income. Transportation/child care ass., personal support, job counseling.Some food provided H.O.M.E.S., Inc. 4341 Birch Street -Ste 213 (949) 851-2766 Affordable housing/support to low income Helping Our Mentally III Exp.Success Newport Beach 92660 Fax (949) 851-2767 mentally ill adults. Must have ability to maintain own medication/pay monthly rent in semi- independent living environment. Residential n.U.r.e. F.U. L30X 16bb (714) 539-4357 Transitional living ass to abused/abandoned Helping Others Prepare for Eternity Seal Beach 90740 Fax (714) 539-4760 women w/children. Help meet physical, emotional spiritual needs. Rental ass, help w/personal needs, budgeting, life skills, mentoring. Must have completed emergency/transitional shelter program prior to admittance, ready for independence. Habitat For Humanity Of OC 2165 S. Grand Ave. (714) 434-6200 Families chosen as homeowners assist in Santa Ana 92705 Fax (714) 434-1222 building own home as part of requirement for ownership. Qualifications: steady source of income, good credit history. Must demonstrate need & inability to acquire long term permanent shelter. -Page 55- CONGE COUNTY REGIONAL FAIR HOUSING PEDIMENTS ANALYSIS S Hart House/AnaheimlFullerton 2807 E. Lincoln Ave. (714) 666-2616 Private sober living in private residential house. Administrative Office Anaheim 92806 Fax (714) 630-3714 Work/12 step program. Must be employedifull time student. Must attend four 12 step programs per week/daily reading approved literature. Serve men/women Helping Our Mentally III Exp See "H.O.M.E.S. Inc." His Hands Christian Service 17101 Ward Street (714) 968-2111 Food, clothing, emerg shelter (1 night in motel) Holy Spirit Catholic Church Fountain Valley 92708 Available to anyone regardless of faith w/picture ID. Spanish spoken Los Alamitos 90720 Santa Ana 92702 Fax (562) 594-7417 to t/ t4J /00-440U 7Z-Z4 momn transmonai resident program for Fax (714) 289-1977 women/children(age 10/under) providing: basic education, job training, parenting classes, one- on- one counseling. HUD User Clearinghouse P.O. Box 6091 (800) 245-2691 Computer based info service to disseminate Rockville, MD 20849 Fax (310) 519-5767 printed reports of research sponsored by Dept of Housing and Urban Dev. Reports: Housing safety, home mortgage program, housing for elderly, disabled,or other HUD programs. No Referrals Interfaith Shelter Network See "H.I.S. House" International Rescue Committee 11752 Garden Grove Blvd Ste216 (714) 741-6146 Resettlement srvs, housing for refugees only. Garden Grove 92843 Fax (714) 741-6148 ass w/basic needs, referrals, sponsorship, immigration, social srvs, counseling, interpreta- tion. Wait- 1-2 days. Irvine Temporary Housing See"Families Forward" La Habra Comm Resource Care 790 E. La Habra Blvd. La Habra 90631 (562) 697-1199 Rentallutility ass, food, clothing, bus tickets, gas vouchers, prescription ass. All services subject to availability of funds. Referrals: other -Page 56- _ NUENTSANALYSIS Love, Inc. P.O. Box 535 (714) 693-1112 Church Srvc network. Requests for assistance Love In The Name Of Christ Yorba Linda 92885 screened/persons w/needs matched w/agency or volunteer from local church. Wait depends on need. Lutheran Social SrvslFullerton 215 N. Lemon Street (714) 738-1058 Ass/emergency w/ food, clothing, medical Fullerton 92832 Fax (714) 534-6458 prescriptions. Utility pymts/rental assistance when funds available. Staff will advocate on behalf of clients w/other agencies, institutions. Garden Grove 92840 Fax (714) 534-6458 prescriptions. Utility pymts/rental assistance when funds available. Staff will advocate on behalf of clients w/other agencies, institutions. Waitvaries Spanish spoken. Mercy House Transitional Living P.O. Box 1905 (714) 836-7188 2 Programs: Joseph house srvs single,empioyed Santa Ana 92702 Fax (714) 836-7901 men, may maintain residence max 15/months. Regina House srvs single mothers/children (10 yr/under). Women must participate in full time job training program/be employed full time. May maintain residence 6/months. Both programs offer support srvs, case mgmt, employment counseling, social srvs. Referrals: psych counseling, child care,housing,benefit counseling. Mobil Home Ombudsman P.O. Box 31 (800) 952-5275 Contact for complaints regarding: park operation, Dept Housing Comm Development Sacramento 95812 Fax (916) 327-4712 maintenance, alterations, accessory structures. Manufactured sales problems dealers/manufac. as relate to: advertising, contracts, escrow, fraud, misrepresentation, illegal sales, non - receipt of titre, unlicensed activity, warranty. Info mobilhome law. ,.a,y............... "UUU 111y �J •o ,ao ... WoiavuI r,vn. OLc 41lu n I [y) you- Icou neip iowrmoo income rammes ouy own home. NHS of Orange County, Inc. Anaheim 92805 Fax (714) 490-1263 NHS prepares potential owners: education money magmt, budgeting. Counsels for home ownership programs. Provides financial resource to assist w/mortgages, down pymt, closing cost, home renovation loans. Spanish spoken -Page 57- ONGE COUNTY REGIONAL FAIR HOUSING PANNENTS ANALYSIS • Neighborhood Housing Srvs 1617 W. 7th Street (714) 547-7143 Home ownership ed/counseling/maintenance Santa Ana NHS, Inc. Santa Ana 92703 Fax (714) 547-7668 counseling. Secondary financingllow/mod income families. Neighborhood revitalization & housing rehab. New Vista Shelter 514 w. Amerige St. (714) 680-3691 Trans. Shelter helps homeless families w/child- Fullerton 92832 Fax (714) 680-0551 ren under 18 yrs. Assist: regain independence everyday living skills, savings program, practical & financial counseling. 60 day program. Food. O'Neill Regional Park 30892 Trabuco Canyon Rd. (949) 858-9365 camping/$12 a night max 8 people. Toilet P.O. Box 372 Fax (949) 858-9156 limited shower facilities. Open all year. No Trabuco Canyon 92679 alcohol. Nature programs offered. Facilities: hiking trails, nature center, playground O.C. Assessors Office 630 N. Broadway Ste 142 (714) 834-2941 Info: homeowners exemptions, appraisal Santa Ana 92701 Fax (714) 834-3934 For map of property etc call(714) 834-2727 O.C. Community Housing Corp. 1833 E. 17th St. Ste 207 (714) 558 8300 Provides housing/related srvs to very low income Rent Line/Affordable Housing Santa Ana 92705 Fax (714) 558-0423 large families. Spanish & Vietnamese spoken O.C. Farr Housing Council 201 S. Broadway (714) 569-0823 EL& T info, referral/assistance. Mediation srvs Santa Ana 92701 Fax (714) 835-0281 Investigation discrimination complaints. HUD housing counseling agency,default mortgage, subsidized housing, reverse mortgage counseling provided. Spanish, Vietnamese spoken O.C. Housing/Comm Dev Dept 1770 N. Broadway (714) 480-2700 Rental ass low income families, elderly, disabled Santa Ana 92706 Fax (714) 480-2812 subject to waiting list restrictions. Interpreters available Spanish/Vietnamese O.C. Human Relations Commission 1300 S. Grand Ave., Bldg B (714) 567-7470 Mediation/conciliation srvs to help LL/T, Dispute Resolution/Mediation Santa Ana 92705 Fax (714) 567-7474 consumer, merchant, domestic, neighbor, employment, school, business, and other types community disputes O.C. Rescue Mission 1901 W. Walnut Street (714) 285-2840 Breakfast M-Sun, Lunch MSat, Supper M-Sun Santa Ana 92703 Fax (714) 285-2851 for transient men staying overnight. Hot shower, clothing exchange, emergency shelter for men New Life Rehab Program for men. -Page 58- G•NGE COUNTY REGIONAL FAIR HOUSING •-MMENTS ANALYSIS 0 O.C. Community Development 5015 W. Edinger Ave Ste Z (714) 839-6199 Full range home repairs -qualified low income Human Srvs Weatherization Dept Santa Ana 92704 (800) 660-4232 homeowners/tenants to reduce energy cost/ Fax (714) 839-2817 improve home. Srvs: energy conservation, replacing broken windows, attic insulation, weather stripping, caulking, combustion app- liance repair, duct & water heater wrap, low flow shower heads, carbon monoxide detectors. Waiting list at times. Orange Coast Interfaith Shelter (949) 631-7213 55 bed shelter. Program 3-7 days for single Fax (949) 631-7648 women, couples, families. Provides: meals, showers, laundry facilities, case work svrs. Transitional Program 2-6 months:18 families, budgeting, mental health outreach, employment assistance. Guaranteed Apartment Pymt Prgm Costa Mesa 92626 Fax (714) 751-3332 up case work/support srvs. 1 adult must be employed full time/leaving long -tern shelter or transitional Irving program. Substance Abuse Rehab Prgm provides: financial ass (lowfincome) and homeless substance abusers. Street srvs prgm provides food once a week. Laguna Hills 92653 Fax (949) 380-3798 transitional housing, medical prescription, lodging in Saddleback Valley. Vouchers for furniture and clothing. Salvation Army/Buffalo Street (714) 832-7100 6-12 month prgm for singles, couples and Transitional Shelter Fax (714) 832-2361 sm families. Must be referred by agency or . ajvauuu.+unprauu1y . [V* North Orange County Office Iuzu o. maymulm Ole r Anaheim 92801 tr w/ "u-t+-ia cmergency tooa, ciommg, gas, Dus ticKet, prescriptions, shelter, utilities assist as funds , available. Emerg disaster srvs. Salvation Army/Hospitality House 818 E. 3rd Street (714) 542-9576 Stay up to 7 nights first time, 3 days every 30 Central Orange County Santa Ana 92701 Fax (714) 542-5792 days thereafter. Dinner, shower, breakfast. Shelter-families/singles. Friday - free legal services 1-3 pm Santa Ana Housing Authority 20 Civic Center Plaza, M27 (714) 667-2200 Full range housing srvs., Sec. 8 rental assistance Housing Division P.O. Box 1988 Fax (714) 547-5411 home improv/loans, neighborhood improv, Santa Ana 92702 housing dev. SpanishfVietnamese spoken. -Page 59- G•NGE COUNTY REGIONAL FAIR HOUSING I 1DIMENTS ANALYSIS • Shelter For The Homeless Ladder to Success/Am Lodging 15161 Jackson Street (714) 897-3221 Emerg, trans, permanent housing. Edu & job Midway City 92655 Fax (714) 893-6858 training to homeless/low income adults/families Shelter.47 housing facilities, support prgms 80% clients from prgms become self-sufficient Waitina list. So Calif Association (SCANPH) Los Angeles 90010 Fax (213) 480-1788 housing dev core in carrying out their objectives. Bi-monthly newsletter, training workshops, brown bag forums, housing, legislative advocacy. Monitor local, state, federal legislature as it relates to affordable housing. So Calif Indian Center, Inc 13525 Garden Grove Ste 100 (714) 663-1102 Food, clothing, emerg shelter, referral services, P.O. Box 2550 Fax (714) 663-1213 senior hot lunch, socialization prgm. Employment Garden Grove 92842 and training prgm for Am. Indians. The John Henry Foundation 12812 Garden Grove Ste J (714) 539-9597 Housing, work op, support groups, recreational Garden Grove 92843 Fax (714) 539-9595 and social activities for chronically mentally ill Full service catering prgm, vocational training, Zthri t stores in Orange, family support group, Edu prgm 13-wks. Thomas House Temporary Shelter P.O. Box 8693 (714) 647-7534 Transitional shelter homeless families/Garden Fountain Valley 92728 Fax (714) 265-0642 Grove. Supportive Sevs: budgeting, life skills and ESL classes, tutoring, family counseling, social service referrals, job counseling. Stay is 3-6 months. English/Spanish spoken. Transitional Living Centers 102 S. Bradford -Ave. (714) 528-1174 Professional counseling, temporary housing, Calvary Church of Placentia Placentia 92870 Fax (714) 528-9942 job placement, transportation, personal sponsorship & Christian activities. Tri-City Room and Board 7871 Santa Catalina (714) 895-3140 2 locations for adults/no children. Help Stanton 90680 individuals live ina a home for $500 per month for evervthinq. Also available to adults w/disabil'fies. Los Angeles, 90017 on area. Self -Determination Recovery Ctr. Santa Ana 92703 Fax (714) 547-8678 residential setting. Stay varies 90 days to 18months. No detox. Srvs on sliding scale -Page 60- PNGE COUNTY REGIONAL FAIR HOUSING.IDINENTS ANALYSIS • Vietnamese League of OC 13139 Harbor Blvd 2nd Floor (714) 537-7808 Assist homeless and refugee people: emeg Garden Grove 92843 Fax (714) 537-7974 shelter,supportive srvs, ESL, job search training, counseling. Adult day activity pgrrn for people with dev disabilities. Vietnamese, French spoken Santa Ana 92706 Fax (714) 542-3653 or battered women. Meats, clothing, employment prgm, counseling, life skills edu Spanish spoken • ••��••�• ••• W+ ' . •• "uusu c, a r-. %,ommonweaim sie r ((14) 871-4488 18 month recovery prgm, 2 step prgm for women Fullerton 92832 (714) 871-4709 no children, domestic violence & drug abuse recovery home, must be sober 90 days Low cost housing, counseling, support, training for women just entering job market. -Page 61- VGE COUNTY REGIONAL FAIR HOUlSNA EDWENTS ANALYSIS • HOUSING / SHARED HOUSING PROGRAMS CHART4 Program Name Address Phone # Services Offered Anaheim Shared Housing 201 S. Anaheim Blvd., 2nd Floor (714) 765-3898 Roommate service, all ages, free Anaheim Housing Authority Anaheim 92805 Fax (714) 765-4643 interview required. Spanish spoken Buena Park Senior CWHousing 8150 Knott Ave. (714) 562-3898 Shared housing Program Shared Housing Program Buena Park 90620 Fax (714) 827-9782 Caring Neighbors/Shared 704 N. Glassell Street (714) 771-6876 Non -fee referral service, matches Housing Lutheran Social Services Orange 92867 Fax (714) 771-6230 singles, single parents and elderly w/others who wish to share a house, apt, mobile home. Comprehensive pkg offered to all shared housing clients matched with senior clients. Dayle McIntosh Ctr For Disabled 150 W. Cerritos Ave., Bldg 4 (714) 772-8285 Disabled Shared Housing Program. Shared Housing Anaheim 92805 Fax (714) 772-8292 Fullerton Shared Housing 340 W. Commonwealth Ave. (714) 738-6894 Shared housing Program Fullerton Senior Center Fullerton, CA 92833 Fax (714) 738-6335 OC Area Agency On Aging 1300 S. Grand Ave., Bldg B" (714) 567-7435 Providing: homemate services, all Shared Housing Program Santa Ana 92705 Fax (714) 567-5021 ages, primarily seniors. Matches people w/similar backgrounds, needs, preferences. Reasons: subsidizing income, security, companionship ' Corona Del Mar 92625 Garden Grove 92841 -Page 62- 771-7743 G•NGE COUNTY REGIOMAL FAIR HOUSING I•FDIMENTS ANALYSIS See"OC Area Aaencv on Shared Housing/San Clemente San Clemente 92672 Fax (949) 498-1021 Senior Center Shared Westminster 92683 -Page 63- • III. LOCAL HOUSING AUTHORITIES' POLICIES ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS Four housing authorities administer Section 8 rental assistance to the very low-income population. This important role places housing authorities in close contact with populations groups that need fair housing choices, particularly to housing outsides areas of poverty and minority group concentrations. Sometimes Section 8 recipients are victims of discrimination. A national study recently stated: "Although evidence about the incidence of discrimination against Section 8 recipients is limited, many local administrators routinely inform participants of their rights under the Fair Housing Act and help those who believe they have been victims of discrimination to file their complaints. In particular, participants may be victims of discrimination on the basis of their family status or the presence or age of their children, as well as on the basis of their race or ethnicity. Working in partnership with local fair housing organizations, housing authorities may be able to heighten awareness of federal antidiscrimination protectives among both participants and landlords. In addition, if state or local laws prohibit discrimination based on source of income, the local housing agency may want to consider initiating complaints against landlords who refuse to accept Section 8 tenants on this basis." (Emphasis in original)* *The Urban Institute, Section 8 Mobility and Neighborhood Health — Emerging Issues and Policy Challenges, April 2000. Edited by Margery Austin Turner, Susan Popkin, and Mary Cunningham Data in this Report helps the local housing authorities to define "areas of poverty and low- income population". The information found in the following Technical Appendices are especially helpful with regard to demographic and income characteristics at the census tract level: o Technical Appendix A — Orange County Minority Population by Census Tract -Page 65- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS ❑ Technical Appendix I — 1999 Federal Financial Institutions Examination Council (FFIEC) Census Report • Population Information by Census Tract for Orange County, CA ❑ Technical Appendix J — FFIEC Definitions of Census Information ❑ Technical Appendix K — 1999 FFIEC Census Report Income Information by Census Tract ❑ Technical Appendix L — 1999 FFIEC Census Report Summary Census Demographic Information by Census Tract ❑ Technical Appendix M — 1999 FFIEC Census Report Housing Information by Census Tract In 2000, the U.S. Department of Housing and Urban Development required all housing authorities in the nation to prepare and submit Public Housing Agency Plans. These plans discuss the housing needs, policies and planned actions of the local housing authorities over one- and five-year time periods. One part of the Plan requires the authorities to spell out the policies and practices that affirmatively further fair housing. • Listed on the next few pages are brief statements that directly or indirectly pertain to fair housing which were included in the Public Housing Agency Plans submitted by Orange County's housing authorities. The statements show the efforts of the housing authorities to provide significant services to help low income and minority population to attain fair housing choices. B. ANAMIM HOUSING AUTHORITY (AHA) 1. Housing Counseling, Education and Outreach "In December, 1998, AHA was designated as a HUD -approved Local Housing Counseling Agency (LHCA). The objective of the LHCA is to provide comprehensive housing counseling, education, and outreach to potential renters, homebuyers and homeowners. LHCA educate renters on their rights, and assist low- or moderate -income renters in obtaining adequate rental housing, provide outreach and education to potential homeowners; educate homeowners about the responsibilities of homeownership; and assist existing homeowners in dealing with default and foreclosure. There are three Housing Counseling Agencies in the County of Orange: 1) Consumer Credit Counseling; 2) Fair Housing Council of Orange County; and 3) AHA. Of these three agencies, AHA is the only agency in the unique position of providing standard housing -Page 66- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • counseling services and rental subsidy assistance to its clientele. AHA's comprehensive housing services together with the job training services provided by the City's WIA staff enables the Community Development Department to offer a "one-step" shopping approach to its clientele.." 2. Affirmative Marketing/Deconcentration Policies "To increase awareness of AHA's resources among families of races and ethnicity's with disproportionate needs, AHA will continue to affirmatively market its programs to those families. AHA works closely with the Orange County Fair Housing Council to ensure its participants are educated regarding their fair housing rights, and receive legal assistance and advice should they encounter housing discrimination. To affirmatively further fair housing, AHA will continue to -counsel Section 8 tenants as to the location of units outside areas of poverty or minority concentration and assist them in locating those units. AHA will also market its Section 8 Program to owners outside areas of poverty/minority concentration." 3. Fair Housing Services • "Using CDBG funds, the City provides fair housing services through the Fair Housing Council of Orange County. This program is designed to affirmatively further the fair housing objectives of Title VII of the Civil Rights Act of 1968. In 1996, City of Anaheim joined together with surrounding cities to form a consortium and have an Analysis of Impediments to Fair Housing conducted." Ll C. GARDEN GROVE HOUSING AUTHORITY 1. Deconcentration Policies Comment from Resident:Regarding deconcentration, what type of barriers will you look at and how will the neighborhood be selected? Who will select these neighborhoods? Response: The Garden Grove Housing Authority will select the neighborhoods based on data received from the building department and housing records that show where Section 8 housing is available and where it is absent. We will look at barriers such as income level, owner's unwillingness to deal with a Housing Authority, and issues of racial or ethnic bias. -Page 67- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • 2. Outreach Policies "Comment from Resident: Outreach programs need to address and promote a better image of people applying for housing. Target the American Indian population, veterans, and small families. Response: The Garden Grove Housing Authority speaks at various meetings to promote the Garden Grove Housing Authority, its participants, and programs. Staff is willing to speak before interested groups such as the Apartment Owner's Association and local social service agency meetings. Our application process attempts to advertise effectively to inform all minority groups." "Over the next five-year period, the Garden Grove Housing Authority will attempt to attract new landlords to participate in the Section 8 program by speaking at the- Orange County Apartment Owners Association, the Garden Grove Chamber of Commerce, and other interested neighborhood organizations." "Year I Action: Develop an outreach program to different organizations of apartment/rental owners and developers to inform owners of rental properties of the program and its benefits. Year I Action: Identify those higher income neighborhoods and the reasons for the lack of Section 8 participants not residing in the area. Years 2-5: Select one neighborhood per year, identify barriers to Section 8 participants moving into the area, develop an outreach strategy to owners of rental properties, and assist interested participants to move into the area." 3. Access to Assisted Housing "Undertake affirmative measures to ensure access to assisted housing regardless of race, color, religion, national origin, sex, familial status, and disability. Measure: Enter into and maintain a contract with the OC Fair Housing Council to: ensure City staff, landlords and tenants are educated about fair housing law, provide landlord/tenant dispute mediation services, investigate and respond to allegations offair housing violations, complete a Housing Impediments Analysis to enable the City to address and resolve fair housing problems." "Year 1— 5 Actions: Continue to work with service agencies and landlords to provide elderly and disabled participants with: • Lists of buildings that are accessible and/or have handicap improvements. -Page 68- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • Service organizations that provide funding that the elderly and disabled may use for handicap improvements. Service agencies that can be called upon to give assistance to an elderly or disabled participant who has a special need to which the Authority cannot assist." 4. Ensure Equal Opportunity in Housing for all Americans "Promote fair housing and the opportunity for very low-income families of all ethnic backgrounds to experience freedom of housing choice." "Continue to provide outreach to owners and organizations to explain the program to them and to provide mediation assistance should problems arise." "Provide referrals to the Fair Housing Council of Orange County when the Authority received complaints of possible housing discrimination." "Invite the Fair Housing Council of Orange County to make presentations to Authority Staff regarding equal opportunities for fair housing. • Include fair housing information in all tenant briefing packages. Undertake "outreach" efforts to ethnic protected . class populations (e.g. Spanish and Vietnamese) via speaking engagements and participation in other community events." "Continue to work closely with the Fair Housing Council and to include their information in participant briefings." "Continue to mediate problems that participants encounter. If participants experience any form of discrimination, refer them to the Fair Housing Council." 5. Affirmative Measures — Disabilities "Continue to work with service organizations that provide support services and assistance in making handicap modifications to units in order to enhance their livability for persons with disabilities." "Continue to work with owners to make the special accommodations that a person with disabilities may require." -Page 69- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • D. SANTA ANA HOUSING AUTHORITY The SARA conducted a survey of priority housing needs during preparation of the Public Housing Agency Plan. Almost 83% of the survey respondents stated that they agreed there was a need to respond to complaints of housing discrimination in the community. Measures to ensure access to assisted housing regardless of race, color, religion, national origin, sex, familial status, and disability include: Provide referrals to the Fair Housing Council of Orange County when the Authority receives complaints of possible housing discrimination. Invite the Fair Housing Council of Orange County to make presentations to Authority staff regarding equal opportunities for fair housing (at least one presentation per year). Assist the City with preparation and implementation of the Analysis of Impediments to Fair Housing Choice (AI). • Include fair housing information in all tenant briefing packages. Provide fair housing information and materials in all landlord -training sessions. Undertake `outreach' efforts to ethnic and protected class populations (e.g., Cambodian and Vietnamese) via speaking engagements and participation in other community services. A goal of the Authority is to: "Promote fair housing and the opportunity for very low- income families of all ethnic backgrounds to experience freedom of housing choice." A Plan strategy of the SAHA is to "Affirmatively market to races/ethnicity's shown to have disproportionate housing needs." The following are activities the Housing Authority stated would be conducted to affirmatively further fair housing: Counsel Section 8 tenants as to location of units outside of areas of • poverty or minority concentration and assist them to locate those units. -Page 70- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS is Market the Section 8 program to owners outside areas of poverty/minority concentrations. Implement MOU for "Mobility Program" between the four Public Housing Authorities operating in Orange County. During the course of preparing the Public Housing Agency Plan, the Authority solicited recommendations from the Resident Advisory Committee. Listed below are recommendations and responses in the fair housing area. Recommendation: Families with rental assistance are discriminated against most of the time. No one is willing to rent their apartment or house to people who receive rental assistance. The Housing authority should have a program to address this type of discrimination. Response: As part of the existing Section 8 rental assistance program, applicants and participants are provided information and referral resources for reporting all forms of housing discrimination. Providing these resources is an ongoing objective of this Plan. Recommendation: Many individuals are under impression that the • Authority limits units to certain areas of Santa Ana, i.e., `bad areas.' The Authority should consider rating neighborhoods. Response: The SAHA sets no limits on areas where program participants can lease units. The Authority has established a mobility agreement with the County of Orange that greatly expands the geographic are to find housing units. The Authority also encourages program participants to screen areas before leasing a unit. E. ORANGE COUNTY HOUSING AUTHORITY Founded in 1972, the Orange County Housing Authority (OCHA), is part of the Orange County Housing and Community Development Department and its Director is Executive Director of OCHA. OCHA administers the tenant -based Section 8 rental assistance program in the unincorporated area and 30 participating cities. In addition to these households, OCHA provides assistance to clients who have elected to use their assistance in locations outside of OCHA's jurisdiction. These clients are assisted through either • mobility or portability provisions. -Page 71- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • OCHA has adopted affirmative measures and activities to further fair housing. These measures and activities, which are listed below, are contained in the Housing authority's 5-Year Agency Plan. The affirmative measures are: Undertake affirmative measures to ensure access to assisted housing regardless of race, color, religion, national origin, sex, familial status, and disability in conjunction with the Orange County Fair Housing Council. Undertake affirmative measures to provide a suitable living environment for families living in assisted housing, regardless of race, color, religion, national origin, sex, familial status, and disability, utilizing the Orange County Housing Authority's referral list. Undertake affirmative measures to ensure accessible housing to persons with all varieties of disabilities regardless of unit size required, working with County agencies and community -based organizations for special needs clients and providing special accommodations, when necessary. With regard to the conduct of activities to affirmatively further fair housing: • Counsel Section 8 tenants as to location of units outside areas of poverty or minority concentration and assist them to locate those units. Market the Section 8 program to owners outside areas of poverty/minority concentrations. Payment standards (@ 110% of FMR) for high rent areas and reasonable accommodation. -Page 72- IV. OVERVIEW OF LENDER LOAN UNDERWRITING CRITERIA ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS 0 A. FAIR HOUSING NOTICES As a means of determining the practice of fair housing opportunity in the sales housing market, it is important to evaluate lending procedures and requirements. The establishment of the Federal National Mortgage Association, or Fannie Mae, as a secondary mortgage market, necessitated the standardization of lending practices. Therefore, banks and other lending institutions developed or adopted procedures that would facilitate the purchase of their loans by Fannie Mae. Lender loan packages are mostly standardized and include checklists, questions and answers, worksheets and information on types of loans available. This type of material can aid in the decisions a potential borrower needs to make. Many lenders use the Fannie Mae "Uniform Residential Loan Application." The loan packages contain a separate section or document that outlines fair housing including a "Fair Lending Notice" and "Nondiscriminatory Loan Underwriting Standards". In addition to these notifications, the packages identify entities to contact if a borrower believes he/she has been discriminated against. The "Equal Housing Lender" symbol is evident in loan packages provided to rborrowers. B. OVERVIEW OF UNDERWRITING CRITERIA A detailed summary of Loan Underwriting Criteria is presented in Technical Appendix D. The underwriting criteria are explained for Fannie Mae, Freddie Mac, FHA, VA, and a major bank -lending program. An overview is given in this sub -section of the principal components of lender underwriting criteria. The State Department of Real Estate has sponsored the preparation of a report evaluating the availability of mortgage credit in inner cities (defined as census tracts where the median income is below 80% of the median and where more than 50% of the population is a member of a minority group). The report was prepared by Vernazza Wolfe Associates, Inc. The DRE has given permission to Fair Housing Council of Orange County to quote from this report. The balance of the text in this sub -section is based on the DRE report titled "Evaluating the Availability of Mortgage Credit in the Inner Cities." -Page T4- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS 1. Basic Criteria Institutions that have developed their own underwriting criteria stress that the criteria are guidelines and not absolute requirements that must be met by applicants and properties. Although there can be flexibility in the application of these criteria, they do establish basic requirements that need to be met for loan approval. Because a significant portion of lenders and most mortgage bankers eventually sell their loans, it is important that approved loan applications meet the criteria used by the agency or institution that will later purchase the loan. The criteria specify minimum applicant and property standards that generally must be met in order for the loan to be accepted. These criteria cover the following areas: Income, employment, and credit history of the applicant Loan limits, loan -to -value ratios, and down payment Expense ratios (housing and total obligations) • Mortgage insurance requirements Appraisal requirements 2. Income, Employment and Credit History a. Income Information on an applicant's income, employment and credit history is entered on standard forms. Fannie Mae's Residential Loan Form 1003 and Freddie Mac's Residential Loan Form 65 are identical. FHA and VA use their own forms. For all four institutions, income must be verified, and secondary income will be considered if there is a two-year history for such income. FHA has the additional requirement that income from overtime and part-time work and bonuses can be included only if they are projected to continue during the first five years of the mortgage. -Page 75- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • The two key issues regarding income for inner-city loan applicants are as follows: Income verification -- This is difficult if applicants do not receive regular payroll stubs or are paid in cash by their employers. Reliance on secondary income -- This can be a problem due to lender concerns about instability of income from second jobs or overtime. b. Employment Employment also must be verified for the two years prior to filing the loan application. There is concern over "job-hopping." FHA and VA criteria do not refer to job-hopping, but Fannie Mae and Freddie Mac make specific references to it. Their concern is that job-hopping without advancement may lead to unstable income. Freddie Mac's criteria, however, refer to the fact that job-hopping may occur because of race or sex discrimination. A secondary problem is the verification of employment with an employer who cannot speak English. • c. Credit History E Complying with credit history criteria is one of the biggest problems facing inner-city loan applicants. A standard residential mortgage credit report is used by all the institutions except Freddie Mac, which relies on the mortgage originator to evaluate credit history. The main areas of concern for inner-city applicants are as follows: Existence of a credit history -- In the past, if loan applicants did not have any evidence of a credit history, e.g., they paid their bills directly, they could be denied a loan. The problem was not a poor credit history, but no documented credit history. The current underwriting criteria for both Fannie Mae and Freddie Mac state that if the applicant does not have a credit history (since credit had not been used in the past), the lender can develop a credit history by using information from rent or utility payments or from other information that demonstrates the borrower's ability to make periodic payments over an extended period of time. -Page 76- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • Other credit history related criteria include late payments, foreclosures and bankruptcies: History of late payments -- Occasional late payments over several years is not a problem. However, if there are several late payments, particularly if the dollar amount is significant or more than one debt is involved, the lender must determine if there are extenuating factors or if the late payments reflect an inability to meet financial obligations. If written explanations can be provided for these extenuating factors, the criteria provide the flexibility to approve the application, despite a history of late payments. Prior foreclosures -- For all institutions, prior foreclosures are acceptable, as long as they occurred in the past. The amount of elapsed time required between the foreclosure and loan application may vary. Fannie Mae and Freddie Mac both, specify more than three years; FHA and VA do not specify a time interval. Bankruptcies -- Similar to foreclosures, bankruptcies do not automatically disqualify an applicant, if good credit has been reestablished and maintained. The institutions vary in the amount of elapsed time required. Fannie Mae and Freddie Mac both specify two years, VA states five years, • and FHA criteria specify one year. Fannie Mae, Freddie Mac, and VA can consider shorter periods if documentation is submitted that demonstrates that the circumstances leading to the bankruptcy were beyond the applicant's control and are unlikely to occur again. An example of such circumstances would be the incidence of unusual medical bills not covered by insurance. 3. Loan Limits, Loan -to -Value Ratios, Down Payments, and Savings a. Loan Limits The loan limit is the maximum amount that an applicant may borrow. FHA and VA loan limits are lower. The Orange County FHA limit for a one unit home is $219,849. (FHA Mortgagee Letter 99-38) Although there is no actual VA limit, a limit of $252,700 is determined by the secondary mortgage market. The Fannie Mae and Freddie Mac loan limits are increased periodically and currently stand at $252,700. These limits can be a problem in general for loan applicants in cities with high housing prices and do not necessarily present more of a problem for • inner-city borrowers. -Page 77- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS b. Loan -to -Value Ratios The loan -to -value (LTV) ratio denotes the percentage of the purchase price that is covered by the loan. Assuming no secondary financing, a higher LTV ratio requires a smaller down payment. For both Freddie Mac and Fannie Mae, the maximum LTV ratio for a fixed rate loan is 95%. For FHA loans, the maximum LTV ratio cannot exceed 97% of the first $25,000 of appraised value and 95 % of the amount above $25,000. VA loans have slightly higher LTV ratios; the limit is 100 % of the first $25,000 and 95% of the amount above $25,000. c. Downpavments and Savings Requirements covering down payments, closing costs, and amount of savings required establish the minimum amount of cash reserves needed to qualify for a loan. Loans with higher LTV ratios require lower down payments. Closing costs • are not specified by the underwriting criteria but are included in the estimate of savings. required. For Fannie Mae and Freddie Mac loans, the savings must cover down payment; closing costs, and an amount equivalent to two months of principal, interest, taxes and insurance (PITI), which is not required of FHA and VA loans. Low- and moderate -income loan applicants may encounter problems in accumulating an adequate level of savings. In all cases except VA loans, the criteria further stipulate conditions that apply in the event that a portion of the down payment does not come from borrower's own funds. Gifts are acceptable if they are from relatives. Fannie Mae and Freddie Mac have additional restrictions on the use of gifts. • -Page 78- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS 4. Debt -to -Income Ratios • The ratio of housing expense to income and the ratio of total obligations to income are underwriting criteria that are frequently used to screen applicants. They compare current income to future estimated housing expenses as well as other debts. The definition for housing expenses is essentially the same for all institutions and includes the following: mortgage payments (principal and interest), insurance, real estate taxes, mortgage insurance (if applicable), and, when applicable, payments required for homeowners' associations and secondary financing. VA also includes estimated maintenance and utility expenses. In estimating the housing expense -to -income ratio, before tax income is generally used. The ratios for Fannie Mae and Freddie Mac are essentially the same (not to exceed 28%), although Freddie Mac stipulates that the ratio can exceed 28% in exceptional circumstances. For FHA, the ratio should not exceed 29%, although compensating • factors may be considered. Also, if the borrower invests 25% or more cash (not including gift funds) in the purchase, this ratio is not considered. (VA does not specify a ratio.) The total obligations -to -income ratio examines projected housing expenses, monthly payments on installment and revolving debt, and monthly alimony, child support or maintenance payments. The maximum ratio is 36% for Fannie Mae, 33 to 36% for Freddie Mac, and 41% for FHA and VA loan applicants. In all cases, these ratios may be higher if compensating factors such as excellent long-term credit, significant liquid assets, or potential for increased earnings can be established. 5. Mortgage Insurance Requirements Mortgage insurance, an additional requirement sometimes placed on the potential borrower, increases housing expenses. For FHA loans, FHA mortgage insurance is • required. For Freddie Mac and Fannie Mae, private mortgage insurance is required. However, on loans with low LTV ratios (less than 80 %), this requirement may be -Page 79- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • waived. (VA criteria do not specify mortgage insurance requirements because VA's guarantee is used in place of private mortgage insurance.) 6. Appraisal Requirements All institutions use the same appraisal form, the Uniform Residential Appraisal Report. At the top of this form, there is a note that states; "Race or the racial composition of the neighborhood are not considered reliable appraisal factors." There is also concern that the age of the house not be a detrimental factor. Actual and effective age are required, and mortgages on older properties are still provided as long as the houses will be acceptable to homebuyers in the property's market area. In general, FHA guidelines specify the appraisal criteria in much greater detail than the other institutions do. For example, FHA requires an additional form known as a Valuation Completion Sheet when a deficiency is found. This sheet specifies which deficiencies may have adverse effects on health and safety or marketability of the • property. These deficiencies must be corrected before loan closing. FHA also requires that significant differences between the actual and effective are be explained. Effective age is the number of years of age that is indicated by the condition of the structure, L distinct from the chronological age. Potential problem areas for inner-city applicants include the following appraisal criteria: Housing characteristics -- If layout or heating and cooling systems are not acceptable to the market, then adjustments in price need to be made. Detrimental conditions such as deferred maintenance and lack of updating can also detract from value. Surrounding neighborhood -- The basic concern is that the neighborhood should be acceptable to a sufficient number of buyers to support an active market for the property. Attributes such as mixed land uses, shifts from owner to renter occupancy, and deteriorating properties are perceived to contribute to unstable values. In general, some deficiencies, such as poor street maintenance, and irregular lots, are acceptable if these deviations are typical of the neighborhood. -Page 80- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS 7. Comparison with Lenders' Criteria • Several of the key informants who were interviewed represented portfolio lenders. They reported that for the most part, the criteria used by portfolio lenders are similar to those described above, with the following exceptions: In some cases, these lenders will not make loans that exceed a 90% LTV ratio. They are willing to use high housing expense and total obligation ratios if the LTV ratio is 80% or less. One lender stated that they would use ratios that exceeded 33% (housing expenses) and 55% (total obligations) if the LTV ratio were lower. Expectations about credit history and employment verification were similar to other lenders. Other lenders that sold loans on the secondary market mentioned they rarely arrange for loans that exceed 90% LTV ratio. It is likely that lenders seek to minimize their exposure to loans at higher risk of default. If a lender originates a loan that is sold on the secondary market and defaults, the loan is returned to the originating lender. Therefore, although the standard secondary market criteria permit high LTV ratio loans, in practice, • lenders may not approve such loans because they have ultimate responsibility in case of default. Finally, it should be noted that the application of criteria by lenders is a dynamic process. Since the supply of money varies during even relatively short intervals (less than six months), lenders may be more flexible in their use of criteria one -month and more stringent the next month. -Page 81- V. COMMUNITY REIlVVESTMENT ACT AND HOME MORTGAGE DISCLOSURE ACT 0 ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS 0 A. THE COMMUNITY REINVESTMENT ACT 0 The Community Reinvestment Act (CRA), enacted in 1977, requires every federal financial supervisory agency to use its authority when conducting examinations to encourage the financial institutions it supervises to help meet the credit needs of the community it serves. The CRA requires a basic level of service to the community, by requiring financial institutions not only to meet depository needs but also credit needs of local communities, including low- and moderate -income communities. The law encourages banks to identify the credit needs of the local community, including low- and moderate -income neighborhoods and the level of programs to respond to those needs. Through the CRA, banks are encouraged to implement the following actions: ❑ Participate in various government and privately insured loan programs. ❑ Develop and advertise services to benefit low- and moderate -income persons, such as, government check cashing and low-cost checking accounts. ❑ Target and implement marketing strategies to inform low- and moderate - income groups of loan and deposit services available to them. ❑ Contact local government leaders, economic development practitioners, businesses and business association and community organizations to discuss the financial services that are needed by the community. ❑ Participate and provide assistance to community development programs and projects. ❑ Invest in state and municipal bonds. Through the CRA, local officials can set up a successful dialogue with financial institutions, and evaluate the credit and depository needs of its citizens. Together with the Home Mortgage Disclosure Act, this information provides tools to help local governments and community organizations make sure that financial institutions invest in low- and moderate -income areas. -Page 83- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • B. THE HOME MORTGAGE DISCLOSURE ACT 1. Background Since 1976, banks and other lending institutions with branch offices in metropolitan areas have been required, under the Home Mortgage Disclosure Act (HMDA), to disclose to the public, information about the geographic distribution of their loans for home purchases and home improvements. All financial institutions are required to report disposition of mortgage applications to the Federal Reserve Bank. Each application included in the data is assigned to one of following four categories: ❑ Home purchase loans (government and conventional) ❑ Refinancing of home purchase loans ❑ Home improvement loans ❑ Loans on multifamily dwellings Several studies suggest that rejection rates are higher for inner-city loan applicants and • that fewer loans are originated in these areas. Most of the empirical studies analyze geographic patterns of mortgage lending using HMDA data combined with census information. These studies examine the relationship between aggregate mortgage lending within a neighborhood and the neighborhood's characteristics without using data on individual mortgage applicants, since applicant data were not available at the time the studies were conducted. Based on quantitative analyses, these empirical studies conclude that there are geographic differences in lending activities. (Emphasis added) 2. Disposition of Loan Applications When reporting on the HMDA data, the Federal Reserve publishes a national summary and then furnishes more detailed information on each metropolitan statistical area (MSA). The detailed MSA data are stored in central depositories that make this information available to the public. Using the MSA tables, it is possible to compare loan rejection rates among the following: • a Specific census tracts -Page 84- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • ❑ Census tracts categorized on the basis of income, ethnic composition, and age of housing stock • 0 ❑ Different applicant groups characterized by gender, income, and ethnic groups. -Page 85- 0 VI. MORTGAGE LENDING DISCRIMINATION STUDIES Ll • ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS The purpose of this Section is to provide a general overview rind framework on subjects related.to potential mortgage lending discrimination. The synopsis is based on a review of recently completed national studies. The results of these studies contribute to an understanding of the uses and limits of HMDA data. These results also are helpful to interpreting the HMDA data discussed in the next Section and in Technical Appendix J. The studies also discuss the role of testing in revealing discriminatory lending practices A. EVIDENCE ON MORTGAGE LENDING DISCRIMINATION "Federal law prohibits discrimination in the homebuying process, mandating that all would-be homebuyers must be treated equally by real estate agents, lenders, appraisers, and insurance brokers. However, existing enforcement mechanisms may not be effective enough to guarantee equal treatment or equitable results. Indeed, research clearly shows that minorities still face substantial discrimination in the process of looking for a home to buy (or rent). (Emphasis added) "Many people believe that minorities also face discrimination when they try to obtain a mortgage —a necessity for most Americans wanting to buy a home. There is no question that minorities are less likely than whites to obtain mortgage financing and that, if successful, they receive less generous loan amounts and terms. But whether these differences are the result of discrimination —rather than the inevitable result of objectively lower creditworthiness —is the subject of a raging debate. The problem is not that analysts or practitioners have ignored the question of discrimination in mortgage lending. Many research and investigative studies have addressed certain facets of it, using different data sets and analytic techniques to study various outcomes. The problem is that these studies have not produced a clear consensus on a set of conclusions. (Emphasis added) "Our review of the existing research evidence concludes that minority homebuyers in the United States do face discrimination from mortgage lending institutions. Although significant gaps remain in what we know, a substantial body of objective and credible statistical evidence strongly indicates that discrimination persists. Specifically, we find that: "Discrimination in home mortgage lending takes two forms —differential treatment and disparate impact —and in many instances it is difficult, if not impossible, to disentangle the two. -Page 8T- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS "Despite individual instances of discrimination uncovered at every major stage in the mortgage lending process, almost no research has focused on the advertising, outreach, and referral stage or on the loan administration stage. "Paired testing at the mortgage pre -application stage (conducted by the National Fair Housing Alliance) indicates that differential treatment discrimination occurs at significant levels in at least some cities. "Minorities were less likely to receive information about loan products, they received less time and information from loan officers, and they were quoted higher interest rates in most of the cities where tests were conducted. "Statistical analysis of data assembled by the Federal Reserve Bank of Boston finds large differences in loan denial rates between minority and white applicants, other things being equal. These differences have not been explained away by data errors, omitted variables, or other technical shortcomings. Although it is conceivable that these disparities are attributable to legitimate underwriting standards, the Boston Fed analysis establishes a strong presumption that discrimination exists, shifting the "burden of proof'.to those who would argue that these differences are . entirely due to legitimate underwriting criteria that reflect an applicant's creditworthiness and therefore serve a business necessity. Source: The Urban Institute, Mortgage Lending Discrimination: A Review of Existing Evidence, September 1999. Edited by Margery Austin Turner and Felicity Skidmore. "The vast majority of home buyers require a mortgage loan. Thus, discrimination in mortgage lending can pose a major barrier to home ownership. The first applications of the testing methodology in mortgage lending were small pilot studies of lenders' pre -application behavior in the 1980s and early 1990s. See Smith and Cloud (1996) and Lawton (1996). In 1993, a national testing study of lenders' pre -application behavior was sponsored by the Department of Housing and Urban Development (HUD) and conducted by the National Fair Housing Alliance (NFHA), a coalition of local fair housing organizations. This study conducted black -white and Hispanic -white tests in several cities, with a large number of tests in . Chicago and Oakland and a smaller number in Atlanta, Dallas, Denver, -Page 88- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • Detroit, Richmond, and Norfolk (see Smith and Cloud 1996). This study found adverse treatment of potential black and Hispanic borrowers in a wide range of lender behavior, including the following: "requiring a credit check, completion of an application, or presentation of other documentation prior to scheduling an appointment with African -American and Latino persons while not imposing the same appointment requirements on white persons; "quoting more restrictive qualification standards and ratios to African -American and Latino persons; "making exceptions to qualification standards for white persons while not making the same level of exceptions for African -American and Latino persons; "requiring higher levels of escrow and reserve payments for African -American and Latino persons at the time of closing than for white persons; "providing constructive advice (i.e., paying down debt, obtaining gift letters, explaining credit flaws) to white persons on how to circumvent a potential barrier to qualifications while not providing the same advice or quality of advice to African -American and Latino persons (Smith and Cloud 1996, pp. 598-99). "Thus, testing has proven to be a powerful tool for uncovering discriminatory practices by lenders in the preapplication or loan origination phase of a lending transaction. Fair housing groups also have conducted a few tests that cover mortgage applications (Smith and Cloud 1996), but no large-scale testing study of this type has yet been attempted." Source: Urban Institute, A National Report Card on Discrimination in America: The Role of Testing, March 1999. Edited by Michael Fix and Margery Austin Turner. B. FORMS OF DISCRIMINATION "Much of the current debate about mortgage lending discrimination stems from disagreement about the extent to which differential success in -Page 89- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS obtaining a mortgage is due to credit -relevant factors that vary with race or • ethnicity and how much is due to ongoing discrimination. "Discrimination in mortgage lending can take two different forms. It is important to understand the distinctions clearly, because the different forms of discrimination may require different measurement strategies, as well as different remedies. The fundamental distinction is between differential treatment and disparate impact discrimination. "Differential treatment discrimination occurs when equally qualified individuals are treated differently due to their race or ethnicity. In mortgage lending, differential treatment might mean that minority applicants are more likely than whites to be discouraged from applying for a loan, to have their loan application rejected, or to receive unfavorable loan terms ---even after characteristics of the applicant, property, and loan request that affect creditworthiness are taken into account. A finding of differential treatment discrimination means that minorities receive less favorable treatment from a given lender than majority applicants do with the same credit -related characteristics (as observable by the lender). "Disparate Impact discrimination occurs when a lending policy, which may appear to be color blind in the way it treats mortgage loan applicants, disqualifies a larger share of minorities than whites but cannot be justified • as a business necessity. A widely cited example is the policy of minimum mortgage loan amounts —setting a dollar limit below which a lending institution will not issue mortgages. More minorities than whites will be adversely affected by any given loan cutoff because —on average — minorities have lower incomes than whites and can only afford less costly houses. Policies such as minimum loan amounts, which disproportionately affect minorities, are illegal unless they serve an explicit business necessity. If these policies do not accurately reflect creditworthiness, or if they could be replaced by policies serving the same business purpose with a less disproportionate effect on minorities, then they are deemed under federal law to be discriminatory. "The point for public policy is that policies that are discriminatory in effect may have adverse consequences of equal or greater magnitude than practices that treat individuals differently on the basis of their race. Federal policy makes disparate impact discrimination illegal so that institutional policies do not simply perpetuate patterns of racial inequality, many of which are the consequence of past discrimination. In other words, achieving a world of truly fair lending will require remedies that go beyond color blindness." "Redlining. Discrimination against minority borrowers (both differential • treatment and disparate impact) can take place at the neighborhood as well as the individual customer level. Discrimination based on location is often -Page 90- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS referred to as redlining because, historically, some lending institutions were found to have maps with red lines delineating neighborhoods within which they would not do business. Redlining is typically measured in two ways (see chapter 4). The first focuses on the case -by -case process of approving or denying loans. Redlining is said to occur when otherwise comparable loans are more likely to be denied for houses in minority neighborhoods than for houses in white neighborhoods, even though all credit -relevant characteristics of applicants, properties, and loans are the same. Studies of this kind of redlining face the same basic challenge as studies of discrimination against individual applicants, namely to find a data set with adequate information on loans and applicants, including applicant credit history. The only studies of redlining with such information turn out to be based on the Boston Fed Study's data. Two of these studies find no evidence of redlining, but a third, which accounts for the relationship between redlining and private mortgage insurance, finds redlining against low-income neighborhoods, which in Boston are largely black (Tootell 1996a; Hunter and Walker 1996; Ross and Tootell 1998). "The second approach to the measurement of redlining focuses on aggregate lending outcomes. In this context, redlining is said to occur when minority neighborhoods receive a smaller volume of mortgage loan funds than white neighborhoods that are comparable in all relevant respects. This approach has received more empirical attention than the individual -level approach. Most studies focus on outcomes by census tract, while one attempts to isolate the role of lenders (Schill and Wachter 1993; Phillips -Patrick and Rossi 1996). Many studies in this literature find evidence of redlining, but others do not, and no consensus has yet emerged on the extent of redlining or appropriate methods for measuring it" Source: The Urban Institute, Mortgage Lending Discrimination: A Review of Existing Evidence, September 1999. Edited by Margery Austin Turner and Felicity Skidmore. RESULTS OF TESTING "While HUD, DOJ, and private fair housing groups have had the most extensive experience with testing in general and most lending testing has been conducted by NFHA or private agencies receiving HUD funding, both the Office of the Comptroller of the Currency (OCC) and the Federal Trade Commission (FTC) have also used testers in conjunction with their regulatory responsibilities. Both of these agencies also participate as part of the federal government's Fair Lending Task Force. An informal body established in 1994, its membership includes the various federal agencies with jurisdiction over the lending practices of banks or other financial institutions. ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • "Over the past two years, the OCC has tested eight institutions selected primarily on the basis of Home Mortgage Disclosure Act (HMDA) data. The OCC tests have been conducted under contract by private fair housing groups. To date, OCC testing has not led the agency to conclude there was a basis to believe discrimination had occurred. The FTC has used testing in conjunction with its enforcement of the Equal Credit Opportunity Act. Over the past 14 years; the FTC has completed several hundred tests, the great majority of which have been conducted by telephone rather than through on -site visits by testers. The practices challenged by the FTC have included such things as the improper exclusion of child support, alimony payments, and retirement income from calculations of assets and income in determining creditworthiness, and the illegal consideration of the credit applicant's age, race, and national origin or marital status. The FTC has brought a total of 20 cases using testers, all of which have been settled." Urban Institute, A National Report Card on Discrimination in America: The Role of Testing, March 1999. Edited by Michael Fix and Margery Austin Turner. D. USE OF HMDA DATA "HMDA data are routinely used to compare a lender's denial rates for minority and white loan applicants, as a measure of their loan performance • with regard to minorities. But HMDA data alone cannot prove or disprove the existence of lending discrimination, because they do not provide enough information to control for all relevant differences between white and minority borrowers. Even though HMDA data now include borrowers' race and income, they do not include critical information on the wealth and debt levels of loan applicants, their credit histories, the characteristics of properties serving as collateral, the terms of loans for which applications were submitted, or the underwriting criteria used to determine eligibility. Herein lies a good part of the story behind the fierce analytical debate about what can and cannot be said about discrimination in mortgage lending." C, J The Urban Institute, Mortgage Lending Discrimination: A Review of Existing Evidence, September 1999. Edited by Margery Austin Turner and Felicity Skidmore. -Page 92- Ll VII. HMDA DATA ANALYSIS ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS A. BACKGROUND 16 The 1998 HMDA data has been collected and analyzed for purposes of gaining an understanding of the disposition of loan applications, as follows: ❑ Loan originated ❑ Application approved but not accepted by applicant ❑ Application denied o Application withdrawn and file closed due to incompleteness In computing a loan rejection rate based on the HMDA data, it is important to omit from the calculation the applications that were withdrawn and the files that were closed, because these applications were neither accepted nor rejected. Accordingly, they are external to loan rejection calculations. It also is important to note the basic reasons for loan denials. An applicant could be denied for any of eight reasons, in addition to 'other." These reasons are as follows: ❑ Debt -to -income ratio . ❑ Employment history ❑ Credit history is ❑ Collateral ❑ Cash reserves ❑ Income verification ❑ Credit application completeness ❑ Mortgage insurance availability. Three of these reasons are most often cited for application denial, regardless of income or race of applicant. These are debt -to -income ratio, credit history, and collateral. The following Technical Appendices contain HMDA-related information: o Technical Appendix E — FFIEC Home Mortgage Disclosure Act (HMDA) Aggregate Reports. This Technical Appendix contains the very specific 1998 data on loan dispositions by census tract for all of Orange County. It provided the basis for the loan denial calculations included in Technical appendices F, G and H. -Page 94- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS . a Technical Appendix F — Home Mortgage Disclosure Act (HMDA) Data: Overview of HMDA Data and Loan Denial Rates. This Technical Appendix contains a general summary of the loan denial rates by city. The calculations are aggregations of the more detailed census tract information found in Technical Appendix E. The following four tables are found in this Appendix: • Table F-1: Rank Order of High Denial Rates (20%+) By Entitlement City for Census Tracts with 100+ Applications Table F-2: Rank Order of High Denial Rates (20%+) By Urban County City for Census Tracts with 100+ Applications Table F-3: Rank Order of Denial Rates By Entitlement City for Census Tracts with 50%+ Minority Population Table F-4: Rank Order of Denial Rates By Urban County City for Census Tracts with 50%+ Minority Population ❑ Technical Appendix G — HMDA Data by for Entitlement Cities. This Appendix includes loan dispositions and denial rates for each entitlement city at the census tract level. The change between 1994- 1998 also is presented for each city. ❑ Technical Appendix H — HMDA Data for the Urban County. This Appendix includes loan dispositions and denial rates for each Urban County City at the census tract level. The change between 1994-1998 also is presented for each city. ❑ Technical Appendix I — 1999 Federal Financial Institutions Examination Council (FFIEC) Census Report Population Information by Census Tract for Orange County, CA ❑ Technical Appendix J — FFIEC Definitions of Census Information. This Appendix provides the definitions of the terms used in all the other appendices containing the HMDA related data. ❑ Technical Appendix K — 1999 FFIEC Census Report Income Information by 'Census Tract. This Appendix contains a variety of income data, including poverty level incomes. ❑ Technical Appendix L —1999 FFIEC Census Report Summary Census Demographic Information by Census Tract. Key demographic indicators are included in this Appendix for of Orange County's census tracts. -Page 95- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS a Technical Appendix M — 1999 FFIEC Census Report Housing Information by Census Tract. Key housing data are found in this Appendix for all the census tracts located in Orange County. a Technical Appendix N — Orange County HMDA Data by Race and Type of Loan In this Appendix, HMDA data are presented on loan approvals and denials by race, gender and income for conventional loans, FHANA loans, refinancing and home improvement loans. The information contained in the Technical Appendices provides a resource database that can be used by cities and housing authorities. More detailed analysis, for instance, can be accomplished by cities as part of their housing element revisions and marketing of first time homebuyer and home improvement programs. The data also can provide a basis for neighborhood planning studies. The local housing authorities also may use the data found in the technical appendices. These data will be useful to the ongoing implementation of deconcentration policies, as statistics are included on both poverty level and minority group populations. B. HMDA DATA ANALYSIS During the early and mid 1990's Orange County was mired in a real estate recession. As a result, the volume of home loans was relatively low since the home sale market was slow. As the County emerged from the recession, the volume of home sales, and therefore loans processed, increased. All but one of the entitlement cites (Fullerton) experienced increases in the number of home loan applications. Some of the increases were quite dramatic. The largest %age gains occurred in the cities of Irvine (107.8%), Orange (88.1%) and Tustin (85.8%). While the gains seen in these cities could be attributed to the construction of new housing, and thus increases in loan application, the city of Buena Park which is largely built -out, saw an increase of 82.4%. Along with the increase in loan activity, the county also saw a decrease in the number of loans denied. All but one (La Habra) of the entitlement cities experienced a decrease in the number of loans denied. The City of Newport Beach saw a nearly 5% decline in the number of loans -Page 96- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • loans denied. The City of Newport Beach saw a nearly 5% decline in the number of loans denied. In 1994, seven of the entitlement cities had loan denial rates over 20%. By contrast, E only two cities (La Habra and Santa Ana) had loan denial rates over 20% in 1998. With respect to conventional loans, all but one city (La Habra) saw a decrease in the loans denied. The largest decline in conventional loans occurred in the City of Buena Park. From 1994 to 1998, the percentages of loans declined went from 19.69% to 14.82%. On the other hand, La Habra increased from 19.09% to 23.55%. While there was a clear reduction in the percentage of all loans denied, there was a surprising increase in the number of FHA loans denied. All of the entitlement cities had increases in the percentage of FHA loans denied. Excluding Newport Beach, which did not have any FHA loans in 1994, the City of Fullerton had the largest change in FHA denials going from 5.86% in 1994 to 14.52% in 1998. By marked contrast to the entitlement cites, the urban county cities were quite different. Ten of the eleven cites that were incorporated in 1994 and 1998, for which data was available, actually saw decreases in loan activity. These ten cities also all saw decreases in the percentage of loans denied. The general trends with respect to FHA and conventional loans were similar to the entitlement cities. All of the entitlement cities had occurrences of individual Census Tracts with 100+ loan applications, and denial rates over 20%. The five Census Tracts with the highest denial rates are shown below: Census % % % Tract City Denied Med. Income Minority 748.02 Santa Ana 46.30% 50.00% 80.00% 13.01 La Habra 39.29% 91.00% 23.00% 878.05 Anaheim 36.97% 70.00% 42.00% 878.02 Anaheim 32.56% 80.00% 41.00% 744.04 SantaAna/Tustin 32.41% 61.00% 54.00% -Page 97- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS . Seven of the urban county cites had Census Tracts with 100+ loan applications and denial rates over 20%. However, there were only three census tracts with denial rates over 30%. One of the tracts (1101.12) is shared between the cities of Cypress and Los Alamitos, which had a denial rate of 30.18%. The other two tracts (878.02 and 878.05) are located in the City of Stanton, and are shared with the City of Anaheim. With respect to minority concentration, the majority of the entitlement city census tracts with 50%+ minority concentrations and 50+ loan applications were in the cities of Anaheim (16), Garden Grove (18) and Santa Ana (35). In fact, the City of Santa Ana had nine Census Tracts with minority populations over 90% and 50+ loan applications. Only three of the urban county cites had such concentrations. These cities are La Palma, Placentia and Stanton. Again Stanton shares these Census Tract with the City of Anaheim. C. LOAN DENIAL RATES FOR WHITE AND MINORITY POPULATIONS . According to a recent national study, the minority populations experience higher loan denial rates than the white population. This study* stated: "Large disparities continued to exist in conventional prime home purchase mortgage denial rates, with Black and Hispanic borrowers experiencing over twice the denial rates of White borrowers. These disparities persist even at higher levels of applicant income. "The conventional prime denial rate for Black (Hispanic) borrowers was 2.3 (1.8) times and 2.7 (1.7) times the denial rate for White borrowers in 1993 and 1998, respectively. "In 1998, the conventional prime denial rate for lower -income Black (Hispanic) borrowers was 1.9 (1.5) times the denial rate for lower -income White borrowers; the conventional prime denial rate for upper -income Black (Hispanic) borrowers was 2.5 (2.0) times the denial rate for upper - income White borrowers." *Randall M. Scheessele,1998 HMDA Highlights, U.S. Department of Housing and • Urban Development, July 1998, 37 pgs. -Page 98- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • Orange County HMDA data also are available on the disposition of loan applications for white and minority populations. For HMDA purposes, mortgage applicants must classify themselves with respect to race and Spanish heritage by choosing one of six possible classifications: American Indian, Asian or. Pacific Islander, Black, Hispanic, White or Other. These categories are mutually exclusive. That is, applicants who classified themselves as Hispanic do not appear in other categories such as Black or White. Four types of loans are included in the HMDA data: conventional home purchases, FHA/VA loan applications, refinance applications and home improvement loans. Table 16 provides a comparison of loan denial rates for the white and minority populations. The vast majority of minority applicants were Hispanic and Asian/Pacific Islanders. The minority denial rate for all applications is almost 1.5 times as high as that experienced by the white population, according to Table 16. With regard to conventional loans, the minority denial rate was almost 1.7 times higher than for the white population. The minority denial rates were also significantly higher for FHA/VA, refinance and home • improvement loans. The following table shows the percentage of minority loans denied compared to white applicants broken down by income level. This table illustrates that even at upper income levels there is a significant difference in the percentage of loans denied to minority applicants. For example, at 120+% of the MSN Median income Black applicants were denied conventional loans 25.7% of the time compared to white applicants at a 12.9% denial rate. This is a difference of 12.8 percentage points. • The same disparity can be seen in the denial rates for home improvement loans at 120+1/o MSN Median income levels black applicants are denied at a rate of 31.7% compared to white applicants in the same income bracket who experience a denial rate of 14.1%. More study is needed to determine if the real basis for the disparity is minority status. This in depth analysis of the HMDA data is beyond the scope of this study. -Page 99- i _ • American Indian/ Alaska Native Asian/ Pacific Islander Black Hispanic Minority Total White Total Other Joint White/ Minority Race Not Available FHA, FMHA & VA Loans Originated 40 408 168 3,222 3,838 3,645 139 669 334 App. App'd. Not Acc. 27 17 188 232 179 7 10 10 Applications Denied 6 59 32 600 697 467 26 57 43 Total Applications 46 494 217 4,010 4,767 4,291 172 436 387 Percent Denied 13.04% 11.94% 14.75% 14.96% 14.62% 10.88% 15.12% 13.07% 11.11% Conventional Loans Originated 218 1,426 376 3,181 5,201 29,750 8031 1,719 5,617 App. App'd. Not Acc. 28 225 58 459 770 3,536 124 182 1,311 Applications Denied 59 304 160 1,465 1,988 5,841 255 314 2,314 Total Applications 305 1,955 594 5,105 7,959 39,127 1,182 2,215 9,242 Percent Denied 19.34% 15.55% 26.94% 28.70% 24.98% 14.93% 21.57% 14.18% 25.04% Refinance Loans Originated 175 5,012 494 4,780 10,461 35,212 1,044 1,844 10,120 App. App'd. Not Acc. 45 1,021 100 1,036 2,202 5,833 241 276 3,068 Applications Denied 54 1,390 272 2,138 3,854 8,412 415 365 7,124 Total Applications 274 7,423 866 7,954 16,517 49,457 1,700 2,485 20,312 Percent Denied 19.71% 18.73% 31.41% 26.88% 23.33% 17.01% 24.41%1 14.69% 35.07% Home Improvement , Loans Originated 32 504 70 734 1,340 2,855 1,334 App. App'd. Not Ace. 8 68 9 107 192 538 1,096 Applications Denied 12 216 32 317 577 115 1,939 Total Applications Percent Denied 52 23.08% 788 27.41% 111 28.83% 1,158 27.37% 2,109 27.36% 4,108 17.41%j2V8.67%I3.36% 4,369 44.38%Total Applications 677 10,660 1,788 18,227 31,352 96,983 , 34,310 Percent Denied 19.35% 18.47% 27.74%1 24.80% 22.70% 15.92%1 23.06% 14.28% 33.28% -Page 100- ORANGE t qTy REGIONAL FAIR HOUSING NPEDII •S ANALYSIS • TABLE 17 % DENIED BY MINORITY COMPARED TO % DENIED WHITE 1994 / 1999 DATA <80% 80-90% 100-120% 120% + TOTAL 1994 1999 1994 1999 1994 1999 1994 1999 1994 1999 FNMA FHA, VA x Denied art, Con"red z I Denied art. Congaed x I Denied art. Compered x Denied Dar. CenWnd x I DenNtl Der. Congnd x Denied DIN Compered x Denied art. Compered z Denied art. ConyrtM x Denied art. Coogwd z D.1d an. Corrgaed tomft toftne tomiee toMm Eomift 60MRS tokMibe bVYMe 10 Mae MWhNe Am. Indian 0.0 <7.1> 18.8 6.3 33.3 27.1 0.0 <9.4> 25.0 17.4 0.0 0.0 14.3 9A 27.3 17.1 7.4 21 11.8 0.8 Asian 55.6 48.5 14.4 1.9 7.3 1.1 15.3 5.9 7.5 <.17> 2.9 <5.6> 5.0 0.1 6.1 <4.1> 9.8 4.5 11.9 1.1 Black 8.4 1.3 15.7 3.2 2.4 <3.8> 18.0 8.6 10.3 2.7 15.0 6.5 17.9 13.0 10.0 <.27> 6.1 0.8 15.4 4.6 Hispanic 9.1 20 15.1 26 6.2 0.0 14.9 5.6 4.3 <3.30> 12.5 4.0 6.6 1.7 122 2.0 7.0 1.7 14.6 3.8 White 7.1 - 125 - 6.2 - 9.4 7.8 8.5 - 4.9 10.2 - 5.3 - 10.8 - Ouff 9.7 26 9.5 <3.0> 17.6 11A 23.1 19.2 10.0 2A 15.4 6.9 15.8 10.9 17.6 7.4 9.1 3.8 15A 4.6 Joint 10.3 3.2 13.3 0.8 6.4 0.2 11.5 21 4.3 <3.3> 13A 4.9 4.9 0.0 13.6 3.4 5.7 0.4 12.9 2.1 Race WA 18.1 11.0 20.3 7.8 10.0 3.8 12.0 2.6 9.0 1A 12.3 3.8 11.3 6.4 126 2.4 11.1 5.8 16.8 6.0 TOTAL 8.7 1.6 14.3 1.8 6.5 0.3 12.5 3.1 6.9 <.7> 10.3 1.8 6.0 1.1 10.9 0.7 6.3 1.0 12.9 21 CONVENTIONAL Am. Indian 9.7 <9.2> ' 286 6.8 12.9 3.3 14.6 <.7> 9.4 <4.5> 13.6 <7.1> 14.4 2.3 13.1 0.2 5.8 <1.0> 192 4.4 Asian 14.4 <4.5> 16.2 <5.6> 13.5 <2.7> 12.1 <3.2> 13.0 <.9> 12.1 <2.5> 13.1 0.5 128 _ <0> 7.0 0.2 13.3 <1.5> Black 24.2 5.3 30.9 9.1 21.3 5.1 29.3 14.0 23.5 9.6 22.5 7.9 18.9 6.3 25.7 128 121 5.3 27.0 12.2 Hispanic,28 9.1 WA WA 19.3 3.1 26.1 10.8 19.6 5.7 18.1 3.5 20.6 8.0 18.0 5.1 17.6 10.8 WA WA White 18.9 - 21.8 - 16.2 - 15.3 - 13.9 - 14.6 - 12.6 - 129 - 6.8 - 14.8 Other 28 8.1 33.3 11.5 18.6 2.4 19.5 4.2 12.7 <1.2> 9.8 <4.8> 22.2 9.6 16.4 3.5 10.2 3A 20.3 5.5 Joint 24.1 5.2 27.7 5.9 12-1 <4.1> 20.2 4.9 16.3 2.4 14.1 <.5> 13.5 0.9 11.3 11.6 7.3 0.5 14.2 <,6> Race WA 26.6 7.7 44.1 22.3 21.3 5.1 27.1 11.8 16.3 24 22.2 7.6 15.1 2.5 16.8 3.9 10.5 3.7 25.2 10A TOTAL 20.81 1.91 33.1 11.3 16.41 0.2 17.9 2.61 14.8 0.91 15.51 0.9 13.4 0.8 13.7 0.8 8.2 1.4 17.9 3.1 HOMEIMPROVEMENT Am. Indian 44.4 23.5 31.1 6.2 0.0 <18.1> 12.5 <7.3> 9.1 <11.9 33.3 15.6 8.3 <10.4> 20.0 5.9 10.4 0.2 '23.1 5.9 Asian 35.0 14.1 37.2 123 35.0 16.9 26.9 7.1 26.0 5.4 24.4 6.7 25.3 6.6 23.0 8.9 16.7 6.5 27.3 10.1 Birk 11.1 <9.8> 34.4 9.5 11.1 <7.0> 20.0 0.2 30.0 9A 26.3 8.6 29.7 11.0 31.7 17.6 8A <1.8> 29.9 127 Hispanic 37.1 16.2 36.1 11.2 27.0 8.9 33.3 13.5 32-7 12.1 33.0 15.3 18.7 0.0 27.9 13.8 26.2 16.0 33.7 16.5 White 20.9 - 24.9 - 18.1 - 19.8 - 20.8 17.7 - 18.7 - 14.1 - 10.2 - 17.2 - Other 125 <8.4> 37.8 129 23.5 5.4 22.2 2.4 26.1 5.5 14.3 <3.4> 3D.5 11.8 27.8 3.7 10.8 0.6 28.6 11.4 Joint 27.3 6.4 26.5 1.6 125 <5.6> 21.2 IA 15.3 5.3 10.8 19> 24.2 5.5 10.2 <i.9> 8.3 <1.9> 13.4 <3.8> Race WA W2 35.3 628 37.9 "A 26.0 47.0 27.2 45.0 24.4 41.5 M.8 40.2 21.5 37.7 23.6 29.6 19.4 47.0 29.8 TOTAL 32.8 11.9 43.5 18.6 26.4 8.3 34.0 14.2 28.3 7.7 29.3 11.6 24.3 56 23.2 9.1 16.4 62 30.9 13.7 -Page 101- Business The Orange County Register • Friday, Aug. 25, 2000 Mortgage rates in county,. -drop to 8-month low B DIANA MCCAN The Orange County Register Locking in a traditional fixed-rate mortgage became a bit more palatable • for home buyers this week Rates on 30 year fixed mortgages in Orange County dipped below 7.5 percent, reaching -.an average of 7.47 percent, ac- cording to Mortgage News. That average rate, the lowest since December ow, is based on paying a fee of two points. Mortgage rates have declined steadily from a four-year high of 8.32 percent in May as the prospects for long-term bor- The Federal Reserve reinforced that outlook Tuesday by leaving bank lending rates unchanged amid signs that inflation is under control for now. The rate on the U.S. Treasury 10-year note, whichis the benchmark for fixed-rate mortgages, is 5.71 percent, near a one-year low. Meanwhile, local rates on one-year ad- justable mortgages are averaging 711 percent, unchanged from last week but down from 727 percent two weeks ago. The lower averages come as home sales have slowed and home prices have moderated. In July, the median price of homes sold in Orange County was $264,000, down from June's all-time high of $273,000.- • VIII. REGIONAL FAIR HOUSING PROGRAMS ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS 0 A. BACKGROUND This section provides an overview of the fair housing programs available to the residents in the region. Each year hundreds of complaints are filed alleging violations of the Federal Fair Housing Act as well as California fair housing laws. These complaints are filed with one of three fair housing enforcement programs: the Fair Housing Council of Orange County, The California State Department of Fair Employment and Housing or the Federal Department of Housing and Urban Development. B. FAIR HOUSING ENFORCEMENT The Fair Housing Council of Orange County (FHCOC) administers the local fair housing enforcement program. All entitlement jurisdictions as well as the County of Orange support this local program through annual sub -recipient grantee agreements. Many of the jurisdictions have provided fair housing services in this way for more than 22 years. Most of the jurisdictions provide for fair housing services under the Administrative Category of their CDBG funds. 1. Program Structure A chart of the organizational structure of FHCOC's enforcement program as well as other related data and supporting information are located in appendix Q. The region's program is centralized in one office located in Santa Ana and maintains a toll -free phone number, 1-800-698-fair for local residents. FHCOC is staffed by some of the most respected fair housing advocates in the nation. All staff members have extensive experience, education and training in their respective areas of work. The staff is comprised of 12 fiill-time regular employees, two of who are attorneys and from 5 to 10 part-time law clerks, interns, and volunteers. The agency also has a pool of approximately 60 investigative testers. A volunteer board of directors manages the agency with day to day operations overseen by a President/CEO. The Fair Housing Enforcement Program Manager has 10 years of investigative experience; FHCOC's President/CEO and General Counsel has over 12 years of investigative and legal experience, 9 of that in fair housing. -Page 103- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS Though FHCOC's management structure has changed, its basic program structure and isstaff have not. Through the recent restructuring the agency was able to achieve 0 increased efficiency by hiring additional support staff without increasing overall staffing costs. The agency also added a community relation's specialist to seek other funding sources, insuring a stable financial future. FHCOC has an OMB 133 audit done each year and has always passed the audit without any significant findings. It consistently uses generally accepted accounting and service practices. FHCOC has never lost a fair busing case in which it was a named plaintiff. During the last two years the agency successfully concluded cases with more than %a, million dollars in settlements. One of the primary reasons for this success rate is the current staffs ability to objectively investigate and evaluate discrimination allegations. 2. Program Process FHCOC's enforcement efforts are directed toward objectively investigating individual allegations of discrimination. If objective evidence of discrimination is found in the course of investigations then the agency determines if the discriminatory conduct impacts a significant portion of the population or is of such an egregious nature that FHCOC itself has a duty to insure prosecution of the illegal conduct. FHCOC helps its clients prosecute claims on an individual basis when it finds evidence of discrimination but the impact is not significant or the conduct is not considered egregious. This is accomplished through providing its clients with all options available to them, including, but not limited to: do nothing, mediation, DFEH, HUD, federal or state legal action with private legal counsel. The following is a flow chart for a typical fair housing complaint. -Page 104- FAIR HOUSING CO DISCRIMINAAd UNTY ORANGE IL PROCESS -Page105- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • FHCOC works with all entitlement jurisdictions to effectively counteract housing discrimination in Orange County, giving residents the right to live where they choose to and can afford to live. The structure and process of the Fair Housing Council of Orange County has proven to be a highly effective private -public partnership in the regional area. FHCOC has been recognized nationally as one of the most cost effective and service effective fair housing organizations in the United States. Its centralized program structure reduces the overall cost to all of the local jurisdictions providing high quality services at less than half the cost of individual programs. The Fair Housing Council of Orange County is monitored by HUD and has made significant improvements based on these reviews. FHCOC staff work very hard to affirmatively farther fair housing within the constraints of the available resources. 3. Process Objectivity and Fairness • The Fair Housing Council of Orange County responds to all complaints of discrimination it receives. (See the flow chart regarding the complaint process.) Each investigation begins with an objective analysis of the allegations and ends with an objective analysis of the facts. Each case is reviewed individually to determine the best and most appropriate course' of action if evidence of discrimination is found. Many cases warrant educational intervention and are easily resolved in this manner. However, FHCOC has a proven track record of providing effective enforcement of the fair housing laws. It also has considerable respect within the housing industry, providing training for the Apartment Associations of Orange County and Los Angeles. 4. Fair Housing Reporting Requirements All jurisdictions require comprehensive reports and all receive the reports on a monthly or quarterly basis. These reports are used by FHCOC to make administrative decisions regarding the focus of education and enforcement resources. Annual reports have been used to target 2 or 3 major enforcement areas. -Page 106- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • 5. Court Determinations of Discrimination No court determinations of discrimination in any aspect of the jurisdictions' community development or housing programs were disclosed or discovered through this analysis. 6. Information & Educational Programs FHCOC has provided extensive educational programs to residents of Orange County since 1965. Over the past 10 years FHCOC has developed industry -training courses that assist housing providers in complying with the law. The training provided to the community by FHCOC affects more than 30,000 units each year in Orange County. The Council also provides on going technical assistance to community groups and housing providers. FHCOC also conducts or participates in over 100 housing related events each year that provide information to Orange County residents, including about 70 community education presentations. The presentations are given in three different languages, English, Spanish and Vietnamese and include landlord -tenant, fair housing and first time homebuyer seminars. FHCOC'produces a quarterly informational newsletter that is distributed to more than 350 organizations and individuals through the mail as well as being used as a handout at educational seminars. The Council also conducts an annual poster contest through the Orange County School system. Teachers are encouraged to participate and prizes are awarded to the four posters that best express the annual fair housing "theme." In an effort to reach an even broader audience, FHCOC produced its own PSA during the 1999100 fiscal year and distributed it to all local and network television and radio stations. It is playing on network stations and has been seen throughout Southern California. It is also played at every major Orange County mall in the food court area approximately every 30 minutes. -Page 107- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS Though jurisdictions did not report having specific fair housing education systems in place for employees having duties that impact on fair housing, FHCOC provides training for housing authorities as well as an informal information system as needed. 7. Program Effectiveness The overall FHCOC programs have proven highly effective in informing the public about fair housing laws and enforcing those laws in appropriate cases. Over the past few years the Council has been instrumental in the settlement of 8 cases valued at over $880,000. It has also stopped the previously expanding practice of charging families a surcharge based upon the number of persons in the household. 8. Community Conflict There are no areas within Orange County in which racial or ethnic conflict is ongoing or evident. Incidents of reported conflict generally revolve around persons exercising their first amendment rights to speak at government meetings and as such are isolated • incidents. • In addition to FHCOC's community education efforts the Orange County Human Relation's Commission focuses on educating the community on issues involving racial or ethnic issues to hate crimes. This group is uniquely qualified to provide assistance to communities experiencing difficult times and is highly effective in avoiding long-term racial or ethnic tensions within Orange County. -Page108- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS C. FINDINGS AND RECOMMENDATIONS 1) This region has a well established and effective private fair housing council that has provided dynamic and comprehensive educational and enforcement programs to the local jurisdictions it serves. This example of public -private partnership continues to be a model for other areas and is considered one of the best in the nation. Recommendation: Local jurisdictions continue to support or operate fair housing services at their present level of effectiveness and responsiveness. 2) This region has not maintained a pro -active position regarding fair lending practices within the region. Efforts over the past four years have been limited to establishing partnerships with universities and other organizations to effect a study of the HMDA data. These activities, though essential, have not had the desired effect of explaining or eliminating the disparity by race and National Origin evidenced by the HMDA data. 0 Recommendation: Local jurisdictions study the HMDA data available more closely to determine the appropriate course of action, if any. This can be done individually or by contract with their local fair housing provider or other outside consultant. 3) Local jurisdictions do not have formal fair housing education systems in place for employees who impact fair housing issues, such as, planning/zoning staff, housing authority staff and code enforcement staff. Recommendation: Local jurisdictions implement a policy that requires all employees whose positions impact fair housing issues attend formal fair housing training on an annual basis. 4) Recent immigrant populations may not have adequate information regarding their basic housing rights, leading to increased opportunities for discrimination to go -Page 109- ORANGE COUNTY REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS • undetected. This will be an ongoing issue due to Orange County's high percentage of new immigrant populations. Recommendation: Local Governments should provide education and outreach to service organizations that specifically assist new immigrant populations. This outreach should consist of educational opportunities as well as written information to educate staff members and pieces that can be provided to their clients. 5) Insurance Companies may be targeting certain zip codes for higher rates of denial or different terms and conditions. This issue was beyond the scope of this AI and as such, no verifiable evidence of differential treatment exists. Recommendation: Local jurisdictions may choose to conduct an audit of local insurance carriers to determine if this is a problem, and if so, isolate the basis for the higher denial rates. • 6) Local entitlement jurisdictions have distinct and independent policies and programs affecting housing development. r] Recommendation: Local governments continue to monitor and review their local policies and programs in regard to fair housing concerns. Jurisdictions should consider requiring all potential recipients of government funds for housing related programs to assist the jurisdiction to affirmatively further fair housing. -Page 110- r1 TECHNICAL APPENDICES REGIONAL IMPEDIMENTS ANALYSIS TO FAIR HOUSING 0 TECHNICAL APPENDIX A Orange County Minority Population by Census Tract (ranked by percent minority) APPENDIX C POPULATION BY CENSUS TRACT (RANKED BY PERCENT MINORITY) TRACT TOTPOP MIIPOP % H16PAMC % ' BLACK % A91AN % NATWE % • 748.06, 6.154. 6.112! 99%I 5,650• 91% 3161 5%I 124; 2%1 1: 0%; 74501 8,5861 8.386, 9e%1 6.819• 79%: 241 0%; 1,533: 18%I 2' 0%; 74a 01 5.704 5,563: 98% I 5,005 88% 1 407 j 7%' 1291 2% I 14' O%! 749.02 6,961' 6,779, 97%1 6.677, 96%1 131 0%1 71. 1%i 2 0%! 749.01 9,193 , 8.822 90%! 85181 93% I 591 1%: 197 2% I 5 0% • 748.05 8,582 6,295 t 96% I 5,998 1 91% i 147 2% 142 2% 1 4 ! 0% • 740.03 2.454 2.331 ' 95%! 2.2751 93% 1 1 ! 0% I 46 , 2% 1 a' 0% 891,05; 6.219 5.8e8, 95%! 5.245I 01% 791 1% 5471 9% 41 74701 8,3y 1 7,a691 94% 1 7.3951 89% I 142 12% 3141 4% 141 0%1 743 3.9981 3,705 94%i 3.7231 93%I 1 0% 351 1% 21 0%j 745.02 8,0751 5.60 94% 1 5,042 ! 84% 1 17I 0% 571 9% 9 0% 752.01 : 5.5071 5.101 93% 1 4.451 81% 1 125 2% 511 9% I 14 0% 746.02. 8,677 ! 7,985 1 92% 1 7.796 90% I 35 0% 133 2% 15 0% 747 02 1 5,87E I 5.3501 92% 1 5.191 a9% 1 25 0% 114 2% 9 0%1 744.05I 6,5w 5,915 91%1 5.7901 a9% 43 1% 72 1% 3 0% 741.01 • 8,256: 7.29a 98% 8,170! 75% 132 2% 9! 41 11% 30 0% 74406, 4.470' 3,9501 aa%I 3,8171 55% 57 1% 72 2% 3 0% 750.02 ! 7.1351 6,2a5 i 88% 5.840 1 am 214 3% 196 3% 10 0% 750.011 10,5991 9.2021 87%1 8.713 82% 313 3% 203 2% 13 0% 752.021 5,4971 4.792 e7x 4,376 80% 132 3% 232 4% 26 0% 742 8.205 ' 7,0001 86% I 6.878 1 84% 1 20 0% 150 2% 13 0% 744.03' t,990 4,265: 85%1 3.7501 75%1 185 4%I 320 6% 111 0% 746.01 7.424 6.2911 85%1 0,099� Mj 27 0%I 143 2% 17 0% 865.02 5.454, 4.596 I 84% 1 4.409 81% 60I 1% 1 1061 2% 11 0% 741.02 6.3851 5,3121 83% 4.202 I 66% 171 3% 9241 15% 5 0% a91.041 5,6911 4,711 1 83% 3,752 I 66% 58 1% 867 15% 23 0% 873 1 7.494 I 6,0401 81% � SAW 76% 1 141 2% 142 2% 31 0% 748.031 7.6171 6,137 j 61% 4,194 55% 336 4% 1.573 21% 18 0% 748.02. 4.522; 3.509 j 80% I 3.198 71% 210 5% 151 3% 13 0% 741.03 I 4,555 i 3.820 j 79% 3,380 74% 19 0% 205 5% 9 0% 1172' 5,a341 4,5791 78% 3,M 66% 209 4% 336 6% 29 0% 992.01 • 10.478. 8,055I 77% 5,955 57% 242 2%' 1,776 17% 50 1% 762.04 3.4131 2.61a j 77% Z315 68% 41 1% 2" 7% a 0% a90.01 , 6.4511 4,941 77% 2874 45% 46 1% 1,992 31% 32 0% 74005; 6.484I 4.801 73% 3.352 52% 125 2% 1,35a 21% 15 0% 87402! 8.4251 6.2551 74% 5.882 70% 127 2% 203 2% 26 0% 0 : 6.7671 4,823 71% 4.101 61% 140 2% 556 8% a 0% 116.02 • 4.7ao 1 3.393 71% 3.113 65% 155 3% 80 2% 17 0% 874031 3,329 2,343 70% 2.199 8e% 41 1% 93 3% 6 0% 890.021 9,032 6.205 80% 3,800 40% 351 4% 2.263 25% 37 0% 7511 9,6" 6.60 69% 6,107 63% 246 3% 238 2% 35 0% 875.01, 5.90 4.084 89% 3,696 62% 53 1% 206 5% 15 0% 870.031 5.075 3,424 67% 2.540 50% 259 5% we 12% 12 0% 566.011 71511 5,053 67% 4.476 60% 163 2% 375 5% 24 0% e89.031 7.400 4.906 87% 1.82D 24% 74 1% 3.031 41% 34 0% 992.021 7.030 4.8141 60% 2.933 42% 70 1% 1.575 22% 32 0% 13.041 3,5611 2,324 65% 2,1es 61% 39 1% 104 3% 7 0% 116.011 7,135 4,6m 65% 3,571 51% 226 3% 574 9% 25 0% 879.01I 2,529I 1,627 64% 1.314 52% 20 1% 287 11% a 0% 865.01 ! 3.8231 2,449 64% Z319 61% 52 1% 56 1% 13 0% 079.021 5.144 3.200 62% 2200 44% 87 2% 1 821 16% 17 0% • 117.191 7.975 4A45 62% 4.291 54% 126 2% 492 a% 23 0% 864.05 5.341 3.300 62% 2,977 50% 109 2% 190 4% 16 0% 986.01 , 6.890 4.242 62% 2,797 41% 70 1% 1,341 19% 26 09A 994.12 7.250 13% 7.470 4.521I 61% 4,20B 57% 36 0% 188 is 01A OTHER % WHITE % 21 0% 8 0% a 0% 16 0% 15 • 0%, 7 0%. 1 13: 0%, 4! 0%1 7, 0%1 5. 0%1 0i 0%I 71 0%1 to I 0%i 7j 0%j 17 0% 1 0%I a 0% 20 0% 19 0% 10 0% 0 0% 5 0% 11 O% 34 1% 11 0% 3 1% 6 0% 19 0% 22 0%ii 10 0%, 4 0% 12 0% 17 0% 18 0% 19 0% 4 0% 15 0% 3 0% 14 0% 6 0% 15 0% 26 0% 3 0% 6 0% 24 0% 0 0%' 91 0% 4 0% 13 0% 11 0% a 0% 9 0% 11 0% 72 1% 200 2% 141 2% 182 3% 371 4% 254 4% 123. 5%. 331 : 5% I 4701 8% 1 2301 0%1 381 1 6% 1 4081 7%1 691' 8% 466, 8%• 585I 9%1 9601 12%1 520 12% 872 12% 1.337 13% 895 13% 1,135 14% 727 15% 1 1.133 13% 1 eee 10% 1.053 17% 980 17% 1,454 19% 1,480 19% 923 20% 935 21% 1,255 22% 2423 23% 795 23% 1,503 23% 1.00 25% 2,170 26% 1,9M 29% 1,378 29% 986 30% 2.705 31% 3,025 31% 1.861 31% 1,682 33% 2435 33% 2464 33% 2,416 34% 1,237 35% 2.515 39% I, 1.374 30% 1,935 30% 3,033 35% 2,032 38% 2,651 38% 2,835 39% zm 30% APPENDIX C POPULATION BY CENSUS TRACT (RANKED BY PERCENT MINORITY) TRACT TOTPOP M01POP % .'HISPANIC ' % BLACK : % ASIAN ' % 1 NATIVE % OTHER % WHITE % • 219.13 6.730 4,041 • 50%: 3,309: 49%' 591 1%' S36' 9%: 251 0!L 12 0% 2.6m 40% 741.04 8.657 5.1936 60%1 2.600 31% 299. 3% 2.197 25%: 23 0% 14 0% 3,464 40% 689.05 4,718 2.812' 60%. 739. 18%. 37: 1% 2.016 4394' 17, 0% 3 0% 1,900 40% 996.03 4,492• 2.653 59%, 1.5551 35%• 311 1% 1,045: 23%• 25' 1% 7• 0% 1,629 41% 755,09, 8.941 5.190' 58% 3.627. 41% 5971 7%: 906. id%• 33 0% 27 0% .3,751 42% 889.04 4.982 2.5891 58% 1 518 ! 10% 54, 1% 2.305, 46% 1 10, 0%1 • 0%, 2,090 42% 891.01 8.140 4,694 58% I 2.613 ! 32%- 101 i 1% 1 1.941 24% 1 30 j 0% 9' 0%: 3.446 42% I 218.13! 01 46. 57% 39i 48%1 0 0%, 7! 9%1 01 D%; 0 0% 35: 43%1 869.02 4,797' 2.71{i 57% 1.3251 28%1 35 1% 1.321I 20% 21' 0%1 4. 0%i 2.083 43% 87102; 5,1m 2.9141 50%1 /,5591 30%I 305 a% 7331 14% 231 0%1 21 0%1 2,272; u%I 11051 7.0851 3.9551 56% I 2,7571 39% 1 199 3% 1 958 I 13%, 34 0% 12' 0%1 3.125 i "% 753.02 ! 3,107 ' 1,800 36% • 1.582 ! 46% 100 3% I 217 6% 9 0% I 12 0%; 1,507: 4!%! 753.01 5.365 . 2,900 j 56%! 2.575 ; 48% • 123 2% I 248 I 5% 21 0% I 13: 0%; 2.365 : "% 1 U801 8.889 ; 3.793 : ss% 96e 14% j 1451 2% i 2.647 1 39% 25 0% i e 0%. 3A75 • 45x I 891.021 5,205 i 2.9W 1 55% i 1.7461 33% i 115 2% 1 997 19% 26 0% • 14 : 0% 1 2.366 ; 45%, 638.OB; 4,7351 2,601; 55% 2.237I 47%1 43 1% 305 0% 13 0% 31 Ox 2,137I 45%1 885.01 5,409 2.9W. 55%: 2.0421 37% 82 1% 649 1e% 26 0% 11I 0% 2.472 45% 744.04! 8,045' 4.350; 54%. 3,035i 30%1 696 9% 555 7% 28 0%, 11 0% 3,6W 40% 1106.03i 6.7541 3,642 54%. 2.025; 39% 278 4%1 895 1 10% 31 0% 13 0% 3,112 46% 14.041 3,3161 1.7841 54%1 1.675• s1% 9 0% 54 3% 13 0% 3 0% 1.532 40%$87.02 4,582' 2.457: 54%1 1.106I 24%1 55 1%l 1.267 28% 25 1% 1 0%I Z125 46% $78.06 4,222 2,2611 54%: 1A991 3e%1 e8 2%1 6221 15% 40j 1% 12 0% 1.961 40%- 1101.161 4,431 2.394i 53%. 5081 11%I 1091 2%I 1.752i 39% 13 0% I 11 j1j 0%! 2.007 47%� 88901 • 5.850 3.125 53%1 1,2791 22% 87 1% 1,732' 30% 22 0% 5I 0% 2725 47% 999.03 5.172 2,757 53%1 1.497. 29% 46 1% 1.200 23% 20 0% 21 0% Z415 47%I • 6e5.02 4.061 ' 2.4721 53% j 1.7921 38% 73 2% 583 13% 16 0% 0% 6' 7 I 0% 0% 2.160 2.175 I 47% 47% 884,02 ; 4,611 ' 2.436 ; 53% 1,874 i 38% 117 3% 016 13% 22 e64.04I 4.6M 2,440: 53%i 1,0011 32% 93 2% szo 11% 12 0% 14 a%i 2,2041 ax 1100011 5.3W: 3,3141 52%! 2.413 35% 175 3% 681 11% 35 1% 10 0961 3,012 46% 99203i 5,632! 2,9111 5^ 1.115 20% 71 1% 1.705 30% 18 0% 4 0%1 2,721 48% ee7.01 4.667, 2.4071 52%I 1,241 27% 70 1% 1.005 23% 26 1%1 4 0%2R60 4e% 423.12 6.0921 3.123 51%1 2.955 49% 29 0% 52 1% 55 1% 2 0% Z900 49% 740041 6.= 3.50 51%1 2.058 30% 329 5% 1.131 10% 18 0% 6 0% 3,379 49% 18.01 • 4,1051• 2.101 51% 1.277 31% 231 6% 557 14% 25 1% 10 0% 2,006 49% 636.02: 7.021 I 3.51. 51% 3.312 47% 55 1% 154 2% 23 0% 1 0% 3,405 49% 13.03 5.4471 2.7! I 51% 2.506 40% 48 1% 172 3% 14 0% 12 0% 2,896 /9% , 761.031 7.190 3.600 j 50% I 1.908 27% 204 3% 1.424 209A 46 1% 10 0% 3,6W 50% 681.07; 5.011: 2,4661 50%1 1.055 21% 59 1% 1.339 27% 26 1% 6 0% z523 50% 874.01 2.6371 1,300 49% 1.1W 44%I 39 1% 95 4% 3 0% 6 0% 1,334 51% 998.02I 3.001 1.8W I 4VA 1.047 27% 46 1% 769 20% 23 1% 5 0% 1,93s 51% 1104.02- 4.434 2,131 49% 1.382 31%I 127 3% 646 15% 26 1% 0 0% 2253 51% 863.011 5.054 2,9N 49% 2.525 42% 93 2% 3101 5% 5 0% 18 0% 3.115 51% 117.14 ' 236 114I 4814 . 77 33% 6 3% 29 12% 1 01L 2 1% 122 52% 1101.151 3.813 1.6W 40% 4" I 12% 203 5% 1.171 31% 0 01A 1 0% 1,905 52% 111.02 4.180 2,0W 48% 1.345 32% 65 2% 567 14% 17 0% 5 0% Was52% 866.01 4,906. 2.321 47% 1,456 30% 73 1% 733 15% 28 1% 31 1% 2560 53X 870.01 4,4261 2.005 I 47% 1,5M 35% 143 3% 394 9% 14 0% 5 0% 2343 s3% 13.02 6,2041 2,912 47% 2,085 34% 201 3% 578 9% 30 0% 20 0% 3,292 53% 1100051 6,591 3,004 47%571 9% 96 1% 2.382 30% 13 0% 2 0% 3.494 53% sax 990.01 4,3401 2.024, 47%; 1,1991 25%1 48 1% 721 17% 35 1% 10 0% 2,316 2.492 53% 997.011 4,658i 2,1051 47%i 95111 21%1 39 1% 1,009 24% 25 1% 15 0% 54% en.w 3,2m 2.437 I 46% 1 1,442 . 27% 85 2% 005 17% 35 1% 10 0% 2.831 e75,03 5,7� 2.071 4e%i 1,9eo 3{x zi4 4% 431 7% 31 1% 15 0% 3.11e 51% 1103.02 5,43{ 2.505 46%I 1,6ZsI 30% 60 1% 781 14% 24 0% 4 0%631 2.919 Sl% 4888 I 871.04 3.115 3,700 46%I Z6001 32% . 177 2% 11% 30 0% 18 0% 4AW 54% APPENDIX C POPULATION BY CENSUS TRACT (RANKED BY PERCENT MINORITY) TRACT TOTPOP H84POP % HISPANIC % BLACK I % ASIAN % NATIVE % OTHER % WHITE % • 867.01 7,454• 3.367: 45%; z101 20% 1471 2%1 1,083• 15%; 25: 0%, 8 0% 4.097 55% 86403 4.65 2,171. 45%! 1.322j 27% 116. 2%, 698 14%• 191 0%. 16 0% 21681 55% 525.15 : 674 3671 4t% 134 ! 15% i 197 i 23% 41 ; 5% 11 1% 4 0% 487 56% 421.07 3,510 1.50 44%j 1,390• 40%I 28! 1% 69 3%• 23: 1% 9 0% 1,962 56% 688 02 4.421 ' 1,937 ! "%: 7601 17% 1 631 1%' 1.064 25% 17. 0% 5 0% 2.492 50% 75604' 8.064 3.526; 44%; 3,0981 38%j w1 1%1 345 4% 23 0% 2 0% 4.535 50% 11495 689 301 44161 205 I 30% i 46 7% 46 ! 7%: 1 ' 0%' 3, 0%. 366 . 50% t 626.14' 6,083 2.&W : "%; 7221 12% 1 249 4% 1.657 � 27% i 6 ! 0%1 14 0% 3,433 58%+ 17.00' gals' 3.6181 uzl 7/21 9%! e5 1z z.7x+ 31z' 10 a%' a a% 4.6971 56%1 067.02 ; 5.967, 2.5811 43% ! 1.7801 29% 293 5% 491 8% I 301 1% 1 7' 0% 3.406 57% 1 =04 4,441 1.909' /3% I 934 21% 50 1% 9051 20%; 171 0161 2 0% 2.532, 57% 1 761.01' 1,605! 1,95Di 137L1 1,185 32%i 66 1% 478 9%1 29, 1%1 11' 0% 2,816 57%1 064.02: 4,863' 1,961. /2%! 1,598 34%I 62 1% 296 6% 22 0%1 3, 0% 2.682 58%I 878.05 i 5.031, 2.1051 /2% 1 1.585 31% 136 3% 407 8% 15 0% I S i 0% 2.8% • ` % I 117.161 2.50 , 110531 42961 486 19% 76 3% 500 20% 1 6 I 0% 1 5, 0% 1,486 ! 58% 869.01 8.6101 2,854 42%1 1,753 20% 299 4% 783 11%I 32 0%, 71 0% 3,956! 56%1 740.06! I,OSOi 1.684 42%' 1,100l 27% 1/2 1% 137 11%i 5 0%I 0 0%I 2.366I • %I 751.02! 5.1781 2,1501 42%; 1.3991 27%1 212 4% 517 10%I 19 0%I 3 0%, 3.028 58161 117.121 4.3841 1.8141 41%1 1.271 29%I 551 2% 414 9% 20 0% 24 1%j 2.570 59%I•I 755.081 8.8821 2.8361 41%1 1.431 21% 291 4% 1.064 16% 18 0% 12 0%1 4.026 S91L1 999.04' 5,297' 2,1091 41%1 992 19% 54 1% 1.113 21%1 21 0% 4 0%j 3,1081 59% 878021 5,572' 2.2981 41%1 1.635 29%1 123I 2% 511 9%1 211 0% 51 O% 3.2741 59%1 758.12 6.230" 2.563! /1%I 2,0m1 33%1 921 1% 383 6%! 17! 0%I 2 0%" 3.8671 59%I 1103A1 6.6001 2.712! 41%1 1,1731 18%1 269 4%1 1,214 18% 30i 0% 61 0%1 3,9571 59%I 876.01- 4,0051 1.6R71 40%1 1.102 26%1 111 3% 376 9% 9 0% 5 0%1 2.IfQ1 69%1 • 115.02: 3.5851 1,4341 10%I 1,00 29% 65 2% 323 9% 15 32 0% 1% 5I 5 0%j 0%; 2.1511 2.5071 60% i 60% 999.02! 4,1771 1,6M 40% 914 22% 37 1% 682 10% 886.02! 3,817'I 1.5201 40%1 on 22% 52 1% 607 18% 20 1% 21 0%' 2.2911 60% 871.01! 3,0361 1,2001 40%1 614 20% 171 6% 392 13% 19 1% 4 0%1 1,BJ61 60% 997.021 6.662 z6211 39%i 1,0111 16% 65 1% 1.421 21% 35 1% 8 0%• 4.0611 61% 86602 4,1931 1.5U1 39%1 1,147 27% 134 3% 350 8% 8 0% 4 0% 2.550i 61% 880.01 4.239' 1.6591 39%1 795 19% 59 1% 797 19% 15 0% 3 0% 2.5901 61% 1t03041 4,66J1 1.8251 39%1 824 18% 71 2% 900 19% 17 0% 13 0%1 2.858 61% 84903: 5.2341 z030! 39% 1,175 22% 186 3% 687 13% 26 0% 5 0%. 3.195 61% 754.041 5,225 i 2.033 39% 1,634 31% 125 2% 240 5% 20 0% 11 0%. 3.193 81% 99227 i 5.5081 2.161 39% 744 13% 101 2% 1.204 23% 14 0% 8 0%: 3.4071 61% 525.01: 5,2181 2,0241 39% 513 18% 929 18% 234 4% 42 1% 6 0%1 3,192• 81% 888.02' 4.743: 1,8{0! 39% 1.141 24% 73 2% 5" 13% 27 1% 3 0%1 2.90Jj 81% 82% 759.011 4,4251 1,700 38% 1,480 33% 66 1% 122 3% 25 1% 7 0% 2.7251 524.041 8.061 3,050 38% 1,486 18% 1.125 14% 314 4% 104 1% 19 0%, 5.0311 62% 992.041 3.9m 1,40 36% 397 10% 55 1% 1.032 26% 11 0% 2 0% 2.4901 62% 872; 5'm 2200 37% 1.771 30% 130 2% 254 4% 31 1% 4 0%1 3.e951 6J% 1101.02 5,521 2,043 37% 722 13% 136 2% 1.155 21% 16 0% 14 0%1 3.4781 83% 621 2.340 860 37% 175 7% 27 1% 652 20% 4 0% 2 0%; 1.480 % 6363% 1... 3,SM 1.209 37% 1,112 32% 26 1% 127 4% 19 1% 3 0%1 2.234 15,041 3,915I 1.429 37% 1.202 33% 30 1% 89 2% 20 1% 8 0%1 2,4861 63% 19.011 2,512I 909 36% 611 24% u 2% 249 10% 3 0% 2 0%1 1.603 64% 639.03 3.90J 1,405 38% 704 10% 28 1% 656 17% 4 0% 4 0%1 2.497 64% 423.13 6.5W 2,400 30% 2.252 33% 51 1% 125 2% 28 0% 21 0%1 4.412 64% 1149611 5,0141 1,6W 36% 1,/62 29% 77 2% 227 5% 25 0% 91 0%1 32141 61% 782.071 527 296 30% 113' 14% 9 1% 100 20% 5 1% 01 0%: 5311 64% 85% • 111.01I 3,575 I'M 35% 1.006 20% 14 2% t01 5% 10 0% 6 0%' 2.3111 e5% 1101.1 S,aet 1.701 35% 1,18D z3% SS 1% s35 11% 2s a% 1 074! 32701 ! 117.11 SAM zoos 35% 1.513 26% 207 3% 333 8% 26 0% 5 0%. 3.8J4 aft 1104.01 4,318 1,527 3S% 1,05t 24% 52 1% 406 9% 22 1% 13 0%;.2.821' 65% 851.05 3,335 1.170I 35% 543 10% s0 1% 565 17% 6 0% 6 0% 2.te61 65% APPENDIX C POPULATION BY CENSUS TRACT (RANKED BY PERCENT MINORITY) TRACT TOTPOP • MINPOP % ! HISPANIC % BLACK % ASIAN % NATIVE % • OTHER % WHITE % • 754.03 5,380. 1.871, 35%: 1.355 2516' 139: 3%' 345 e%: 22. 0%. 10 0% 3.509 65% 853.01 4,975 • 1,7171 35%i 1,015 • 2016. 63. 1%• 614' 12%, 22 � 0%, 3. 0% 3,25e 65% 21911 3,841i 1.318' 34%i 1.001 20%' 70; 2%! 238- 0%, 4! 011: 5. 0% Z523 56% 755.07 4.735 1,6M1 34%: 1.007, 21%: 213; 4% 363. 8%i 321 1% 5 0% 3.116 6e% 995.02• 784: 267: 34%. 64 8%: 124118161 71;, 9%j 5: 1%, 3 0% 517 66% 758.11 2.408' 8191 34% 11 600 ' 25% I 421 2% 1 1651 7% 1 7 1 0% 1 5 : o%: 1.567 ee% 75202' 2,486 $37 34%! 583 i 24%1 25 1% 213I 9941 1s 1 1% 0: 0%: Ile29. 58%, 99228: 3,935, 1.327' 34%' 2651 7%1 54 1% 992 25%' 9' O% 7i 0%. 2.605' 88%, 99222! 4.3251 1,450I 34%i 4761 11%1 44 1% 910I 21%I 12 0%I 6i 0%1 2,575' ae%1 52527', 6.3401 Z125i 34%I 5321 0%1 75 1% 1.490 24% 1s 0% 12- 0%- 4,2151 66%I ee401i 1,411 1,/781 34%, 724. Is%1 19 0% 700 10% 17 0% lei 0%, 2,937! 6e%i 762.051 5.5171 1,e311 33161 1,4221 20%I 891 1% 315 6% 22 0% 31 0%! 3,6m: 67%j 758.07! 4.1191 1,3651 33%1 1.0251 25% 32 1% 257 7% 17 0% 31 0%! 2.754' 67% 882.01; 3, 1911 1.0521 33%1 6551 21%I 36 1% 339 11% 21 1% 1 0%� 2.139, e7%1 57501 4.2791 1.4051 33%1 9191 21%1 57 1% 412 10% 1s 0% 5 0% 2.871. 67%1 219031 4,107, 1.3481 3316 ! 7291 18% 80 1% 543 13% 16 0% 0 0% 2.759 : 67% 741.051 4.487i 1,4721 33%1 7811 17% 204 I 5% 468 10% 13 0% 6 0% 3,015I 67% 110202 j 5,5001 1.825 I 3316i 1.017 i 10% 232 4% 532 10% 30 1% 15 0% 3.754 67% 110201! 6,202: 2,0201 33961 9941 10% 175 3% 502 13% 38 1% 11 o% 4,182 67% szs.le I 9,1e1 i 2.9e1 13z% szo e% 1ee z% 2.2sr 25% 2e o% a 6% e.zro ae% 525M 4,382: 1,4231 3^ 35,1I e%1 0 1% 1,0m 23% 4 0% 6 0% 2,962 58% 110303 4,408. 1,4351 32%1 We! 16141 114 3%1 589 13% 28 1% 111 096 3,028 68%. 11.02 2.9561 9181 32%1 836! 2e%I to 1%I 86 2% 23 1% 5 0% 2.006 60% 19.021 2.4021 7901 32% 1 4441 Is% I 42 2% 295 12% 7 0% 2 0% 1,672 58% 1101.04! 5,2761 1,691. 32%1 832i Is%j 152 3% 657 12% 43 1% 7 1 o% 3.585 68% 1106.04 ! 6,353 . 2.0271 32% 1 647 10% 117 2% 1.249 20% 10 0% 4 0% 4,325 68% • 881.061 3.5471 1,13D1 32%1 449 13% 51 1% 613 17% 1s 0% 21 0% 2.417 66% 19.031 2,5581 814 32% 463 18% 35 1% 302 12% 12 0% 2 ,0% 1,7441 88% 850021 3,1051 968 32%1 450 14% 41 1% 474 15% 20 1% 3 0%I 2.11e1'68% 87002: 5,3m 1.705 32% 584 10% 155 3% em 11% 22 0% 6 0% 3,664 68% 17.04: 2.9231 9221 32% 189 e% 33 1% ISM 24% 1 0% 3 0% 2.001 , ee% 876.02 i 6.2051 1.9551 32% 1.177 19% 143 2% 60.T 10% 24 0% 11 0% 4,250 68% 863031 4.8071 1,514 j 31% e11 17% 93 2% 581 12% 25 1% 4 0% 31293 69% $77.04' 4,0751 1,273 31% 603 17% 71 2% 495 12% 25 1% 9 0% 2,em 69% 994.111 5,3401 1.6m 31% 1,104 21% 129 2% 404 8% 28 1% 3 0% 3,672 69% 15.031 4,8721 1,505 31% 1,342 20% 34 1% 115 2% 12 0% 2 0% 3.367 69% 1101.131 2,2051 m7 31% 304 13% 16 1% 370 10% 6 0% 1 0% 1,5m 69% 9922 7.552 i 2aa 31% 997 13% 129 2% 1,132 15% 50 1% 14 0% 5,20 89% 1100.1 ' 4,691 1 1.441 31% 485 10% 56 1% 862 19% 13 0% 5 0% 3,250 89% 571.03I 81349 1,950 31% 1.071 17% 91 1% 760 12% 24 0% 4 0% 4,390 69% 14,011 4.671 1.434 31% 1,245 27% 36 1% 115 2% 27 1% 8 0% 3,2371 69% 755.05 ! 3,300 1.015 31% 812 25% 55 2% 133 4% 8 0% 7 0% Z294 69% 992231 4,127 1.254 31% 353 9% 46 1% 820 20% 11 0% 4 0% Zw3 69% 552.03 4,012 1,224 31% 630 16% 75 2% 510 13% 7 0% 2 0% 2,7m so% 992.42 3.50 I. m 30% 5e8 10% 52 1% 425 12% 24 1% 0 0% 2,48D 70% 639.02 6,3031 1.919 30% 1.1m 19% 147 2% 547 9% 21 0% 15 0% 4,384 70% 760 7,335 2,230 30% 1.548 21% 123 2% 512 7% 41 1% 6 0% 5;105 70% 868.01 2,963 905 30% 472 10% 58 2% 358 12% 16 1% 2 0% 2,077 70% 882.02 2,416 734 30% 340 14% 23 1% 36.T 19% 7 0% 1 0% 1,684 70% 753.03 3.142 950 30% 780 25% 56 2% 103 3% 3 0% a 0% 2.192 70% 17.05 i 3,997 j 1,2CT 1 30% I 731 ' 18% 55 1% 395 10% 16 0% 4 0% 2.794 70% . 756.02 i 6.510I 1,11511 31% 1,5m 24% 127 2% 228 4% 34 1% 8 0% 4.552 70% 666,0.71 6, 114 1,e36 30% e32 14% 177 3% 786 13% 18 0% 23 0% 4,215 70% 1101.11 S,ON t,sOt 30% 754 10% 95 2% 624 12% 25 0% 3 0% 3.540 70% 1 3f� �21111 37 • 1101 oe 2,655I 2VA 511 19% 46 2% 6% 0% 3 O% 1,878 7 % APPENDIX C POPULATION BY CENSUS TRACT (RANKED BY PERCENT MINORITY) TRACT TOTPOP MINPOP % , HISPANIC : % BLACK I % ! ASIAN % • HATNE % OTHER % WHITE % • 1101.14: 5,005: 1,405! 29%1 7641 16%; 781 2% W91 11%I 36: 1%• 5, 0%. 3,539 71% 50i 754.01 3,346' 9 29%1 7921 24% 411 1%; 1211 4%, 161 0%; 10, 0%• 2,308 71% 992.12 4.5511 1,4171 29%1 635; 13%1 42I 1%1 701i 14%1 32; 1%1 7i 0%! 3,434 71% 99225 3.5781 1,0431 29%1 2471 7%1 24 1%. 753: 21%: 171 09A 21 0%' 2,535 71% 14.02i 4.043: 1.3531 29%. 1,132 24%1 44I 1% 1531 3%; 171 0%. 7 0%1 3.290 71% 63%06! 5.258' 1.5W 29%1 1,100I 22%1 97 2%I 2451 5%1 291 1%: 91 0%1 3.725 71%1 110203 5.289' 1,57/� 29%i 6331 te%I 63 2% 5601 11%1 471 1%; 141 0%! 3,752 71%1 877.01 4,OflDi 1,1651 29%1 562 14% 30 1% 519I 14% 18 0% 6i 0%1 2.665, 71%1 115.011 6,6081 1.906 29%1 799 12% 287 4% WSi 12%I 29 0% 131 0%; 042I 71%' 994.131 4,8W 1.330 29%I 753I 10% 40 1% 514 11%I 27 1% 5j 0%1 3.3241 71%1 113! 3,2481 929 29% 774 24% 27 1% 112 3% 13 0% 31 0%1 Z3191 71%1 9W.02'I 3,3451 90 2e% 532 16% 38 1% 361 11% 14 0% 3 0%I 2.3971 72%1 8N,07; 5.0001 1,416 28% 824 10% 119 2% 413 9% 26 1% 4 0% 3,5e71 72%;1 218.111 6,2511 1,767I 28% 1.0W 17% N 1% 563 9% 17 0% 8 0%1 4,4841 72%I 992.331 3.3051 949 20%I 240 7% 13 0% ON 19% 34 1% 6 0% 2.417 72%1 1101 5.9571 1.679 29%I 1,104 19% 106 2% {47 8% 16 0% 4 0% 4,273 72%I 997.031 4,756; 1.338 28%1 443 9% 32 1% 645 18% 17 0% 1 0% 3,418 72%1 KIDS ; 3,348 I 9W 26% I 505 15% 93 3% 322 10% 10 0% 5 0% Z410 72% 525.051 4,755 1,330 28% 333 7% 115 2% 865 18% 10 0% 7 0% 3.425 72% 524.111 4,478I 1.248 28% 722 16% 82 2% 415 9% 26 1% 3 0% 3.230 72% 994051 4.4041 1.214I 26% 827 19% 81 2% 290 7% 16 0% 0 0% 3,190 72% $2627: 2.780 ! 765 , 28%' 141 1 5% 48 2% 564 20% 7 0% 5 0% 2015 72% 993.05: 7,0471 •1.9351 20%1 1.5021 21% 63 1% 295 4% 46 1% 12 0% 5.100 72% 1101.00' 4,4061 1.206I 27%I 454i 10% 70 2% 652 15% 17 0% 9 0% 3,200 73% 11 TOO 4,3021 1.1941 27% 573 13% 1" 3% 453 10% 19 0% 5 0% 3,108 73% • 864061 3.2981 901 27% 608 18% 92 2% 197 0% 13 0% 1 0% 2,397 73% 661.01 I I'M 1 504 27% 276 13% 17 1% 196 11% 12 1% 1 0% 1,35 73% M.14 i 4.732; 1.20 27% 742 10% 93 2% 405 9% 19 0% 10 0% 3,403 73% 869021 4.0501 1.005 27% 500 12% 79 2% 491 12% 15 0% 1 0% 2.973 73% 524.05 8,512' Z323 20% 577 7% 172 2% 1.5Q2 18% 15 0% 7 0% 6,489 74% M24 i 3,5W 920 20% 313 9% 20 1% 580 10% 17 0% 1 09A 2.550 74% 63601 1 3,711) 961 29% 516 22% 19 1% 101 3% 21 1% 4 0% Z730 74% 992.341 2.953i 758 20% 250 8% 20 1% 465 16% 22 1% 1 0% Z195 74% U3.02 4,4061 1.127 20% SW 12% 66 1% 4W 11% 23 1% 9 0% 3,281 74% 992.46 4,1661 1.054 25% 323 6% 41 1% '092 17% 6 0% 2 0% 3.122 73% 219.051 5,474 1,391 25% 565 10% 146 3% 682 12% 18 0% 0 0% 4,003 73% 524.121 5.7121 1,441 25% 540 9% 46 1% 831 15% 9 0% 13 0% 4,271 75% 992291 5,631' 1,405 25% 419 7% 55 1% 900 10% 27 096 4 0% 4.305 75% 112 3,685 924 29% 790 21% 27 1% 91 2% 12 096 4 0% 2.761 75% 212.11 4,05 1.046 25% 315 0% 44 1% 602 16% 26 1% 1 0% 3,137 75% W3041 3,871 906 295A 604 10% 79 2% 275 7% 7 0% 1 0% 2.905 75% 5,T9oel 5,149 1.273 25% 637 12% 102 2% 525 10% 12 0% 2 0% 3.871 75% 525.141 4.937 1,217 25% 292 0% 78 2% 537 17% 4 0% 6 0% 3.716 79% 563.051 3,50 871 24% 424 12% 20 1% 421 12% 4 0% 2 0% Z725 70% 423.1 7,225 1,740 24% 1,517 21% 19 0% 164 2% M 1% 5 0% 5.476 70% 741.07 4.075 986 24% 029 15% 100 296 245 0% 5 0% 7 0% 3.000 76% 992.15 5.371 1,295 24% 064 12% 70 1% 526 10% 1e 0% 11 0% 4.075 76% 1101.12 5,9151 1,423 24% 480 8% 199 3% 736 12% 19 0% 7 0% 4,402 70% W2.41I 4,2RI 1.010 24% 435 10% 60 1% 480 11% 31 1% 4 0% 3,100 70% 035.031 4,4021 1.005 24% e93 20% 11 0% 154 3% 10 0% 1 0% 3.3W 70% . 1101.04 3,535 841 524.1 5.157 1,222 24% 21A 424 771 12% 15% 73 70 2% 1% 325 350 9% 7% 14 15 0% 0% 5 4 0% 0% 2,695 3,935 70% 70% 7S9.05 3.SS7 $41 24% 546 15% 40 1% 239 7% 12 0% '4 0% 2.710 70% 218.19 21,088 4,942 23% 1,847 9% 290 1% Z730 13% 62 0% 23 0% 10.148 77% 994.1 3,700 $79 23% 378 10% 0 2% 387 10% 43 1% 6 0% 2,081 77% 110011 I 2,0W 1 674 23% 172 8% 15 1% 480 17% 4 0% 3 0% Z225 77% APPENDIX C POPULATION BY CENSUS TRACT (RANKED BY PERCENT MINORITY) TRACT ' TOTPOP ' MMPOP ' % • HISPANIC • 99603. 6.290, 1.445 i 23% • s95 423.07 , 7.421 , 1.701 i 23%: 939 218.12. 5.596, 1,511 1 23% 1 694 13.01 5.67e • 1,295 i 23% 997 219.1. e.160 1.861, 23% • 509 525.961 3,431 • 775' 23%1 205 75502 5,331: 1.204 23%. 357 21904, 7,8251 1,7a6, 23%1 456 756.05 i 5.0001 1,1201 23% 322 525.12 • 7,506 1,557 1 22% 355 996.04 ; 3,5631 : e54 22% 354 626.11 i 3,3561 749I 22%I I 21a 320.06I a,aa41 1,9Z1 22%1 959 758.051 4,3661 971 ' 22% I 720 99236 : 4.5111 995 22% 258 525.131 5,6091 1,235 22%' I 312 421.061 5.490 1.209 22% 1,045 996.051 3,613. 794' 22% 320 757.01 ' 3.7241 11251 22% 736 21e.19 I 5.32D 1,7921 22% I 556 992.31I 5A02 I 1,219 22%I 315 524.13 : 17.3001 3.743 ; 22141 1.500 11.01: 3.9711 US! 21%1 700 992.161 4.137; ee1 21%1 435 752.01 ' 5.1451 1.095 ; 21% I 573 320.151 0,6151 1.4051 21%I 747 • 992.321 5.529 1.108 21% 303 117.181 3.460I 732 21%1 424 992.451 3,2461 676 21% 306 635.07 4,974 : 1,029 21% 535 1100.13I 6,65a 1 1,532 21% 934 21e.071 3,7401 771 21% 446 2/e,14 a,960 1.435 21% 555 11:03I 3,031 623 21% 322 , 792M 2,537 506 21% 411 999.06) 4,611 1 956 20% 420 32025; 1t.aw 2.425 20% 1,243, 639.071 5,0091 1,037 20% 405I 423.19 2,515 590 20% 125 423.15 11.025 2.245 20% 955 62529 R624 326 20% 84 320211 7,725 1.545 20% 640 994.15' 51010 1.122 20% 327 525.02 5,503 1.173 20% 436 992.35 4.716 939 20% 496 63202 3.474 677 19% 564 110001 4,630 90s 19% 440 62621 4,777 926 19% 307 994.00 4.500 e74 19% 373 15.02 7,675 1.525 19% 612 21802 6.464 1,255 19% 894 • 117.15 5,517 1,066 19% 431 525.11 3,am 1,119 19% 304 110012 5,024 9e1 19% 300 215.1 3,551 734 19% 433 WAS 3,307 641 19% 361 ' % e1ACK I % Amm : % ' NATNE % ' 07HE1 % wH17E % 10% 32: 1% 761 i 12%1 S0, 1%i 4 0% 4,545 77% 13%; 113: 2% az91 a%I 121 0% a 0% 5.720 77% 14%; 1291 2%' 451 ; 7% 1 24 ; 0%; 13 0% 5.083 77% ' 18%, 64: 1%' 207 i 4%' 30: 1% 0 • 0% 4.3e0 77% i 6%' 1131 1%; 1.2121 15%I 22; 0%; 5 0% 6.319 77% 1 6% 49 1% I 5071 13% i 91 0%; 3 1 0% 2.655 77%. 7%1 32I 1%I 5071. 15%I 71 0%1 1 0%• 4.127 77%' WI 117 1%i 1.142 i' 15%I /6 0%i 1; 0%6.039, 77%; 6% I 19 0% 776 10% 7 0% 1 2 o% 3,851 1 77%; s% 1z7 2% 1,156 15% 10 o% i 7 ox l s,621 , 78% i 1 9% I 24 1% 446 12% 371 1%i 31 0%, 2.999' 70%1 1 ax 79 z%I 439 1311 5 0% 51 0%. 2,1 1 7e%I 11%I 103 1%I 7e7 9% 37 0%I 12; o%� 6.7561 76% 1e% 51 1% 175 4% 15 0% 41 0%I 3,415 7e%1 0% 35 1%1 664 is% 14 0% 11 a%' 3,5161 76%� e% 52 1% 660 19% 9 0% 21 0% 4,3741 76%`f 19% 32 1% 104 2% 22 0% 3 0% 4.290 7e%I 9% 28 1% 430 12% 9 0% 7 0% 2,519 75%1 13% 145 3% 335 0% 29 1% 4 0% 4,4T3 76%' 7% 75 1% 1.137 14% 16 0% a 0% 6.52B 7a%I 5% 1s 0% a64 15% 25 0% 4 0% 4,553 78% 9%. 352 2% 1,7m 10% 53 0% 19 0% 13.647 76%I ta% 26 1% 93 2% 21 1% 0 0% 3,123 79% 11% 21 1% 402 10% is 0% 5 0% 3.255 79% 11% 74 1%1 417 8% 25 1% 3 0% 4,053 79% 11% 78 1% 567 9% 11 0% 3 0% 5,200 79% 5% 25 0% a14 15% 19 0% 7 0% 4,361 79% 12% 2e 1% 290 7% 12 0% a 0% Z745 79% 9% 19 1% 333 10% 1s 0% 5 0% 2,56e 79% 11% 194 4% 251 6% 12 0% a 0% 3.945 79% 11% 256 3% 564 6% 3e 0% 10 0%I 7,024 79% 12% at 2% 247 7% 11 0% 4 0% ZM 79% 6% 112 2% 707 10% 22 0% a 0% 5.545 79% 11% 10 0% 27a 9% 13 0% 0 0% 2,405 79% 14% 31 1% 134 s% a 0% 2 0% Z271 79% 9% 43 1% 494 10% 20 0% 1 0% 3.625 50% 10% 150 1% 961 6% 50 0% 12 0% 9.43 50% 5% 75 1% 542 11% 11 0% 4 0% 4.032 W% 4% 31 1% 412 14% a 0% 3 09A 21205 50% 9% 164 1% 1,091 10% 25 0% 10 0% e.780 so% 3% 1s 1% 426 16% 0 0% 1 0% 2,095 50% a% 97 1% 792 10% 9 0% 7 0% 8,100 50% 0% 1s 0% 767 14% 9 0% 4 0% 4,4aa 80% 7% 45 1% 679 12% 12 0% 1 0% 4,710 50% 11% 35 1% 371 a% 35 1% 2 09A 3,777 a0% 16% 14 016 91 3% 6 0% 0 0% 2797 e1% 10% 33 1% 396 9% 17 0% 11 0% 3.745 e1% 6% 79 2% 416 9% 30 1% 4 0% 3,64 61% e% 37 1% "S 10% 15 0% 1 0% 31635 31% 10% 97 1% 579 7% 29 0% a 0% 6,353 61% 14% 53 1% 247 4% 25 0% 6 09A 520 e1% 6% 84 2% 525 10% 19 0% ♦ 0% 4.451 51% 5% 30 1% 773 13% s 0% 7 0% 4,704 31% 0% 64 1% 500 12% 7 0% 0 0% 4.063 41% 11% 40 1% 243 0% to 0% 0 0% 3,117 61% 11% 35 1% 221 7% 1e 1% a 0% 2.721 at% APPENDIX C POPULATION BY CENSUS TRACT (RANKED BY PERCENT MINORITY) TRACT TOTPOP YINPOP % • HISPANIC % . BLACK 1 % I A91AN % NATIVE % "OTHER % WHITE % • 320.22 5.321 I 1.011, 19% i 7" 1 14% 1 84 i 1% i im' 3%; 14 i 056 3 • 00% 4,312 81% 219M 1,3m; 21131 19%1 136 10961 271 2%1 93 7%' 7 1%• 0 0% 1,127 81% 99905 2.623' 496i 19%1 267j 10%j 38! 1%1 182• 7%1 9 0%• 0 0% 2.127 31% 755.04 3.992 751 19% j 4511 11% i 72I 2961 2051 516• 21 1%. 2- 0% 3.241 • 81% 1505 5,854. 1.104. 19%; 649; 11%i 71I 1%1 354 6961 21, 0961 9• 0%, 4.780 81% 762.05 • 4.246 7951 19% 1 627 15% 1 4 0% 1551 4% 1 a ; 0% I 1 , 096: 3,451 • 81%] 992.39 3,774 700 19%1 I 2241 6% 22 i 1% 433: n%j 21, 1%1 of 0%1 3.07411 61%11 62525! 4.059� 746. 16%i s13j 13%- 4a 1% 1a1' 4%' al 0%; 01 o%I 3,313I 62%1 525.08 • 2.6021 475 j 15% I 135 5% 20 1% 3111 12% 4 1 07i j 01 0% j 2121 1 82% 524.16 3.914 1 7171 m 1' 354 10% 47 1% 2701 7% 1 15 0% 1 i 0% 3,197 i 52% 320.16. 8.6151 1.576, 18961 7381 9% 158 2% 562 j 6% 191 0% I 1 1 0% 1 7,039 ; 52%! 992.37' 3,6801 67Ji 18%1 2991 5% 25 1% 3221 9% 23 1% 41 0%1 3.007' 02961 626.12 a,9401 1,2001 18761 285j 4%1 a9 1% of" 13% 11 0% t 0%1 5.6721 62%1 16.01 , 6,530 l 1.1931 1814i 5141 8% 72 1% 5m 1 9% 18 0% 3. ac 1 5,346 ! 82% j 756.04 • 7.377I 1.338 j 15% 1 453 I 6% 48 1% 823 11% 9 0% 5 I 0% 6,039 j 82961 423.08 ; 7,9W 1.437 10% 1 4a2 j a% 82 1% 064 11% 25 09A 4 0% 6.516 1 am 754.05 2,3m 426 10%1 2871 12% 19 1% 109 5% 10 096 1 0% 1.942 82% 219.09• 7.773; 1,375 18%1 Gael 9% 54 1% 590 9% 43 1% 3 0% 6,397 am 423.16 i 11,8e1 j Z095I 18% j 1.1711 10% 182 2% 706 8% 30 0% 6 0% 9,788 52% 525.171 1.9a5 i 350 18% 1581 a% 45 2% 140 7% 5 0% 2 0% 1,635 82% 62629• 1.025! 1a1I 15%1 26i 3% 13 1% 135 13% 3 0% t 0% Sp e21i 755.06 3,254 571 1 17%: 262 1 BIG, 1 67 2% 220 7% 19 1% 1 3 0% Z713 83% 756.05 j ; 3.4961 Goa I 17% • 423 ; 12% I 23 1% i 135 4% 26 1% 1 0% 2690 63% 423.15 5.5131 9571 17%1 492j 9% 581 1% 357 7% 14 0% 6 0% 4,555 e3% 1100.05. 3,3521 5791 17%1 278I 8% 12 0% 25a 5% 18 1% 3 0% Z773 53% 320.161 10.4251 1.701 17%1 6671 8% 106 1% 909 9% 26 0% 11 0% 8,626 e3% • 9923, 4.539j 782I 17%1 2911 0% 39 1% 43D 9% 1s 0% 4 0% 3.757 M 218.091 2.7431 4721 17%, 276 10% 17 1% 180 0% 12 0% 7 0% Z271 53% 320.17' 7,2991 1.25D 17%j 502 8% 89 1% 536 7% 23 0% 20 0% ' 6.040 53% 76297, 4,7541 $19 17%I 492 10% 61 1% 2" 5% 1s 0% 0 0% 3Am 83% 639.05' 4,1561 709 17% 4511 11% 56 1% 179 4% 21 1% 2 0% 3,447 63% 117.07 ; 3.627 i 6181 17% I 306 8% 53 1% 245 7% 13 0% 1 0% J,OQo 5J% 14.03 . 3.315 j 560I 17% 400I 12% 27 1% 123 4% 7 0% 3 0% Z735 53% 758.091 3.3711 567 17% 175 5% 10 0% 371 11% 11 O% 0 0% Z8% 83% 626.311 3.7751 634I 17% 102 3% 19 1% 506 13% 2 0% 5 0% 3,142 BJ% 994.121 4,aA 1 807 17% 392 8% 42 1% 376 8% 21 0% 6 0% 4.013 83% 117.171 2.531 4721 17% 257 9% 50 2% 148 5% 17 1% 0 0% 2357 53% 524.06 • 6.4a61 1.081 17% 413 6% a1 1% 578 9% 27 0% 2 0% 5.405 83% 1100.04 i 4.762'1 790 17% 371 8% 52 1% 348 7% 16 0% 3 0% 3,972 8396 881.04 3,920 650 17% 650 17% 80 2% 493 13% 11 0% 4 0% 2691 58% 218.17I 3,418 556 10% 350 10% 25 1% 161 5% 12 0% 5 0% Z562 e4% 320261 5.880 956 10%I 556 9% 57 1% 323 5% 20 0% 0 0% 1,937 54%' 632.011 3.600 576 16% 390 11% .20 1% 143 4% 12 091. 3 0% 3,024 64% 11709' 4.601 744 16% 373 8% 26 1% 331 7% 10 0% 2 0% 3,945 54% 423211 3,884 931 10% 350 6% 46 1% 524 9% 3 0% a 0% 4,953 84% 631011 2,5m 309 10% 279 11% 10 0% 98 4% 10 0% 2 0% 2159 64% 994.171 3,80 am 16% 270 7% 24 1% 255 7% to 0% 5 0% 3,2a6 54% 994.17 j 3,8m 600 10% 270 7% 24 1% 253 7% 16 0% 5 0% 3,2m 84% 42321 t,514 897 15% 341I 8% a9 2% 255 6% 27 1% 2 0% 3,517 85% 16.02 j 3.an Sm 15%i 205 0% 33 1% 327 9% 1 0% 0 0% 3,111 85% 15.Oti 5,110 754 15%1 4251 8% 26 1% 305 9% 23 0% 2 0% •8'J% • 521,14 1 2,521 132 15% 24e 9% 15 1% 150 9% 7 0% 11 O% 0% 2.3m 2.J91 2675 55% 501i 758.11 3.1m 482 15%1 171 5% 17 1% 294 9% 0 O% 0 994071 2.516 381 1514; 189 a% 13 1% 150 8% 29 1% 0 0% 2135 BOIi 174 7 0% /,aW 65% 42Z01 5.523 826 15%I 703 13%I 15 01i 1% 27 0% APPENDIX C POPULATION BY CENSUS TRACT (RANKED BY PERCENT MINORITY) TRACT TOTPOP MINPOP % -HISPANIC % • 32024 a,6a0 i 1,0m 1 15% 1 5m 1 9% M.06 5,6741 8411 15%: 593 i 10% 626.07 9,2321 1,364: 15% 706, 8% 219.12 2,571 379! 15%' 132! 5% 631.02' S,8m am: 15%i SOS! 10% 626.3 ; 1,731 ; 254-, 15% 1 671 4% 992.43i 4.105 602 1S%- 317' 5% 32021 6,574; 9631 15%1 5121 8% 992.141 3.4961 510I 15% 1 2141 5% 994.04 ! 4,111111 7061 15% 1 339 7% 218.15 i 3,0471 4371 14% 1 1961 0% 117.1 I 3,4951 495 14% 1 229 I 7% 524.15' 4,7631 571I 14%1 309 0% 17.051 3,5761 503 , 14% I 173 5% 995.051 4,461 624 i 14%. 370 a% 757.02' 3.0ml 432, 14%1 255i 6% 994.16' 1,356 j 601 14% 1 3871 9% 218.16 i 5,0901 7061 14% 1 417 1 8% 422.041 8.497I 1, 154i 14%' 549 10% 421.11 7,909! 1,074I 14% 787 10% 992.4 5,221 7031 13%1 297I 6% 626.05: 3.225 : 440 i 13%; 357 11% 423.11, 5,333, 7091 13%i 547i 10% 757.03; 3.895, 5141 13%j 220 a% 922.17: 2.533 i 334; 13%: 145 0% 423.171 3,3021 /251 13% tm S% • 320.021 6,4361 8221 13% 479 7% 421.031 6,8m 1 B741 13% 701 10% 993.08 i 2,335 I 2941 13% 1 112 5% 993.07 Z551 3211 13%I 211 8%, 993.02j 7,1021. m11 12% a13 9%, 638.021 2.7m 1 3451 12% 159 0%' 114.971 8921 1111 12% 62 7% 320231 1.7711 21e 12% 173 10% a38.051 2.455; 301' 12% 102 7% 7sa 031 3,7061 453 12% 236 5% 995.071 8,3281 9m I 12% 3m 5% 995.071 8.328 I ON, 12% 380 5% 995.07 ; 8,33 j 995 12% 300 3% 995.071 8,325 996 12% 380 5% 995.071 6325 998 12% 380 5% 995.071 8.325 996 121% 380 5% 995.071 8,325 NO 12% 380 5% 995.07 8,325 998 12% 350 5% 9922 4,775 570 12% 315 7% 423.06 8,8110 1.050 12% 462 5% 06.06 3,681 430 12% 222 0% 320.03 4.964 57a 12% 352 7% 421.05 6.275 717 11% 430 7% 110OL07 4.6641 531 11% ! 254 6% 320.12! 4,OOD 430 11% 257 7% • 42322 7,379 767 11% am 0% 995.05 6,39D 665 10% 473 7% 6261a 7.200 748 10% 252 4% 993.09 3.50 365 10% 221 0% 633 6,702 a93 10% 511 6% BLACK % AS M % ' NATIVE % OTHER % WHITE % SO 1%; 332' 5%1 33 0% 9 0% SAW 95% 35, 1% 161 3%' 26• 0%• a 0% 4.&M 85% 85, 1%, 540 • 6%- 24 0%, 9 0% 7,6m 85% 11. 0%' 230, 9%1 5 D% 1 0% 2,196 95% S61 1%' 176! 3%1 25 0%, 3 0% 4.905 65% 101 1%' 176, 10%I 0; 0%, 1 O%f 1.477 85%, 251 1%1 2441 12' 0%. 4. O%' 3.5m1 65%1 1 37 1%1 3m1 6%i 231 0%, 3 0%' 5,611' 95%; 22 1 1%j 234 7% 201 1%1 01 0%; 2.9m185%I 34 1%1 307 0% 231 1%, 5' 0%1 4.173' 85%1 24 1%I 2041 7% 101 0%1 1 i 0% 2,510: 50% j u 1% 216j a% 7I 0% 01 0%. 3,000; 66%I I 67 1% 265I a%I a 0%I I 2 0% 4.092' m%: 16 0% 307 i 9% 1 7 0%; 0. 0% 3.073 : aa% 49 1% ta5 4% 19 0%' 1 i 0% 3,837. 6a%1 20 1% 151 5% 1 0%I 51 0%. Z557; 86%I 39 1% 136 3% 36 1%I 10 O%1 3.7451 aa% 23 0% 245 5% 20 0% 1 0%i 4.364; 80% 50 1% 210 2% 35 O% 0 0%' 7.343 a5% 43 1% 220 3% 15 0% 1 0%I 6,835 aa% 47 1%1 324 0% 32 1% 3 0%! 4.535 07% 31 1%I 4a 1%I 5 0%1 11 0%' 2,656 07% 101 0%i 124 2%I 20 0% 6' 0%; 4.624; 87% 21 1% 259 7% 10 0% 4 0%' 3.3041 67% 19I 1% 152 a% is 1% 0 0% 2.201 87%� 19 1% 234 7% 3 0% 3 D% 2,a77 87% w 1% 266 4% 1s 0% 4 0% 5.614I 87% 36 1% 109 2% 23 0% 5 0%; 6,0151 87% 20 1% 155 7% a 0% 1 0%1 2.0411 87% 44 2% 57 2% 6 0% 1 0%1 2.2301 87% 56 , 1% 171 2% 45 1% 5 O%I 6;71 ! 88% 11 0% 155 a% 10 0% 0 D%I 2.4431 8a% 2 0% 37 4% 3 0% 6 1%I M 68% a 0% 36 2% 3 0% 0 0%1 1.5m 88% 12 0%1 121 5% 6 0% 0 0%1 2.157 88% 35 1% tas 4% 13 0% 2 0%I 3.2sz1 88% 30I 0% 563 7% 23 0% 2 0%1 7.3301 88% 30 9% 563 7% 23 0% 2 0%1 7,3301 aa% 3D 0% 583 7% 23 0% 2 0%;; 7.330 j aa% 30 0% sa3 7% 23 0% 2 0%1 7.3301 8a% 30 0% 563 7% 23 0% 2 0%1 7.330I 86% 30 0% 563 7% 23 0% 2 0%1 7.330 aft 30 0% 563 7% m 0% 2 1% 7,330 88% 30 0% 563 7% 23 0% 2 0%� 7,=1 88% 35 1% 190 4% 19 0% 2 0% 4.205 86% 97 1% 476 5% 20 0% 3 0% 7,= 88% 12 09A 174 5% 22 1% 0 0% 3.251 ' ea% 21 0% 194 4% 9 0% 2 0% 4,406 m% 33 1% 230 4% 15 0% 9 0%1 5,556 89% 17 0% 223 5% 26 1% 1 0%1 4.1331 m% 22 1% 113 3% 15 0% 1 0%j 3,552I a9% 20 09A 170 2% 27 0% 4 0%1 6,592� 69% 34 1% 129 2% 19 0% 10 0%i 5.725 90% 27 0% 457 6% 9 09A 3 0%1 6.4121 90% 34 1% 96 3% 14 0% 0 0%! 3.2041 90% 25 0% 127 2% 27 0% 3 O%1 6.001 90% APPENDIX C POPULATION BY CENSUS TRACT (RANKED BY PERCENT MINORITY) TRACT TOTPOP M94POP % • H{SPA10C " % BLACK : It ASM % 1 NAME I % i OTHER 756.02; 3,070; 3951 10%1 101! • 5%, 10: 0%1 196: 5%I 61 0%; 0' 630.09 1,014' 1eo1 10%i 761 4%: 6� 0%1 921 5%1 41 0%1 0 992.44 4.110 404. 10% I 202 i 5%. 9 0%1 1621 4% i 201 1%, 3. 11496 2AM 2551 10%: 1471 6%! 5j 0141 97• 4%1 5, 0%j 1 1100.00• 4.0441 391: 10%; 162I 5% 211 1%I 172I 4%i t 15, 0%1 1 42323' 4,010' 364 10%; 2391 6%1 24 1% 102i 3%I 17' 0%1 I 21 320.19. 7,337 667 9%; 360 i 5%, 321 0% 273 4% 10 0% 1 4 42203; 5.305 4951 9%! 345 7% 26I 0% 107 2% 12 0% 5 995.06' 11367 125 9% SO 0% 3 0% 20 2% 6 0% 0 i 626.04 4,1551 3771 9% 294 7% 9 0% 71 2% 2 0% 11 630.071 5,3091 4791 9161 2311 4% 10 0% 232 4% 4 0% 2I 06 320.13' 3.5I 3151 9%1 195 0% 24 1% 90 3% 6 0% 01 6215191. 4.046 i 353 t 9% 1 266 7% 24 1% 59 1% 11 0% 1 1 110006 2.706 ; 2421 9% 116' 4% 9 0% 113 4% 4 0% 0 536.03 5,735 i 4641 0%1 297 1 5% 29 1% 133 2% 22 0% 3 995.041 2.603' 219 6% 1381 5% 11 0% 64 2% 6 0% 0 630.1 SAW 4761 6%I 2211 411 32 1% 196 356 16 0% 1 5351 6.1621 5011 8%1 321 5% 21 0% 130 2% 25 0% 4 62521 4,6241 3531 0%1 260 5% 39 1% 65 1% 14 0% 5 630.00 3551 291 0%1 22 0% 2 1% 5 1% 0 0% 0 634i 41W 3901 0% 2521 5% 29 1% N 2% 22 0% 1 531.03 . 2.4731 1061 6% i 1131 5% 6 o% 56 2% 9 0% 0 62624, 6.153• 5621 7%: 2641 3% 57 1% 223 3% 10 0% 0 626 4.0591 3391 7%1 2521 5% 15 ON 57 1% 12 0% 3 625.1. 15, 17%I 1 7% 0 0% 0 0% 0 0% 0 423.051 3,502I 2241 0%I 152 4% 13 0% 52 1% 6 0% 1 • 630.041 4,6361 253 5% 135 3% 11 0% 125 3% 9 0% 3 320.11. 1.6271 93 0% 79 5% 1 0% 2 0% 9 1% 2 625.17! 4,010 221. 6%1 09 21% 3 0% 125 396 4 0% 0 627.02: 4.755: 2601 5%I 165 3% 13 0% 73 296 9 0% 0 630.06. 3,4721 1671 5%1 116 3% 2 0% 66 2% 3 0% 0 630.05 ! 1.450 i 721 5% 33 2% 2 0% 37 3% 0 0% 0 6291.0621 791 4% 57 3% 2 0% 10 1% 2 0% 0 827.01: 3,002' 1251 4% 07 3% 6 0% 27 1% 4 0% 1 6211.231 6.4M 2621 4% 1" 256 26 0% 63 1% 5 0% 0 421.06 ' 1,3721 521 4% 40 3% 1 0% 10 1% 1 0% 0 995.091 3.6511 1241 3% 75 2% 4 0% 41 1% 3 096 1 995,11 4.4001 140 3% 95 2% 4 0% 36 1% 3 0% 0 026221 4,007i 99 2% 59 1% 11 0% 25 1% 4 0% 0 620.131 0 0 0% 0 0% 0 0% 0 0% 0 0% 0 01 0 0 0% 0 0% 0 0% 0 0% 0 0% 0 01 0 0 0% 0 0% 0 0% o o% 0 0% o 01 0 0 0 0 0 0 0 0 0 0 0 0 525.181 6 0 0161 01 0%1 0 0%1 01 0%1 ot 0% 0 POPULA76311 TOTAL I Z.47$7161 003,071 567,750 30,3p Z44.002 0,701 Z747 TOTAL PERCENTAGES r 1 m1 1 2'I 12%1 1 10%1 1 0% 0% 0% 0% 0% 0%, o%1 0%1 0%; 0% 0%! 0%i 0% 0%I 0% 0% 0% 0% 0% 0%1 0% 0% 0% 0%I 0% 0% 0%1 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%I 0 3.475 1.634 3.736 2.365 3,6M 3.656 5.550 . 4,610 1.242 3,7n I 4,030' 3.191 3,653 1 2.526 ' 5,251 2.304 5.355, 5.661 1 4A41 337 4,600 2.292 7,591 1 4.520 14 3.270 4.5531 1.5341 3.709 i 4.495 3,205 1.366 1,763 2,077 6.164 1,320 3.729 4,320 3.906 1 0 0 0 0 6I 1.000.075 90% 90% 90% 90% 90% 90%. 91% 1 91% 91% 1 91% 1 91% i 91%1 91% 1 91% 92% 92% 92% 1 92% 92% 92% 92% 82161 93961 I 93%I 93% 1411 94% 94% 94% 95% 95% 90% 96% 90% 90% 97% 97% 0% o% 0% 0 Mai i TECHNICAL APPENDIX B • Recent Legal Immigration to Orange County by City, 199&96 0 Orange County r1l_ TABLE 1. Recent Legal Immigrants: Cities of Intended Residence in Orange County, 1990-96 City Number Percent SANTA ANA 23456 17.6 ANAHEIM 15862 11.9 WESTMINSTER 10248 7.7 IRVINE 7613 5.7 FULLERTON 5765 4.3 HUNTINGTON BEACH 5525 4.1 ORANGE 4523 3.4 COSTA MESA 4288 3.2 BUENA PARK 3749 2.8 FOUNTAIN VALLEY 2999 2.3 TUSTIN 2787 2.1 STANTON 2313 1.7 YORBA LINDA 1893 1.4 LA HABRA 1699 1.3 PLACENTIA 1677 1.3 NEWPORT BEACH 1295 1.0 BREA 982 0.7 GARDEN GROVE 69 0.1 REST OF COUNTY 36730 27.5 Total 133473 100.0 Source: Data tapes of Immigration and Naturalization Service, U.S. Department of Justice, for Federal Fiscal Years 1990-1996. Note: Some cities may not be reported in this table. This is because the Immigration and Naturalization Service (INS) records place of intended residence only by zip code. For this project, zip codes were recoded to city with special focus on the largest California cities. When the label "Rest of County" appears under the "City" column, this includes unincorporated areas and cities not recoded from zip codes on the INS data tape. Upon request, more detailed information can be provided about recent immigrants (for example, zip codes of intended residence by county). California Department of Finance, Demographic Research Unit Orange County TABLE 2. Recent Legal Immigrants: Country of Birth for Orange County, 1990-96 (Country of birth not listed if group size is less than 200•persons) Rank Country of Birth Number Percent 1 VIETNAM 44314 33.2 2 MEXICO 22879 17.1 3 PHILIPPINES 8006 6.0 4 KOREA 5543 4.2 5 IRAN 5207 3.9 6 TAIWAN 4841 3.6 7 INDIA 4258 3.2 8 CHINA MAINLAND 3580 2.7 9 UNITED KINGDOM 2105 1.6 10 EL SALVADOR 1984 1.5 11 ROMANIA 1919 1.4 12 CANADA 1563 1.2 13 JAPAN 1515 1.1 14 GUATEMALA 1230 0.9 15 PERU 1127 0.8 16 CAMBODIA 1044 0.8 17 PAKISTAN 1036 0.8 18 HONG KONG 977 0.7 19 LEBANON 922 0.7 20 EGYPT 758 0.6 21 THAILAND 758 0.6 22 SOUTH AFRICA 709 0.5 23 COLOMBIA 699 0.5 24 JORDAN 682 0.5 25 INDONESIA 663 0.5 26 GERMANY 652 0.5 27 IRELAND 637 0.5 28 AFGHANISTAN 598 0.4 29 ARGENTINA 588 0.4 30 POLAND 588 0.4 31 SYRIA 546 0.4 32 LAOS 437 0.3 33 NICARAGUA 412 0.3 34 ISRAEL 410 0.3 35 BRAZIL 390 0.3 36 RUSSIA 377 0.3 37 FRANCE 350 0.3 38 AUSTRALIA 337 0.3 39 MALAYSIA 333 0.2 40 ETHIOPIA 327 0.2 41 SOVIET UNION 315 0.2 42 TURKEY 312 0.2 43 HONDURAS 300 0.2 44 BANGLADESH 286 0.2 45 IRAQ 276 0.2 46 SWEDEN 245 0.2 47 ITALY 229 0.2 48 BOLIVIA 228 0.2 49 ECUADOR 228 0.2 California Department of Finance, Demographic Research Unit Orange County C� J 11 50 SRI LANKA 225 0.2 51 NEW ZEALAND 221 0.2 52 CZECHOSLOVAKIA 212 0.2 53 UKRAINE 204 0.2 54 YUGOSLAVIA 200 0.1 Source: Data tapes of Immigration and Naturalization Service, U.S. Department of Justice, for Federal Fiscal Years 1990-1996. California Departmi Orange County TABLE 3. Recent Legal Immigrants: City and Country of Birth for Orange • County, 1990-96 (Country of birth not listed if group size is less than 100 persons) • City Country of Birth Number ANAHEIM CAMBODIA 101 CANADA 102 CHINA MAINLAND 406 EGYPT 119 EL SALVADOR 307 ETHIOPIA 132 GUATEMALA 253 HONG KONG 115 INDIA 804 IRAN 551 JAPAN 101 JORDAN ill KOREA 635 LEBANON 141 MEXICO 3932 PAKISTAN 166 PERU 208 PHILIPPINES 1426 ROMANIA 625 TAIWAN 445 UNITED KINGDOM 149 VIETNAM 2988 BREA BUENA PARK California Department Orange County • COSTA MESA EL SALVADOR 225 GUATEMALA 114 IRAN 166 MEXICO 742 PHILIPPINES 256 UNITED KINGDOM 129 VIETNAM 1026 141 FOUNTAIN VALLEY CHINA MAINLAND IRAN 114 KOREA 100 MEXICO 119 PHILIPPINES 103 TAIWAN 345 VIETNAM 1150 196 FULLERTON CHINA MAINLAND INDIA 391 IRAN 206 KOREA 990 MEXICO 991 PHILIPPINES 319 ROMANIA 309 TAIWAN 199 VIETNAM 776 • 155 HUNTINGTON BEACH CANADA CHINA MAINLAND 229 INDIA 136 IRAN 228 JAPAN 168 KOREA 228 MEXICO 596 PHILIPPINES 285 TAIWAN 324 UNITED KINGDOM 215 VIETNAM 1368 154 IRVINE CANADA CHINA MAINLAND 625 HONG KONG 146 INDIA 375 IRAN 1017 ISRAEL 116 JAPAN 296 KOREA 492 MEXICO 168 PAKISTAN 132 PHILIPPINES 376 SOUTH AFRICA 372 TAIWAN 1012 • UNITED KINGDOM 186 589 VIETNAM California Department of Finance, Demographic Research Unit Orange County • LA HABRA MEXICO 779 • NEWPORT BEACH CANADA 120 IRAN 165 UNITED KINGDOM 106 ORANGE CHINA MAINLAND 134 GUATEMALA 104 INDIA 162 IRAN 166 KOREA 125 MEXICO 937 PHILIPPINES 314 TAIWAN 202 VIETNAM 1169 PLACENTIA CHINA MAINLAND 101 INDIA 134 MEXICO 439 TAIWAN 153 VIETNAM 219 SANTA ANA CAMBODIA 519 CHINA MAINLAND 219 COLOMBIA 129 EL SALVADOR 730 GUATEMALA 286 ,INDIA 135 IRAN 149 KOREA 126 LAOS 184 MEXICO 8679 NICARAGUA 102 PERU 151 PHILIPPINES 662 TAIWAN 168 THAILAND 156 UNITED KINGDOM 100 VIETNAM 9520 STANTON MEXICO 356 PHILIPPINES 131 VIETNAM 1299 TUSTIN INDIA 150 MEXICO 409 PHILIPPINES 375 TAIWAN 149 VIETNAM 518 California Department of Finance, Demographic Research Unit Orange County • WESTMINSTER CHINA MAINLAND 147 KOREA 108 MEXICO 433 PHILIPPINES 244 VIETNAM 8220 111 YORBA LINDA CHINA MAINLAND INDIA 174 IRAN 121 KOREA 153 PHILIPPINES 141 TAIWAN 280 VIETNAM 181 216 REST OF COUNTY AFGANISTAN ARGENTINA 151 AUSTRALIA 115 BRAZIL 117 CAMBODIA 180 CANADA 572 CHINA MAINLAND 900 COLOMBIA 222 EGYPT 208 EL SALVADOR 283 FRANCE 126 • GERMANY 202 GUATEMALA 218 HONG KONG 245 INDIA 1024 INDONESIA 184 IRAN 1939 IRELAND 218 ISRAEL 103 JAPAN 423 JORDAN 188 KOREA 1761 LEBANON 278 MEXICO 3466 PAKISTAN 261 PERU 309 PHILIPPINES 2501 POLAND 152 ROMANIA 357 RUSSIA 105 SOUTH AFRICA 135 SYRIA 158 TAIWAN 1043 THAILAND 170 TURKEY 106 UNITED KINGDOM 832 VIETNAM 14853 . California Department of Finance, Demographic Research Unit Orange County • Source: Data tapes of Immigration and Naturalization Service, U.S. Department of Justice, for Federal Fiscal Years 1990-1996. • California Department of Finance, Demographic Research Unit TECHNICAL APPENDIX C • Orange County Employment Estimates, 1992 to 1998 ! 0 ! Title Civilian Labor Force Civilian Employment Civilian Unemployment Civilian Unemployment Rate . Total, All Industries Total Farm Farm Production Farm Services Total Nonfarm Goods Producing Mining Construction General Building Contractors Heavy Construction Special Trade Manufacturing Durable Goods Lumber & Wood Products Lumber, Wood, & Furniture Furniture & Fixtures Stone, Clay, & Glass Primary & Fabricated Metal Primary Metals Fabricated Metal Products Industrial Machinery Computer & Office Equipment EMPLOYMENT ESTIMATES FOR ORANGE COUNTY 1992 TO 1998 1992 1993 1994 1995 1996 1997 1998 1,309,700 1,328,400 1,335,000 1,331,000 1,340,200 1,3 85,000 1,435,400 1,220,900 1,23 8,600 1,258,500 1,263,300 1,285,200 1,339,800 1,394,000 88,800 89,800 76,500 67,700 55,000 45,200 41,400 6.8% 6.8% 5.7% 5.1% 4.1% 3.3% 2.9% 1,133,300 1,122,700 1,133,800 1,158,000 1,191,100 1,240,800 1,301,600 7,200 7,300 7,000 6,300 6,700 6,900 6,300 6,000 6,200 6,000 5,500 5,900 6,100 5,700 1,300 1,100 1,000 800 900 800 600 1,126,000 1,115,400 1,126,800 1,151,700 1,184,300 1,233,900 1,295,300 267,500 252,600 253,200 256,100 264,600 281,400 300,100 1,100 900 900 900 900 900 900 47,700 44,500 47,300 49,800 52,500 58,100 63,200 10,800 10,900 11,600 11,700 12,400 13,200 14,200 3,400 3,300 3,900 4,900 5,100 5,500 5,500 33,500 30,300 31,700 33,200 35,100 39,300 43,400 218,800 207,200 205,000 205,500 211,200 222,400 236,000 150,800 138,700 135,500 134,500 139,300 149,100 160,800 9,300 8,900 9,300 9,700 10,300 11,400 12,900 3,000 2,800 2,800 2,600 2,700 3,000 3,400 19,700 18,900 19,300 19,700 21,100 21,900 22,600 30,600 28,800 25,600 23,700 24,200 25,600 27,600 13,700 - 12,900 10,300 8,500 8,600 8,600 8,900 • 40 Title 1992 1993 1994 1995 1996 1997 1998 Other Industrial Machinery 16,900 15,900 15,300 15,200 15,600 17,000 18,700 Electronic Equipment 28,100 24,500 25,100 27,800 30,400 33,900 37,800 Radio, TV, Comm. Equip., Elec Comm. Equip., Elec. Compnts 16,800 14,600 15,100 17,100 19,100 21,700 24,400 Other Electronic Equipment 11,300 9,900 10,100 10,700 11,300 12,200 13,400 Transportation Equipment 22,600 20,000 19,200 18,300 18,000 20,500 22,700 Motor Vehicles & Equip. Aircraft & Parts 6,800 5,800 5,600 5,900 6,100 7,400 8,700 Aircraft, Missiles & Space Veh. Ship & Boat Building/Repair Missiles, Spacecraft & Parts 11,900 9,900 8,700 7,200 6,600 7,000 7,300 Other Transportation Equip. 4,000 4,300 4,900 5,100 5,300 6,100 6,700 Instruments &Related Prods. 34,100 31,200 30,200 27,700 27,200 27,400 28,500 Search & Navigation Equip. 14,900 12,000 11,600 8,900 7,800 8,000 8,200 Measuring & Control Devices 8,100 8,300 7,800 8,500 8,500 8,600 8,700 Other Instruments & Related 11,100 11,000 10,800 10,300 10,900 10,800 11,600 Miscellaneous Manufacturing 3,400 3,600 4,000 4,900 5,300 5,400 5,400 Nondurable Goods 68,000 68,500 69,500 71,000 71,900 73,300 75,200 Food & Kindred Products 10,500 10,800 10,600 10,400 10,300 9,700 9,300 Canned, Cured & Froz. Foods 4,800 4,700 4,500 4,400 4,000 3,200 2,600 Other Food & Kindred Prod. 5,700 6,000 6,100 6,000 6,300 6,500 6,700 Textile Mill Products Textile Mill Products & Apparel 10,700 11,200 12,200 13,900 15,500 16,200 17,000 Apparel & Other Textile Prods Paper & Allied Products Paper, Printing & Publishing 21,500 20,900 21,000 20,900 20,300 20,600 21,800 Printing & Publishing Chemicals & Allied Products Chemicals, Petroleum & Coal 10,500 10,700 10,300 10,300 10,700 11,200 12,100 Title Petroleum & Coal Products Rubber & Misc. Plastics Prods Rubber, Plastics, & Leather Leather & Leather Products Service Producing Transportation & Public Utilities Transportation Local & Interurban Pass. Trans. Trucking & Warehousing Air Transportation Other Transportation Communications & Public Util. Communications Electric, Gas & Sanitary Serv. Trade Wholesale Trade Wholesale --Durable Wholesale --Nondurable Retail Trade Bldng Materls & Garden Supp. General Merchandise Food Stores Automotive Dealers & Service Apparel & Accessory Stores Eating & Drinking Places Other Retail Trade Finance, Insurance & Real Estate Finance Finance 1992 1993 1994 1995 1996 1997 1998 14,800 14,900 15,400 15,500 15,100 15,600 15,100 858,500 862,900 873,700 895,600 919,700 952,500 995,200 35,400 36,700 39,400 42,400 42,800 44,400 46,500 18,900 20,100 22,200 24,100 25,000 25,600 26,400 2,000 2,200 3,500 3,400 3,100 3,200 3,300 9,900 10,800 11,100 12,400 10,100 10,500 10,700 2,200 2,500 2,700 2,900 6,200 6,000 6,300 4,800 4,600 5,000 5,400 5,600 5,900 6,200 16,500 16,700 17,200 18,200 17,900 18,800 20,000 11,700 11,700 11,800 12,100 12,200 13,500 14,800 4,800 5,000 5,400 6,200 5,700 5,300 5,200 280,700 277,700 282,700 291,600 298,600 309,900 321,200 79,200 76,700 79,300 84,500 89,600 93,900 98,500 53,600 53,800 55,100 58,300 61,800 64,700 67,300 25,700 22,900 24,200 26,300 27,800 29,200 31,200 201,500 201,000 203,400 207,100 209,100 216,000 222,800 7,600 7,300 6,900 6,900 7,000 7,900 8,600 19,900 21,000 20,900 21,400 20,800 20,600 22,000 27,800 26,700 25,800 27,000 25,400 25,900 26,200 17,200 16,900 17,400 17,800 18,300 19,100 19,900 13,700 13,500 13,900 13,400 13,700 14,700 15,000 77,800 78,600 79,000 79,800 82,600 85,500 87,300 37,500 37,000 39,500 41,000 41,400 42,300 43,800 94,200 93,800 91,800 84,900 86,900 92,900 99,400 37,900 39,800 37,600 32,800 34,900 38,800 43,500 Title Insurance Real Estate Other Fin., Ins. & Real Estate Services Hotels & Other Lodging Places Personal Services Business Services Amusement, Including Movies Health Services Private Educational Services Engineering & Management Other Services Government Federal Government Department of Defense Other Federal Government State & Local Government State Government State Education Other State Government Local Government Local Education County Government City Govemment Other Local Government Special Districts Other State & Local Govt. 1992 1993 1994 1995 1996 1997 1998 29,600 26,800 29,000 25,000 29,200 25,100 27,700 24,400 28,100 23,900 29,900 24,200 30,900 25,000 320,700 326,900 330,600 348,600 361,700 372,700 392,100 17,300 17,200 17,000 17,500 18,100 18,100 19,100 11,000 11,100 10,800 11,100 11,300 12,000 12,300 80,900 83,800 85,600 95,700 100,700 107,800 116,400 26,000 27,300 28,400 29,700 31,500 31,100 32,500 74,700 75,800 76,300 77,000 79,900 79,100 77,900 9,500 9,800 10,600 11,400 11,700 12,400 12,900 38,600 38,400 38,000 39,400 39,600 40,800 43,600 62,600 63,500 64,000 66,700 68,900 71,400 77,400 127,500 127,800 129,200 128,200 129,700 132,700 136,000 15,500 15,600 15,800 15,400 14,500 13,500 13,300 3,100 3,300 3,100 2,800 2,700 2,400 2,100 12,300 12,300 12,600 12,700 11,800 11,000 11,200 112,100 112,200 113,500 112,800 115,100 119,200 122,700 21,000 20,900 20,900 21,000 20,600 20,800 21,700 12,000 11,900 12,100 12,300 12,400 12,800 13,300 9,100 9,000 8,900 8,800 8,200 8,000 8,300 91,100 91,200 92,600 91,700 94,600 98,400 101,100 53,000 53,000 54,400 55,100 58,200 62,200 64,700 17,100 17,600 17,700 16,700 16,600 17,000 17,600 17,200 17,000 16,800 16,400 16,500 16,200 16,300 3,500 3,300 3,000 2,600 3,800 3,700 3,700 Title Note on column A: Note on column C: Note on column D: Note on column E: 1992 1993 1994 1995 1996 1997 1998 data are benchmarked through March of the year displayed. a'C' means the cell is currently estimated, an 'O' means it is obsolete. these numbers represent the published print sequence. the historical series has a non -economic break in January of years displayed. Note on column F: 'SIC' refers to the Standard Industrial Classification. Orange MSA Annual Average Labor Force and Industry Employment Oran0AA8.XLS March 1998 Benchmark i TECBNICAL APPENDIX D Lending Policies and Practices: An Update of Underwriting Criteria • From State Department of Real Estate Publications . I. FANNIE MAE AND FREDDIE MAC PURCHASE MONEY MORTGAGES* A. Income, Employment and Credit Criteria Residential Loan Application Used Fannie Mae: Residential Loan Form 1003. Freddie Mac: Residential Loan Form 65. Note: These two forms are identical and both numbers are printed on the bottom of the form. 2. Definition of Income Fannie Mae: For income to be considered it must be verified. Salary and wage income is the easiest to verify, but income from other sources can be considered as long as it is properly documented. Bonus, commission, and overtime income can be counted only if the applicant has been employed by the same firm for the last two years and the income represents less than 25% of the applicant's income, and the IRS W-2 forms and earnings statements indicate an earnings level consistent with the total income being considered. As long as the employer does not preclude continuation of bonus, etc., income, then it can be included in estimating applicant income. For sales personnel, tax return Schedule "C" may be required to idento sales related expenses. Part-time or second job income may be used if it can be verified for the last two years and has a strong likelihood of continuing. It must be supported by IRS W-2 forms. "Because minority or low- and moderate -income families tend to rely on secondary income, lenders should be sure that their treatment of such income does not artificially restrict the home financing opportunities for members of those groups." *NOTE: THIS TECHNICAL APPENDIX IS AN UPDATE OF THE ONE CONTAINED IN THE 1996 REGIONAL FAIR HOUSING IMPEDIMENTS ANALYSIS. ALL CHANGES AND UPDATES ARE NOTED IN BOLD ITALICS. D-1 . Recent pay stubs are required to show income for a full 30 day period Employees that are paid weekly must show five weekly pay stubs. Any applicant receiving alimony or child support payments must present a copy of the divorce decree and final judgment. Further, proof of payments are for such income to be applied to any income/debt ratios. Freddie Mac: Stable monthly income is the borrower's verified income from primary employment plus secondary income, such as bonuses, commissions, overtime, or part- time employment. Secondary income can be counted, but only if it can be verified and substantiated by the borrower's previous two years' earnings and if continuation is probable based on foreseeable circumstances. Income from alimony, child support, public assistance, or retirement benefits can be considered to be extent that they will continue into the future (minimum of three years). Factors such as age, education, training, skills, occupation, and past employment history should be considered in determining stable monthly income. Rental income from borrower's primary residence or second home shall not be considered. (Fannie Mae's caveat on secondary income, • described above, is not included here.) 3. Employment History Fannie Mae: Applicant needs to have two full years of employment. Job-hopping can be considered favorably if it has led to advancement. Job-hopping without advancement may indicate an inability to master a job and lead to unstable income. Applicants with questionable employment histories must have offsetting financial strengths to be considered for maximum financing. If applicant was discharged from military or was in school, he/she must supply a copy of the discharge papers or diploma. Freddie Mac: Borrower's employment and income must be verified for the two consecutive years before the date of mortgage application. Frequent changes of employment in the recent past must be satisfactorily explained. A borrower who has changed jobs frequently for advancement in the same line of work should receive favorable consideration if there is evidence that the borrower is successful in that line of work but has outgrown the opportunities provided by the previous employer. Frequent 0 job changes without advancement or changes from one line to another could lead to D-2 . unstable income. But if the borrower has maintained a stable income over the recent past, job-hopping without advancement should not result in unfavorable consideration. "Job-hopping may occur because of race or sex discrimination. An unstable employment history may be offset by the borrower's financial strength and by a consistent ability to meet financial obligations when due." 4. Self-Emplovment Fannie Mae: If applicant owns 25% or more of a business, applicant is considered to be self-employed. Self-employment is considered stable if the applicant has been self- employed for two or more years. If less than two years, applicant can still qualify if there has been a two-year history of previous successful employment in same or related field. However, generally, a lender should not approve the use of maximum financing terms if the borrower has been self-employed for less than two years. Documentation for self- employment income is much more extensive than for wage and salary income. • Tax returns are required for the prior two calendar years and profit and loss statements for any partial year are required A balance sheet should also be submitted Freddie Mac: Similar to Fannie Mae's criteria, described above. 5. Credit History Fannie Mae: Generally, a residential mortgage credit report from an independent consumer reporting agency is required. If the applicant does not have a credit history (because credit has not been used in the past), the lender can develop a credit history using information such as rent -paying verification, verification of utility payments, personal property tax, etc. If adequate credit history cannot be established, more conservative mortgage terms must be used. Where there is evidence of"derogatory credit", documentation is necessary to explain it. Freddie Mac: Credit -worthiness of borrower is determined by mortgage seller. Freddie Mac relies on seller's assessment. The Freddie Mac Bulletin of January 27, 1992, clarified how lenders should treat borrower's without established credit accounts. Similar D-3 . to Fannie Mae, other file documents are acceptable which demonstrate the borrower's ability to make periodic payments approximating the total monthly debt payment over an extended period of at least two years. 6. Prior Foreclosure Fannie Mae: If the applicant has been a defendant in mortgage foreclosure proceedings within the last three years, Fannie Mae will not purchase the mortgage. Exceptions would be made if the foreclosure were the result of factors beyond applicant's control, such as long-term illness, death of principal wage earner, or loss of employment due to factory shutdowns, and natural disasters. The lender's underwriter must confirm that the applicant has re-established good credit. Freddie Mac: Same as Fannie Mae. 7. Late Payment History • Fannie Mae: Occasional late payments over several years may not need an explanation if the borrower had an otherwise good payment history, particularly if it has been several years since the last late payment. Lenders are dependent on borrower's credit score as given on FICO score credit reports. The FICO score has a range from 500 to 800 points. Each of the three bureaus provides a score. The lender will take the middle FICO score of the primary wage earner in order to establish the FICO score. A FICO score of 620 is the minimum to be considered by Fannie Mae guidelines. Freddie Mac: If the borrower's credit history reflects late payments, particularly when the dollar amount is significant or more than one debt is involved, the lender must determine whether the late payments were due to the borrower's disregard for or mismanagement of financial obligations or to outside factors clearly beyond the control of the borrower. Written explanations may be required from the borrower. 8. Bankruptcy Fannie Mae: An elapsed time of two years since the discharge of the bankruptcy and the mortgage application is enough time to re-establish credit. A shorter period, but not less than 12 months, is justified if the lender can document that the bankruptcy had been due D-4 to extraordinary circumstances that are unlikely to repeat. In all cases, documentation is required to support the credit -worthiness of applicant. Freddie Mac: Criteria are similar to Fannie Mae's. 9. Documentation Fannie Mae: Documentation for credit and income verification includes residential mortgage credit report, verifications of deposit, employment, federal income tax returns for the past two years, self-employment analysis for self-employed borrowers, comparative income analysis, verification of payment history on prior mortgages, and any other documentation required to make a prudent underwriting decision. Additional helpful information is copies of bank statements for the last 90 days. Also, copies of 401k programs, which show additional funds either for downpayment or emergency reserves. • Freddie Mac: Similar to Fannie Mae. B. Financial and Loan Parameters 1. Loan -to -Value Ratio Fannie Mae: The maximum LTV ratio is 97% on a FLEX Program. If lenders wish to use Time Saver Documentation, then the maximum LTV ratio for a variable rate loan is 90%. The FLEX Program allows the 3% downpayment to come from the borrower and all other closing costs can be gifted Freddie Mac: Maximum LTV ratio is 95%. Maximum for an ARM loan is 90%. 2. Value of Loan . Fannie Mae: Maximum loan amount is $252, 700. D-5 Freddie Mac: Value of loan will be the lower of appraised value or purchase price. Maximum loan amounts are specified: for a single family home, maximum is $252, 700 as of January 1, 2000. Rehabilitation costs can be included so that the value of the loan covers both the purchase price and rehabilitation costs. 3. Down Payment Source and Limitations on Contributions Fannie Mae: It is assumed that the move -in costs come from the borrower's savings. Where money comes from other sources, there may be limitations on the amount. The limits are a function of the LTV ratio and nature of occupancy (e.g., principal residence or second home). If contributions exceed these limits, the sale price is adjusted downward so that the final loan amount will be less. Contributions made to the sales transaction by a non -participant, such as employer or family member, have no limitations. Freddie Mac: There are restrictions on the use of secondary financing. When added into first mortgage, LTV ratio maximum still cannot be exceeded. Other restrictions cover maturity date, prepayment, and scheduled payments. • When a buy -down program is used, it must be demonstrated that the borrower will be able to handle higher payments, i.e., evidence that income will rise, credit history is excellent, there is liquid assets available, etc. There are restrictions on shared -equity plans. The most significant is that the owner - occupant's savings must cover at least five- percent down payment. 4. Amount of Savings Fannie Mae: Borrowers must have sufficient funds to cover down payment, closing costs, and loan fees, as well as additional cash reserves to cover at least two mortgage payments. A borrower can obtain funds as a gift to satisfy part of the cash requirement for closing only if the donor is a relative. However, even if the borrower receives cash gifts, he/she must pay for at least 5% of the sales price. This requirement will be waived and the full down payment may be a gift, if the LTV ratio is 80% or less. Lenders must always investigate any indications of borrowed funds. D-6 Freddie Mac: Prepaid escrows, closing costs, and financing costs must be paid out of borrower's cash. If covered by someone else, the amount must be included in the contribution calculation. The Freddie Mac Bulletin of January 27, 1992 modified the guidelines regarding equity to recognize the acceptability of "extended family" cash contributions. Similar to Fannie Mae, cash reserves covering two months of PITI are required. 5. Housing Expense Fannie Mae: The sum of fixed installment payment for mortgage, escrow deposits for insurance, real estate taxes, mortgage insurance, miscellaneous (e.g, homeowners' association dues), and payments required for subordinate financing. Freddie Mae: The sum of principal, interest payments, insurance, real estate taxes, mortgage insurance, and other as applicable (mortgage insurance premiums, leasehold payments, homeowners' association dues, and payments required on secondary financing). This appears to be essentially the same as Fannie Mae except there is no reference to escrow deposits and it appears that mortgage insurance may be optional. (See above.) 6. Housing -Expense -to -Income Ratio (Also treatment of ARMS) Fannie Mae: Housing -expense -to -income ratio must be based on initial mortgage interest rate. ARMS are treated differently because they may require interest rate adjustment. Thus, the highest possible interest rate that could be charged at the end of the year should be used in calculating housing costs. Housing -expense -to -income ratio must not exceed 28%, but lenders may use higher ratios if they fully document compensating factors. If there are co -borrowers who are not occupying the property, there is an additional qualifying ratio for co -borrowers who are occupying the property. The owner -occupant co -borrower must have a monthly housing -expense -to -income ratio of 35% or less (after the income and expenses for the non -occupying co -borrower have been excluded). Freddie Mac: A ratio of 25-28%. The ratio can exceed 28% in exceptional circumstances, such as a demonstrated ability to pay more for housing, good credit . history, potential for increased earnings. (There are additional exceptions, but these appeared most critical.) D-7 0 7. Total Obligations Fannie Mae: Total obligations are 'the sum of the monthly housing expense, monthly payments on installment and revolving debt, monthly mortgage payments on non -income - producing real estate, and monthly alimony, child support, or maintenance payments. Freddie Mac: Same as Fannie Mae. 8. Total -Obligations -to -Income Ratio Fannie Mae: The maximum total -obligations -to -income ratio is 36% of the borrower's stable monthly income, regardless of LTV ratio. Lenders may use higher rates if they fully document compensating factors that justify them. Similar to the housing -expense - to -income ratio, there are special qualifying ratios for occupants and co -borrowers whose other co-borrower(s) are non -occupants. The owner -occupant, co -borrower must have a total -obligations -to -income ratio of 43% or less. • Freddie Mac: A ratio of 33-36%. If there are exceptional circumstances, as listed above under housing -expense ratio, this ratio can be exceeded. C. Mortgage Insurance, Title Insurance Fannie Mae: Insurance is required in most cases. Freddie Mac: Mortgage insurance, title insurance, and general property insurance are required. However, if LTV ratio is less than 80%, the mortgage insurance is not required. D. Appraisal Criteria Because the same report form is used by both institutions, most of the key points are listed under Fannie Mae, but would for the most part also apply to Freddie Mac. 1. Annraisal Form Used • Fannie Mae: Uniform Residential Appraisal Report 1004. D-8 Freddie Mac: Uniform Residential Appraisal Report 70. Note: These two forms are identical and both numbers are printed on the bottom of the form. ISome of the compensating factors are as follows: large down payment, property is energy -efficient, borrower has demonstrated ability to pay a greater portion of income to basic needs such as housing, good history of savings, maintenance of good credit or debt - free position, potential for increased earnings, purchase is due to corporate relocation and spouse has not yet found work (but is likely to do so), and borrower has net worth substantial enough to indicate ability to repay mortgage. One ore more of the factors must apply if ratio is to be higher than 3616. (There are conditions that must apply if a borrower with a higher ratio wishes to be approved for a mortgage with a LTV ratio above 90%) 2. Residential Use Requirement Fannie Mae: Must be primarily residential in nature and owner -occupied. Covers second homes as well. Freddie Mac: Must be residential and owner -occupied. Covers second homes as well. 3. Compatibility of Residential Use with Local Zoning Fannie Mae: Improvements must represent a legal use. There are a few exceptions, primarily in the area of illegal accessory apartments. If illegal accessory apartments are typical for the market area, then they are acceptable. Freddie Mae: If subject property does not conform to local zoning, it must be a legal non -conforming use. 4. Selection of Market Area The market area is used to select comparable sales and assess whether irregular housing or neighborhood conditions are typical of comparable market area. D•9 • Fannie Mae: No exact guidance is provided on how market area is selected. However, the selection of a market area is vital in selecting comparables and determining the effect existing conditions of both the house and neighborhood will have on values. If declining values in the general area are noted, market evidence and other information are needed to explain any impact the decline is having on property values. It is necessary to use at least three comparable sales from the same area. This could be a problem, if sales activity is slow. Freddie Mac: Similar to Fannie Mae, it is necessary to select a market area and comparable sales in order to appraise the subject property. 5. Neighborhood Characteristics Neighborhood characteristics include surrounding land uses, streets, condition of surrounding properties, and hazardous wastes. Fannie Mae: Basic concern is that the neighborhood should be acceptable to a sufficient number of buyers to support an active market for the property. Mixed land uses are perceived to contribute to unstable values, but mixed residential types may enhance values. Land use changes and tenure shifts should be described. Shifts from owner to renter occupancy could have negative impacts on value. Streets should be properly maintained, and lots should be regular. If these conditions do not apply, and if deviations are not typical of the neighborhood, then the lender may require more conservative mortgage terms. Even if conditions are typical, if they fall short of requirements imposed by the competitive market, then the lender may, still wish to require more conservative terms. If there are hazardous wastes nearby,, adjustments to value should be made. Freddie Mac: Race and racial composition of an area cannot be used in an appraisal report. Streets surrounding property must be maintained in a manner that meets community standards. If there are differences between the subject property's streets and the streets where comparable sales' properties are located, then appropriate adjustments to value must be made. n D-10 • 6. House Characteristics House characteristics include age, layout, lot, and overall improvements. Fannie Mae: Actual and effective age2 should be reported. Mortgages on older properties are acceptable as long as "they will be acceptable to homebuyers in the property's market area". If layout or heating and cooling are not acceptable to the market, then adjustments in price need to be made. Assigning improvement analysis rating is undertaken relative to other properties in the market area. Even if properties are typical of other properties in the area, detrimental conditions such as deferred maintenance or lack of updating, should still be noted. The comment section on Form 1004 addresses other housing inadequacies that can affect value. Freddie Mac: Freddie Mac does not require that the estimate of remaining economic life be related to the loan term. • 2Effective age is the number of years of age that is indicated by the condition of the structure, distinct from the chronological age. 0 Sources: Fannie Mae, The Anoraisal Guide, Consumer Education Group, Washington, D.C., Summer 1991. Underwriting Guidelines, June 30, 1990. Freddie Mac, Sellers' and Servicers' Guide, Volume 1, 1991. Freddie Mac Bulletin Number 92-2, January 27, 1992, was used to update information in the Sellers' and Servicers' Guide. (Note: this bulletin primarily clarified how existing guidelines should be interpreted. There were few, if any, actual changes to the guidelines.) D-11 • II. FHA AND VA PURCHASE MONEY MORTGAGES A. Income, Employment, and Credit Criteria 1. Residential Loan ApWication Used FHA: HUD -- 92900 -- WS Application for HUD/FHA Insured Mortgage. VA: VA Form 26-6393 Loan Analysis is used to analyze applicant's income and credit acceptability for a VA loan. 2. General FHA: Evaluation of mortgage credit risk is based on four elements of risk: credit characteristics, adequacy of effective income, stability of effective income, and adequacy of available assets. A thorough analysis of all aspects of these elements is required. Based on the loan examiner's judgement, each element is either accepted or rejected; at least one element must be rejected to reject the borrower, even though each element may be borderline. No numerical values or credit scoring is used in credit analysis. VA: Published guidelines explicitly allow for flexibility and encourage underwriters to exercise judgment and common sense in the underwriting process, reiterating that income and credit analysis is not an exact science. Nonetheless, a VA publication notes that while the veteran is entitled to the benefit, approval of a loan for a veteran who is a credit risk or unable to repay the loan is a disservice to the veteran. 3. - Definition of Income FHA: Only effective income is considered, which encompasses gross income from all sources that can be expected to continue for the first five years of the mortgage. Income from overtime and part-time work, bonuses, etc., are included if it can be established that these earnings are characteristic and can be expected to continue during the first five years of the mortgage. Tip income must reflect the actual amount of money received and reported to the IRS by both the employer and borrower. D-12 • VA: Income must be verified and considered reliable to be counted. Income from overtime or part-time work or a second job can be included only if there is a reasonable likelihood that it is continuous and will continue in the foreseeable future. Generally, income will not be considered reliable unless it has continued for two years. Commission earnings are included based on documentation and assessment of reliability similar to that required for self-employment. Annuity, pension, or other retirement income is included. 4. Employment History FHA: Two full years of employment history must be reviewed. If two years cannot be verified, a written statement from the applicant is required. Projected income is not acceptable for qualifying purposes. VA: Generally, full-time employment is not considered stable if the applicant has been employed less than 12 months, although consideration may be given to other factors (qualifications, education, specialized training, etc.). If so, a written explanation must accompany the loan submission. Short-term employment along with frequent job changes should be explained. There are special guidelines addressing recently discharged veterans who have little or no prior employment experience other than their military occupation and veterans who have retired after 20 years of service, many of whom may have been employed in new jobs for a short time. 5. Self -Employment FHA: Individuals are considered self-employed when they have an ownership interest of 25% or more in a business. A minimum of two years' income must be verified. Similar to Freddie Mac, income from self-employment is considered stable if the borrower has been self-employed two or more years. A person self-employed for between one and two years must have at least two years of previous employment or combination of one year employment and education/training to be eligible. Self-employment for less than one year does not establish stable self-employment and the income cannot be considered as effective income. 0 D-13 • VA: Similar to FHA, self-employment income is considered stable if the applicant has been in business for at least two years; the employment may be considered stable with only one year if the applicant had previous, related employment or extensive specialized training. Self-employment for less than one year will rarely qualify through the possibility is not precluded as it is with FHA. Extensive documentation of self- employment income is required, including income tax returns, a profit and loss statement, and a current balance sheet, prepared by an accountant. 6. Credit History FHA: A Residential Mortgage Credit Report (RMCR) from a credit reporting agency is required for all borrowers. FHA is not FICO score driven in order to underwrite the file. The report gives a detailed account of the credit, employment, residence history and public record information regarding an individual. Extent of credit used and payment history are important considerations. A borrower is not eligible if the credit history indicates that the borrower cannot be expected to repay creditors on a timely basis. The handbook specifies that lack of credit history is not to be used as the basis for a credit • rejection for young borrowers who have not established credit and for borrowers who choose to pay cash for purchases. VA: There are no specific guidelines regarding the number of missed or late payments; however, the applicant must be evaluated as a satisfactory credit risk after analysis of the available credit data. A publication mentions that payment of outstanding debts after the credit is questioned does not change an unsatisfactory record of paying debts. Similar to FHA, the lack of credit history does not preclude determination of satisfactory credit. 7. Prior Foreclosure FHA: A prior foreclosure does not automatically mean rejection, but is to be considered in the overall credit analysis. Extenuating circumstances include long-term illness, death of principal wage earner, or loss of employment because of factory slowdowns or shutdowns in a single industry town. VA: Prior foreclosures, including foreclosures on FHA or VA loans, do not 41 automatically disqualify the borrower; the final decision depends on the circumstances. Guidelines used are the same as those on bankruptcies. D44 . 8. Late Payment History FHA: An applicant currently delinquent on any federal loan (SBA, student loan, etc.) is not eligible for mortgage insurance until the delinquency has been cured or arrangements made for repayment. VA: Federal debts are considered the same as with FHA. 9. Bankruntcy FHA: A bankruptcy caused by business conditions or circumstances beyond the control of the borrower will not be cause for rejection after one year has passed, if no new bad credit information is reported and the borrower has arranged to avoid credit purchases. Failure to use credit after bankruptcy discharge is a favorable factor. VA: A bankruptcy discharge in the past two to three years usually means assessment as an unsatisfactory credit risk unless the borrower has satisfactory record of credit payments .. since the bankruptcy and the bankruptcy was caused by circumstances beyond his/her control (unemployment, prolonged strike, medical bills not covered by insurance). Bankruptcy more than five years ago may be disregarded; for a bankruptcy three to five years ago, the applicant might be considered, depending on the circumstances that caused the bankruptcy. 10. Documentation FHA: A lending institution employee must conduct a face-to-face interview with all the borrowers to verify information on the application. Picture identification and social security number are required. Verification of all income sources is required, as is identification of source of funds for down payment. VA: Verification of income sources required. In addition to employment verification, an original pay stub is required. The information must not be more than 90 days old. Extensive documentation for self-employment is required. (See above.) For military income, an original copy of a current Leave and Earnings Statement (LES) is required. D-15 . B. Financial and Loan Parameters CI 1. Loan -to -Value Ratio FHA: Loan -to -value ratio and maximum mortgage are based on the lesser of total acquisition cost or the appraised value plus closing costs. The maximum cannot exceed 97% of the first $25,000 of appraised value and 95% of the value above $25,000. For unrelated co -borrowers or if only one co -borrower will occupy the property, the maximum mortgage is limited to 75% of appraised value. VA: The limits are 100% of the first $25,000 and 95% of the amount above $25,000. Minimum cash investment of $200 is required. 2. Value of Loan FHA: Single family loan limit in Orange County is $219,849 for the year 2000. Limits are increased periodically. VA: Maximum in Orange County as of is $ 3. Down Payment Source and Limitation on Contributions FHA: Source of funds for closing and transaction may be cash on deposit, sale of residence or investment property, sale of securities, or cash surrender value of life insurance. The sources must be verified. A gift of the down payment amount is acceptable if the gift is from a close relative, a close friend, the borrower's employer, a charitable organization, or a federal, state or local government agency. A gift letter is required as verification. No one associated with the purchase (builder, seller, real estate broker, or anyone associated with them) may make a gift of the down payment to the buyer. However,100% of all closing costs can be gifted from non -relatives. VA: The borrower must have liquid assets sufficient to close the loan. In cases where sales price exceeds the appraised value, the borrower must have cash resources to cover the difference. There is no mention of funds from gifts. D-16 0 4. Amount of Savings FHA: See above. Additional reserves to cover PITI (principal, interest, taxes, and insurance) are not required. VA: See above. Additional reserves to cover PITI are not required. 5. Housing Expense FHA: Total mortgage payment is defined as PITI. VA: Monthly shelter expenses include PITI as well as estimated maintenance and utility expenses (estimated based on age and condition of property) and homeowners association dues or special assessments. 6. Housing -Expenses -to -Income Ratio) (Also treatment of ARMS) . FHA: Mortgage payment expenses are not to exceed 29% of effective gross income unless there are compensating factors that tend to reduce risk. Some factors that are considered include the following: a demonstrated ability to save resulting in.a minimum of three months' mortgage payments in reserve after closing; a minimum of 10% investment in the property; a considerable amount of effective income from non-taxable sources; and a small increase in housing expense, not more than 10% of what was paid before. Note that neither this ratio nor the total -obligations -to -income ratio (below) are considered when a borrower invests 25% or more cash (not including gift funds) in the purchase. VA: Not used. No ratio specified. 7. Total Obligations FHA: Total obligations include mortgage payment expenses and other recurring charges, such as payments on loans and credit accounts. Childcare expenses are included if applicable. D-17 • VA: Total monthly debt payments include housing expense (specified above) and installment debts as well as job related expenses such as child care. 8. Total -Obligations -to -Income Ratio FHA: Total obligations not exceeding 41% of gross effective income are acceptable, unless the borrower has a poor credit history. A ratio exceeding 41% may be acceptable with significant compensating factors as stated above. VA: Similar to FHA. If the ratio is greater than 41% (unless due solely to tax-free income), reasons for approval must be justified (compensating factors) and signed by the underwriter's supervisor. However, if ratio is greater than 41% and the residual income (see below) exceeds the guidelines by at least 20%, the special justification is not required. Compensating factors (which must represent unusual strengths and not just satisfaction of • the basis requirements) include the following: excellent long-term credit, minimal consumer debt, long-term employment, significant liquid assets, little or no increase in shelter expense, satisfactory home ownership experience, high residual income, and low debt -to -income ratio. It is also noted that the compensating factors should be relevant to the area of weakness. 9. Relationship of Mortgage Payment to Prior Housing Expense FHA: This is an additional aspect of analyzing the adequacy of income to meet obligations to pay living expenses and includes consideration of past payment record. There is no stated ratio. VA: If the future shelter expense (see definition above) greatly exceeds what is currently paid, the case may require close analysis, especially if the loan is marginal in other areas. 10. Residual Income FHA: The handbook states that residual income is not considered because it is affected by tax liabilities, social security deductions and utility and maintenance expenses. D-18 • VA: An important aspect of the underwriting process is analysis of residual income. Residual income is the amount of money available for family support after shelter expenses, debts, and other obligations are subtracted from net pay. The published guidelines include a table of residual income by family size and region. For example, the residual income standard for a family of four in the West is $1,074 for loans above $70,000. The circular points out that no one factor determines qualification for a VA guaranteed loan, and even if the residual income is insufficient, there may be compensating factors. C. Mortgage Insurance, Title Insurance FHA: FHA mortgage insurance is required. VA: No insurance is required because VA stands behind the loans. D. Appraisal Criteria • 1. General FHA: The FHA appraisal handbook provides very detailed instructions and definitions in contrast to the much more readable Fannie Mae appraisal guide. The FHA handbook is written like.an appraisal and inspection textbook, with discussions on topics ranging from appraisal principles to lead -based paint hazards. Properties insured by FHA must in general meet FHA's Minimum Property Standards (MPS). The handbook specifies.how the appraiser should carry out inspection of the subject property, including inspection of the basement, attic, crawl space, heating system, etc. Item -by -item instructions for completion of the form are also given. VA: There is no separate appraisal handbook for VA. VA uses fee appraiser who complete the Uniform Residential Appraisal Report (URAR) from following Fannie Mae guidelines, although VA has fewer requirements than private lenders. Three comparable appraisals within the last six months are required. • Because VA loans do not have special appraisal requirements, only FHA is discussed below. D-19 2. Appraisal Form Used FHA: Uniform Residential Appraisal Report (URAR). Note: Same as form used by VA, Fannie Mae, and Freddie Mac. In addition, the appraiser must prepare a Valuation Completion Sheet (VC) when there is a deficiency. The VC specifies deficiencies with adverse effects on health and safety of the occupants or marketability of the property. (Such deficiencies must be corrected before loan closing.) VA: Uniform Residential Appraisal Report. 3. Comnatibility of Residential Use with Local Zoning FHA: If a nonconforming use is not legal, the property is not eligible for mortgage insurance. • 4. Selection of Market Area The market area is used to select comparable sales and assess whether irregular housing or neighborhood conditions are typical of comparable market area. FHA: Three comparable sales are required. Although market area is not defined precisely, a handbook suggests that comparables be located within one mile of the subject property. If not, explanation is required to be provided in the Comments section. The handbook specifically addresses selection of comparables in inner-city areas as follows: When using sales data in appraising inner-city properties, the appraiser must exercise extreme care to insure that the property selected for comparison is as nearly like the subject property as possible. The appraiser should examine the comparable information carefully to determine the terms of sale and the condition of the comparable, visually verify the description of the property, and note any advantages or disadvantages found in the neighborhood. The appraiser should carefully adjust the sale to reflect conditions found. D-20 • 5. Neighborhood Characteristics Neighborhood characteristics include surrounding land uses, streets, condition of surrounding properties, and hazardous wastes. FHA: For neighborhoods that are checked as both "urban" and "declining", the appraiser is to consider recommending that the mortgage for the property be insured under Section 223(e), a special program for properties in areas of higher risk, rather than standard FHA insurance. The handbook specifically states that age of structures in an area is not a cause for rejection of a property; the condition and maintenance of the buildings and the amount of rehabilitation taking place are more important. In evaluating the character of neighborhood structures (age, quality, obsolescence, and appropriateness of properties in the neighborhood), the appraiser is instructed to consider the attitude of the user group as well as competing choices. The present and long term effect of inharmonious land uses on market value and economic life must be addressed. In cases of serious detriment to •either the health or safety of occupants or to the economic security of the property, the i application for mortgage insurance will be denied. Heavy traffic noise sufficient to affect marketability in opinion of the appraiser is also cause for rejection. Community services in the neighborhood (such as schools; neighborhood shopping areas; parks; transportation providing ready access to employment, shopping districts, adjacent neighborhoods; etc.) are also part of the required location analysis. Neighborhood changes that may cause decline in the desirability of a residential area should also be considered. These include physical deterioration of buildings and instruction of nonconforming uses. 6. House Characteristics House characteristics include age, layout, lot, and overall improvements. FHA: Actual and effective age are requested; significant differences between the two should be explained. Appraisers are instructed to use 40 years for the estimated • remaining economic life unless it is conclusively shown that is less than 40 years. For D-21 • property in a 223(e) area, estimated remaining physical life is used instead of economic properties and comparables. All property built prior to 1978 having cracking, peeling or chipping paint require lead based paint abatement (a deficiency that should be indicated on the VC sheet). The appraiser should require termite inspection if any evidence or potential for termites. If subject property does not comply with General Acceptability Criteria (HUD Handbook 4905.1), the appraiser should specify the correction required. Conditions requiring repairs include the following: termite damage; leaking or worn out roofs; masonry and foundation damage; damaged or inoperable plumbing, heating or electrical systems; and more. Sources: FHA, Handbook 4155.1 REV-3, Program Participants and Departmental Staff, Mortgage Credit Analysis for Mortgage Insurance on One -to -Four Family Properties, February 1990, U.S. Department of Housing and Urban Development. Handbook. 4150.1 REV-1, Program Participants and Departmental Staff, Valuation Analysis for Home Mortgage Insurance, • February 1990, U.S. Department of Housing and Urban Development, Single Family Development Division. VA, Extract of Circular 26-91-19, "Credit Standards", May 17, 1991. D-22 0 TECHNICAL APPENDIX E FFIEC (Federal Financial Institutions Examination Council) Home Mortgage Disclosure Act (HMDA) Aggregate Reports Aggregate Table 1: Disposition of Loan Applications, By Location of Property and Type of Loan, 1998, Orange County, CA FFiEC HMDA AGGREGATE REPORTS http://www.Mcc.gov/cgi-bin/pbisa6O.dll...Orange &as_table=l&as page=N1&aUarn1 0 i AGGREGATE TABLE-1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 1998 MSA:5945 -- ORANGE COUNTY, CA 20, Page:1-10 of 122 Number of Loans Loans On 1-TO-4 Family Dwellings Loans On Non- Median CENSUS TRACT OR COUNTY NAME lHome Purchase Loans Home Dwellings occupant % Income AND DISPOSTION OF Fes, Improve- for 5 or Loanson ncig ment More 1-TO APPLICATION FSA/RHS Conven- [Reflin- Min Pop asPCT of (STATE/COUNTY/TRACT & VA ttonal Loans Families Family NUMBER)-+ �Fr D F—F r—"` 3 j MSA Median I I D ` I I I CA/Orange /0011.01 21 F 105 LOAN ORIGINATED 16 77 195 12 r-- 12 � APPROVED, NOT ACCEPTED 2 20 27 5—F 5 — APP DENIED 4 l34 82 12-76 FF- - APP WITHDRAWN r 6 16 86 F 3 F���— INCOMPLETENESS FILE CLOSE FOR �F T /0011.02 31 96 CA/Orange LOAN ORIGINATED 10 F 40 F 109 r-9 r 1 r— 6 r—.r-- APPROVED, NOT ACCEPTED r--r— 1 r 3 r— 3 r--r--r—f— APP DENIED r— 1 14 F 49 r 3 r--�Z APPWITHDRAWNWITHDRAWN I ' 10 F 29 r i' r IF I —r- rFILE CLOSE FOR INCOMPLETENESS FI F T���� /0011.03 CA/Orange LOAN ORIGINATED 11 26 87 10 r— 3 r— 8 r—r—_ APPROVED, NOT ACCEPTED r— l r— 2 13 r— 1 r--r— 1 APP DENIED r 2 4 31 r— 4 r--r 2 --- r F APP WITHDRAWN r 2 r 12 25 F —1 Z r—r-- FILE CLOSE FOR INCOMPLETENESS �F F CA/Orange /0012.00 LOAN ORIGINATED 34 44 115 18 F 2[ 8 r—r-- APPROVED, NOT ACCEPTED r— 1 r— 5 12 r— 3 r--r 1 r—r— APP DENIED 14 32 F 43 F 12 r-- 12 r—r— APP WITHDRAWN F 2 12 25 r--F 5 �� FILE CLOSE FOR F������� INCOMPLETENESS I _ 23 F 91 CA/Orange /0013.01 LOAN ORIGINATED F 28 91 F 133 18 F 1 15.—r-- APPROVED, NOT ACCEPTED r-- 14 19 F r—_r— —r— 3•�r- APP DENIED 4 18 34 IS I of g 5/12/00 7:48 PM FFIEC HMDA AGGREGATE REPORTS http://www.fficc.gov/cgi-bin/pbisa6O.dll...Omnge &as_table=l&as_page=Nl&as_parnl is 0 M 2of8 APP WITHDRAWN CLOSE FOR INCOMPLETENESS I ' 2 I 16 4 F-44F-2 3 2F r—F 41FILE . F CA/Orange /0013.03 51 76 LOAN ORIGINATED 31 F 44 128 F 23 F 1 18 F APPROVED, NOT ACCEPTED 4 F 5 13 FF 1 F 2 F APP DENIED F[ 5 43 F T APP WITHDRAWN FILE CLOSE FOR INCOMPLE ENESS �F ����I 6 35 F—�—� Z ��— �� CA/Orange /0013.04 65 61 LOAN ORIGINATED 18 14 24 F 12 F 1 � 6 F—F— APPROVED,NOTACCEPTED �� 10�� 1���_ APP DENIED r 1 F--9 14 F—1 F—F—F—F— APP WITHDRAWN F[LECL TE ESS INCOMPLETENESS F 2 �� � F 5 , 'I 18 F—F— ������ 1 F— 2 F—r— CA/Orange /0014.01 30 92 LOAN ORIGINATED 11 F 32 124 r 9 APPROVED, NOTNOT ACCEPTED rr 9 l3 5—r 2 �F— APP DENIED 2 21 50 11—F--3F—F— _I APP WITHDRAWN INCOMPLETENE FILE CLOSE FOR S F-4 12 42 �F���� F 2 4 f F CA/Orange /0014.02 29 95 LOAN ORIGINATED 12 40 105 I ° �2 10 FF_ APPROVED, NOT ACCEPTED FF 6 18 F 1 ��— APP DENIED r 3 5 36 F 6( 1 2 F APP WITHDRAWN 2 [— 25 �[ 1 IF FILE CLOSE FOR INCOMPLETENESS F � , ' I - ������' CA/Orange /0014.03 17 104 LOAN ORIGINATED F4 51 112 10 1 F 6 F APPROVED, NOT ACCEPTED F--�' 14 F I F—F [-F— APP DENIED I 7 25 r 2 F ` [—F— APP WITHDRAWN F—F 2 16 ��—�-� 2 �rFILE - CLOSE FOR INCOMPLETENESS FF�� __ , . _ —F . 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LOAN ORIGINATED F 32 11 50 f F 3� F F APPROVED, NOT ACCEPTED F Z 12 3 FFIEC HMDA AGGREGATE REPORTS http://www.ffiec.gov/cgi-bin/pbisa6O.dll...Orange &as table=l&as_page=-N1&as_paml I APP DENIED 3 I 3 30 11 I 13 -F- APP WITHDRAWN F-4F l 20 F F—r—r FILE CLOSE FOR • INCOMPLETENESS CA/Orange 10015.01 16 113 LOAN ORIGINATED � 105 244 r 8 [_ 13 F—F— APPROVED, NOT ACCEPTED 1 13 36 I —I 1[-I— APP DENIED � 29 51 Fr —I 1 F-F— APP WITHDRAWN �� 35 r 2 [—� 1 �� I FILE CLOSE FOR INCOMPLETENESS �������� CA/Orange /0015.02 20 r 120 LOAN ORIGINATED I ° 143 311 12 1 15 F APPROVED, NOT ACCEPTED 13 38 r 3 F 3 F—r— APP DENIED F I F 29 F 61 FF—���— APP WITHDRAWN F--1 19 54 F 5 3 [FILE � CLOSE FOR INCOMPLETENESS �3[ 8 F 1 CA/Orange /0015.03 30 100 LOAN ORIGINATED 8 57 153 15 F 1 8 7r— • APPROVED, NOT ACCEPTED F--F --4 17—F—F 1 [-F— APP DENIED r 3 I 7 F 17 F 3F—F—[—F— APP WITHDRAWN F——I 6 18 F--j��F I F—F— FILE CLOSE FOR INCOMPLETENESS �r q 14 F ��� � CA/Orange 10015.04 35 67 LOAN ORIGINATED 12 60 113 �r 3 10 � f APPROVED, NOT ACCEPTED F 18 r—�� Z �� APP DENIED F--F--8 26 F— —1 F—F—F—F— APP WITHDRAWN FT 4 24 F IF 5 F F FILE CLOSE FOR INCOMPLETENESS I ' I . F ���[� CA/Orange 10015.05 r 18 105 LOAN ORIGINATED r 81 154 F 292 r 20 F IS F—F— APPROVED, NOT ACCEPTED F I 19 33 �—�—� Z ��- APP DENIED �— 14 39 F9 —F APP WITHDRAWN 7I 14 401 IF 1 4 FILE CLOSE FOR INCOMPLETENESS �2 IOI T I F /0016.01 CA/Orange LOAN ORIGINATED l O 109 261 15 1 G �� 3 of 8 5/12/00 7:48 PM FFIEC HMDA AGGREGATE REPORTS http:!/www.Mec.govlcgi-bin/pbisa6O.dil...Orange &as_table=l&av_page=Nl&as_parr-1 I0 APPROVED, NOT ACCEPTED I l I 181 191 11 I 1 APP DENIED I 15 F 37 F 7 F—�— APP WITHDRAWN-1 $ 38 F—F—F Z FILE CLOSE FOR F—F 2 11 —F—F— CA/Oranae /0016.02 1 I 151 161 LOAN ORIGINATED F 6 131 F 207 13 F 7 APPROVED, NOT ACCEPTED F— 17 23 I—F—F—F—r— APP DENIED � I 11 26 F 5 F—�—��— APP WITHDRAWN F-- 10 20 F 2 F 1 F FILE CLOSE FOR INCOMPLETENESS �3 7 —F—F-1� CA/Orange /0017.03 LOAN ORIGINATED 16 179 388 29 F 2 is [—F— APPROVED, NOT ACCEPTED F I F 14 46 F 9 F 7 F—F— APP DENIED 2 17 101 12 F 3 F ��_ APP WITHDRAWN F-21 28 54 IFILE CLOSE FOR INCOMPLETENESS �� 19I Z ���F CA/Orange /0017.04 LOAN ORIGINATED 4 67 130 71 71-1 APPROVED, NOT ACCEPTED 2 F 4 14 F—��-1�—�_ APP DENIED F 1 F 6 18 APP WITHDRAWN �F �—r 9 165 � ' ���� [NCOMPLETEN FILE CLOSE FOR SS � ��I F� —� CA/Orange /0017.05 LOAN ORIGINATED 14 61 134 18 1 — 10 [I — r APPROVED, NOT ACCEPTED �2 6 15 F 3 —� , 2 F APP DENIED —�$ 31 11 I j��1 4 241 3 �I r APP WITHDRAWN FILECLOSE ESS F1 _ F F, F I -I _ I l INCOMPLETENESS 13 170 CA/Orange /0017.06 LOAN ORIGINATED �— 70 157 16 1—�—� APPROVED, NOT ACCEPTED—� 6 10 APP DENIED ��3—j��-�F —�2 . 27 )�. �I APP WITHDRAWN _ — 6 136I. _ _._ ' � CLOSE FOR �FILE �I��� INCOMPLETEN SS 4TF 75 CA/Orange /0018.01 5/12/00 7:48 PM 4 of 8 FFIEC HMDA AGGREGATE REPORTS http://www.frec.gov/cgi•bin/pbisa6O.dll...Orange &as table—l&as_page=iv l&as_part=1 0 0 LOAN ORIGINATED I 151 121 641 101 21 10 APPROVED, NOT ACCEPTED 2 6 F f�—r 1�F— APP DENIED 1 10 14 F-2F—F 3 APP WITHDRAWN F 3 f 2 12 F 1 1-1— i FILE CLOSE FOR —F ����F ,INCOMPLETENESS CA/Orange 10018,02 LOAN ORIGINATED 291 26 797 6 F 2 F 8 APPROVED, NOT ACCEPTED F—[ 6 F 8 F IF I F 2 F F— APP DENIED 1 r Z 7287 51 1 I 3 F F-F— F—I APP WITHDRAWN 31 17 15 F 1 1 FILE CLOSE FOR �F INCOMPLETENESS �� CA/Orange /0019.01 LOAN ORIGINATED 18 27 80 6 F—1 F g F—F— APPROVED, NOT ACCEPTED F—F 1 F-7 F4 F—F—F—F— APP DENIED F--F— 3 12F 2 APP WITHDRAWN —�I F 17 F FILE CLOSE S �-�F��� INCOMPLETETENESESS CA/Orange /0019.02 LOAN ORIGINATED 10 21 F 75 F 4 F 3 F6 F APPROVED, NOT ACCEPTED—� 3 3—-��[-F- APP DENIED—� 4 20 F5 �I APP WITHDRAWN � I F I � 2 ���F �1FILE CLOSE FOR �1 INCOMPLE ENESS ��I ��� 30 93 CA/Orange /0019.03 LOAN ORIGINATED 16 18 F 71 F 31 55 F APPROVED,NOTACCEPTED —F 1 31 3 �I �I APP DENIED �5 $ 21 I _ —_ . _ ' I `�-- . F 4 , APP WITHDRAWN r 3 F 3'- 8 �F-I ` j�� I I FILE CLOSE FOR S5 S I F— INCOMPLETEN . 28 — 87 CA/Orange /0110.00 LOAN ORIGINATED F 26 66 185 11.� 339 F — APPROVED, NOT ACCEPTED 2.1 5- 211 I 4 7F— APP DENIED r 2 16 F 63 11 1 �8' 41 APP WITHDRAWN I ` l 37FILE CLOSE FOR9� �I I I ���� INCOMPLETENESS 5 of 8 5/12/00 7:48 PM FFIEC HMDA AGGREGATE REPORTS http://ww'w.Mec.gov/cgi•bin/pbisa60.dll...Orange &as_table=l&as_page=Nl&as—parr—I • U • ICA/Orange /0111.01 I 135I 87 LOAN ORIGINATED r 9 F 30 109 F 6 F2 F 5 F APPROVED, NOTACCEPTED, FF3 13r Ir—F—F—F— APP DENIED F 6 F 4 19 F 3 F F- APP WITHDRAWN �� 7 14 r 2 F—� 1 APP — —F — FILE CLOSE FOR F ��� COMPLETENESS I - O /011 LOT- 46 F 89 CA/Orange LOAN ORIGINATED 20 29 101 �9—r 9 F— F— APPROVED, NOT ACCEPTED —� 2 15 F-1 F 1 �� APP DENIED F T 3 F 33 F 6 F F —��� APP WITHDRAWN F 3 F 4 22 r 2FFILE F— CLOSE FOR F-T INCOMPLETENESS F 17F 7� CA/Orange /0112.00 LOAN ORIGINATED 15 69 114 it �I 15 �— � APPROVED, NOT ACCEPTED —F 4 16 4 F APP DENIED 4 IS 26 F-5F—r� Z �F— APP WITHDRAWN F 1� 21 f 31 I I F FILE CLOSE FOR F 1 INCOMPLETENESS ���I ��� CA/Orange /0113.00 LOAN ORIGINATED 3 36 90 F4 f 2 1�LFFF 9 � F F— APPROVED, NOT ACCEPTED r—� 2 F ��2 1�` APP DENIED [--I F 4 20 f ' F APP WITHDRAWN —�3 18 F—F—F—F—F— FILE CLOSE FOR � F F COMPLETENESS I I _ IN CA/Orange /0114.95 LOAN ORIGINATED 2 41 12 F— ` F APPROVED,NOTACCEPTED — —��F . APP DENIED F�—�I F—F— APP WITHDRAWN F—[— _F 37 F—F— FILE CLOSE FOR �F 1 F F INCOMPLETENESS i I 123 CA/Orange /0114.96 LOAN ORIGINATED 1 3 55 129 r�8 �_� 5 (F—F F—F APPROVED, NOT ACCEPTED 1 61�`F� —� 3 I 9 F �Ij •. FT APP DENIED 3[- _ APP WITHDRAWN �—r5 151 3 F17 6of8 5/12100 7:48 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mec.gov/cgi-bitVpbisa6O.dll...Orange &as_table=l&as_page=Nl&as_peml • U FILE CLOSE FOR 2 6 INCOMPLETENESS CA/Orange /0114.97 17 F 108 LOAN ORIGINATED 31 37 r—F_F 2 fF— APPROVED, NOT ACCEPTED F 1 F_F 1 F—F—F-F— APP DENIED F—� 3 8 1—��� APP WITHDRAWN F—F 1 F Z F--r—F—I—F— FILE CLOSE FOR �F�I INCOMPLETENESS I _ � — CA/Orange /0114.98 LOAN ORIGINATED F 157 49 F 97 F 9 F 3 17 F-F— APPROVED, NOT ACCEPTED t 3 r g FF 1 F I F APP DENIED F--51 9 25 F— 5 I I� �� �" APP WITHDRAWN r 3 � 8 20 r—�� (`1� FILE L E (-���F INCOMPLETENESS I I _ 29 F 79 CA/Orange /0115.01 LOAN ORIGINATED 12 r 71 F 124 F 9 F3 F 8 F APPROVED, NOT ACCEPTED r 1F 6 14 r 1F-1 IF- APP DENIED F-21 17 22 F---_7 1 F-4� APP WITHDRAWN 1 6 19 F 3 �I j��� I FILE CLOSE FOR �F T 1 INCOMPLETENESS I .I 1 CA/Orange /0115.02 LOAN ORIGINATED 11 40 75 6 —� O f-F— 1 APPROVED, NOT ACCEPTED —� 2 F 6 F 1 F �F- �1 APP DENIED 3 17 F 4 F ` �� APP WITHDRAWN F-1 7 F 9 F-2F—I ` F—I FILE CLOSE FOR 6 1 INCOMPLETENESS I I�� . - - 65 F 58 CA/Orange /0116.01 LOAN ORIGINATED 1 13 21 66 13 4 16 F—F-- APPROVED, NOT ACCEPTED F 1 F 5 F 4 APP DENIED 71 2 22 F 5 �I ' 15—�—�2 T [—F— APP WITHDRAWN 1 2 FILECLOSEFOR �1� � I _ I INCOMPLETENESS 72. 63 CA/Orange /0116.02 LOAN ORIGINATED 12 21 40�-5 �2 13� �•j�—, �— APPROVED, NOT ACCEPTED F—F3 r 6 ��— _ 31 ' —F- APP DENIED F 2 20I `1 `I ` F 7 of 5/12100 7:48 PM FFIEC HMDA AGGREGATE REPORTS http•J/www.Mec.gov/cgi•bin/pbisa6O.dll...Orange &as_table=l&as_page=NI&as_pan=I 0 C� 0 APP WITHDRAWN I 51 I 151 1 I I 21 FILE CLOSE FOR INCOMPLE ENESS -F r 3 �F 1 F—F I�� 8of8 5/12/00 7:48 PM FFIEC HMDA AGGREGATE REPORTS htrp://www.Mec.govicgi-bin/pbisa60.diI...range &as_table=l&as_page=Nll&as—parr—I AGGREGATE TABLE-1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 1998 0 MSA:5945 — ORANGE COUNTY, CA 2A 0 Page:11-20 of122 Number of Loans Loans On i-TO-4 Family Dwellings Loans On Non- Median CENSUS TRACT OR COUNTY NAME lHome Purchase Loans Home Dwellings occupant % Income AND DISPOSTION OF FFHA, Improve- for5or Loans on APPLICATION FSA/RHS Conven- More 1-TO-4[,Refin- ncing ment Min pop as PCT of (STATE/COUNTY/TRACT & VA tional Loans Families Family NUMBER)1+ F F 3 MSA Median F A F B r D F E F CA/Orange /0117.07 LOAN ORIGINATED 16 65 127 6 F 3 1 6[ APPROVED, NOT ACCEPTED F 1 11 F 9 F—F—r 1 F— F— APP DENIED F6 17 181 1 _F APP WITHDRAWN F-1 II 17- 1817— FILE CLOSE FOR �F�� I - I _ INCOMPLETENESS 27 91 CA/Orange /0117.08 LOAN ORIGINATED 7 F 41 90 [ 71 I 10 �r— _. APPROVED, NOT ACCEPTED F-1 Z 12 17-1 I 1 ` F—� APP DENIED F—F 5 16 F 4 APP WITHDRAWN 1 5 13 1 l 2F -FILE CLOSE FOR �F���� �� INCOMPLETENESS 16 142 CA/Orange /0117.09 LOAN ORIGINATED F4 108 210 � 8 —� 5 APPROVED, NOT ACCEPTED �— 10 121 1 F-- APP DENIED F—� 9 34 �—� 1 �� ��4 APP WITHDRAWN F 1591 `���� y6 FILE CLOSE FOR �I I �F F INCOMPLETENESS 14 F 139 CA/Orange /0117.10 LOAN ORIGINATED 1 4 70 184 417 8 F—F— APPROVED, NOT ACCEPTED —� 1 141 j��� APP DENIED �— 18 281 3 I I I FI APP WITHDRAWN F 2FOR1 1221229t 1 —I F- F- CLOSENSS �I I FFILE CLOSE FOR���� 36 64 CA/Orange /0117.11 LOAN ORIGINATED 17 29 55 F 1 20 �F ��4 APPROVED, NOT ACCEPTED 1 4 5 �� �'�� ��� APP DENIED 3 23 I 41j--- 1 F7F I of8 5/12100 7:49 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mec.gov/cgi-bWpbisa60.dll...range &as_table=l&as�age=Nl I&as,part=l 0 0 • 2 or8 APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS CA/Orange /0117.12 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED 3 F-7 14 F 17 �������'— 41 11 59 108 F 6 1 131 -F— F--F 5 F 9 F 3 F 1 F i f �— 10 30 F 3 F--,�� 7� F F 83 APP WITHDRAWN � 1 F3 29 F 1 �I �Z `�� FILE CLOSE FOR INCOMPLETENESS ����� CA/Orange /0117.14 LOAN ORIGINATED F l r 4 F— 6 F1 �—� ` 7r-- APPROVED,NOTACCEPTED I —F—F—F—F—� �� APP DENIED �� 2 � 4 � � �I�— �� APP WITHDRAWN �—� 4 F 2 F—�I �` ` 1—F— FILE CLOSE FOR INCOMPLETENESS INCOMPLETENESS I ������ CA/Orange /O! 17.15 LOAN ORIGINATED 261 267 397 16—� 9 F—F— APPROVED, NOT ACCEPTED 1 39 29 F 5 F If— APP DENIED 2 34 65 F—8 l F 1,� APP WITHDRAWN F 2 F 44 59 �5 F INCOMPLETENESS �F 5 Ill j��4 II (I�—� CA/Orange /0117.16 LOAN ORIGINATED F 9 134 1661 8 �— 37 f APPROVED, NOT ACCEPTED 1 15 13 F 4 F FF— APP DENIED 2 38 59 F 3 �— 30 �� APP WITHDRAWN 4 18 34 1—� 6 F—F—, FILE CLOSE FOR INCOMPLETENESS �� I1 F CA/Orange /0117.17 14 F 109' LOAN ORIGINATED F 3 42 121 1 8 �— 10 F— F— APPROVED, NOT ACCEPTED—� 1 .12 33 APP DENIED —�? 121 _ `I f F APP W 6ITHDRAWN 1FFfL—E FOR INCOMPLEOTENE S �201.�—�-F- CA/Orange /0117.18 23 113 LOAN ORIGINATED 61 64 161 I�� �12� APPROVED, NOT ACCEPTED 1 7 FFIEC HMDA AGGREGATE REPORTS http://wunv.Mec.gov/cgi•bin/Pbisa6O.dll...range &as_table=l&as_page=Nt I&as_part 1 • • APP DENIED I 1 14 29 2F— I r APP WITHDRAWN 7—F-6 22 F FILE CLOSE FOR INCOMPLETENESS F—` I , � , ���� /0117.19 60 F 76 CA/Orange LOAN ORIGINATED 19 39 116178 I— 1 15 F-I— APPROVED, NOT ACCEPTED I--� 4 18 F 3 �——�I-- APP DENIED I— 1 12 F 27I 2II--�I— APP WITHDRAWN I— 6I— 9 23 F--F—F--�� INCOMPLETEN SS �2 6 F T CA/Orange /0117.20 80 53 LOAN ORIGINATED 13 IS 21F-1I— LI— 9I—I-- APPROVED, NOT ACCEPTED F2 F 4I— 2 Fr—F—I—r— APP DENIED I— 1 I— 5 r 9 F--, I--� 2 I—F— APP WITHDRAWN I— 3F S I— 3 I t r—FILE CLOSE FOR INCOMPLETEN SS F���� ��� CA/Orange /0218.02 1 F 19 F 119 LOAN ORIGINATED 10 123 302 16 1 l6 I—F— APPROVED, NOT ACCEPTED I-- 20 32 F—1 F—F 3 �r— APP DENIED 1 14 57 I— 7I--[ 5 I —I-- APP WITHDRAWN 1 11 36 �I--[— 2 F F— FILE CLOSE FOR INCOMPLETENESS 13 ����� I _ /0218.07 21 108 CA/Orange LOAN ORIGINATED 2 56 F 154 F 51 —F 5 F-F— APPROVED, NOT ACCEPTED �— 12 16 F1 F 1 I —I-- APP DENIED I-- 12 38 4—I— 1 I —I-- APP WITHDRAWN F--F--5 27 F 1 I—_1 —17— FILE CLOSE FOR INCOMPLETENESS ��[ 7— CA/Orange 10218.09 LOAN ORIGINATED F 3 F 60 133 F 6 F Fr— APPROVED, NOT ACCEPTED (--F 3 14I--I—_ APP DENIED �— � �Z'�r F—5 32I- 1 I1 ` F� APP WITHDRAWN �—� 11 F-1 F-F— F—F— FILE CLOSE FOR INCOMPLETENESS I I -I _I _ F — CA/Orange /0218.10 LOAN ORIGINATED 6 81 203 16 F— 10 I—�— 3 of 8 5/12100 7:50 PM FFIEC HMDA AGGREGATE REPORTS http://www.ffiec.gov/cgi-bin/pbisa6O.dit...range &as_table=l&as_page=Nl I&as_tart=I 40 • APPROVED, NOT ACCEPTED I I 61 241 Si I 1 APP DENIED 1 r 5 21 F 5F—F 1 [-F— APP WITHDRAWN l 6 26 —r—��� F FF-1 8F -FILE CLOSE FOR � INCOMPLETENESS CA/Orange /0218.11 LOAN ORIGINATED 99 F 213 351 F 12 F 4 19 F-(— APPROVED, NOT ACCEPTED 6 34 32 r 9 F—F 3 F—F— APP DENIED �8 39 54 10 F �F— 22 —F2 APP WITHDRAWN F-- 9 F 25 47 � F jF INFILE CLOSE FOR COMPLETENESS �F 18I �F-1 F-1— /0218.12 CA/Orange LOAN ORIGINATED 31 99 260 13 1 11 F-F— APPROVED, NOT ACCEPTED F 1 1 24 r 4�—� 1 �� APP DENIED � 31 14 50 r 9 F—F—F—F— APP WITHDRAWN �— I1 46 7 1 F—F— 3 F—F— FILE CLOSE FOR INCOMPLETENESS �r��� CA/Orange /0218.13 LOAN ORIGINATED F 2 1 1 1 1 r 1 I F—F— APPROVED, NOT ACCEPTED �—F—��--� F—F-F-[-F- APP DENIED F I 1 1 F 4 FF-1F—I APP WITHDRAWN F— —�F— F—F—F-1 2I INCOMPLETEN FILE CLOSE FOR SS I �F F CA/Orange /0218.14 LOAN ORIGINATED 1 128F-2971 10 �1 11 Fr — APPROVED, NOT ACCEPTED —F 4 25F 31��'� APP DENIED 9 55 5 1—F 2 F-F- APP WITHDRAWN 2 14 45 F 1 F—F—F—F- i FILE CLOSE FOR S ��I [ INCOMPLETENE 13' 116 CA/Orange /0218.15 LOAN ORIGINATED �— 52. 146 . F- 141—I 1 — F- APPROVED, NOT ACCEPTED 1 .6• - --� 22 33 F 41 5 APP DENIED �— $ �_�-� 4 7 APP WITHDRAWN �23 FILE CLOSE FOR I 8� SS F—F INCOMPLETEN 11 129 CA/Orange /0218.16-1 4 ofg 5112100 7:50 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mec.gov/cgi•bin/pbisa6O.dll...range &as_rable=l&as_pagc=Nl I&as—part=l LOAN ORIGINATED I 191 1041 325 I 131 I I 15 APPROVED, NOT ACCEPTED F—F 24FF—�F—�_ APP DENIED 14 56 6F—F 1 F—F— APP WITHDRAWN F 2 13 42 Fj�r—r�� FILE CLOSE FOR F 10 �I I-Z 1 I� INCOMPLETENESS CA/Orange /0218.17 20 114 LOAN ORIGINATED 23 75 195 F8 16 APPROVED, NOT ACCEPTED F—F 5 19 —���r— APP DENIED —� 5 36 F 8 F I APP WITHDRAWN [ 3 7 F 16 F 2 [�— FILE CL E �������� INCOMPLETTENESSESS I I ` I ' CA/Orange /0218.18 24 150 LOAN ORIGINATED 41 640 1587 78 7 1 53 F APPROVED, NOT ACCEPTED F 1 52 1581 9 F—F--q [—F— APP DENIED 10 73 247 23 F--1— 9 F— F— APP WITHDRAWN F— 74 191 jF--8 7-I b F-F- FILE CLOSE FOR INCOMPLE ENESS F� 63I F—F 5 F— CA/Orange /0218.19 LOAN ORIGINATED 9 286 679 35 r— 14 F APPROVED, NOT ACCEPTED F-- 26 77 F 3 F F 1 [F— APP DENIED r l 37 104 F 5 F 3 ��— APP WITHDRAWN F 2 25 88 F 2 F—F-2 [—F— INCOMPLETENESS CLOSE FOR 17 F���� INCOMPLETENESS CA/Orange /0219.03 LOAN ORIGINATED 7 60 F 176 F 8 F 1 F 17 F APPROVED, NOT ACCEPTED I �8 19 3 APP DENIED r 1 1 15 35��— APP WITHDRAWN F 21 5 33 ��— —F F -F FILE CLOSE FOR � � _ 12 I 1 T INCOMPLETENESS I CA/Orange /0219.04 r 22' 178 LOAN ORIGINATED 16 260 578 181 18 F�— APPROVED, NOT ACCEPTED �— 42 551 3 f 61 APP DENIED F— 48 116 13 APP WITHDRAWN r 2 32 92 F 55 3 F—F— FILE CLOSE FOR F g 30 INCOMPLETENESS � _ 5/12/00 7:50 PM 5 of FFIEC HMDA AGGREGATE REPORTS http://www.tRec.gov/cgi-birdpbisa6O.dll...range &as table=l&as_page=Nl i&asyart=l • 7-� ICA/Orange /0219.05 I 125) 131 LOAN ORIGINATED 9 151 302 F 5 F— 19 [ APPROVED, NOT ACCEPTED �r— 27 32 F 1 F 2 �F— APP DENIED I 20 76 5 —F F—F— 1 APP WITHDRAWN 3 19 56 F 3 F �� FILE CLOSE FOR [ INCOMPLETENESS �T 2 20 F CA/Orange /0219.09 LOAN ORIGINATED 43 257 499 20 5 20 F APPROVED, NOT ACCEPTED �— 42 88 F--7F 1 F 71 APP DENIED 4 49 108 11 I F F -6 APP WITHDRAWN F 3 F 44 93 r 5 ` F � j��—I FILE CLOSE FOR , F 21 [I 4�� INCOMPLETENESS 22. 148 CA/Orange /0219.10 LOAN ORIGINATED 15 282 F 534 34 F 25 F�— APPROVED, NOT ACCEPTED I 14 39 F 41 F 5 1-17— APP DENIED 1 3 36 F 103 F — 10 - APP WITHDRAWN �— 32 67 3I F—F 7 �FFILE �� CLOSE FOR SS �4 201 ��� INCOMPLETEN — 25 F 160 r CA/Orange /0219.11 LOAN ORIGINATED F 74 518 859 32 2 28 F �— APPROVED, NOT ACCEPTED 10 79 851 71 2 16 f—F— APP DENIED F 5 81 221 11 — 13 F APP WITHDRAWN F 9 68 161 ��1 1 7 FF— —FILE-CLOSE FOR 7[12 31 I 1 ���� INCOMPLETENESS CA/Orange /0219.12 LOAN ORIGINATED 1 116 220 t2—� 7 �� APPROVED, NOT ACCEPTED — 14 28 �� 41 F 2 38l 3 1I 3 [ APP DENIED WITHDRAWN �—F 9 �— 17' 221 5441FILE APP CLOSE FOR 7 F FF-11-1 INCOMPLETENESS CA/Orange /0219.13 LOAN ORIGINATED 1 9 112 224 11 �— 12 F I -•- APPROVED, NOT ACCEPTED APP DENIED F 1 13. 20 � 3� 1 1 F 1 28 48 I ' l APP WITHDRAWN I 19 371 41 F 4 F 6of8 5/12/00 7:50 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mcc.gov/cgi•bin/pbisa6O.dll...range &as_table=l&u_page=Nl I&as—paml • • 0 FILE CLOSE FOR I INCOMPLETENESS 5 12 I 1 CA/Orange /0219.14 LOAN ORIGINATED 65 168 2 r—� 9 ��— APPROVED, NOT ACCEPTED APPROVED, F--7 7 13 F 2 F—F—[-r— APP DENIED �— 13 50 F 8 F-- Z �r— APP WITHDRAWN APP 21 5 F 21 F—r—F[-[— FILE CLOSE FOR INCOMPLETENESS ������ CA/Orange /0219.98 LOAN ORIGINATED 22 308 F 294 1 281 13 F F— APPROVED, NOT ACCEPTED F--60 31 F 6 F 6 F— APP DENIED 2 74 60 r 8—� $ ��— APP WITHDRAWN F 3 75 F 44 2 —F 8 FILE CLOSE FOR INCOMPLETENESS I �F8 141 ' I - I _ F- 1217i26 CA/Orange /0320.02 LOAN ORIGINATED 61 159 432 20 2 17'r—r— APPROVED,NOT ACCEPTED F 18 38F2F—F-8�� APP DENIED I 1 17 59 51 APP WITHDRAWN F 1 25 59 3.1 9 1—F— FILE CLOSE FOR INCOMPLETENESS �� 10:=�F CA/Orange /0320.03 LOAN ORIGINATED r 3 F 152 378 F 241— 13 f r— APPROVED, NOT ACCEPTED—� $ 281 4 �F-F— APP DENIED F— 20 451 4-.�—F 3 �F— APP WITHDRAWN �— 13 54 4 —F �� F -FILE CLOSE FOR SS 4 1 17- INCOMPLETEN 21 III CA/Orange /0320.06 LOAN ORIGINATED F 157 f 186 526 24 3 ?8 �F_ APPROVED, NOT ACCEPTED 1 13 65 8 �_ 10 F APP DENIED 17 36 99 12 — 16.1 APP WITHDRAWN 17 f 28 85 4-F 9 FF LE CLOSE FOR 2INCOMPLETENESS 21 25 F F IT CA/Orange /0320.11 LOAN ORIGINATED 1 48 F 82 I�-- I _ 2 l [ -?-??- r APPROVED, NOT ACCEPTED - 1 5 12 ' �F—F—F— APP DENIED �— 15 F 241 6 =1 2 7of8 5/12/00 7:50 PM FFIEC HMDA AGGREGATE REPORTS http://www.ffcc.gov/cgi-bin/pbisa6O.dil...range &as_table=l&as_page=Nl l&as_parr-1 • 0 • APP WITHDRAWN I 21 51 171 I I 1 I FILE CLOSE FOR INCOMPLETEN SS �������� 8 of 8 5/12/00 7:50 PM FFIEC HMDA AGGREGATE REPORTS hrtp://www.frec.gov/cgi•bin/pbisa6O.dll...range &as table=l&as_page=N21&as_part=1 • AGGREGATE TABLE-1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN,1998 MSA:5945 -- ORANGE COUNTY, CA =Q Page:21-30 of 122 Number of Loans Loans On 1-TO-4 Family Dwellings Loans On Non - Median CENSUS TRACT OR COUNTY NAME Dwellings occupant % Income Home Purchase Loans AND DISPOSTION OF Retin• ancingent FHomcc rov for5orLoanson or More1-TO.4 Min Pop as PCTAPPLICATION of g� FSA/RHS Conven- (STATE/COUNTY/TRACT NUMBER)1+ &VA tfonal oans Family 1 MSA Median [--FF�r F CA/Orange /0320.12 I " I D I ` I I F 11 146 LOAN ORIGINATED 67 310 372 20 F 1 F-F— APPROVED, NOT ACCEPTED [ 4 44 40 r 2 [—F I F—F— APP DENIED F 9 35 58 10 �_ 10 ��— APP WITHDRAWN f9 65 r 47 r 5 F 1 F 4 F FILE CLOSE FOR -F-F F 15 13 INCOMPLETENESS CA/Orange /0320.13 r9 156 LOAN ORIGINATED F 71 96 264 I1 217 13 F APPROVED, NOT ACCEPTED F— IO 24 r 3 F F - APP DENIED F-- 17 53 10 �� 4 F-F_ APP WITHDRAWN t �24 r—F-F-�� FILE CLOSE FOR �I �F IN COMPLETENESS I I _ I _7 26 80 CA/Orange /0320.14 LOAN ORIGINATED 14 63 163 F 5 I 1 F F APPROVED, NOT ACCEPTED �8 �—r 5 18 F2 F F� APP DENIED F— 2 16 31 F-7F--�61 APP WITHDRAWN � 1 � 4 24 F—�I ` F—� FILE CLOSE FOR �F—F F I F INCOMPLETENESS I . CA/Orange /0320.15 LOAN ORIGINATED F 13 145 F 424 12 F 2 30 F—�_ APPROVED, NOT ACCEPTED �— 17 39 F 6 F 3 F APP DENIED �— 12 62 r 5 F 5 7 17— APP WITHDRAWN F— 20 62 3 1 2 r-- FILE CLOSE FOR INCOMPLETENESS �' F 14I 1 �� 1 18• 119 CA/Orange 10320.16 LOAN ORIGINATED 22 200 575 2iF - 33�I — APPROVED, NOT ACCEPTED F1 10 63 F 2 —F6 F APP DENIED t 30 F 108 10 [— I 6F—F— I of 8 5/12/00 7:53 PM FFIEC HMDA AGGREGATE REPORTS http://www.f0ec.gov/cgi-bin/pbisa6O.dll...range &as_table=l&as_page=N21&as_part=I • • APP WITHDRA5 27 75 F 3 F WN F FILE CLOSE FOR —r-27— INCOMPLETENESS F4 19) 1 F CA/Orange /0320.17 LOAN ORIGINATED r 8 192 515 19 r— 36 APPROVED, NOT ACCEPTED f— 26 52 f-6 F—F-6 APP DENIED �� �71 82 r F APP WITHDRAWN � 20 72 r I F 4 INCOMPLE ENESS F� 18I 1 F CA/Orange /0320.18 LOAN ORIGINATED 29 480 1039 41 F 31 APPROVED, NOT ACCEPTED F— 1 44 88 F-4F— f 4 APP DENIED F 2 62 156 17 F—F 6 APP WITHDRAWN r 2 48 130 INCOMPLETEN SS FFILE CLOSE FOR — 26I F2���(� 1 �I 3 I CA/Orange /0320.19 LOAN ORIGINATED 13 F 269 550 23 40 APPROVED, NOT ACCEPTED F 1 29 f 36 F 9 APP DENIED 1 F 29 F 69 10 F 11 APP WITHDRAWN F—I 40 63 F I4 F—f 4 f FILE CLOSE FOR INCOMPLETENESS F I _ 13 I 2 �1 ' � , f CA/Orange /0320.20 Ir! LOAN ORIGINATED F--1 160 454 13 FI 26 I APPROVED, NOT ACCEPTED �— 14 41 2 F—F 7 f APP DENIED F-1 F 7 66 77T—F-7-71 APP WITHDRAWN F— 16 F 62 F IF FILE CLOSE FOR IINCOMPLE ENESS F� 15 [ 1 f CA/Orange /0320.21 LOAN ORIGINATED 27 506 1529 42 F 3 F 35 APPROVED, NOT ACCEPTED 3 48 123 11 F F 5 APP DENIED F 2 44 221 18 �r 5 APP WITHDRAWN I ' 40' 179 ��[ —�FFILE INCOMPLEOTEN SE FOR SS �7 38I 3 �� �3 (r Y CA/Orange /0320.22 LOAN ORIGINATED APPROVED, NOT ACCEPTED 55 90 258 6 1 24 r 3 12 20 r 4 F� r 17 F 134 17 F 148 91 101 15 F 116 201 148 191 92 2 of g 5/12/00 7:53 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mcc.gov/cgi•bhVpbisa6O.dil...range &as_table=l&as.pagc=N2l&as.—Parr—I 0 Cl APP DENIED - --F— 4 r_ 9 I 51 F—I--F 6 I I APP WITHDRAWN F� 42 �—F 1 F[-[- IF INCOMPLETENESS FILE CLOSE FOR �������� CA/Orange /0320.23 15 120 LOAN ORIGINATED 175 161 r 4 F—F—F—r— APPROVED, NOT ACCEPTED 11 17 �—����— APP DENIED � 1 l ' ' F-F— APP WITHDRAWN FILE CLOSE FOR INCOMPLE ENE S rF —������� 5 20 26 —F—F—F—F- F— CA/Orange /0320.24 F 16 162 LOAN ORIGINATED 63F-F 962 2006 121 36 [—F— APPROVED, NOT ACCEPTED F 2 f 153 190 29 rF 9 F—r— APP DENIED � 155 366 46 F 13 �� APP WITHDRAWN CLOSE FOR INCOMPLETENESS F-8 F F 154 F 225 21 74 I 13 5 F F °FILE 1 �� CA/Orange /0320.25 20• 114 LOAN ORIGINATED APPROVED, NOT ACCEPTED F 282 loll 11 110 1883 178 F 106 25 16 F 102 10 I F r I — APP DENIED APP WITHDRAWN INCOMPLETENESS CA/Orange /0320.26 LOAN ORIGINATED APPROVED, NOT ACCEPTED IF APP DENIED APP WITHDRAWN INCOMPLETENE S CA/Orange /0322.98 LOAN ORIGINATED APPROVED, NOT ACCEPTED I APP DENIED APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS CA/Orange /0421.03 LOAN ORIGINATED 28 165' 387 52 F 25 F-171 124 276 1313 F— 1818 26 5o 3F j11 6�I 2391 814 F 1191 r 60 10 85 I 101 122 142 16 2F 12 18 138 283 26 F--2 I 18 141 169 r 99 r—F 13 28 I 3 F 14 F 408 429 F 5 F _ 14 26 14 �F7 T F-1 2FF-F 3 61 61 6 �F 1-F—��_ 18 15 F F 6 212 415 11 1_ 63 [—F F-7— F 15, I F F—F— �F— FF- F [-F_ 12 —r- — 126 — 105 3 of 8 5/12/00 7:53 PM FFIEC HMDA AGGREGATE REPORTS hnp://ww.ffiec.gov/cgi•bin/pbisa6O.dll...range &as_table=l&as_page=N21&as_parr—I 0 0 APPROVED, NOT ACCEPTED I I 321 471 41 I 6 APP DENIED [-- 50 77 F--7F— 10 r-r- APP WITHDRAWN CLOSE FOR INCOMPLETENESS F 1 -F F—FILE 22 53 F 3 —�10 11 �FI 1 �� �� CA/Orange /042I.05 F 11 128 LOAN ORIGINATED 3 296 763 23 37 F� APPROVED, NOT ACCEPTED f 43 69 F 6 r APP DENIED � 73 135 F5r F 7 F—F— APP WITHDRAWN CLOSE FOR INCOMPLETENESS I ' 36 93 FFILE 19 r--rr�5 ��I t r—r— F-1— CA/Orange /0421.06 F 6 117 LOAN ORIGINATED 39 96 ter- 11 r—r-- APPROVED, NOT ACCEPTED r � 6 F I —r —r—r-- APP DENIED F---F 32 r 6 rr—r— APP WITHDRAWN FILE CLOSE CLOSE FOR INCOMPLETENESS r--r— 1 F 18 ��l—'I—�-1 r--rr 7— CA/Orange /0421.07 43. ' 62 LOAN ORIGINATED F4 58 F 81 r 317 1 19 r—r— APPROVED, NOT ACCEPTED �r— 5 �r--f 5 r—r— APP DENIED 15 18 F 2r-7 3 r—F— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS r 4 -F-1 F r 7 r 13 , r F F��I�� T 1 l r—F— CA/Orange /0421.08 23 67 LOAN ORIGINATED r 6 F 98 F 117 r 6 F 4 84 r—r— APPROVED, NOT ACCEPTED F 1 13 11 �r— 10 r�r— APP DENIED I 29 26 r— 5 r— 12 r—r— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F— �� 11 , f 27 �F r r 2 F I I.r—r— CA/Orange /0421.09 F 14 104 LOAN ORIGINATED 12 170 _ 322711 r- 26 r—r— APPROVED, NOT ACCEPTED F— 31 F 31 r 3 r—r 2 r—r— APP DENIED I 31 28 89 ( 6 rr 7 r—r— APP WITHDRAWN � 16 49 r l Fr— 1 FILE CLOSE FOR INCOMPLETENESS F , � IT �� �� CA/Orange /0421.10 13 109 4 of g 5/12100 7:53 PM FFIEC HMDA AGGREGATE REPORTS http://www.ffec.gov/cgi•biNpbisa60.dll...range &as_table—l&as_pag�N21&as_part=1 LOAN ORIGINATED I 121 2501 5551 231 31 37 APPROVED, NOT ACCEPTED 27 56r 3�7F-�— APP DENIED 135 112 10f-7 6F—F— APP WITHDRAWN r 3 26 INCOMPLETENESS �FILE CLOSE FOR � 65 16I F22 F 1 �I 31 F—F— CA/Orange /0422.01 15 103 —F ILOAN ORIGINATED 5 119 275 11 48 F APPROVED, NOT ACCEPTED f IS 37 10 F 11 �F APP DENIED r I 20 47 to F APP WITHDRAWN FILE CLOSE FOR INCOMPLETEN SS I 15 r 35 l0l F I 1 r-ter-r- F 2 �� CA/Orange /0422.03 f 11 129 LOAN ORIGINATED r 5 F 259 474 F 24 F 18 F—F— APPROVED, NOT ACCEPTED FI 44 55 F 5 2 r—r— APP DENIED 32 F 96 F 10 r—r 5 r—r— APP WITHDRAWN f FILE CLOSE FOR F INCOMPLETENESS 27 10 63 r 2 14 F�I F 1 F� �� • CA/Orange /0422.04 13 F 119 LOAN ORIGINATED 13 233 612 25 44 �— APPROVED, NOT ACCEPTED 1 24 63 5 F I F 3F� APP DENIED F--1 41 123 F 5r— 10 F—F— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS I F2 �� - 25 99 16 r 3 F r— 1212 1 F� CA/Orange /0423.05 r 6 178 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED' F— �— 112 32. 21 263 40 71 12 2—� r 4 — FF 33 2 9 F-r- —F— F—F— APP WITHDRAWN INCOMPLETENESS FILE CLOSE FOR CA/Orange /0423.06 r-- 18 29 f IF ( �'r— 3 F 11 �I 1 r—r-- �� 11 136 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS I 26 f- 2 F 2 F 5 �F • I 391 61 56 61 _ 893 97 165 114 fir 31 I 25 r— 1 F 5 r—r -77F8 12 F 55 r—rFS 1 F 53 8 jf 3 r-r-- r—r— r—f �—�— 3 of 8 5/12/00 7:53 PM FFIEC HMDA AGGREGATE REPORTS httpJ/www.ffiec.gov/cgi-bin/pbisa6O.dll...range &as table-1&as_page=N21&as_part=1 ICA/Orange /0423.07 I 123I 120 LOAN ORIGINATED F7 F 138 399 F 16 F 20 F—F— APPROVED, NOT ACCEPTED FI 14 F 58 FF�—��— APP DENIED 18 81 F 9 F APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F-1 13 -� 53 18 F 2 I 1 [—��j�-r— �Ij1 CA/Orange /0423.08 18 F 177 LOAN ORIGINATED F 21 243 615 23 24 F APPROVED, NOTACCEPTED APP DENIED F 28 27 70�r—���— 101 r 8 F—_F-6F—F— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F-25 F F 88 14Ij— F 4—F-2F—F— CA/Orange /0423.10 F 25 IF 87 LOAN ORIGINATED 42 143 308 15 r I F 46 F F— APPROVED, NOT ACCEPTED r 1 F 15 27 �F—F 4 F F- APP DENIED r 8 37 57 F-- 6 F—F—s —F 717— APP WITHDRAWN FILE CLOSE ESS INCOMPLETENESS 5 ���F 24' I 32 I , 1 T I - _ 5 � _ FFF CA/Orange /0423.11 12 F 131 LOAN ORIGINATED F-9 182 552 18 F— 40 r� APPROVED, NOT ACCEPTED F 17 51 r 6—r 3 ��— APP DENIED F 5 26 7 122 F 12 r 11 7 APP WITHDRAWN 22 72 F—F—F FILE CLOSE FOR INCOMPLETENESS �� 25 �� 1 �— CA/Orange /0423.12 52 77 LOAN ORIGINATED 86 95 187 27 1— 33 F-r— APPROVED, NOT ACCEPTED F 3 20 271 5 F b F APP DENIED 15 23 53 14 F . 6 �F APP WITHDRAWN l ' 16 42 r— 5 1 __. FILE CLOSE FOR��.�� INCOMPLETENESSESS I `I `I .I - - CA/Orange /0423.13 36. 73 LOAN ORIGINATED F 6 155 225 F 9 -. 2•� b4 �� APPROVED, NOT ACCEPTED � _ 22. Y 36 3 r—� $ �F— APP DENIED 25 58 5 1 _r -F — rAPP WITHDRAWN F-1 F-251 42-1 _ _ 8 �— 6of8 FFIEC HMDA AGGREGATE REPORTS http://www.ftiec:gov/cgi•bin/pbisa6O.dll...range &as_table=I&as_page=N21&as_part=I 40 I of 8 FILE CLOSE FOR INCOMPLETENESS 5 91 2,1 1 I 1 CA/Orange /0423.15 18 F 137 LOAN ORIGINATED APPROVED, NOT ACCEPTED I APP DENIED APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS CA/Orange /0423.16 LOAN ORIGINATED 48 F 1907 433 20 F 1 24 11 44 ��—F 9 F f 3 27 98 FF— [ L I 22 60 F 1 jF 5 _ F 12 �I �� 12 445 1045 30 F— • 50 Fr— f-F— �� — 18 F 112 [ I — APPROVED, NOT ACCEPTED F 1 59 107 151 F F APP DENIED F-1 76 237 10 F I 20 F—F— APP WITHDRAWN �F-91 50 149 F�6 F—F�4 F—F— FILE CLOSE FOR INCOMPLETENESS F I _ 41 I 1 �I 41 CA/Orange /0423.17 13 198 LOAN ORIGINATED 8 102 305 9 F— 22 [—F— APPROVED, NOT ACCEPTED r—F $ 27 F 1 F1 3 [—F— APP DENIED F— 3 10 62 F-8 F—F— 5 F—F— APP WITHDRAWN F-- 13 35 F—i F—F— 3 F—F— FILE CLOSE FOR INCOMPLETENESS I I ��I `I , F F CA/Orange /0423.18 LOAN ORIGINATED F-651 602 F 1337 50 F 3 66 f APPROVED, NOT ACCEPTED 2 72 139 10 3 17 —F F—F_ APP DENIED 101 79 F 219 24 F 9 F—r— APP WITHDRAWN 5 70 155 4 F—j��5 ��— FILE CLOSE FOR INCOMPLETENESS F 3 _ 35 ��I ` CA/Orange /0423.19 LOAN ORIGINATED 1 101 271 8—� 51 —F APPROVED, NOT ACCEPTED r— 19 35 f 1 2 Fr— APP DENIED �— 11 48 5—� —F 1 ��— APP WITHDRAWN �— 12 41 F 2 2 F FILE CLOSE FOR INCOMPLETENESS —� I _ Ig ���� CA/Orange /0423.20 15 102 LOAN ORIGINATED 82 156 F 271 F 12 5 41 F APPROVED, NOT ACCEPTED F— 21 27 1 3—� 6 7F APP DENIED 6 30 67 8 F 14 F.r— FFIEC HMDA AGGREGATE REPORTS httpJ/www.Mec.gov/cgi-bhVpbisa6O.dil...range &astable=l&as_page=N2l&as_parr-1 C� • C� APP WITHDRAWN I 21 211 601 221 1 71 INCOMPLEOT NESS FILE CLSE FOR �� 16I 1 I I 2 �I S of g 5/12/00 7:53 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mcc.gov/cgi-bWpbisa6O.dil...range &as table--t&as_ age=N31&as�rur—I 0 • AGGREGATE TABLE-1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN,1998 MSA:5945 — ORANGE COUNTY, CA 20 Page:31-40 of 122 Number of Loans CENSUS TRACT OR COUNTY NAME AND DISPOSTION OF APPLICATION (STATE/COUNTY/TRACT Loans On 1-TO.4 Family Dwellings Loans On Dwellings for 5 or More Families Non - occupant Loans on 1-TO-4 Family Y % Min j Median Income as PCT of MSA lHome Purchase Loans Refin- ancing Home Improve- ment Loans FHA, FSA/RHS & VA Conven- tional NUMBER)L Median —" F� I D I ` " F„— FI— I ` " CA/Orange /0423.21 16 152 LOAN ORIGINATED l8 345 F 802 20 FI 43 F APPROVED, NOT ACCEPTED F— 31 81 F—F— [-5F—F APP DENIED 53 121 F 8 f—r 8 F—F— APP WITHDRAWN I ` 36 64�f—F-21FILE � CLOSE FOR INCOMPLET NESS F it 29I 3 �I 3 �� CA/Orange /0423.22 1 11 135 LOAN ORIGINATED F5 292 582 F 19 F— 72 —F— APPROVED, NOT ACCEPTED �— 43 61 �F 12 APP DENIED � 36 106 r 9 � 10 FF— APP WITHDRAWN F-- 32 81 I ` F �� CLOSE FOR INCOMPLE ENE S �FILE � 29 ��I 4 r CA/Orange /0423.23 10 125 LOAN ORIGINATED 22 F 186 F 402 Fr 3 F 75 APPROVED, NOT ACCEPTED F— 1 15 40 F—I F-2F7— 7 F— F— APP DENIED F 5 28 71 F� 22 F F_ APP WITHDRAWN 17 7F-6 F—�-4 FILE CLOSE FOR INCOMPLETENESS I CA/Orange /0524.04 jF F 14 F 1 " I _ 38 56 LOAN ORIGINATED 35 180 190 F-6F-- 2 F-6 F—,F— APPROVED, NOT ACCEPTED F-21 51 24 FF—F— 1 [F_ APP DENIED I 25 53 F— 8 F—F--3F—f-- APP WITHDRAWN �F-61 19 30 F-1 F— 1 FILE CLOSE FOR INCOMPLETENESS I CA/Orange /0524.05 (F�—'�� ' F I 117 �I �� 26 F 124 LOAN ORIGINATED APPROVED, NOT ACCEPED APP DENIED I 16 271 391 21•F-- 32 r 2 36. 49 3 r—F 4 33 58 F—4 F---F--7F—r— F—F_ FF 1 of 8 5/12/00 7:54 PM FFIEC HMDA AGGREGATE REPORTS http:'/wi"v.fFec.gov/cgi•bin/pbisa60.dll...range &as_table=I&as.page=N3I&aspart=1 APP WITHDRAWN I Y 49 58 7�—�FILE 5 CLFOR ��— INCOMPLEOTENESS SE F� 17I 2�I 1 E� CA/Orange /0524.08 17 146 LOAN ORIGINATED 15 187 501 12 F— 25 F� APPROVED, NOT ACCEPTED — 20 57 �F APP DENIED F 1 28 77 ��� 4 �r— APP WITHDRAWN � 13 72 �r���r— FILE CLOSE FOR INCOMPLETENESS F 3 20E—F—I CA/Orange /0524.10 24 101 LOAN ORIGINATED F--q 152 241 18 F I4 [� APPROVED, NOT ACCEPTED — 16 24 f 4 F—���— APP DENIED I 14 52 F 8 ���� APP WITHDRAN W � 38 36 F���F INCOMPLETENESS �� 14 ����� CA/Orange /0524.11 28' 109 LOAN ORIGINATED F 3 92 221 11 � 1 I 1 ��— APPROVED, NOT ACCEPTED I— 10 27 2F��� APP DENIED F-- 13 59 �F� APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS � �������� 16 38 �F—�1 F� CA/Orange /0524.12 26 160 LOAN ORIGINATED 39 753 703 40 F 3 38.F�—. APPROVED, NOT ACCEPTED F-2 166 75 F 7 ( 1 �F�— APP DENIED APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS CA/Orange /0524.13 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS CA/Orange /0524.14 LOAN ORIGINATED APPROVED,NOT ACCEPTED �6 138 105 ��r b F 5 143 102 j���� 8 � 15 20 i 19 459 1144, 24 F 5 69 f 5 33 131 F 8 f F 8 12 �64 223 10 � 15 F— 8 48" 142 ��F 1 �11 �� 43I I�I 3�F. 91 500 1361 42 I 21 19 � 46 134 11 F—r 6 �F— �� 21 F�— ��— F�— 15 F�— �E— 124 133 2 of 8 5/12/00 7:54 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mec.gov/cgi•bin/pbisa6O.dll...range &astable=l&as_rage=N31&as_part=I APP DENIED F 16 F 64 F 176 10 I ` I 51 — APP WITHDRAWN 68 181 10 r—F 3 • INCOMPLET NESS -- 38 --- [-[ CA/Orange /0524.15 14 F 156 LOAN ORIGINATED 116 298 10 F APPROVED, NOT ACCEPTED 12 36 I ` F `F— APP DENIED F—r— 31 F 51 F F—2F-F— APP WITHDRAWN I 17 50 F 2 F 5 �� FILE L E INCOMPLETENESS �- , �� I r�� CA/Orange /0524.16 18 122 LOAN ORIGINATED 18 88 241 I ' F F—rF— APPROVED, NOT ACCEPTED �� 23 I 4 F �' 1 APP DENIED 1 11 64 F 8 —F 21 APP WITHDRAWN 12 31 I —FF I F F INCOMPLET NESS ������ CA/Orange /0525.01 39 56 LOAN ORIGINATED I ° 98 F 102 F7 ;F T 61 APPROVED, NOT ACCEPTED �— 25 11 — F —F 1 F�— APP DENIED F 3 25 65 F 2 F �F— APP WITHDRAWN 28 25-—�—��— INFILE CLOSE FOR COMPLETEN SS r—F—F-1 F-1— CA/Orange /0525.02 20 122 LOAN ORIGINATED 11 119 F 270 16 I 16 F-1 — APPROVED, NOT ACCEPTED �21 6 32 r—�—� 3 � — APP DENIED 1 14 63 S —F 2 F APP WITHDRAWN �F 12 43 F 2 F 4 F FILE CLOSE FOR INCOMPLETENESS � I— I ) ' "I FFF��� .I _ CA/Orange 10525.05 27' LOAN ORIGINATED 15 97 188 - 10 r 2 20 F - _95 APPROVED, NOT ACCEPTED �— 11 26 F -2 F— 10 �r- APP DENIED F 1 15 F 39 F6 -F— F 7 F APP WITHDRAWN 2 12 30 F7 T 1 F�— FILE INCOMPLE ENE E FOR S F /0525.06 16. 122 CA/Orange LOAN ORIGINATED 1 60' 171 �;�—� 3 7— 3 of 8 5/12100 7:54 PM FFIEC HMDA AGGREGATE REPORTS httpJ/w w.Mcc.govicgi•bin/pbisa6O.dil... range &az table=l&as_page=N31&as_parrl APPROVED, NOT ACCEPTED I I 21 181 11 I 1 APP DENIED — 5 25I 6 • APP WITHDRAWN F-7r 5 F 24r—r—r 2fFILE CLOSE FOR INCOMPLETENESS ���r • �� CA/Orange /0525.11 20 127 LOAN ORIGINATED � 187 351 I1 � 32 ��_ APPROVED, NOT ACCEPTED F-- 37 33 �F 1 r 3 Fr— APP DENIED F-- 29 55 r 5 F—r 5 F—F— APP WITHDRAWN I FILE INCOMPLEOTENEOSS F 1 ����1��� 28 36F—F---5 � [—F— CA/Orange /0525.12 23 130 LOAN ORIGINATED 26 215 443 l5 I 39 �I — APPROVED,NOTACCEPTED � 17 40r��� � APP DENIED I 36 65 F 4 F 1 �F� APP WITHDRAWN r 3 31 55 CLOSE FOR INCOMPLETENESS �� 15I f-2 1 ���rFILE ���� — CA/Orange /0525.13 22 123 LOAN ORIGINATED 14 135 309 F— 9'r 33 f�— APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS CA/Orange /0525.14 LOAN ORIGINATED APPROVED, NOT ACCEPTED I APP DENIED APP WITHDRAWN FILECLOSEFOR INCOMPLETENESS CA/Orange /0525.15 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN CLOSE FOR INCOMPLETENESS CA/Orange /0525.16 � 17 24 � 3 ��f� r I 26 43 �—f 2 � 22 40 �r—F 5 ������ F 9 112 258 �F— 14 12 20 --7[—[ 3 �— 13 37 F1 ����_ F— 14 30 �—F—r 3 1r— - r����� 15 134 176 f 8 � 27 12 r— 22 23 F-2 F-1 F-2F--F— F-1 —2 48 32I . __-��-��_ FFILE ��6 F—F—F-17— ��— f� 26 F� F� 39 �F— 33 128 47 130 4 oP 8 5/12/00 7:54 PM FFIEC HMDA AGGREGATE REPORTS hnp•J/w m.Mec.gov/cgi•bin/pbisa6O.dil...range &as_mble=t&as_page=N31&as_parr-1 it • 0 LOAN ORIGINATED I 141 2801 4741 211 1 I 47 APPROVED, NOT ACCEPTED F 35 69 ��—r 4 �� APP DENIED F-- 46 F 78 F 15 F 17 F�— APP WITHDRAWN F— 33 75 ��r—FILE CLOSE FOR INCOMPLETENESS -F--5F F 13 I 1 F �3 1 �� CA/Orange /0525.17 16 94 LOAN ORIGINATED r 40 F 67 r 116 r 4 F 23 1r— APPROVED,NOTACCEPTED FFF 4F lr lF—F— APP DENIED FF 9 27 F 4 F APP WITHDRAWN I 3I 21 r—F—r 3 1 FILE CLOSE FOR INCOMPLETENESS FF1 F 1 Frr CA/Orange /0525.18 I I — LOAN ORIGINATED F 7 17 F 14 F APPROVED, NOT ACCEPTED F 14 27 F 2 fr APP DENIED 10 17 5 �r—�lF— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS � 20 F 5 F F������� T I 17— CA/Orange /0525.95 30' 137 LOAN ORIGINATED F 21 F 593 F 864 F 35 F 1 61 F APPROVED, NOT ACCEPTED F2 93 83 II�-7F-F— APP DENIED 1 77 137 14 �7 6 �I— APP WITHDRAWN FILE CLOSE FOR IINCOMPLE ENESS CA/Orange /0525.96 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED -- 102 91 �I I ` 17 16 ' 26[ IF ( 2'F 2 F 131 246 10 r 14 F— 17 20 �F 4 16 32 r 2 F I �I— 32 F—�— F r 123 — APP WITHDRZVN FILE CLOSE FOR INCOMPLETENESS CA/Orange /0525.97 LOAN ORIGINATED APPROVED, NOT ACCEPTED I APP DENIED APP WITHDRAWN I— FILE CLOSE CLOSE FOR INCOMPLETENESS F 2 F8 31 F 3 �I I 'I I _ � - - --- --- ---- - 3 194 345. 16 l 16 20 39 2 —� 2 F— 22 50 17 7-71 _F-717 30• 45 "I . � F I ' 7 —I F 34- 717— F �� � 124 3 of 8 5/12100 7:55 PM FFIEC HMDA AGGREGATE REPORTS http:/lw.ffiec.gov/cgi•bin/pbisa6O.dll...range &as_table=l&es_page=N31&as_part-I • • • ICA/Orange /0525.98 I 122I 130 LOAN ORIGINATED F 4 82 215 F 6 F1 12 F APPROVED, NOT ACCEPTED r IF 5 23 r 3 r—r 5 F� APP DENIED F 1 14 29 F 1 r 1 4[ APP WITHDRAWN F— FILE CLOSE FOR -F INCOMPLETENESS 7 10 23 F—F—F 1 F 9 F F—[ [—F CA/Orange /0626.04 10 169 LOAN ORIGINATED 136 256 �� 32 �� APPROVED, NOT ACCEPTEDF—F 34 32 F 2 F 10 F APP DENIED 28 38 F 4 [ 5 F-F— APP WITHDRAWN F2 INFILE CLOSE FOR COMPLETENESS F 22 3 27 13 F �r F���� ��� CA/Orange /0626.05 13 103 LOAN ORIGINATED 62 104 �r 6 25 F APPROVED, NOT ACCEPTED F 14 F 1 2 F. APP DENIED 10 24 r 4 F-- F-- 4 [—F— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F I1 F 21 5 Fr 4 F 2 1 F F—F— CA/Orange /0626.07 F 16 F 113 LOAN ORIGINATED F 271 1464 2713 118 14 138 F APPROVED, NOT ACCEPTED 22 228 278 41 Fi 35 f APP DENIED 30 F 297 613 62 F1 40 F�— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS I F 33 , F4 222 28 428 F 113 I F 13 4 I I IF 1 I 2222 5 ��— r CA/Orange /0626.10 _ f—F— LOAN ORIGINATED F 8F 59 427 8 r—F 4 F APPROVED, NOT ACCEPTED Fi 15 Fr I �-7-77� APP DENIED F— 21 22.F-2r—F-3 1� APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS —F-1 I F 20 , ' I F� Y 1����� 1 r-�F7 CA/Orange /0626.11 LOAN ORIGINATED 1 59 70 4 11 22 93. APPROVED, NOT ACCEPTEDF APP DENIED F I F.8 r 12 FF r 21 APP WITHDRAWN F 3 5 F �� 6 of 8 5/12/00 7:55 PM FFIEC HMDA AGGREGATE REPORTS http://"w.Mcc.gov/cgi•bin/pbisa6O.dil...range &as_table=l&as_page=N31&as_parr1 • • • FILE CLOSE FOR I I l l L INCOMPLETENESS CA/Orange /0626.12 17 F 125 LOAN ORIGINATED 171 405 13 35 F�— 4 APPROVED, NOT ACCEPTED F I 19 56 r 3 F � �— APP DENIED F-1 21 76 F T— 10 [—F— APP WITHDRAWN F l 19 58 F-3j��—F--3 F—F— FILE CLOSE FOR �F q 11 F I 1 — INCOMPLETENESS CA/Orange /0626.14 66 LOAN ORIGINATED 42 213 191 F 2 F—F b F—r— APPROVED, NOT ACCEPTED r 21 42 F 17 F —r 3 F—r— APP DENIED F 6 35 42 r 2 r—F—r-r— APP WITHDRAWN F 3 25 F 28 F 2 r—��� FILE CLOSE FOR F F INCOMPLETENESS � "I 'I CA/Orange /0626.17 6F 202 LOAN ORIGINATED �— 289 452 12 I 27 �r— APPROVED, NOT ACCEPTED �— 42 58 F 3 �r 4 1-F— APP DENIED � 51 73 [ 1 F 4 � APP WITHDRAWN � 37 53 F 2 '4 �— r FILE CLOSE FOR �� 12 I 1 I I �� INCOMPLETENESS I _ CA/Orange /0626.18 LOAN ORIGINATED F-1 249 594 . 24 1— 23 F—F— APPROVED, NOT ACCEPTED Fr— 38 69 3 F—�F— �1 �F— APP DENIED I 29 F 92 f 71 I ` APP WITHDRAWN F— 33 70 F�-1 �—� 3 �� INFILE CLOSE FOR 11 ��COMPLETEN SS F 2 CA/Orange /0626.19 LOAN ORIGINATED I — 150 F 288 F 151 F 41 F APPROVED, NOT ACCEPTED �— 21 40 F4 F—F 4 [-F- APP DENIED � 1 21 46 F 3 �—�4��— APP WITHDRAWN F—l4. 35 22 —� 4 F� FILE CLOSE FOR 11 I �I[—[— INCOMPLETENESS I _ CA/Orange /0626.20 I 9 163 LOAN ORIGINATED �— 169 391 F 18 �— _ 29 I APPROVED, NOT ACCEPTED �— 30 37 F 2� 1 3 �F—', APP DENIED F 26 74 F 9 F �r- 5/12/00 7:55 PM 7of8 5/12/00 7:55 PM 7of8 FFIEC HMDA AGGREGATE REPORTS http://w.fficc.gov/cgi-binipbisa6O.dil...rattge &as_table=I&as_page=N31&as_part-1 • APP WITHDRAWN I I 151 481 1 1 I 3 FILE CLOSE FOR INCOMPLETENESS �3 17 F F FF 8 of 8 5112100 7:55 PM FFIEC HMDA AGGREGATE REPORTS hnps'/www.Mec.gov/cgi-bin/pbisa60.dll...mnge &as table=l&as_page=N4l&as_pan=1 AGGREGATE TABLE-1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 1998 0 MSA:5945 -- ORANGE COUNTY, CA 20- • J Page:41-50 of 122 Number of Loans CENSUS TRACT OR COUNTY Loans On 1-TO-4 Family Dwellings Loans On Non- Median lHome Purchase Loans Home NAME Dwellings occupant % Income AND DISPOSTION OF APPLICATION Refin- ancing Improve- ment for 5 or More Loans on 1-TO-4 Min Pop as PCT 0 of F FHA, FSA/RHS Conven- (STATE/COUNTY/TRACT & VA tional Loans Families Family 1 NUMBER ��F I " ' D I ` c F I " ' G F ' Median CA/Orange /0626.21 191 112 LOAN ORIGINATED 71 IOI 255 12 F3 F 19 F APPROVED, NOT ACCEPTED F5 12 36 F 4 �—F-6F—[ APP DENIED F 8 F 21 60 [r—FF-F— APP WITHDRAWN r 9 13 55 � 3 3 �r— CLOSE FOR INCOMPLETENESS �FILE F 13 F (�--r-1 I �� CA/Orange /0626.22 2F 79 LOAN ORIGINATED 113 47 �F— 23 F� APPROVED, NOT ACCEPTED F— 13 F-6r 2 �� IF F APP DENIED r 1 13 18 F—F—F 5 f—r— APP WITHDRAWN F— 1 F--9 F-3F--1 F—F--r—F-- INFILE CLOSE FOR COMPLET NESS �F�F—[—F—1 [7 — CA/Orange /0626.23 I Y 97 LOAN ORIGINATED 143 141 F IF — 34 F�— APPROVED, NOT ACCEPTED �— l2 14'r t—F 4 F—F— APP DENIED F---1 10 23 F 1 F—F 5 APP WITHDRAWN I IO 17 F—I --��� -- F�—' FILE CLOSE FOR INCOMPLETENESS —F T 2 F I CA/Orange /0626.24 _ ��� i ° _ 70 LOAN ORIGINATED 155 106 6 �— 10 F�— APPROVED, NOT ACCEPTED F—F 9 F7— b [ 3 F—�—�� APP DENIED F— 38 26 1 F— - F—F—F— APP WITHDRAWN 15 F 23 1—,F—F—r— FILE CLOSE FOR �T _7 _7 F COMPLETENESS /0626.25 -- 15. 95 CA/Orange LOAN ORIGINATED 36 91 125'1 61 3 11 f�— APPROVED, NOT ACCEPTED �I 19 F 1 F 1 F_ F��— APP DENIED 5 15 26 F 4 F—� I of 8 5/12/00 7:57 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mec.gov/cgi-bin/pbisa6O.dll...range &as_tabie=l&as_page=N41&as_part=( • • • APP WITHDRAWN l r 9 21 F 2 1 FFILE ��— CLOSE FOR INCOMPLETENESS �������� CA/Orange /0626.26 34 79 LOAN ORIGINATED 1 Y 18 25 rF—F[—r— APPROVED, NOTACCEPTED r I r I Il �—���� APP DENIED F--F-8 12 F—F--F-7 Fr— APP WITHDRAWN F I 8F 5(F—F I�� 1 FILE CLOSE FOR INCOMPLETENESS F������� CA/Orange /0626.27 30 95 LOAN ORIGINATED F-6F— 44 61 —F 1 17 F-F— APPROVED, NOT ACCEPTED F I I 12—�—� 2 �� APP DENIED I--r 9 26 F—1 F—r 9 APP WITHDRAWN F—F 2 12 ����� F FILE CLOSE FOR INCOMPLETEN SS -F-1 F F 3 F���� CA/Orange /0626.28 12 441 LOAN ORIGINATED 37 123 F—F—F 2 F—F— APPROVED, NOT ACCEPTED—r 6 10 ��—�—�� APP DENIED F--F--3 16 ( 1 r APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS r 1 F 3 F 6r—F—F ����— I�� CA/Orange /0626.29 20 557 LOAN ORIGINATED APPROVED, NOT ACCEPTED F— 77 13 157 20 F--7f— r 1 F—F s I[� F APP DENIED F--F— 3F— 9 F—F—F--F—F— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS_ CA/Orange /0626.30 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS CA/Orange /0626.31 LOAN ORIGINATED APPROVED, NOT ACCEPTED �F 8 14 F _ F 1 �—��7— I ' �— 80 115 ��— 12 r—F--7 12 �- F —� 8 17 F 2 F 1 r 1 r 7 F I1 F 1 , ����� F. F1 112 245 3 —F 9 [ F— 13 27 I l = 1 �F— ISF �I �� �� 16 180 — F 239 �— 2 of 8 5/12/00 7:57 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mcc.gov/cgi-birgpbisa6O.dll...range &as_table=l&as_page=N41&as_parFl 11 • • APP DENIED I— F__s 26 F— 3 F--f APP WITHDRAWN � 21 37 F 1 ���� F_F_ FILE CLOSE FOR _F 3 INCOMPLETENESS F F 9 F CA/Orange /0627.01 F4 223 LOAN ORIGINATED I 97 I70 r 7 24 F �_ APPROVED, NOT ACCEPTED �— 20 32 ��r 2 �� APP DENIED 31 35 I r—F-8 F_ F_ APP WITHDRAWN � 18 25 ��F 1 f r 1 FILE CLOSE FOR INCOMPLETENESS �������7 CA/Orange /0627.02 I 5 r 152 LOAN ORIGINATED 1 167 302 I1 F— 71 �� APPROVED, NOT —ACCEPTED ( 3 37 48Ff_F7F_ APP DENIED I 31 48 I 5 F APP WITHDRAWN CLOSE FOR 1 INCOMPLETENESS [I �F9 28 47 18 I F 1 F ���r 4 6 fFILE F — CA/Orange /0627.99 - F LOAN ORIGINATED—���Fr—�� APPROVED, NOT ACCEPTED F_F_F_rF_'F—[� APP DENIED APP WITHDRAWNFILE CLOSE FOR INCOMPLE ENESS CA/Orange /0628.00 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED 123 I F-- 93 201 r 3F— 1 63 � 15 37 F_ — 10 46 ��— 13 7' F—F— 7F_ �� 119 APP WITHDRAWN CLOSE FOR 1 INCOMPL TENESS [ — �� 29 36 ������ r—FFILE �•�— CA/Orange /0629.00 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS CA/Orange /0630.04 LOAN ORIGINATED F__ 90 190 F_4 F_ J 16 19 14—�� Z � 1 14 22 F—�—F__8 F— 12 20 �F F. �7 F 7 I ` I F 4 F 184 222 F 14 FI 29 r 5 F_F_ �F_ F_F_ �� 6 F 223 F 119 3 of 8 5/12/00 7:57 PM FFIEC HMDA AGGREGATE REPORTS APPROVED, NOT ACCEPTED APP DENIED • APP WITHDRAWN FILE CLOSE FOR • http://www.Mcc.gov/cgi•bin/pbisa60.dll...range &as_table=l&as_page=N41&as_paml 371 36 43 51 17 37 s 10 31 1 5I 8 r-1 3 CA/Orange /0630.05 8 239 LOAN ORIGINATED I l7 47 ��r 2 F APPROVED, NOT ACCEPTED F 2 Fr—��—�� APP DENIED �� 5 11 ��� 4 APP WITHDRAWN F—I 9 I 4 F— ' FF— FILE CLOSE FOR INCOMPLETENESS ����� I 5 141 CA/Orange /0630.06 LOAN ORIGINATED F l 67 127 F 2 42 �F— APPROVED, NOT ACCEPTED —� 4 15 r—�F 4 F APP DENIED �—� 9 17 ��—r 4 �� APP WITHDRAWN � 11 ��rr 3 ��— CLOSE FOR INCOMPLETENE S �FILE F F F 1 r_ 8, 224 CA/Orange /0630.07 I LOAN ORIGINATED �— 198 317 11 23 F APPROVED, NOT ACCEPTED I 29 43 F3 T — APP DENIED �— 27 58 F�—� 5 F—F— APP WITHDRAWN F 1 23 44 F 1 1� FILE CLOSE FOR INCOMPLETENESS j��3 �� 14I 1 �I 2 �� CA/Orange /0630.08 11 199 LOAN ORIGINATED F I 52' 46 F 3 $'F F APPROVED, NOT ACCEPTED r I F 8[ 5 —r—�I F APP DENIED �—F 7 15 F 1 —7 4 APP WITHDRAWN 5 F 2 F I —� 1 �F _—� FILE CLOSE E ESS INCOMPLETENESS_ F ^' ' I `I F _ CA/Orange /0630.09 l0; . 132 LOAN ORIGINATED F— 70 125 F7 7 F— APPROVED, NOT ACCEPTED �— 12' 14 F I F. �— APP DENIED —F 9 19 APP WITHDRAWN j —F 9. 18 F_ FILE CLOSE FOR I--��'���� INCOMPLETENESS I I . � 143 CA/Orange /0630.I0 I 4 ofB 5/12/00 7:57 PM FFIEC HMDA AGGREGATE REPORTS http://www.Ifiec.gov/cgi•bin/pbisa6O.dil...range &as_table=l&as_page=N41&as_parr-I LOAN ORIGINATED I 1 I 1481 2911 13 1 I 14 APPROVED, NOT ACCEPTED 27 45 I� 3 F—I ` F-F— • APP DENIED FI 19 61 I ' F ' �� APP WITHDRAWN [— 23 26 F IF—F I FFILE � CLOSE FOR ��F����7 INCOMPLETENESS CA/Orange 10631.01 16• 78 LOAN ORIGINATED F l 28 61 F 3 j F 4 F APPROVED, NOT ACCEPTED 10 9 r—r—f I F� APP DENIED F--F--9 21 F--1 F—F—F—F— APP WITHDRAWN r—f 4 18 F 1 F 3[ F FILE CLOSE FOR INCOMPLETENESS �� I ' I L ��—�� CA/Orange /0631.02 13 102 LOAN ORIGINATED r5 136,F 243 F 3 F 57 25 F APPROVED, NOT ACCEPTED FF 9 28 I I F I 4 F APP DENIED � 17 51 FF 3 11 �— APP WITHDRAWN F--[--, 1 41 F---F--,F 3FFILE 1INCOMPLEOSE FOR T NESS ������ 11 151 C • LOANgORIGINATED 57 98 5 2 8 ������F-F— APPROVED, NOTACCEPTED . 7 17 ��� 1 �� APP DENIED F—F 6, 20IFF l APP WITHDRAWN—F 4 10 F��—F—FILE CLOSE FOR l� INCOMPLETENESS ����I ��� CA/Orange /0632.01 l5 81 LOAN ORIGINATED 12 87 4 r 3 182 20 r— APPROVED, NOT ACCEPTED 3 14 17 F 1 1,_ 2 F APP DENIED 2 22 26F7. 2 F 21 f . _. _......... APP WITHDRAWN [— 14 18 I 3 F—F—1 17F— FILE CLOSE ESS INCOMPLETENESS F �•����F � '' I _ ( _ CA/Orange /0632.02 19; 98 LOAN ORIGINATED 1 63 131 1 t, _ 14 �r- APPROVED, NOT ACCEPTED—� 3 17 2—F-1 1— APP DENIED —�7 _ _ 22 F 5 F . ?• • APP WITHDRAWN F-! F 9 18 F F INCOMPLETENESS jr' �� 111 �,F - 3 of g 5/12/00 7:57 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mec.gov/cgi•bin/pbisa6O.dll...range &as_tabie=I&as.page=N41&as_pan=l CA/Orange /0633.00 I I 1 • 0l 86 LOAN ORIGINATED � 4 138 274 10 F— 45 F�— APPROVED, NOT ACCEPTED I 19 27 F 2 F--F 8 F—r— APP DENIED — F27 52 10 r 2 IO [F W APP WITHDRAN F 2 22 42 F 3 ���� 6 oF8 5/12/007:57 PM FFIEC [iMDA AGGREGATE REPORTS http://www.ftiec.gov/cgi•bin/pbisa60.dll...range &as_table=l&as_page=N41&as•pam1 IFILE CLOSE FOR I I I 10 I 1 1 31 INCOMPLETENE S • CA/Orange /0637.00 45 62 LOAN ORIGINATED 10 60 88 �� 22 �� APPROVED, NOT ACCEPTED 1 F 15 F 9 1 F � APP DENIED I Y 29 30 r 3[ i F F— APP WITHDRAWN ��4 16F—r—���� F— 13 INCOMPLETEN SS CA/Orange /0638.02 12 F 136 LOAN ORIGINATED 3 55 123 F 6 r 11 [F— APPROVED, NOT ACCEPTED I F 7 I1 F 1 F 2 F� APP DENIED F-- 12 23 F— 2F� 1 �� APP WITHDRAWN �r3 18 F 2 F 1 F� FILE CLOSE FOR �������— INCOMPLETENESS CA/Orange /0638.03 24• 95 LOAN ORIGINATED 24 82 189 r � 10 F-F- APPROVED, NOT ACCEPTED F 21 l ��� 1 �� APP DENIED r 3 r 9 35 F-6F—[— 3F—F— • APP WITHDRAWN F-F—F 6 24 — F—F-1-1- FILE CLOSE FOR INCOMPLETENESS I ` I ' F CA/Orange /0638.05 ll 119 LOAN ORIGINATED I ' 56 171 F 6 F 12 r APPROVED, NOT ACCEPTED �r 6-F— 13 �—�—� 1 �F— APP DENIED �� 27 r 4 FF 1 F-[— APP WITHDRAWN �� 7 15 F IF 1 F—[— FILE CLOSE INCOMPLETTENESSESS F F ' ,��F��� CA/Orange /0638.06 12 117 LOAN ORIGINATED F 2 52 164 r 6 F— APPROVED, NOT ACCEPTED F F 12 15 F F�� APP DENIED [--F— 3 26. —F 1 APP WITHDRAWN 7F �� 5 20 1 —F 1 �� F— FILE CLOSE FOR INCOMPLETENESS I ' �F CA/Orange /0638.07 22:F — 104 LOAN ORIGINATED 28 69 1—F 3 F'F— APPROVED, NOT ACCEPTED I—�F _, 9 [ 1 F—�—� APP DENIED F—F 5 F 7 F _F 7 oP $ 5/12100 7:57 PM FFIEC HMDA AGGREGATE REPORTS http://www.fflcc.gov/cgi-bin/pbisa6O.dll...range &as_table=l&as_page=N41&as_pan=1 • • 171 APP WITHDRAWN I 1 I 21 121 I 1 FILE CLOSE FOR INCOMPLETENESS 8 of 8 5/12100 7:57 PM FFIEC HMDA AGGREGATE REPORTS http://w.Mec.gov/cgi-biWpbisa6O.dil...mnge &as_table=l&as_page=N51&as_:att=I u \� • AGGREGATE TABLE-1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 1998 MSA:5945 -- ORANGE COUNTY, CA 20. Page:51-60 of 122 Number of Loans CENSUS TRACT OR COUNTY Loans On 1-TO-4 NAME lHome Purchase Loans AND DISPOSTION OF FHp� APPLICATION FSA/RHS Conven- (STATE/COUNTY/TRACT &VA tional NUMBER+ F A 13 I `"' I D Family Dwellings Loans On Dwellings for 5 or Families Non occupant Loans on 1-TO-4 Family % Min PAP Median ' Income as PCT of MSA Median [Rern- ncingentMore FHome prove- oans I ` l c �I '"' F r I j CA/Orange /0638.08 54 60 LOAN ORIGINATED 15 26 61 �F 2 14 �� APPROVED, NOT ACCEPTED I ` I— ° I 9 F �r—r—r— APP DENIED' I 3 I 15 F 3 F APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS �r 8 9 ���Fr— CA/Orange /0639.02 F 30 82 LOAN ORIGINATED r 5 38 123 r 51 APPROVED, NOT ACCEPTED 'F—[ 4 FF---7F F r— APP DENIED F-1 F--4 23 r 3 r—r— 2 r^r-- APP WITHDRAWN INFILE CLOSE FOR COMPLETENESS F--, F I1 F 25 3 r 2 F���� F I r—r— CA/Orange /0639.03 34 91 LOAN ORIGINATED r 1 F 67 f 152 r 7 r-- 20 (-(— APPROVED, NOT ACCEPTED 15 16 3 r— I rr — r— APP DENIED F— 20 32 r— 2 r— 1 r-8•r—r— APP WITHDRAWN I CLOSE FOR INCOMPLETENE S — �������� 12 F 25 r-2 r-- 3r—FILE r— CA/Orange /0639.04 43, 91 LOAN ORIGINATED� 67 128 r 5 r— 17 (—(— APPROVED, NOT ACCEPTED F I APP DENIED F-1 F 8 17 13 31 r— 1 r- 3 r--r F —r 3 9 r—r— r—r— APP WITHDRAWN FILECL TE ESS INCOMPLETENESS � r—r— F , '� 8 � , `I 16 F r-3 - — — r--r— F 4 r-r-- CA/Orange /0639.05 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED r 3 70 155 12 r-- 16 �� 16 r— 1 r—r— 2 r 1 23 31 r— 5 r--r-1 - 17; (—(— r—r— r—r— 91 I of 8 5/12/00 8:02 PM FFIEC HMDA AGGREGATE REPORTS http://www.ffiec.gov/cgi-birdpbisa6O.dll...range &as_table=1&as,page=NSI&as_pan=1 • �J • APP WITHDRAWN � 1 f 7 CLOSE FOR INCOMPLETEN SS �������� 20 F 3 FFILE I �� CA/Orange /0639.06 29 F 62 AT -F ILOAN ORIGINED 30 56 90 F 8 F 5 7 F APPROVED, NOT ACCEPTED FFr 7 F I F � APP DENIED 5 � 17 14 [ F 2 f APP WITHDRAWN IN f 3 FF F— 5 23 r 3 F—1 r 1 F F—F—F— — CA/Orange /0639.07 21 r 121 LOAN ORIGINATED 11 68 207 10 �— 14 �� APPROVED, NOT ACCEPTED �� 27 F 3 ���r— APP DENIED F3 20 32 F--3F—F 5 F—F— APP WITHDRAWN 3 FILE CLOSE FOR IINCOMPLETENE S ��� 13 34 FF 1 F �-7— CA/Orange /0639.08 25 102 LOAN ORIGINATED 13 58 145 I 5 [— 16 f F APPROVED, NOT ACCEPTED [ 1 10 17 FF—�F—F— APP DENIED �—r 9 39 �4 ���� APP WITHDRAWN CLOSE FOR 1 INCOMPLE ENESS 1 F� 17 10 1—j��—��— rFILE F �— CA/Orange /0740.03 92 60 LOAN ORIGINATED �� 7 29 3—r b �� APPROVED, NOT ACCEPTED I ' 13 F 9 F 1 �� APP DENIED F--1 11 21 F-5F—1 F 3F� APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F--3F— ��� 13 4 �—����� F—1 F--F 2 F� CA/Orange /0740.04 51 97 LOAN ORIGINATED 29 APPROVED, NOT ACCEPTED FF 59 5 180 17 16 F1 r 1 F—F 10 2 F� F APP DENIED I� 3 I 57 r 6 F1 3 �� APP WITHDRAWN I FILE CLOSE FOR INCOMPLETENESS I CA/Orange /0740.05 LOAN ORIGINATED APPROVED, NOT ACCEPTED 5 I— 36 F_F. 2 - T 16 ����� 19 48 118 10 F— 1. 12 F F 9 22 r 4 F 75. F—F-- 7F— 84 2 of 8 5/12/00 8:02 PM FFIEC HMDA AGGREGATE REPORTS hnp://www.ftiec.gov/cgi•bin/pbisa60.dll...range &as_mble=l&as_page-N5l&as_pan=4 0 • APP DENIED FF 6 36 F9 F 2 [—F—I APP WITHDRAWN 2 7 15 F I F FILE CLOSE FOR INCOMPLETENESS ��������I CA/Orange /0740.06 41 f 78 LOAN ORIGINATED 45 31 84 14 F 1 17 F APPROVED, NOT ACCEPTED �� 5 �F4 r—r 2 f� APP DENIED F--7 r 8 30 10 ( IF 517 APP WITHDRAWN INFILE CLOSE FOR COMPLETENESS r 3 3� r 5 F 18 F 10 F (F��� I 2 E� CA/Orange /0741.01 88 78 LOAN ORIGINATED 54 51 112 f 8 14 F—F— APPROVED, NOT ACCEPTED 9 25 �FF�� APP DENIED — F 2 — 26 55 14 F 5 APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F l � 36 ���—F i5 I I F 2 �� 17— CA/Orange /0741.02 83 82 LOAN ORIGINATED 42 34• 125 16 15 �� APPROVED, NOT ACCEPTED r 3 1 15 F I Fr 3 F APP DENIED F 7 2139 13 F 71 APP WITHDRAWN CLOSE FOR INCOMPLE ENESS CA/Orange /0741.03 F-6r 2 F 19 F _7j��r�r— FFILE 14 �I ��� 787 81 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN FILE CLOSE FOR INCOMPLEENESS CA/Orange /0741.04 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN I FILE CLOSE FOR INCOMPLETENESS CA/Orange /0741.06 LOAN ORIGINATED 29 11 73 4—� G —� 3 10 �F 2 3 16 4—F—FF— F IF 1 F 19 r IF �I-�F�� 29 83 267 20 r 1 17 F 2 F 9 33 � 5[ 1 F— 1 27 F 97 12 F—F 3'F—F— 16 57 (��� -�, 23 I 3 FI 2.-FT 41 37 78 11 F 12 ��— ,,� 61 F.. �� 35 7I F— 106 F F 78 — 3 of 8 5/12/00 8:02 PM PPIEC HMDA AGGREGATE REPORTS http✓/w.ffiec.gov/cgi-bin/pbisa6O.dll...range &az table=l&as_page=N51&u_paml 0 • APPROVED, NOT ACCEPTED I 41 81 51 I 21 1 APP DENIED F 3 23 24 F 3 F 3 F—F— APP WITHDRAWN l 4l 18 F 1 F FILE CLOSE FOR INCOMPLETENE S �������� CA/Orange /0741.07 F 22 91 LOAN ORIGINATED 16 77 45 1 —��[— APPROVED, NOT ACCEPTED F 7 5 F I F 2 F APP DENIED I--14 14 F—F 1 FF—F— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS r 8 F5 13 ����� Fr IF 6r � CA/Orange /0742.00 86 F 62 LOAN ORIGINATED 54 21 113 16 r—F-5 I— F— APPROVED, NOT ACCEPTED I ' 10 19 F-3 [—F-3F—I— APP DENIED 11 F 3 53 10 �F�� APP WITHDRAWN IN 10I [ ' 31 17I f 11 2 F—F--1 r�� F—F— CA/Orange /0743.00 F 95 F 68 LOAN ORIGINATED 36 F-7 38 F 9 r—F —5F—F— APPROVED,NOTACCEPTED F—I F 4 6 1— F_��- APP DENIED I ' I 19 F 13 r—F 2 1'� APP WITHDRAWN FILE CLOSE FOR I INCOMPLETENESS �� F������ 15 — r—�F�- CA/Orange /0744.03 86• 48 LOAN ORIGINATED 1 11 17 4 F _ 11 f� APPROVED, NOT ACCEPTED rF 3'���F _7F APP DENIED F 7 10 F 3 FF31 APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS �� 1 �I�� I � ��—F , ���F,� I F_ _ _ CA/Orange /0744.04 LOAN ORIGINATED _ 62 16 29 7 2 9 54 1� 61 APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS CA/Orange /0744.05 2 21 F-5 �—����-7 I �9 21 F_ 2 10 16 F7 6 ?.F F 5 1 F—F-4F—1 I [ r - 91 � 42 4 of 5/12/00 8:02 PM FREC HMDA AGGREGATE REPORTS http://www.Mec.gov/cgi-bin/pbisa6O.dll...mnge &as table=l&as_page=N51&as_part=I LOAN ORIGINATED I 211 61 171 21 31 5 APPROVED, NOT ACCEPTED r 1 f— 5 F 4 APP DENIED F f 6 F 14 F 2 5�r— APP WITHDRAWN F— 4F— 4F 3F--F— 1 r 2 FFILE � CLOSE FOR INCOMPLETENESS �������� CA/Orange /0744.06 87 F 47 LOAN ORIGINATED IS 11 32 � F—r 3 F—F— APPROVED, NOT ACCEPTED F 3 F 5 F 3 F 1 —F—F— APP DENIED I I ' 10 3 F —F—F-F— APP WITHDRAWN r 5 —1 FILECLOSE FOR INCOMPLETENESS �����F-F—F-F-F- �� 1 CA/Orange /0745.01 97 r 44 LOAN ORIGINATED 13 � 24 F 4 F IF �� APPROVED, NOT ACCEPTED —F-I F 1—-- F - APP DENIED I ' F-3F--gI ' F—F-3F APP WITHDRAWN �1 F 1 I1 F 1 �F77 IFILE CLOSE FOR NCOMPLETENESS . CA/Orange /0745.02 93, 66 LOAN ORIGINATED 22 12 64 5 F— l5 F—F— APPROVED,NOTACCEPTED I `�—��r—F APP DENIED — r I 2 22 ��—� —F APP WITHDRAWN ( 2 I 13 F--F--F--2F—F-- FILE CLOSE FOR INCOMPLETENESS �2 F /0746.01 84 60 CA/Orange LOAN ORIGINATED F 54 28 F 83 16 2 10 F APPROVED, NOT ACCEPTED F--F— 1S F 41 F -77 _ APP DENIED 13 12 36 12—F 6 APP WITHDRAWN 3 326 F 1 I F FILE CLOSE FOR INCOMPLETENESS _ �[ 13 F /0746.02 92 56 CA/Orange LOAN ORIGINATED 41 F 7 87 11 APPROVED, NOT ACCEPTED r 6 r I81 3 —F 7 APP DENIED I 'F 6 77 15 APP WITHDRAWN �,_, 5 5 211 4 5: ,_<FT FILE CLOSE FOR �—F 6 F���� 1NCOMPLETEN SS 5 of 8 5/12/00 8:02 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mcc.gov/cgi-bin/pbisa6O.dli...range &as_table=l&as-page=N51&as_put=I 0. 9 ICA/Orange /0747.01 I I 941 63 LOAN ORIGINATED 49 13 87 F 8r—r 4 F—F-- APPROVED, NOT ACCEPTED IF 6 26 F I F APP DENIED F 5 F5 44 F 12 F APP WITHDRAWN 7 36 ���2 �� FILE CLOSE FOR F r F��� INCOMPLETENESS I CA/Orange /0747.02 93 60 LOAN ORIGINATED 29 30 78 10—F 3 �� APPROVED, NOT ACCEPTED —� 15 —�—F IF APP DENIED F2 10 23 F 8 F APP WITHDRAWN �� 16 �F IFILE INCOMPLEOSE FOR TEN SS �� Ill l CA/Orange /0748.01 F 98 55 LOAN ORIGINATED 25 8 57 F 2 9 � � APPROVED, NOT ACCEPTED F-- 10 11F--4F--F 9F-7 APP DENIED 2 f 3 22I— 2 F_F 3 fF— APP WITHDRAWN �F 1' 18 ����r— FILE CLOSE FOR INCOMPLETENESS F���� 80 50 CA/Orange /0748.02 LOAN ORIGINATED 15 45 F 33 F 10 F 2 F 3 F APPROVED, NOT ACCEPTED FI 16 F 9 F F APP DENIED F 4 F 70 17 F1 F 2.F-F— APP WITHDRAWN —F5 10 �—�— F-2 � � �r— FILE CLOSE FOR INCOMPLETENESS F '' F ���F� CA/Orange /0748.03 80 F 82 -F ORIGINATED 45 33 149 14 F= 11 FLOAN F APPROVED, NOT ACCEPTED �F ' 7 31 �'_71 F-F— APP DENIED F 5 21 49 13 F 4 �� APP WITHDRAWN 4F— 4 ?? F F--�_ 2 F FILE CLOSE FOR 1INCOMPLETENE S Y �� 191 l l �11- CA/Orange /0748.05 94 f 47 LOAN ORIGINATED 19 19 23 1 6 l—� �— APPROVED, NOT ACCEPTED 1 6 F 5 F__ —F APP DENIED F-1 F-8 10 r73 F-17 2 F—� APP WITHDRAWN F 1 FF— 77 . 1—F 717— 6 of 8 5/12/00 8:02 PM FFIEC HMDA AGGREGATE REPORTS httpJ/www.Mec.gov/cgi-bin/pbisa6O.dll...range &as_table=l&as_page=N51&as_pazt=t • IINFILE COMPLEOTE EOSS I 21 CA/Orange /0748.06 99 62 LOAN ORIGINATED 21' 45 2 F 2 �— APPROVED, NOT ACCEPTED �—�F Z �F—r—F—r— APP DENIED I� ` I " 19 F F IF 3 1 WN APP WITHDRA INCOMPLETE CFILE CLOSE OMPLETENESS I ` Ir F F-6 14 F —F—IF—[—F— r���� CA/Orange /0749.01 96 47 LOAN ORIGINATED 10 54 F-8F-2 17 F—F— APPROVED, NOTACCEPTED F 2 2F�—�FF—F— APP DENIED F 14I ' 27I ' F 'F— APP WITHDRAWN FILE CLOSE FOR IINCOMPLE ENESS F 6 18 10 �—����r— F—�I 3 �� CA/Orange /0749.02 97. 47 LOAN ORIGINATED 18 35 10 � 6 F APPROVED, NOT ACCEPTED —��F 2 ���.� APP DENIED F S F3 18 F 4 F APP WITHDRAWN F 4 FILE CLOSE FOR -F-F INCOMPLETENE S F F— 10 F—F—F 4 F 1 F—F—F—F— CA/Orange /0750.01 r 87 LOAN ORIGINATED 15 43 55 ���FI APPROVED, NOT ACCEPTED 15F1F—F— APP DENIED 7 1 r 14 F 14 �� APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS 1 ��I �� 2 ��� F � 'l F CA/Orange /0750.02 88- 37 LOAN ORIGINATED 45 65 54 f 9 F 3 10 F—r— APPROVED, NOT ACCEPTED 5 22 10 F 3 �F APP DENIED F 6 r 27 F 30 11 F 9 -F APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS 14 14 I — F ' 25 _ 10 I FI ' i 1 �I ' 2 � F CA/Orange /0751.00 LOAN ORIGINATED 23 54 F 120 F 14 r 2 13 68 F 59. APPROVED, NOT ACCEPTED I 3 I ' F 16 FFF 3 [ APP DENIED F 3 F 13 F 42 F—r 4 � F 7 of 8 5/12100 8:02 PM FFIEC HMDA AGGREGATE REPORTS httpJ/www.ffiec.gov/cgi-bin/pbisa60.dll...range &as_table=l&as_page=N51&as part -I is 0 APP WITHDRAWN I 3 I 161 221 21 1 1 FILE CLOSE FOR INCOMPLETENESS -F- 14I F 1 �I 2 Sofa 5/12/00 8:02 PM FFIEC HMDA AGGREGATE REPORTS httpd/www.ffiec.gov/cgi-biNpbisa6O.dll...mnge &as_table=I&asyage=N61&as_part=1 • 11 AGGREGATE TABLE -I: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN,1998 MSA:5945 -- ORANGE COUNTY, CA Page:61-70 of 122 Number of Loans Loans On 1-TO-4 Family Dwellings Loans On Non- CENSUS TRACT OR COUNTY NAME Dwellings occupant % Median Income lHome Purchase Loans Home AND DISPOSTION OF APPLICATION [Rern- ncing Improve- ment for 5 or More Loans on 1-TO-4 Min POP as PCT of FHA, FSA/RHS Conven- (STATE/COUNTY/TRACT NUMBER)l+ & VA tional Loans Families — Family 31 MSA Median r—(—'fir n ( CA/Orange /0752.01 I " I o ` I I I 93 65 _F 1LOAN ORIGINATED 39 6 F 62 F 10 F APPROVED, NOT ACCEPTED T Z 12 F APP DENIED 4 �3 267 �—���— I — 15 —[-F-F- FILEAPP CLOSE FOR INCOMPLETENESS F F F F CA/Orange /0752.02 87 F 65 LOAN ORIGINATED 24 21 75 F 4 � 3 13"F APPROVED, NOT ACCEPTED F 4 F 3 14 Fr IF 5 �� APP DENIED F 3 1 9 21 1 1 F—F_ 1 1_F_ APP WITHDRAWN F__6 F_ 1 13 F—1 F—F—�� FILE CLOSE ������ ESS INCOMPLETENESS /0753.01 1 I � '" F 55 95 CA/Orange LOAN ORIGINATED 6 46 86 S� I 3 �F— APPROVED, NOT ACCEPTED —� 6 � I F . F F F F APP DENIED r 1 F 8 24 F 1 r—F— 1 F_F_ APP WITHDRAWN F—�— 16 F T Z FILE CLOSE FOR INCOMPLETENESS I ��F 8 F I _I _ �� CA/Orange /0753.02 LOAN ORIGINATED 22 30• 102 131 1 F 5 �r— APPROVED, NOT ACCEPTED —� 3 F 9 F 2F -��� APP DENIED �5 2 � 29 �I ` F_F_ APP WITHDRAWN r 2 F 3 17 F 2 F-F__2F_(F_— FILE CLOSE FOR , �' 8��F�I INCOMPLETENESS F `I _I 27' 131 CA/Orange /0753.03 LOAN ORIGINATED 9 76. 150 F 1 3 ��_ APPROVED, NOTACCEPTED �� 1�$ 22•��I `F-F— APP DENIED �3 18 39 .74F 1 —��- I ors 5/12/00 8:04 PM FFIEC HMDA AGGREGATE REPORTS http://w w.tHec.gov/cgi-bintpbisa6O.dll...range &as_table=l&as_page--N61&as—parr-1 • • APP WITHDRAWN �F 5 27 1—��r— FILE CLOSE FOR INCOMPLETENESS �F I1 F���� CA/Orange /0754.01 29 97 LOAN ORIGINATED 20 64 143 F 2 F 6 F F APPROVED, NOT ACCEPTED 3F— 3 13F—F—F—F—F— APP DENIED F 2 F 13 24 F 6 F—F APP WITHDRAWN � 11 29 � 4 �—r—�r— FILE CLOSE FOR INCOMPLET NESS �������� 35 F 85 CA/Orange /0754.03 LOAN ORIGINATED 57 F 46 F 154 F 10 — 14 f�— APPROVED, NOT ACCEPTED F 3 F 9 18 f 6 F—F— APP DENIED F-41 13 49 7 F—F 4 F—F— APP WITHDRAWN 3 � 3 34 Fr—r 4 F—F— FILE CLOSE FOR INCOMPLETENESS �r4--���� I `I CA/Orange /0754.04 38• _ 88 LOAN ORIGINATED F 12 91 107 r 8 F 1 F 71 APPROVED, NOT ACCEPTED F--1 F 7 16 r 2 r—r 6 7— r—r—_ APP DENIED 137 29 r— 3 r—_r-2 r—r-- APP WITHDRAWN r— 2 14 20 rr—���— FILE CLOSE FOR INCOMPLETENE S -F-1 F ��� Ij- /0754.05 22 F 90 CA/Orange LOAN ORIGINATED 11 39 75 F 3 r�r--r_F— APPROVED, NOT ACCEPTED -F-1 APPROVED,NOT r— 2 r— 4 r- 2 r--r 1 —F— DENIED r— 3 F 5 F 12 r— 4 F APP WITHDRAWN r— 1 5 10 [ 1 r--r-2 FILE CLOSE INCOMPLETENESSESS , -���� �� /0755.04 16 113 CA/Orange LOAN ORIGINATED 13 69 154 r 8 r-- 10 r—r—_ APPROVED, NOT ACCEPTED r--F 8 19 r--r—r-3 f APP DENIED r— 2 r— 9 27 4 r-_r— 6 r—r- APP WITHDRAWN r--r�9 17 �-�—�� 2I � — INCOMPLE ENESS FILE CLOSE FOR ��'��I �� CA/Orange /0755.05 29 72 LOAN ORIGINATED 21 34 97 r 711 13 r—r- -F- APPROVED, NOT ACCEPTED 1 r— 6 I1 r� 1—� 1 r—r- 2 of 8 5/12100 8:04 PM FFIEC HMDA AGGREGATE REPORTS http://www.ffiec.gov/cgi-bin/pbisa6O.dll...range &as_table=l&as_pagFN61&as_part=1 APP DENIED � 10 24 ��F • • • 3 APP WITHDRAWN �� 12 �F—� 3 oeg 5/12/00 8:04 PM FFIEC HMDA AGGREGATE REPORTS httpJ/www.ffiec.gov/egi-bintpbisa6O.dil...range &as_table=l&as_page=N61&u_part=( APPROVED, NOT ACCEPTED I I Ill 161 I I 4 APP DENIED F--[ IS 38 F 4 ���r— • APP WITHDRAWN —I 17 27 F 1 F—f--1 F—F— r • 4 • FILE CLOSE FOR r • 4 • INCOMPLETENESS ������l� CA/Orange /0756.04 17 189 LOAN ORIGINATED r 9 233 493 13 F— 12 r— APPROVED, NOT ACCEPTED F 1 3 t 60 F-2F—F— 2 [—r— APP DENIED F 2 F 40 99 F 5 F—r 3 F—F— APP WITHDRAWN �_ 21 73 ��—��4 �� INF—F I 14 F�I 1 �� CA/Orange /0756.05 27 F 190 LOAN ORIGINATED 25 304 408 18 F--21 �� APPROVED, NOT ACCEPTED —1 36 48 3 � F 4 f APP DENIED F--5� 5 28 73 FF 3 APP WITHDRAWN —2 28 45 I ` F ` �I — FILE CLOSE FOR INCOMPLE ENESS FF 9 12 F CA/Orange /0757.01 18' 109 LOAN ORIGINATED F 11 F 98 181 F. 9 r 4 F-9F—F— APPROVED, NOT ACCEPTED F--1F— 8 28F 2F--F—F-F— APP DENIED —1 20 F 43 f 2 F—F—F—F— APP WITHDRAWN F 1 r 9 F 38 F �—r—jF 4[FILE CLOSE FOR 1� INCOMPLETENESS F� 11 I 1 F CA/Orange /0757.02 15• 123 LOAN ORIGINATED F 4 56 182 4 r—F— 5 [-F— APPROVED, NOT ACCEPTED r—F5 17 2 F—[--[—r— APP DENIED F-- 10 34 F— IF 2 APP WITHDRAWN r I F3 20 1 r—F 2 F FILE CLOSE ���F F .1 F INCOMPLETTENESSESS _ CA/Orange /0757.03 14 158 LOAN ORIGINATED 94 239 9 —� 4 F APPROVED, NOT ACCEPTED F—F--g 27 F 2 F-77 F:F— APP DENIED F— 15 30 F 5 1 4 APP WITHDRAWN F— 11 35 —F z F T— INCOMPLETENESS FILE CLOSE FOR �� 10 . . - CA/Orange /0758.02 22: 157 4 of 8 5/12/00 8:04 PM 4 of 8 5/12/00 8:04 PM FFIEC HMDA AGGREGATE REPORTS http://www.ffiec.gov/cgi•biWpbisa6O.dil...range &as_table 1&as_page=N61&as�art=-1 LOAN ORIGINATED I 71 1851 4671 181 1 I 15 APPROVED, NOT ACCEPTED 124 59 F I I —F 1 —F— • APP DENIED 47 86 8 F�F 5 [-r— APP WITHDRAWN F—19 57 f 3 �—jF�2 �� ILE CLOSE FOR -F 4 F COMPLETENESS r 21 I z �� CA/Orange /0758.04 144 88 LOAN ORIGINATED 20 104 278 10 F t F 27 F APPROVED, NOT ACCEPTED � 2 12 24 F-3F--F 4 [—F— APP DENIED F 5 20 51 11 F—� 5 F-F— APP WITHDRAWN r 1 10 48 Fj�--�—�� INCOMPLE ENESS �FILE CLOSE FOR � 11 �I �� CA/Orange /0758.05 22 84 LOAN ORIGINATED r 8 37 106 r 4 f I F 9 APPROVED, NOT ACCEPTED r—F— 5 11 F 2 r— I F r APP DENIED F-- F— b 19 F 1 F —�—[-F APP WITHDRAWN 1 F 4 19 ��—F FILMPL TE ESS �F-1 r 6 1 � INCOMPLETENESS I - I _ • CA/Orange /0758.06 LOAN ORIGINATED F 8 54 1461 9 F— 15 ��— APPROVED, NOT ACCEPTED F—F 3 f 14 1 —F 3 F APP DENIED IS 32 FT---� I F 3 F APP WITHDRAWN r� 4 25g—��� —F� FILE CLOSE FOR INCOMPLETENESS 7�I ���'� CA/Orange /0758.07 34 F 105 LOAN ORIGINATED 15 65 157 F I 10 f APPROVED, NOT ACCEPTED —� 9 F F 1 -1, ` f F APP DENIED [-- 10 42 12 _F--F-r- APP WITHDRAWN F I $ 33 f ' �� FILE CLOSE FOR �1 10 �—�'F INCOMPLETENESS CA/Orange /0758.08 777[19 123 LOAN ORIGINATED —2 87 173F77 6•�— 11 ��— APPROVED, NOT ACCEPTED F— 10 18 21 F APP DENIED 6 33��—�2�j�� _3•j��� • APP WITHDRAWN 1 f 9 31 I�' `�i i • , , INFILE CLOSE COMPLET MESS 13 I 5112/00 8:04 PM 5of8 FFIEC HMDA AGGREGATE REPORTS hnp•J/w%w.ffiec.gov/cgi-bin/pbisa60.dll...range &as_table=l&as,page--N61&as_parr—I 17.1 to ICA/Orange /0758.09 I I 15I 202 LOAN ORIGINATED F-- 75 r 213 11 F 1 Ill APPROVED, NOT ACCEPTED —F 9 21F 41—F F—F— APP DENIED r 5 F 23 F 9 F APP WITHDRAWN [ —F 7 33 F 2 F FILE CLOSE FOR INCOMPLETENESS �� 12 F r [—F-- /0758.10 CA/Orange LOAN ORIGINATED F 2 55 160 F 4 F 1 F 2 F APPROVED, NOT ACCEPTED F—F 7 16 FT_�—F—F— APP DENIED 10 417 �—F 1 F—F— APP WITHDRAWN —F— 8 25 F 3 F—F—F� FILE CLOSE FOR INCOMPLETENESS I - � F T CA/Orange /0758.11 LOAN ORIGINATED [ 4 47 F 113 f 8 -- 16 APPROVED, NOT ACCEPTED F 1 16 F 18 F 3 F I APP DENIED 1 10 20 F 4—I 3 APP WITHDRAWN F—F 9 23 F-F —IF—F— IFILE CLOSE FOR INCOMPLETENESS �F-1 F-1 F—F—F-7— 41 94 CA/Orange /0758.12 IoAN ORIGINATED r 4 54 F 175 F 141— APPROVED, NOT ACCEPTED F— 10 16 F r 1 F— APP DENIED I 14 F 38 F3 F 2 F APP WITHDRAWN F—13 ��—� 3 F FILE CLOSE FOR INCOMPLETENESS �390 1 F F. TCA/Orange 38 70 /0759.01 LOAN ORIGINATED 24 F 31 78 r 4 �_ 10 F - F APPROVED, NOT ACCEPTED —F 51 72 F—F—F— APP DENIED (�2 13 20 66 4 APP WITHDRAWN F 3 F 5 15 ' 7 3 CLOSE FOR INCOMPLETENESS _ �FILE ��1�F— 30. 77 CA/Orange /0759.02 LOAN ORIGINATED 18 82 126 7 3 2�1 F� APPROVED, NOT ACCEPTED F 1 F 7 24 F-- 3 I . _ ` F APP DENIED _ —2 F 10 39 F_ 6 77_ F .T APP WITHDRAWN F— 12 20 3 6of8 5/12/00 8:04 PM FFIEC HMDA AGGREGATE REPORTS http://w.ffiiec,gov/cgi-bin/pbisa6O.dil... range &as_table=l&as_page=N61&as_part=1 0 • 0 FILE CLOSE FOR INCOMPLETENESS l I 21 7 l I I I CA/Orange /0760.00 131 89 LOAN ORIGINATED 54 59 159 12 r 3 F 27 F F— APPROVED, NOT ACCEPTED Fr 6 F 19 F 3 f 1 f 3 APP DENIED F 3 22 55 F 8 F F—r— APP WITHDRAWN INCOMPLETENESS FILE CLOSE FOR F-9 �� F— 6 46 IS F-- 1 F rF--4��� 1 1-7 CA/Orange 10761.01 42 F 79 LOAN ORIGINATED 11 46 126 FF l 15 F APPROVED, NOT ACCEPTED f 1 F5 16 F I ���— APP DENIED r 3 14 48 r 1 F—F 4 F-F— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS r 2 r 4 19 F I F 2 F—F— CA/Orange /0761.02 42 79 LOAN ORIGINATED F 2 F IS F 13 F �—F--7F—F— APPROVED, NOT ACCEPTED F— f 6 Fr—F APP DENIED � 14 Fr—F—I 2F� APP WITHDRAWN r—r IF 5F—F—F--1 FF— INCOMPLETEN SS FILE CLOSE FOR �������� CA/Orange /0761.03 50 LOAN ORIGINATED 12 65 85 FF 1 14 FI APPROVED, NOT ACCEPTED F 1 16 FFF� 5 F-F— APP DENIED I 18 25 F-6 F� 6 ��— APP WITHDRAWN f--4F— 7 17 F—[ 1 F b FFILE CLOSE FOR -F 7 INCOMPLETENE S F F . ... I 1 CA/Orange /0762.01 201 LOAN ORIGINATED 23 88 194 16 F � APPROVED, NOT ACCEPTED 2 F 7 23 —f—F 1 APP DENIED r 3 11 27 F 5 F 2 [�— APP WITHDRAWN 2 14. 24 r 1 F �7�F— FILE CLOSE FOR F F — F I INCOMPLETENESS I I 'I I - CA/Orange /0762.02 34. LOAN ORIGINATED 15 19 77 r 4 1 11 r�— APPROVED, NOT ACCEPTED �—F2 12 F----7 F—r 3 F APP DENIED F— 1 F 5 22 F 2F--F— 1 I—F— 73 — 109 — F— 91 7 of 8 5/12100 8:04 PM FFIEC HMDA AGGREGATE REPORTS hapJ/www.Mcc.gov/cgi•bir✓pbisa6o.dll...range &as_table=l&as_page=N61&aa—part=l 0 • APP WITHDRAWN I 1 I 41 101 I 11 FILE CLOSE FOR ���F �� INCOMPLETENESS 8of8 5/12/00 8:04 PM FFIEC HMDA AGGREGATE REPORTS http:i/www.Mec.gov/cgi-bin/pbisa60.dll...range &as_tablr l&as.page=N71&as_part=1 AGGREGATE TABLE-1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 1998 • MSA:5945 - ORANGE COUNTY, CA • E Page:71-80 of122 Number of Loans CENSUS TRACT OR COUNTY Loans On 1-TO-4 NAME lHome Purchase Loans AND DISPOSTION OF F� APPLICATION FSA/RHS Conven- tional (STATE/COUNTY/TRACT & VA I NUMBER)I —�' I—D Family Dwellings Loans On Dwellings for 5 or More Families Non- occupant Loanson 1-TO-4 Family % Min Pop 3 -' Median Income' as PCT of MSA Median [Refin- ncing Home Improve- ment Loans I � `—� " I �G ' � CA/Orange /0762.04 771 44 LOAN ORIGINATED �F 8 17 �� I r 8 �r— APPROVED, NOT ACCEPTED �Fr—F—F—F-F-- APP DENIED—F 3 ��—��� APP WITHDRAWN—F—�F—F—r FILE CLOSE FOR INCOMPLETENESS �������— IF CA/Orange /0762.05 32 F 100 LOAN ORIGINATED I8 64 153 r� 12 F APPROVED, NOT ACCEPTED F—F— 6 F 17 6 F 2F APP DENIED I ' 12 18 F 9 F APP WITHDRAWN rF INFILE CLOSE FOR COMPLETENESS —F—ir 8. 20 7 F 2 F—[��� F CA/Orange /0762.06 14 F 96 LOAN ORIGINATED 8 89 162 �r— 1I F-F- APPROVED, NOT ACCEPTED F— 15 9 F I �-��� APP DENIED F— 18 29 r 3 r—F Z F—F— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS r I � I 12 I 17 ' r 2 r—F IF F— CA/Orange /0762.07 54 135 LOAN ORIGINATED LOAN F 1 15 F—��� 54 FF—F 1F— 1 —F-r— 1—F— APPDENIED I `�-��� -�—��— F APP WITHDRAWN FILE CLOSE INCOMPLETENESS ESS _ CA/Omnge 10762.97 LOAN ORIGINATED APPROVED, NOT ACCEPTED I APP DENIED F—1 FF5 F F 1 FFF, 12 75 171 r 9 2 13 —I 26 3—�F� 1 12 30 F 6 r—��� IT F— F 97 F— I org 5112100 8:05 PM FFIEC HMDA AGGREGATE REPORTS httpJ/www.tiiec.gowcgi-bWpbisa60.dll...range &as_table=l&as_page=N71&as_part=1 • • 2of8 APP WITHDRAWN INCOMPLE NESS 3 6 r 33 3 2 F—F— CA/Orange /0762.98 16 F 106 LOAN ORIGINATED 5 36 108 �r— 10 ��— APPROVED,NOTACCEPTED f l 3Fr 3 1 F I F APP DENIED F--f 6 25 F 4 F APP WITHDRAWN Ff 2 11 F 1 F 3 1—F— INCOMPLETENESS FILE CLOSE FOR �������� CA/Orange /0863.01 F 49 F 85 —F ILOAN ORIGINATED 34 34 132 F 9 F 1 r 13 F APPROVED, NOT ACCEPTED I r 6 F 24 F 4 f� APP DENIED Fr 8 F 48 r 8 F I F 4 r APP WITHDRAWN I 3 I ` 28 r 2 �r--r—rFILE -- CLOSE FOR INCOMPLETENESS r 2 5����� CA/Orange /0863.03 32 90 — LOAN ORIGINATED 16 38 85 11 r 17 9 F APPROVED, NOT ACCEPTED r 1 Fr 9 r 1 r--r 3 r—r— APP DENIED r 2 F-7 29 F— 2F—r--r—r— — APP WITHDRAWN APP r--� 19 r 1 F- 4 r—rFILE CLOSE FOR INCOMPLE EN SS 7 F���� CA/Orange /0863.04 23 102 LOAN ORIGINATED r— 8 r 50 98 FFF 5 r—r—_ APPROVED, NOT ACCEPTED -F-1 16 APP DENIED r- 1 F-9 30 r 5 r--��� APP WITHDRAWN F-1r— 7 21 r 1 r--r--F FILE CLOSE FOR 1INCOMPLETEN SS ��� ���— CA/Orange /0863.05 24 128 LOAN ORIGINATED F (0 53 F 133 F 13 r--r— 4 r—r-- APPROVED, NOT ACCEPTED F 1 r 3 Fr 1 r—r--r—r— APP DENIED F--F 7 33 F 6r--F7-- 1 r—F-- APP WITHDRAWN F 1 21 F-7- ir—F_ _'FF- FILE CLOSE FOR INCOMPLETNESS F I LLL CA/Orange /0863.06 29 107 LOAN ORIGINATED d 4 I 44 81 r 4 r--r 7 r—r-- APPROVED, NOT ACCEPTED F—F 6 r 8 r—F—F— 1 1—F— FFIEC HMDA AGGREGATE REPORTS hnp://www.Mec.gov/cgi-bin/pbisa6O.dll...range &as_table=l&as_page=N71&as_paml • E r� APP DENIED F--I— 9 I8F--3F—rF-r— APP WITHDRAWN F—F 5 F 13 F—F—F—F—r— INCOMPLETENESS FILE CLOSE FOR �����I CA/Orange /0864.02 F 42 F 94 LOAN ORIGINATED 23 F 46 119 Fr 1 f 8 F APPROVED, NOTACCEPTED �F 4 I1 f 3 —F—F—r— APP DENIED I ` 13 F 20 F 4 F 2 F— F— APP WITHDRAWN F— 11 12 r 3FFILE CLOSE FOR -F-1 F 7 I INCOMPLE EN SS F I � 1 �� CA/Orange /0864.04 51 84 LOAN ORIGINATED 44 22 92 10 —F 7 [-F— APPROVED, NOT ACCEPTED r 5 F3 12 f F—FFF— APP DENIED F-3 F 2 38 F 5 1 Fr— APP WITHDRAWN �� 32 �rr-r- F— FILE CLOSE FOR INCOMPLE 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DENIED APP WITHDRAWN INCOMPLETEN SS FILE CLOSE FOR 2 F 3 � 3 F 6 IS 24 30 F 4 24 11 I 2 -F Fr—F7;r— F 33 F—��F-r— 2 F 3F-r- 1 �� CA/Orange /0868.01 30 86 4of8 5112/00 8:05 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mec.gov/cgi-bin/pbisa6O.dll...range &as table=t&as_pWN71&as_parl=I • • • 50fa LOAN ORIGINATED I 161 311 1041 141 I 5 APPROVED, NOT ACCEPTED F 2 F 6 13 rF 1 F 2 r APP DENIED F__I V 31 1T� APP WITHDRAWN �� INCOMPLETENESS F [FILE CLOSE FOR _F 3 27 �r 12 F F F 3 f CA/Orange /0868.02 40 F 84 LOAN ORIGINATED 25 30 98 13 F L 16 f APPROVED, NOT ACCEPTED F 2 F3 i l( 1 F—�F-r— APP DENIED I 6 31 r 6 F 5 F—r— APP WITHDRAWN 5 F— 17 �� 1 2 INCOMPLETENESS FILE CLOSE FOR F F 1 F 8 F CA/Orange /0868.03 32 86 LOAN ORIGINATED 20 46 108 10—��� APPROVED, NOT ACCEPTED F 1O F 3 F 1 ��— APP DENIED F-2F--7 34 F__7F_r 2 f� APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS �� �(������� 1 24 r 1 r2�2 �F CA/Orange /0869.01 40 58 LOAN ORIGINATED 17 25 68 10 r 2 F 9 F_F_ APPROVED, NOT ACCEPTED �� 2 11� 1�_F APP DENIED F 3 F 8 F 23 f Fr 31 APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F 2 -F-F F F 5 11 2 F 2 IF F 1 I F_F_ F F CA/Orange /0869.02 28 82 LOAN ORIGINATED 15 29' 63 � r 2 ��r— APPROVED, NOT ACCEPTED F—r 9 10 ��—�2 APP DENIED �— 14 F 27 f 6 F b F_F_ APP WITHDRAWN 2 3 _ 13 F TFILE CLOSE FOR INCOMPLETENESS �1 F 2 F F CA/Orange /0869.03 39 77 LOAN ORIGINATED 15 23. 103 �� 3 7,��— APPROVED, NOT ACCEPTED 2 5 9-r-('�, FT APP DENIED 1 12 37 4 _ 1 ��" APP WITHDRAWN r 21 _�_ . 1FILE F: 1 f ' � _ CLOSE FOR INCOMPLETEN SS �I-I g8 _ I ���� FFIEC HMDA AGGREGATE REPORTS httpJ/w .ffiec.gov/cgi-bin/pbisa6O.dll...range &as_table=l&as,page=N71&as,part=I • E ICA/Orange /0870.01 I 151 I 83 LOAN ORIGINATED F 16 F 27 F 56 Fr l r 31 APPROVED, NOT ACCEPTED r—� 3 r 4 r 3 r—r—r—r-- APP DENIED F-- 10 16 r• 3 rr--r—r-- APP WITHDRAWN INCOMPLE ENESS Fr— F 3 I1 r—F—r I 2 F��� r—r— CA/Orange /0870.02 F 31 77 LOAN ORIGINATED 22 F 43 11 I 15 r 2 10 r—r— APPROVED, NOT ACCEPTED 1� 20 F r--r —rr— APP DENIED F-6 25 34 r 7 F F 2 r—F__ APP WITHDRAWN CLOSE FOR INCOMPLETENESS 4 �� 12 35 12 r _ F 1 r- 1 jr�—rFILE — CA/Orange /0871.01 47 78 LOAN ORIGINATED � 22 39 r 6 r--r 5 r—r— APPROVED, NOT ACCEPTED r--F—i r— 2 r 1 r—rr—r— APPDENIED f___l r-- 19 r--r—F 1 r—r-- APP WITHDRAWN CLOSE FOR INCOMPLETENESS F—I �FILE r— 4 r— 5 rF_r--r- ������7 — r CA/Orange /0871.02 54 F 66 LOAN ORIGINATED 12 38 47 14 r— 14 r—r— APPROVED, NOT ACCEPTED r— 1 Fr 1 r--rr 3 r—r— APP DENIED Fr— 8 10 r 5 r--r 4 r—r— APP WITHDRAWN CLOSE FOR INCOMPLETENESS Fr— 7 �FILE F—F—F-1 14 r—r--r 2 F_F_F_I r—r— CA/Orange /0871.03 LOAN ORIGINATED 24 f 71 154 r 9 r— 3 r 9 30 r—r— 91 APPROVED, NOT ACCEPTED �r— 6 20 r— 2 r r 3 r—r— APP DENIED APP WITHDRAWN _... _ _...... _ _ I FILE CLOSE FOR INCOMPLETENESS F3 18 51 ° �F 47 37 12 I 10 r�—i I r—r-2r—r-- F-1-7 CA/Orange /0871.04 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN 19 46 143 F 8 r- 6 11 F 1 7 5 22 r 3 r—r 2 r— 3 12 26 r 8 r—F 1 Fr— 4 36 F IF . 3 F 1 45• r—.r— r-r- r—r-- Fr- 86 6 or8 5/12/00 8:05 PM • ge=N71&as_par-1 FILE CLOSE FOR INCOMPLETENESS 1 14 1 CA/Orange /0872.00 37 F 78 LOAN ORIGINATED 36 36 110 14 f 7 19 �r— APPROVED, NOT ACCEPTED F� 8 10 F 1( IF 2[ APP DENIED I ° 10 35 r 4 F�F-r— APP WITHDRAWN Fr 2 r 23 F I [ 4 F—r— FILE CLOSE FOR INCOMPLETENESS F I _ 13 ����7 CA/Orange /0873.00 80 46 LOAN ORIGINATED 45 45 81 r 9 r 3 F_ F_ APPROVED, NOT ACCEPTED I I I ' 16I� 4 F F I �� APP DENIED r 24 42I 9 �r2F� APP WITHDRAWN 12 F9 19 FFr 4 F CLOSE FOR INCOMPLETENESS FFILE ������7 CA/Orange /0874.01 42: 79 LOAN ORIGINATED 33 F 18 F 57 r 6 F APPROVED, NOTACCEPT6D� 4 14��r 1F-F— APP DENIED F__4 13 28 F 3 F 2 F—F— APP WITHDRAWN CLOSE FOR 1 INCOMPLETEN SS F 6 F 1F F 6. 11 F 1FILE F—F—F-1-1— ��� CA/Orange /0874.02 76 53 LOAN ORIGINATED 61 F 30 45 I ' r IF 15 F APPROVED, NOT ACCEPTED FF Sr 6F I[ 4 F� APP DENIED F6 22 19 FF 1 F 20 APP WITHDRAW —NI FILE CLOSE FOR INCOMPLETENESS 5 I 14 `' � 12 _� IO F 4����� F — CA/Orange /0874.03 70 63 LOAN ORIGINATED I 4 ' 20 F 3 F 1 F_�— APPROVED, NOT ACCEPTED F 3 F F—F-1—:17' APP DENIED I 3 I 14 3 F T 3 F APP WITHDRAWN � FILE CLOSE FOR INCOMPLETENESS IF—F-3 —F—IF__F��T F--r—r __ _ 1 �r— CA/Orange /0875.01 F68,F 67 LOAN ORIGINATED 19 32F.78 11 r— 6 r— 8 r—r— APPROVED, NOT ACCEPTED I APP DENIED I ' 13 14 F 1 f 1 26 22 r 2 r— 2 r 2 �F r—r- 7 of 8 5/12/00 8:05 PM FFIEC HMDA AGGREGATE REPORTS httpJ/www.ffiec.gov/cgi-biWpbisa6O.dli...range &as_table=l&as_page=N71&as_parr—I 0 • 0 APP WITHDRAWN I 31 21 241 21 1 I 31 FILE CLOSE FOR INCOMPLETENESS ���F Borg 5/12100 8:05 PM FFIEC HMDA AGGREGATE REPORTS http://www.ffiec.govtcgi-birdpbisa6O.dil...mnge &as_table=l&as_page=N81&as_pan=l AGGREGATE TABLE-1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 1998 • MSA:5945 — ORANGE COUNTY, CA 20 • Is Page:81.90 of 122 Number of Loans CENSUS TRACT OR COUNTY Loans On 1-TO-4 Family Dwellings Loans On Non- Median Home Purchase LoansF NAME Dwellings occupant % Income AND DISPOSTION OF APPLICATION F for 5 or More Loans on 1-TO-4 Min Pop as PCT of FHA, FSA/RHS Conven- (STATE/COUNTY/TRACT NUMBER)-L &VA tionalFamilies Family 1 MSA Median �—-n j—E CA/Orange /0875.03 I " IF`BF I 1 F 45 75 LOAN ORIGINATED 20 25 73 8 r—� 7 �r- -F- APPROVED, NOT ACCEPTED 1 2 F-8r 3 r APP DENIED F— 2 F— 5 24 F 7 F—F--31—F— APP WITHDRAWN F 1 r 4 21 FF IF 1 I FILE CLOSE FOR INCOMPLET NESS F������� CA/Orange /0875.04 71 58 LOAN ORIGINATED 9 14 27 F-5 4 F8 F— F— APPROVED, NOT ACCEPTED IF 2 11 r 2 F 2 F—F— APP DENIED F-21 10 19 r— 3 r--r— 6•1—F— APP WITHDRAWN r--r— Z F 9F—F IF INCOMPLETENESS FILE CLOSE FOR ��[� — CA/Orange /0876.01 LOAN ORIGINATED r— 7 27 57 r-5 r� 1 F 4.r—r— APPROVED, NOT ACCEPTED r--F—F 6 r— I r— t r�--2 r—r— APP DENIED r--r— 6 27 r 3 F ` F—F— APP WITHDRAWN r--F 2 r 6 r—? r- i —FILE CLOSE FOR F F ��INCOMPLETENESS CA/Orange /0876.02 LOAN ORIGINATED21 68 135 17 r— 3 12 [—F— APPROVED, NOT ACCEPTED r— 11 11 18 r— 1 r--1 3 F—F- APP DENIED F-41 23 41 i l r— 2 r�2 r—r-- APP WITHDRAWN r— 1 r— 5 287 ---I _ _ `F—F— INCOMPLETENESSFILE CLOSE FOR F� 1t �����. CA/Orange /0877.01 LOAN ORIGINATED 12 27 94 r— 3 r— 1 r— 5 APPROVED, NOT ACCEPTED r--F 3 F 15 F 3 r--I ` r—F APP DENIED r— 2 1 12 42 r— 9 r—_F 4 r—� 1 of g 5/12/00 8:07 PM 11 1481&as_paml APP WITHDRAWNFILE �� 3 22��_� 2�� CLOSE FOR INCOMPLETENESS F CA/Orange /0877.03 47r 91 LOAN ORIGINATED 34 29 136 14 F— 12 APPROVED, NOT ACCEPTED F— 1 F— 9 19 F—I F—F 2 F—F— APP DENIED F— 4 10 51 r 9 F-1 5 F—F— APP WITHDRAWN 5 F 4 F 23 F 2 F INCOMPLETENESS 7 F T CA/Orange /0877.04 28 28 93 LOAN ORIGINATED 28 40 100 9 r 3 13 F APPROVED, NOT ACCEPTED 1 I3 12 F 37 2 � — APP DENIED �I� 9 51 F 5 F—F 3 F-r— APP WITHDRAWN 2 � 6 24 FF IF FILE CLOSE FOR INCOMPLETENESS �F� I " I _ 7— �� CA/Orange 10878.01 33' 82 LOAN ORIGINATED 38 F 58 F 132 F. 1 F_�r— APPROVED, NOT ACCEPTED 1 2 22-1 F—F— APP DENIED 5 10 39 10 F IF F F_ APP WITHDRAWN am— �1 � 4 F 4 24g F—�I ` �� FILE CLOSE FOR INCOMPLETENESS -F 2� F ��� CA/Orange /0878.02 1 LOAN ORIGINATED 30 36 91 11 2 S.�r— —�F-1 APPROVED, NOT ACCEPTED 1 � 9 12 F APP DENIED F 4 23 38 15 F—�� 9 - — APP WITHDRAWN APP F--3I 23 F 3 �I 4 —F —F CLOSE FOR INCOMPLETENESS g �F ���� -- CA/Orange 10878.03 LOAN ORIGINATED 7 11. 31 F 9 —� 4I'[_ APPROVED, NOT ACCEPTED APP DENIED [—I 2 F 3 F—F F F— 3 [--, r 9 F— F-77-�' APP WITHDRAWN FILE CLOSE FOR F- F 7F-11 -77-7:F-fj INCOMPLETEN SSI - _ _ . 42. 70 CA/Orange /0878.05 LOAN ORIGINATED 19 33 73 5 APPROVED, NOT ACCEPTED �— 17 10 F 1 2of8 5/12/00 8:07 PM FFIEC HMDA AGGREGATE REPORTS http://www.ffiec.gov/cgi•bin/pbisa6O.dll...range &as_table=l&as,page=. 8I&as_pamt 7 �r 4 �I APP WITHDRAWN �F 2 24 r 1 F 1 F 1 F� FILE CLOSE FOR INCOMPLETENESS �—F-7 F—F-1 F-1 7— CA/Orange /0878.06 52 69 LOAN ORIGINATED 33 23 52 14 �F 7 I r APPROVED, NOT ACCEPTED F 3 F 3 1I �Fr�� APP DENIED �� 21 F 5 r�F—F— APP WITHDRAWN IN F 4 ���F���� � 14 F 3 ���� CA/Orange /0879.01 64 59 LOAN ORIGINATED 15 40 38 r 6 ���� APPROVED, NOT ACCEPTED f— 10 F— 8 r F—F—F—r— APP DENIED r 3 t I 19 r 6 ���� APP WITHDRAWN CLOSE FOR 1 INCOMPLETENESS �— �������� � 13 ��FILE F�� CA/Orange /0879.02 63• 77 LOAN ORIGINATED 19 20 79 17 F— 10 1—F— APPROVED, NOT ACCEPTED � 1 F 3 11 �����' APP DENIED �� 31 ��� 5 �r— APP WITHDRAWN FILE CLOSE FOR I INCOMPLETENESS � �� F1 19 11 ��I ��I If 1 �� � CA/Orange /0880.01 40• 93 LOAN ORIGINATED 23 39 146 ll���r— APPROVED, NOT ACCEPTED F 1 [ 3 18 ��F 1 r— F— APP DENIED f 4 10 53 �—F-1 F— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS r 2 F 5 34 r ] �� 2 �� _ CA/Orange /0880.02 35. 94 LOAN ORIGINATED 7 28 I10��r 4�F APPROVED, NOT ACCEPTED �� 10F F r_�F APP DENIED F—F-3 18 F— 5 F--F 2'r—F APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F 1 F� F 3 12 � 7—� 1 � r- CA/Orange /0881A1 23, 79 LOAN ORIGINATED 31 16 _49 r 5 7—� 6 �� APP DENIED r 3 24 29 F • • 3 of 8 5/12/00 8:07 PM FFIEC HMDA AGGREGATE REPORTS httpJ/www.Mm.gov/cgi-bin/pbisa6O.dll...range &as_table=1&as_pagFN81&as_psrnl • • • APPROVED, NOT ACCEPTED I I 1 I 71 21 I 1 APP DENIED r 27 15 r 9 ����I APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F z F F 2F 7rr—F I ' I ' F 1 f—�— �- CA/Orange /0881.04 34 F 83 LOAN ORIGINATED 11 24 F 42 2 F 2 F 3 F APPROVED, NOT ACCEPTED F 19��—F-1r— APP DENIED I IF ' 13 I ` f 1 F APP WITHDRAWN INCOMPLEENESS FILE CLOSE FOR F—F3 14 FF—F �������� IFr— CA/Orange /0881.05 37 82 LOAN ORIGINATED 16 F 48 90 I ' F [-F— APPROVED, NOT ACCEPTED �� 15 3 —17 F� ' �� APP DENIED F1 14 331 4I ` APP WITHDRAWN CLOSE FOR INCOMPLE ENESS F 1 F9 25 FFILE � l0l— ��—�� 1 �I—� 1 7— CA/Orange /0881.06 33• 62 LOAN ORIGINATED F 18 35 68 I 9 I 4 I 8 F'F APPROVED, NOT ACCEPTED F 15 F— -- APP DENIED F —F 9 F 24 11 F APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F-3( F � 1 , ' I f 18 5 �r���� F F—F-2 f� CA/Orange /0881.07 49. 67 LOAN ORIGINATED 43 89 F 8 F. 12 F—'F— APPROVED, NOT ACCEPTED F 2 F 12 F 5 [ APP DENIED 15 22 r 7 F APP WITHDRAWN FILE CLOSE FOR—[ INCOMPLETENESS F—F6 , I—[ 20 �F ��FI�� FF F CA/Orange /0882.01 r 3' _92_ LOAN ORIGINATED r 8 31 108 �r 3 ,�_ APPROVED, NOT ACCEPTED r—� 6 IS F�—� 2 ��— APP DENIED 4 26 [--5 F—F—F—F— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F[ ��—r IF 17 F . IF ����� CA/Orange /0882.02 30. 97 4 of 8 5/12/00 8:07 PM FFIEC HMDA AGGREGATE REPORTS http://www.ffiec.gov/cgi-birL/pbisa6O.dll...range &astable=l&as_pWN81&as•part=1 LOAN ORIGINATED I 161 391 851 111 I 5 APPROVED, NOT ACCEPTED F 2 F 3 FF 1 F—F—F—F— • APP DENIED F 3 F5 25 r 7 r—� 1 ��— • n U APP WITHDRAWN CLOSE FOR INCOMPLETENESS r 1 r 6 —������� r 14 F 5 rFILE CA/Orange /0882.03 30 F 86 LOAN ORIGINATED 9 f 33 F 95 F 14 r— 2 r 5 [—F— APPROVED, NOT —ACCEPTED F-1 f—1 12[—F—F 1F—F— APP DENIED r--[ 6 F 24 r 8 rr— 3 F—F— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F—F-2 �— 17 12 r 2 ����— F—F—[—r— CA/Orange /0883.01 33 85 LOAN ORIGINATED F 17 60 F 121 r 11 r l r 11 r—r— APPROVED, NOT ACCEPTED r I r 5 17 r 4 r— 2 rr—r— APP DENIED F4 10 33 r 5 ��r—r-- APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS r 2 �T I - F 9 F 25 F 3 11 I 2 F_ �I F 1 r—r— �� CA/Orange /0883.02 24-F 97 LOAN ORIGINATED 16 58 F 148 r 7 r 2 r 6 APPROVED, NOT NOT ACCEPTED FI 11 16 ��F. f -I- APP DENIED i t 37 i t F—r— 1 I-r-- APP WITHDRAWN FILE CLOSE FOR •. INCOMPLETENESS r 1 —� I 11 26 197 F r--r I 1 ' r—r— [ CA/Orange /0884.01 33, 91 LOAN ORIGINATED 32 67 155 17 �— 11 r—r— APPROVED, NOT ACCEPTED 12 17 r 3 r--r—r—r—_ APP DENIED l I8 58 11 r--r 4 r—r-- APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F 4 ��IF r— 9 38 12 I F 2 r— _F ���F 4 r—r— CA/Orange /0884.02 53 68 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS 17 r— IF r— i r— 2 F������� 28 4 t 4 F 3• 66 r 5 16 I I r 2 Fr—r—F_ r— 2 r.--r—r r—r— r—r—r—r-- 2 2 r—r— F—r-- r-- 5 of 8 5/12/00 8:07 PM FFIEC HMDA AGGREGATE REPORTS hnp://w�w.ffiec.gov/cgi-birdpbisa60.dll...range &az table=l&aspagc=N81&as-pan=1 C1 • 0 ICA/Orange /0884.03 I 145I 84 LOAN ORIGINATED 48 F 66 F 134 r 14 16 F—F— APPROVED, NOT ACCEPTED 2 F 16 r 25 F 4 F APP DENIED 7F14 59 r 3 r F 71 APP WITHDRAWN � 15 24 F 2 [ 3 FFILE �— CLOSE FOR INCOMPLETENESS F�r 6 1���� CA/Orange /0885.01 f 54 75 LOAN ORIGINATED 19 27 102 F 2 FFF� APPROVED, NOT ACCEPTED F--F 3 16 F-2F--F 2 F-r— APP DENIED 12 F 24 F8 F APP WITHDRAWN r 4 8 22 F 3 F—F 3 FILE CLOSE INCOMPLETENESS -�I-' ����- 53 67 CA/Orange /0885.02 LOAN ORIGINATED 24 23 73 3F-� APPROVED, NOT ACCEPTED 1 6 3 2 F— �r—�� APP DENIED I--1 F— 9 31 2 F—F-3 1-F— APP WITHDRAWN I— 3 2' 17 F IF —F—F-F— F[LECL TE ESS INCOMPLETENESS �������� CA/Orange /0886.01 47 74 LOAN ORIGINATED 35 39 91 9 IS F-F— APPROVED, NOT ACCEPTED F— 2 F 5 13 I 37—F [-F- APP DENIED I 3 I 26 11 F 2 [—F— APP WITHDRAWN F-2F-9 20 F—F—F-3FILE CLOSE INCOMPLETENESS 1�� FI F 8 F CA/Orange /0886.02 F 38 r 86 LOAN ORIGINATED 7 16 27 99 FF 1 F7 F APPROVED, NOT ACCEPTED 7 3 114 F 1 F—�—�� APP DENIED 4 F 7 27 F .7r—FF—r— APP WITHDRAWN F—F 6 23 ��-��� FILE CLOSE FOR INCOMPLETENESS �����I CA/Orange /0887.01 — 52 58 LOAN ORIGINATED 15 62, 81 F 8 2 12 �F— APPROVED, NOT ACCEPTED F 1 4• 10 F 2 APP DENIED � 1 � 7' 29 10 F--F 1 F�— APP WITHDRAWN F 2 10 18 F 1 F 1 ��— 6 of 8 5112100 8:07 PM FFIEC HMDA AGGREGATE REPORTS http://w vw.t£ec.gov;c8-biNpbisa60.dll... range &as table=1&as_page=N81&as_pan=1 (INCOMPLETENESS I 11 21 101 • C/0887.02 78 LOAN ORIGINATED 86 7 1 17 53 9 58 ��f 1F 2 APPROVED, NOT ACCEPTED 1 r 3 13 2 �r—�� APP DENIED F-- 15 26 r 9 rF—�F— APP WITHDRAWN FF 6 17 r 1 rrr—r— INCOMPLET NESS �� l0l T —I 2 FFILE CLOSE FOR F CA/Orange /0888.01 55 F 58 LOAN ORIGINATED 30 48 90 r 7 r— 2 F 9 F APPROVED, NOT ACCEPTED �� 7 14 r 4 r--r 3 APP DENIED 5 F 8 43 r 5 r--r 2 r—r— APP WITHDRAWN r— 1 r 8 f 28 3�r—r 2 r—r— FILE CLOSE FOR �� 13 I 1 F INCOMPLETENESS I . CA/Orange /0888.02 r 44 80 LOAN ORIGINATED 18 47 102 —r 4 r 7 r—r—_ APPROVED, NOT ACCEPTED r 1 r— 3 16 r— 3 r--r I r—r-- APP DENIED r 2F--8 26 r 7 r—r 4 r—r— • APP WITHDRAWN FI 17 F 22 r 1 r—r— _7[ FILE CLOSE FOR F , ���7- INCOMPLETENESS � ` � ' I - CA/Orange /0889.01 52 82 LOAN ORIGINATED 10 59 F 115 r— 6 r— 1 r— 9 r—r-- APPROVED, NOT ACCEPTED F—I r— 7 14 r 2 r—f 2 r�r— APP DENIED r—r 9 21 r 2 — 2 r—r-- APP WITHDRAWN r 2 r— 9 F 1 23 r 2 I r 2 r—r— FILE CLOSE FOR INCOMPLETENESS F T CA/Orange /0889.02 57' 79 LOAN ORIGINATED 10 44 161 r— 8 r—_r— Sr-r-- APPROVED, NOT ACCEPTED r— 1 r— 3 14 ( 5 r-7-1 —,r— APP DENIED r-1 r— 8 22 r— 7 r--r— 1 r—F— APP WITHDRAWN r--r— 6• 16 r 3 r—r—r—r-- FILE CLOSE FOR �F72���7. INCOMPLETENESS CA/Orange /0889.03 68: 78 LOAN ORIGINATED F 19 72 F 173 11 I 0 APPROVED, NOT ACCEPTED r--r— 9 38 r 4r—r—rir— APP DENIED r 3 13 31 r— 8—r--r—r— 7 of 8 5/12/00 8:07 PM FFiEC HMDA AGGREGATE REPORTS http://www.Mcc.gov/cgi•bin/pbisa6O.dil...range &as table=l&as_page=N81&as_paml APP WITHDRAWN I 21 71 271 I 1 I 33 FILE CLOSE FOR INCOMPLETEN SS F3 to -F-F- F l �� • E 8 of8 5/12/00 8:07 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mec.gov/cgi-bin/pbisa6O.dil...mnge &as table=l&as vage=N91&as—Parr-1 • C� • Iof8 AGGREGATE TABLE-1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 1998 MSA:5945 -- ORANGE COUNTY, CA Page:91-100 of 122 Number of Loans CENSUS TRACT OR COUNTY Loans On 1-TO-4 NAME lHome Purchase Loans AND D[SPOSTION OF FAA, APPLICATION FSA/RHS Conven- (STATE/COUNTY/TRACT & VA tional NUMBER)-L I A I B I Family Dwellings Loans On Dwellings for 5 or More Families Non - occupant Loans on 1-TO-4 Family % Min Pop � Median Income as PCT 0[ MSA Median FRorn- ing Home Improve- ment Loans ` I D F E I ° CA/Orange /0889.04 571 89 LOAN ORIGINATED 51 153 ��— 10 �� APPROVED,N0 ACCEPTED —f 7 24 2F—FF-F— APP DENIED 1 1 I1 44 F-4 r—F 2 [-F— — APP APP WITHDRAWN �� 33 ���r 3 [—F NESS F 13 I 2 F CA/Orange /0889.05 58 F 73 LOAN ORIGINATED r 5 54 108 23 f I lb �r— APPROVED, NOT ACCEPTED F SF-7 2 F—[ 2 F—r— APP DENIED I F 5 37 F r 1 F 3 F APP WITHDRAWN [--F-6 22 F--F—F-r— INCOMPLETENE S F T F CA/Orange /0890.01 77` 79 LOAN ORIGINATED 17 5017 89 F 13 FI 13 F APPROVED, NOT ACCEPTED i 1 18 �[—F-2F—F— APP DENIED F--4 29 43 r 6 F—F-4F—r— —F—F-- APP WITHDRAWN F--1 F-5 26F IF 1 F FILE CLOSE FOR INCOMPLETENESS F— , I- � ' � , � ����� I - CA/Orange /0890.02 69 73 LOAN ORIGINATED F 55 F 60 117 20 F 3 17 f APPROVED, NOT ACCEPTED r 6 10 20 3—F73 �F— APP DENIED F9 F 35 49 15 F I F4 [ APP WITHDRAWN FILE CLOSE FOR INCOMPLETEN SS F7 7 IF 9 IF 36 7 1 F r—F-5F—F— T CA/Orange /0891.01 57. • 79 LOAN ORIGINATED 34 49 180' 11 1 171I APPROVED, NOT ACCEPTED F 1 F 6 361 617 [-F— APP DENIED r 5 15 56 F 9—� b �� FFIEC HMDA AGGREGATE REPORTS httpl/www.Mec.gov/cgi•bin/pbisa6O.dil...range &as_table=l&as_page=N91&as_part=l • • • 2 of 8 APP WITHDRAWN—F 2 F6 38 F I F f 3 [— INCOMPLETENESS F l0I I �� FILE CLOSE FOR -F FCA/Orange /0891.02 1 551 F— I 78 LOAN ORIGINATED 36 32 91 12 FF 8 F APPROVED, NOT ACCEPTED F 1 F 4 18 IF f 4 APP DENIED F 6 F9 21 10 r �[,r— APP WITHDRAWN CLOSE FOR INCOMPLETENESS FF F 3 22 15 �FFFILE I t —���� FI 2 �� CA/Orange /0891.04 82 53 LOAN ORIGINATED 12 F 19 Fr2 I 6 I APPROVED, NOT ACCEPTED F—F 3 F 9F—[—F—F—f APP DENIED 11 F 4 F 2 ����- APP WITHDRAWN F—F-2F— 3 F—F—F—1 r� INCOMPLEOTE ESS �������� CA/Orange /0891.05 F 95 52 LOAN ORIGINATED 12 • 31 I 4 I 10 �� APPROVED, NOT ACCEPTED F I�r ��F—F — APP DENIED � 12 13 r 2 F 5 �� APP WITHDRAWN F—lr 2 Fr 1 F—[Fr FILE IINCOMPLEOSE FOR T NESS ������ CA/Orange /0992.01 76.F 60 LOAN ORIGINATED 27 46 97 27 �— 14 �� APPROVED, NOT ACCEPTED FI 14 18 F -F—F-6F—F— APP DENIED F6 37 38 F f 1 8 APP WITHDRAWN I ' 10 30 �—F--F 4F� INCOMPLETENESS F CA/Orange /0992.02 I 6`' 81 LOAN ORIGINATED r 29 46 144 11 F 13 1—F— APPROVED, NOT ACCEPTED 11. 18 F 5 �F�� APP DENIED F--2 F 23 F 45 F 9 F l -r 31 APP WITHDRAWN rF 8 41 ram_ IF 5 fFILE � CLOSE FOR INCOMPLETENESS F l0l Z �I 3 CA/Orange /0992.03 51. 98 LOAN ORIGINATED F 9 71 180 ���F—F— APPROVED, NOT ACCEPTED �r 3 22 2.1, -.- r IF FFIEC HMDA AGGREGATE REPORTS httpJ/www.ffiec.gov/cgi•bin/pbisa60.dll...range &as_table=l&as_page=N91&asyart-1 • • APP DENIED APP DENIED � 12 40 f S I� 1 � It YO��� I��— ��— APPWITNDRAWN APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS INCOMPLETENESS � l � 9 2(��—�—�r— �� 21����� CMOMge I0992.09 CA/Onnge /0992.04 35 35 104 104 LOAN OW6MATED LOAN ORIGINATED � S] I Y 57 140�� 140 ��— 13 �3�� �� MPROVED,NOT ACCEPTED APPROVED,NOT ACCEPTED �� ] �� 9 Ur 3����— 13r 3���� APPDENIED APP DENIED �r 9 ����� 31���r 3t ��—r 6 6��— �� APPWRHDMWN APP WITHDRAWN FILE CLOSE FOR MCOMPLEiENES INCOMPLETENESS I 'I ° �� � .•� ������ �������� 20 � 1 ��I •���� �—r—�� CAIO�enge I0991.12 CA/Onnge /0992.12 29 29 BI 81 LOAN ORIGINATED LOAN ORIGINATED 20 SS 135I 6�l 20 55 135 ��Z 24 �i�� �� APPROVED, ACCEPTED APPROVED, NOT ACCEPTED �� IS ���—��� �r 2 15 � 1 �—��r— APP DENIED APPDENIED � I 10 29 � 4 �r �� i�— �0�� 4���� 3 ��— MP WITHDRAWN APP WITHDRAWN IFILE CLOSE PoS INCOMPLEOTENESS NCOMPLETENESS �� 5 19 I 'I ' 19����� �������� � '� �������� ���-�� CNOrsnBe I0992.0 CA/Onnge /0992.14 16 16 91 91 LOAN OIUGRIATEO � LOAN ORIGINATED � 4 51 153 �r 52 153 �� 1 1 11 ❑�� �� APPROVED, NOT ACCEPTED �� APPROVED, NOT ACCEPTED �� 10 � 1 10 ��—��� �—��� APP DENIED APP DENIED � ��� 13 12 33������� 32 ��� 3 ��— APP WITHDRAWN APP WITHDMWN IFILE PoS FILE CLOSE FOR INCOMPLETENESS NCOMPLETENESS I ' �� �— �� 5 21 � 1 I �� I ' i 1 ������� �—��� �I ' �� CMO`u�ge I0993.15 CA/Onnge /0992.15 24 r 95 95 LOAN ORIOMATED LOAN ORIGINATED 4lr d9 286 16 47 89 286 14 �_ �- 19 19�� �� APPROVED, NOT ACCEPTED APPROVED, NOT ACCEPTED �� D��� �� 27 ��� 1 1�� �r— APP DENIED APP DENIED r 1 15 ��r—r ���� IS���-�r� 5 5—�� �� MP WRHDMWN I APP WITHDRAWN IFILE CLOSE FOR INCOMPLEOTENESS NCOMPLETENESS �� 'I �����I �� 7 � �� 5(r S11 20 3 '�I� ����� �—� I '�� �� �� CA/Onnge /W93.16 CA/Onnge /0992.16 22 22 103 102 LOAN ORIGINATED LOAN ORIGINATED APPROVED, APPROVED, NOT ACCEPTED 11 ❑� � � 94 217 21]��— 11 26 11����0�� f 6 �— �—�� 11 .i��� 4 �� ��— APP DENIED APP DENIED APP WITHDRAWN APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS C np8p pgqS.i] CA/Onnge /0992.17 LOAN ORIGINATED LOAN � 12 38 ���—�� � 1 12 38 ��—�—�� � I 18 43 �r—� 4 � 1 IB N��—��r� �� 11 ����� �� ����I I. � 9 52 158 ��—� b �] 52 I58��—�b�� �� .� 12. 12. �� 153 IS) 3 of8 5/12100 8:09 PM FFIEC HMDA AGGREGATE REPORTS http://www.friiec.gov/cgi•bin/pbisa6O.dil...range &as table=l&as_page=N91&az_part=l 0 • APPROVED, NOT ACCEPTED I I I 41 191 2 APP DENIED F—F4 20 F 2 F APP WITHDRAWN r 12I IF FILE CLOSE FOR INCOMPLETENESS 4����� CA/Orange /0992.20 13 005 LOAN ORIGINATED r 8 78 205 F Sr 12 F APPROVED, NOT ACCEPTED F—r 9 27 ���3 ��— APP DENIED I 21 29 4 F—F 5 F-F— APP WITHDRAWN 7 24���—�� FILE CLOSE FOR INCOMPLETENESS I /I I - FF CA/Orange /0992.22 33 r 100 LOAN ORIGINATED 8 63 129 F 4 F 3 ��_ APPROVED, NOT ACCEPTED �— 14 17 I �r 4 F-F— APP DENIED � 1 15 28 F 6 r—��� APP WITHDRAWN F--F--8 18 F—r—r Z F—F— FILE CLOSE FOR INCOMPLETEN SS CA/Orange /0992.23 32 87 LOAN ORIGINATED r 1 F 47 F 02 F 5 r—F7 5 717— APPROVED, NOT ACCEPTED F—18 14 1 F . 1 F APP DENIED F--[— 8 20 r—F--F-1 F—F— APP WITHDRAWN r—F 2' 12 F 3 F—F—[ F— 1 FILE CLOSE FOR INCOMPLETENESS F F-1 F-5 F-1—��� CA/Orange /0992.24 30 135 LOAN ORIGINATED F-- 86 146 11 r77�r 5 F—r— APPROVED, NOT ACCEPTED F 16 15 ���—F APP DENIED F-- 44 F 19 F 3 .. F 2 [ APP WITHDRAWN — 20 22 F—1 1 1 F—r— FILE CLOSE FOR INCOMPLETENESS I — �F— F _ /0992.25 30• 30,F-CA/Orange 129 LOAN ORIGINATED �— 64 149 7—� 4 ��- APPROVED, NOT ACCEPTED —� 6 16 F 1 T- — F APP DENIED —� F-6 31 9—� APP WITHDRAWN F--F 9 • 17 � 1 � . -1 ._�— • 717— FILE CLOSE FOR INCOMPLETENESS �F � �� _ 34 145 CA/Orange 10992.26 4 of 8 5/12100 8:09 PM FFIEC HMDA AGGREGATE REPORTS http9/www.Mec.gov/cgi-bin/pbisa6O.dll...range &as table=l&as paRe=N91&as—Parrl r� 9 r LOAN ORIGINATED I I 751 1671 111 I 8 APPROVED, NOT ACCEPTED F—F 9 15 2 —�—�F— APP DENIED F--- 13 40 F 8 F 1 F 2 F APP WITHDRAWN r� 31 Ij��—' INCOMPLETENESS F 19I �����i 1 �I 1 �I CA/Orange /0992.27 41 92 LOAN ORIGINATED 14 77 190 10 15 �� APPROVED, NOT ACCEPTED F—F-9 16 F-2F—r 3 f� APP DENIED FF 6 33 F 9 F 2 APP WITHDRAWN FILE CLOSE FOR INCOMPLE ENESS t 13 �����I 31 F 2 F �� CA/Orange /0992.28 29 94 LOAN ORIGINATED 69 205 12 3��— APPROVED, NOT ACCEPTED 11 24 F-5 f—F 3F� APP DENIED � 23 31 I ' F F—F— APP WITHDRAWN F—I INCOMPLETEN FILE CLOSE FOR SS F ° 1 35I 9 6F F �' "�Ir 7— — CA/Orange /0992.29 25' 111 LOAN ORIGINATED 17 81 222 F� 22 �� APPROVED, NOT ACCEPTED f—r 9 F 30 F�—��� APP DENIED I APP WITHDRAWN FILE CLOSE FOR IINCOMPLET NESS CA/Orange /0992.30 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS CA/Orange /0992.31 LOAN ORIGINATED APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN FILE CLOSE FOR IINCOMPL TENESS 16 36 F 3[---F-2F—F— I 12 36 �r F3 F 1 F F 11 75 224 13 F F 13 �—� 8 12 F-4F—F— 1 1 11 30 3 F---F-2Fr— �— 11 22 F-r--F-2 �I— , I ��F��� � ' . I - 1 I51 302 12 10 F— IS 17 F— 10 30 4 FF 5 F— 31 27 r 2'F--4 �������� F 17 F� 1—F— F 21 FF— F—r— f-F— r —F— 114 F— 146 5 of 8 5/12/00 8:09 PM FFIEC HMDA AGGREGATE REPORTS http://www.Riec.gov/cgi=bin/pbisa6O.dll...range&as_table=l&as_page=N9l&as_pur--I CA/Orange /0992.32 I I 221 • 129 LOAN ORIGINATED � 121 285 121 16 f�— APPROVED, NOT ACCEPTED F— 17 27 r 3 F� I �� APP DENIED � 39 39 ��—��� APP WITHDRAWN CLOSE FOR INCOMPLETENESS F—F 6 F 5 34 �FILE liF—F—1 F 3I CA/Orange /0992.33 26 123 LOAN LOAN ORIGINATED � 39 143 10 �r 8 [—I — NOT ACCEPTED �� 18 2�—r 1 ��— APP DENIED �� 13 ����� APP WITHDRAWN CLOSE FOR INCOMPLETENESS �f �� 2 20 12 I��j���—FILE F��I CA/Orange /0992.34 30 110 LOAN ORIGINATED F—I 53 159 � F 9�� APPROVED, NOT ACCEPTED F—F-5 18 r 3 ��F� APP DENIED F-- 10 30 r 9 F---F—[—F— APP APP WITHDRAWN �—� ���� 15 ��l F��� `�I I— CA/Orange /0992.35 18 84 LOAN ORIGINATED I ' 83 142 IF r 5 � 1 26 —F—_ APPROVED, NOT ACCEPTED � 11 15 ���F� APP DENIED � F 9 35 F 3 � F 3 ��- APP WITHDRAWN FILE CLOSE FOR 1INCOMPLETENESS r—r ���F���� 5 26 �7—F---4 F—F— CA/Orange /0992.37 I8. 110 LOAN ORIGINATED f ' 109 223 13 � 17 �I — APPROVED, NOT ACCEPTED � 15 20 � 2 �F 2 F�— APP DENIED F— 30 60 r 2 F---F 8 F—F— APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS � �� � 10 , " 41 ������ �F—r 1 1—F— CA/Orange /0992.38 22' 148 LOAN ORIGINATED I APPROVED, NOT ACCEPTED APPDENIED APP WITHDRAWN — 75 242 15 F--TF-7F—F— —r 1 20 -- 4 F--_�F—'r— 6• 21 F 4 F_2F�— 6 30 �r—���- 6 ors 5/12/00 8:09 PM FFIEC HMDA AGGREGATE REPORTS httpJ/www.fFiiec.gov/cgi-bWpbisa6O.dil...range &as—table=l&as_page=N91&as_part=l FILE CLOSE FOR I 51 1I INCOMPLETENESS • CA/Orange /0992.39 19 125 LOAN ORIGINATED 1 73 239 10 � 12 F—F— APPROVED,NOTACCEPTED F 22 1 ��—�� APP DENIED F—F— 5 46 F-4 F—F APP WITHDRAWN 12 32 f 2 r 2 2 �� F CLOSE FOR FFILE 16I 11 ��� INCOMPLETENESS CA/Orange /0992.40 f 13 123 LOAN ORIGINATED r 2 73 219 14 ���� APPROVED, NOT ACCEPTED r 1 r 3 22 r r 1 f I F-F— APP DENIED �� 9 45 4 F—��� APP WITHDRAWN F— 12 25 F 1 F—F 22 F-1— FILE CLOSE FOR INCOMPLETENESS F F 12I 2 �I I �� CA/Orange /0992.41 27 102 LOAN ORIGINATED 37 126 �'F 6,F APPROVED, NOT ACCEPTED F-f11 12����r— APP DENIED �I 26 r 1 F 1 F • APP WITHDRAWN —F-9. 22 F F —F 2 f�— INCOMPLET FILE CLOSE NESS ��.F 8 F CA/Orange /0992.42 31 1 22 LOAN ORIGINATED I 45 143 F 6 F 1 17 F APPROVED, NOT ACCEPTED F—r 5 19 F-lF 2 F APP DENIED F 2 12 46 1 F— I1 F—F— APP WITHDRAWN �r 6 42 F�—r 3 �� FILE CLOSE FOR INCOMPLETENESS —� � , "I �����- I _ CA/Orange /0992.43 15 226 LOAN ORIGINATED I 102 220 12 1 12 �r— APPROVED, NOT ACCEPTED F--, 15 F 30 F 1 F APP DENIED F 3 23 55 11 ���(— 7— APP WITHDRAWN F- 14 48 FFr2 FI — FILE CLOSE FOR INCOMPLETENESS -F F 111 —F-1— CA/Omnge /0992.44 F.9. 110 LOAN ORIGINATED r— 100 9 �— 777 APPROVED, NOT ACCEPTED —194 F F Y; 21 1 -F APP DENIED F—F— 8' 37 F IF _F-1—F— 7 of8 5/12/00 8:09 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mec.gov/cgi•bin/pbisa6O.dil...range &as_table=1&as_page=N91&as_pen=l • • 0 8of8 APP WITHDRAWN I I 61 271 1 I I 3 FILE CLOSE FOR INCOMPLET ENESS r������I FFIEC HMDA AGGREGATE REPORTS hnpJ/www.Mec.gov/cgi-biWpbisa6O.dll...ange &as_mble=l&as_page=NI01&as_parr-I AGGREGATE TABLE-1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 1998 • MSA:5945 — ORANGE COUNTY, CA 0 Page:101-110 of122 Number of Loans Loans On 1-TO-4 Family Dwellings Loans On Non- CENSUS TRACT OR COUNTY NAME Home Purchase Loans Dwellings occupant % Median Income Home AND DISPOSTION OF FHA, APPLICATION FSA/RHS Conven- fin- ncing [Re Improve-for5orLoans meat More on 1-TO Min Pop as PCT of (STATE/COUNTY/TRACT & VA tional Loans Families Family 3 MSA NUMBER)-L ram( I " I D n•' I ` (1-"'—� I " ` I Median CA/Orange /0992.45 20 136 LOAN ORIGINATED 2 72 172 �F—FF-F— APPROVED, NOT ACCEPTED � � 23 F I F APP DENIED [--F 9 53 F---s F—F—F-F— APP WITHDRAWN F—F 8 33 F IF —��—��— FILE CLOSE FOR INCOMPLETENE S -F F F 1T�I I �� CA/Orange /0992.46 26 131 LOAN ORIGINATED f 2 64 F 200 F 121 12 717— APPROVED, NOT ACCEPTED 10 19 ��—�—�F. APP DENIED —F-8 52 r 4 F—r 3 F-F— APP WITHDRAWN F--F--g 27 F ` F—F-- INCOMPLETENESS FILE CLOSE FOR �������� CA/Orange /0993.02 12 105 LOAN ORIGINATED - 5 323 365 17 r 5 46 F APPROVED, NOT ACCEPTED 53 48 f 2 11 APP DENIED I I 62 F 89 F71 1 24 APP WITHDRAWN r 1 51 66 F-7 F I 17 F FILE CLOSE FOR �� 27I t ��— INCOMPLETENESS I CA/Orange /0993.05 L - F 27 78 LOAN ORIGINATED F-81 262 144 4 4 36 F �— APPROVED, NOT ACCEPTED 21 58 18 F 1—F 5 [—F— APP DENIED I 57 23 F 61 F 3 F APP WITHDRAWN FI 46 20 F 2 —�— FILE CLOSE FOR 17 13 F 1 INCOMPLETENESS F CA/Orange /0993.06 92 LOAN ORIGINATED 16 121 268 F 2 2 r 361. F APPROVED, NOT ACCEPTED �— 18 33 I APP DENIED � 2 20 59 �—�—�5 ��— I of 8 5112/00 8:10 PM FFIEC HMDA AGGREGATE REPORTS hnp://www.Mcc.gov/cgi-bin/pbisa60.dil...ange &as_table=l&as_page=N101&as_parnl • 0 APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS ��I 12 i9 F 3 F—F 5 Ij— F CA/Orange /0993.07 13 85 LOAN ORIGINATED 55 r 72 FF i 11 APPROVED, NOT ACCEPTED �— 10 10 r—r—F Z ��— APP DENIED F-- l I 10 F— 4 F-- F— F—F-- APP WITHDRAWN —F 5 10---F-1-7 FILE CLOSE FOR INCOMPLETENESS I�F , F�� I F I - CA/Orange /0993.08 1 13 F 195 LOAN ORIGINATED 119 297 11 F— 12 r-r- APPROVED,NOTACCEPTED— 46 F 46FF—�—��— APP DENIED F— 35 53 r 5 F 4 F�— APP WITHDRAWN r-1 56 47 r— '1 F--F--, F—F— FILE CLOSE FOR �r 10INCOMPLETENESS CA/Orange /0993.09 1 —1oF 128 LOAN ORIGINATED 12 232 269 17 r-1 20 APPROVED, NOT NOT ACCEPTED r-1 39 F 30 10'F 1 r— 5 r—r— APP DENIED F—I 41 76 r 3 r--r— 5 F-F— APP WITHDRAWN — r2 39 441 4 r--r— 5 �F— FILE CLOSE FOR INCOMPLETENESS F 16 ����� 1 CA/Orange /0994.02 LOAN ORIGINATED _ __ r— 5 52 4l 10 r— 6 18 APPROVED, NOT NOT ACCEPTED f I 14 r— 5 r•—r--r 6 -- -F— APP DENIED r-- 19 13 F 5 ram— APP WITHDRAWN fir--� �7 r--r— 6 F 9 r�2 3 I . ` l INCOMPLETENE S �F I —�FF IF 144 123 CA/Orange 10994.04 LOAN ORIGINATED r-- 114 234-F 7r-- APPROVED, NOT ACCEPTED — 12 F 19r-2rF__ APP DENIED r-- 18 27 r— 1 F—r— , 4 F—F— APP WITHDRAWN r_— l7 31 F 3I r--r� 1 ��- CLOSE FOR INCOMPLETENESS —FFILE f CA/Orange /0994.05 LOAN ORIGINATED r— 7 57 166 III 8 �F— APPROVED, NOT ACCEPTED F— 13 21 r• 1 F 3 ��- 2of8 5112/00 8:10 PM FFIEC HMDA AGGREGATE REPORTS httpJ/www.Mcc.gov/cgi-binipbisa6O.dll...ange &as_table=t&as_page=NIOl&as_part=1 • • • APP DENIED `----- r— I 19 32 F 5 F 3 �� APP WITHDRAWN 110 18FILE CLOSE FOR INCOMPLETENESS -F-1 F l r r I r�i CA/Orange /0994.06 19 121 LOAN ORIGINATED 70 193 r 6 —F-8 f r— APPROVED, NOT ACCEPTED r 9 22 � 1 F-F— APP DENIED F—F 7 —F 26 �f� 1 �r— APP WITHDRAWN I — I1 28 2 f IF—�r— INCOMPLEFILEOTE ESS CA/Orange /0994.07 r 12 105 LOAN ORIGINATED I ' 39 F 126 FF 1 F 4 F 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APPROVED,N APP DENIED APP WITHDRA FILE CLOSE F( INCOMPLETENE CA/Orange /0999, LOAN ORIGIN APPROVED,N APP DENIED Page:111-120 of122 k„T h.O !,r r hOMQ FFIEC HMDA AGGREGATE REPORTS http://www.fec.gov/Cgi•bin/pbisa60.dil...ange &as_table=I&as_page=Nl l l&as_parc=1 • 2 or8 APP WITHDRAWN I FILE CLOSE FOR INCOMPLETENESS FI �—������ 14 32 r 2 F—F-21� CA/Orange /1100.OI 18 102 LOAN ORIGINATED 8 84 205 12 F— 13 F-F— APPROVED, NOT ACCEPTED �f 9 19 ��—��� —r—r-f— APP DENIED F—F 6 35F APP WITHDRAWN F—r 8 19 3�—��� INFILE CLOSE FOR -F-1 7 I [—F—F—F—F— CA/Orange /1100.03 20 109 LOAN ORIGINATED 10 56 158 13 F 4 F—F— APPROVED, NOT ACCEPTED �F 4 10� 1��1-F— APP DENIED F 3 12 35 r 1 F —�—�r— Z �F— APP WITHDRAWN �� 19 F 1 CLOSE FILE IRJCOMPLETEN SS 6 F���� CA/Orange /1100.04 16 F 122 LOAN ORIGINATED 18 123 229 10 �2 17 f F_ APPROVED, NOT ACCEPTED �� 21 f 4 r—r IF F— APP DENIED � 14 34 F�—���— APP WITHDRAWN CLOSE FOR INCOMPLE EN SS — ���� 1 24 F 1 F—F-1-FILE Ij— 1- CA/Orange /1100.05 13 119 — LOAN ORIGINATED F2 67 165 10I 13 I I APPROVED, NOT ACCEPTED ��5 18 F 2 F 3 F�_ APP DENIED F—I3 23 f 5 F — F APP WITHDRAWN FILE CLOSE INCOMPLETTENESSESS —I ���F���� 3 16 r—rF—F—F— CA/Orange /I100.06 6F 156 LOAN ORIGINATED I 61 168 F— 8 F--F 5 F—F— APPROVED, NOT ACCEPTED F—F 6 13 F—F—[—[ F— APP DENIED F--F--g 14 F— 1 F—F—F—F— APP WITHDRAWN r—F2 24 F-7 1 F—F—F FILE CLOSE FOR INCOMPLETEN SS �I F 8 F—F CA/Orange /1100.07 111 141 LOAN ORIGINATED 5 75 266 101. 1 i l �� APPROVED, NOT ACCEPTED F 25 F FFIEC HMDA AGGREGATE REPORTS httplAv,%kw.Mec.gov/cgi•bin/pbisa60.dll...ange &as_table=l&as_page=Nll l&asyarnt APP DENIED �— 11 32 F 6 F APP WITHDRAWN FILE CLOSE FOR INCOMPLETENESS F— 1 �������— F-6' 39 r 1 F—F 4F—F— CA/Orange /1100.08 711F 121 LOAN ORIGINATED 14 74 196 13 F 1 I I [ APPROVED, NOT ACCEPTED F 3 13 12 FF—F 6 F—F— APP DENIED F 3 F9 39 ��F 2 f- f— APP WITHDRAWN CLOSE FOR INCOMPLETENESS I ' -F F 12 37 !0I F j��2 FFILE 4 �� CA/Orange /1100.10 35 F 118 LOAN ORIGINATED r 2 87 218r��f-f— APPROVED, NOT ACCEPTED �F 8 15 —F ��� APP DENIED F—f 49 5 [—�—��— APP WITHDRAWN FILE CLOSE FOR. 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CA/Orange /1101.04 29 108 LOAN ORIGINATED F— 6 88 164 14 F—F— $ 7 F— APPROVED, NOT ACCEPTED �—F-f 1 L IS 2 F I 3 F APP DENIED I 24 43 10 —F 3 F APP WITHDRAWN 2 F 9 F 337 IF INFOR COMPLE ENESS F F /1101.06 24 101 CA/Orange LOAN ORIGINATED 20 68 143 t �— 16 APPROVED, NOT ACCEPTED I 10 —9 F- 3 F—F4 — [- (— F— APP DENIED �— 14 36 F 6 F—��� APP WITHDRAWN F--1 F 5 23 F 1 7-1 F—F— FILE CLOSE FOR INCOMPLETENESS , ��I - � I " ����� /1101.08 F-29--F 100 • CA/Orange LOAN ORIGINATED -F—F-1-F— 1 29 57 APPROVED, NOT ACCEPTED F r—F 3 2—F�—� �� APP DENIED —1 F 5 20 F1 F 1 F ` f APP WITHDRAWN �—� 6 F—g F F—I ` F—F— FILECLOSEFOR INCOMPLETENESS I - �������� CA/Orange /1101.09 LOAN ORIGINATED 8 F 76 144 5 F $ F— I APPROVED, NOT ACCEPTED —r G F7 13 r—F—F—F—F- APP DENIED F T G 35 r 61 F -- 2 F F APP WITHDRAWN 27 1 F ' F1 21 F Tr— FILECL TE ESS INCOMPLETENESS , ����� 1 _I _ !! 35• 82 CA/Orange /1101.10 LOAN ORIGINATED 11 43 118 _ 14 1 13 �— APPROVED, NOT ACCEPTED —� 2 26 _ 6 F. ` 17— APP DENIED 3 12 28 14 _F 6 APP WITHDRAWN 2 l l f- 2�5 F- 7—i �- INCOMPLETENE S FILE CLOSE FOR F F� I _ - — 30 104 CA/Orange /1101.11 4 of g 5/12/00 8:12 PM FFIEC HMDA AGGREGATE REPORTS hnp://www.Mcc.gov/cgi-bin/pbisa6O.dll...ange &as_mble=l&as_page=Nl l l&ac_peml P C, J • 3 of 8 LOAN ORIGINATED I 131 721 1641 181 11 8 APPROVED, NOT ACCEPTED -F5 25 4 F I I 3 r — APP DENIED 10 40 12 F—F— 3 Fr— APP WITHDRAWN r2 (0 27 F —7-2FILE �—��� CLOSE FOR INCOMPLETENESS F�5����� CA/Orange /1101.12F— f 22 105 LOAN ORIGINATED 4 106 324 r 6—F1—F— APPROVED, NOT ACCEPTED F2 26 21 F 2 F 54 APP DENIED �f— 57 11F—fF- APP WITHDRAWN F— 12 f 35 F F 2 F—f— F 7 F���� INCOMPLETENESS 1 CA/Orange 1110 1. 13 36 113 LOAN ORIGINATED r 3 28 105 8 1 f 3 F APPROVED,NOTACCEPTED ����r—�—�F APP DENIED I ` I 29 F 5 F—�F— APP WITHDRAWN F—r 5 18 � —��� FILE CLOSE FOR ������7— 1INCOMPLETEN SS CA/Orange /IIU1.14 29 F 109 LOAN ORIGINATED 14 66 204 14 F—F— 8 1—F— APPROVED, NOT ACCEPTED � � 3 15 �— —F APP DENIED �F 6 57 F 9 F 1 F� APP WITHDRAWN �� 4 38 ��I—� F 4 �F FILE CLOSE FOR F 11 1 �f 1 �� INCOMPLETENESS I - I CA/Orange /1101.15 F 50 111 LOAN ORIGINATED F-- 58 129 r 7 1--F- - 7F F APPROVED, NOT ACCEPTED �F 2 16 7 F _ APP DENIED r 1 6 F 31 F 11 r—r 4 F� —F APP WITHDRAWN r 1 F3 27 F 3 2 F�- FILECLOSE E- INCOMPLETENESS I '�- CA/Orange f 54' 113' LOAN ORIGINATED F-- 95•IF 184 11 �-� 7 f.F APPROVED, NOT ACCEPTED F 1 F 9 101 3—F—F—F— APP DENIED F— 12 F 34 3 F r 2 APP WITHDRAWN F-1 24 F. 3 r—F—FI FILE CLOSE FOR F F ���� INCOMPLETENE S FFIEC HMDA AGGREGATE REPORTS httpJ/www.Moc.gov/cgi-bin/pbisa6O.dll...ange &as_table=l&as_page=Nl I l&as_part=l • • ICA/Orange /1102.01 LOAN ORIGINATED I 32 F 134 156 23 F 4 17 I 33I F 92 APPROVED, NOT ACCEPTED I 17 25 F� 1 F 2 f APP DENIED 3 24 57 26—F 5 F—F— APP WITHDRAWN I 23 F 39 IF ZFILE CLOSE FOR 3 INCOMPLET NESS F 1 F F ��� CA/Orange /1102.02 31 F 78 -F ILOAN ORIGINATED 10 55 75 12 F I F 6 F APPROVED, NOTACCEPTED rF 6 15 4 —� 3[-� APP DENIED F—� 19 16 F—���_ APP WITHDRAWN F—r 6 F LO F�—��� INFILE CLOSE FOR COMPLETENESS ���F Ij— CA/Orange /1102.03 28 92 LOAN ORIGINATED F 27 46 F 137 11 ( 1 14 f APPROVED, NOT ACCEPTED FFFF 3 F—F 3 Ff— APP DENIED F 5 F 6 31 FF—F 1 F—F— APP WITHDRAWN F 3 � 4 27 �F—� 3 �� INFILE CLOSE FOR COMPLETENESS F F—F 27— /1103.01 39 90 CA/Orange LOAN ORIGINATED 17 F 47 F 173 7 21 F— 14 F�— APPROVED, NOT ACCEPTED ]0' 25 F 27 APP DENIED F 2 8 54 F 7 F ��_ APP WITHDRAWN , r 2 F 7 34 rF-2 r IF 1 FILE 1��— CLSE FOR INCOMPLEOT NESS F l0l 1 �F F /1103.02 46 F 87 CA/Orange LOAN ORIGINATED 23 44 132 9 1— 11 F� APPROVED, NOT ACCEPTED 3 3 17 1 F-3 F � APP DENIED 1 55 14 —F F APP WITHDRAWN �1 2 $ 39 F 2 F FILE CLOSE FOR INCOMPLETENESS �I 12 F 3-� 32 99 CA/Orange /1103.03 LOAN ORIGINATED _ 19 86 124 14—�� 4 F[— APPROVED, NOT ACCEPTED —� 17 , 5 -1 I FT APP DENIED �4 25 ��— APP WITHDRAWN j _ 18 39 F I F77=r 6 or 8 5/12/00 8:12 PM FFIEC HMDA AGGREGATE REPORTS httpJ/www.ffiec.gov/cgi•bin/pbisa6O.dll...ange &as_table=l&as_page=N111&as_parr—I • • 0 FILE CLOSE FOR INCOMPLETENESS 2 2 12 1 1 1 CA/Orange /1103.04 39 97 LOAN ORIGINATED 10 43 170 22 �—r 9 F-r— APPROVED, NOTACCEPTED 4 28 4 �—�F—r— APP DENIED r 1 12 45 F 8 F 3 �� APP WITHDRAWN �� 29 r 3 F 4 F� CLOSE FOR �� 13FILE F F���� INCOMPLETENESS CA/Orange /1104.01 34 F 91 LOAN ORIGINATED 30 30 138 15 I ` I ' f-F— APPROVED, NOT ACCEPTED F 3 23 F 6 F--F F-F- APP DENIED I 3 I 41 13 l F—F I F—F— APT WITHDRAWN FF 7 33 F I F 3 ��— FILE CLOSE FOR INCOMPLETENESS F 16 7 lttllt CA/Orange /1104.02 47 83 LOAN ORIGINATED 17 25 88 F F 1 11 F APPROVED, NOT ACCEPTED F 1� 15 r 2 F—F 3 [-f— APP DENIED r 3 F5 22 13 r—F 3 —F APP WITHDRAWN rF 3 17 F-2 rr 2FILE CLOSE FOR 1NCOMPLE ENESS -F-F F 3 F—F—F-17— CA/Orange /1105.00 55 62 LOAN ORIGINATED 36 52 F 69 16 r 5 r 4 r APPROVED, NOT ACCEPTED 1 11 I4 F-5 F -3 APP DENIED f 4 F 9 31 9 F—F 3 F-F— F APT WITHDRAWN r 8 14 16 F 3 F—F 4 F—F— INCOMPLETEN SS �FILE CLOSE FOR ������ CA/Orange /1106.01 F 52 F 73 LOAN ORIGINATED 25 67 i l l 22 F 5 F 8 F APPROVED, NOT ACCEPTED �—F3 15 F5—r 4 APP DENIED F4 F 17 45 17 F 5 F�— APP WITHDRAWN r5 F g 27 2� 1-F � INCOMPLEEN SS FILE CLOSE FOR ���� I [ CA/Orange /1106.03 __ __ 54 61 LOAN ORIGINATED 21 19 54 14 F 4•F 9 Ff APPROVED, NOT ACCEPTED 21 4 16 F 2 F 2 ��_ APP DENIED 12. 36 16 F 2 F 9 F �- 7 of B 5/12/00 8:12 PM FFIEC HMDA AGGREGATE REPORTS http://www.Mcc.gov/cgi•bitVpbisa6O.dll...ange &as_table=l&as_pagc=N( I I&as_pert=1 • • • APP WITHDRAWN I 31 21 111 1 I 21 FILE CLOSE FOR INCOMPLETEN SS ��F 7 F 1���� 8of8 5/12/00 8:12 PM FFIEC HMDA AGGREGATE REPORTS http:Nwww.fliec.govlcgi•bin/pbisa60.dll... ange &as_table=l&as_page=N121&as_parnl AGGREGATE TABLE-1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN,1998 • MSA:5945 — ORANGE COUNTY, CA • • Page:121-122 of122 Number of Loans Loans On 1-TO-4 Family Dwellings Loans On Non- CENSUS TRACT OR COUNTY NAME lHome Purchase Loans occupant % Median Income FHDwellings AND DISPOSTION OF Ret1nfor 5 or Loanson Conven- 1-TO-4Popof Min as PCT APPLICATION FSA/RHS ancingMore (STATE/COUNTY/TRACT&VA' tional Family NUMBER- Ff E 3Families MSA Median F A F B I ` " I F CA/Orange /1106.04 i " I D 32 117 -F LOAN ORIGINATED 29 113 239 22 �— 15 [—F- APPROVED, NOT ACCEPTED FF 7 31 F 5 F Z �r— APP DENIED I ` 11 57 14 F—F-1 F—F— APP WITHDRAWN F--1 16 F 48 F 817 l 7�— INCOMPLETENESS F FILE CLOSE FOR -F 2 18I F—F-1-1 CA/Orange /1106.05 461 123 LOAN ORIGINATED 147 250 14 r 1 19 F APPROVED, NOT ACCEPTED �— 16 22 2 F 4 F—F— APP DENIED �— 18 50 11 r-17 2 F� APP WITHDRAWN � 19 39 F-4 r—jF�, 1 F-r- OT I �) L F SE FOR r 310 I INCOMPLEFILE NESS I CA/Orange /1107.98 LOAN ORIGINATED I r——--�—�� APPROVED, NOT ACCEPTED I —I —�_F— —F APP DENIED F— APP WITHDRAWN F-F- � 1 1 F-1 1 —, ' F—F— FILE CLOSE FOR �������—r INCOMPLETENESS 17- MSA TOTAL LOAN ORIGINATED 8221 77588 100249 5274 528 7433 F— APPROVED, NOT ACCEPTED 424 6216 11129 F 1121 52 1154 F — r— APP DENIED 1013 8883 21095 2826 �64 1758 APP WITHDRAWN 875 6293 1535617 708 81 1092 �� FILE CLOSE FOR 143 9907451 198 29 332 INCOMPLETENESS r INVALID GEOGRAPHIC IDENTIFIERS 2. LOAN ORIGINATED F--I—F—F—F—F—F—I APPROVED, NOT ACCEPTED—-F—F—F—F—F—F— 1 of 2 5/12/00 8:13 PM FFIEC HMDA AGGREGATE REPORTS APP DENIED APP WITHDRAWN • FILE CLOSE FOR • 171 http://www.ffiec.gov/cgi-bin/pbisa6O.dll...ange &as_table=l&as_pWN121&as_parr—1 2 of 2 5/12100 8:13 PM 0 TECHNICAL APPENDIX F Home Mortgage Disclosure Act (HMDA) Data: Overview of HMDA Data and Loan Denial Rates Table F l: Rank Order of High Denial Rates (20%+) By Entitlement City for Census Tracts with 100+ Applications 1 Table F-2: Rank Order of High Denial Rates (20%+) By Urban County City for Census Tracts with 100+ Applications Table 1R3: Rank Order of Denial Rates By Entitlement City for Census Tracts with 50%+ Minority Population Table F 4: Rank Order of Denial Rates By Urban County City for Census Tracts 50%+ Minority Population Table F-1: Rank Order of High Denial Rates (20%+) By Entitlement City for Census Tracts With 100+ Applications ANAHEIM Census Total Percent Percent Percent 878.05 119 36.97% 70.00% 42.00% 878.02 129 32.56% 80.00% 41.00% 870.02 127 29.92% 77.00% 31.00% 875.01 112 29.46% 67.00% 68.00% 867.02 •126 28.57% 68.00% 40.00% 873.00 149 26.85% 46.00% 80.00% 864.07 128 24.22% 96.00% 28.00% 876.02 157 24.20% 92.00% 31.00% 874.02 141 22.70% 53.00% 76.00% 867.01 188 22.34% 84.00% 52.00% 871.04 105 21.90% 86.00% 45.00% 863.01 107 21.50% 85.00% 49.00% 871.03 145 21.38% 91.00% 30.00% 877.03 111 20.72% 91.00% 47.00% 1102.02 761.03 112 134 20.54% 20.15% 78.00% 73.00% 31.00% 53.00% 1104.01 105 20.00% 91.00% 34.00% BUENA PARK Census Tract(s) Applications Total Percent Denied Percent Med. Income Percent Minority 1106.01 160 23.75% 73.00% 52.00% 1103.03 168 23.21% 99.00% 32.00% 1103.02 106 22.64% 87.00% 46.00% 1102.02 112 20.54% 78.00% 31.00% 1103.04 104 20.19% 97.00% 39.00% 1104.00 105 20.00% 91.00% 34.00% 40 • Table F-1-Continued COSTA MESA �.J Census Total Percent Percent Percent 637.00 130 27.69% 62.00% 45.00% 639.05 122 23.77% 91.00% 17.00% 639.07 122 20.49% 121.00% 21.00% 639.04 104 20.19% 91.00% 43.00% 626.10 115 20.00% NA NA FULLERTON Census Total Percent Percent Percent 867.01 188 22.34% 84.00% 52.00% 115.01 124 20.97% 79.00% 29.00% 110.00 141 20.57% 87.00% 28.00% 1104.01 105 20.00% 91.00% 34.00% FOUNTAIN VALLEY Census Total Percent Percent Percent 992.24 161 29.19% 135.00% 30.00% 992.02 136 25.00% 81.00% 64.00% 992.28 129 23.26% 94.00% 29.00% 992.32 197 21.83% 129.00% 22.00% GARDEN GROVE Census Total Percent Percent Percent 890.01 131 29.77% 79.00% 77.00% 890.02 213 27.70% 73.00% 69.00% 876.02 157 24.20% 92.00% 31.00% 880.01 101 22.77% 93.00% 40.00% 891.02 111 22.52% 78.00% 55.00% 887.02 102 21.57% 78.00% 53.00% 891.01 40 136 21.32% 79.00% 57.00% 761.03 134 20.15% 79.00% 42.00% Table F-1-Continued HUNTINGTON BEACH Census Total Percent Percent Percent 995.08 105 23.81% 96.00% 13.00% 994.02 106 22.64% 61.00% 61.00% 994.05 114 21.93% 108.00% 28.00% 992.43 174 21.26% 126.00% 15.00% 994.08 129 20.16% 95.00% 24.00% 992.20 125 20.00% 105.00% 13.00% Census Total Percent Percent Percent Tract(s) Applications Denied Med. Income Minority 626.10 115 20.00% NA NA LA HABRA Census Total Percent Percent Percent 13.01 189 39.29% 91.00% 23.00% 12.00 163 27.19% 69.00% 60.00% 13.03 129 25.00% 76.00% 51.00% 15.01 166 20.48% 113.00% 16.00% NEWPORT BEACH Census Tract(s_Applications Total Percent Denied Percent Med- Income Percent Minority 635.00 236 26.27% 125.00% 8.00% 627.01 156 20.51% 223.00% 4.00% 626.10 115 20.00% NA NA • Table F-1-Continued ORANGE Census Tract(,s_A,pplications Total Percent Percent Percent 758.06 100 Denied Med. Income Minority 24.00% 25.00% 88.00% 864.07 128 24.22% 96.00% 28.00% 863.03 107 21.50% 90.00% 32.00% 761.03 134 20.15% 73.00% 50.00% 219.14 105 20.00% 113.00% 35.00% SANTA ANA Census Total Percent Percent Percent 748.02 162 46.30% 50.00% 80.00% 744.04 145 32.41% 61.00% 54.00% 992.01 167 31.14% 60.00% 76.00% 890.01 131 29.77% 79.00% 77.00% 741.02 138 29.71% 82.00% 83.00% 890.02 213 27.70% 73.00% 69.00% 748.03 144 27.08% 82.00% 80.00% 746.01 139 26.62% 60.00% 84.00% 758.06 100 25.00% 88.00% 24.00% 992.02 136 25.00% 81.00% 64.00% 741.01 169 24.85% 78.00% 88.00% 754.04 161 24.84% 88.00% 38.00% 750.02 189 23.28% 37.00% 88.00% 753.03 134 23.13% 131.00% 27.00% 891.02 111 22.52% 78.00% 55.00% 741.06 130 22.31% 78.00% 35.00% 747.01 100 22.00% 63.00% 94.00% 741.04 188 21.28% 106.00% 61.00% 891.01 136 23.22% 79.00% 57.00% TUSTIN Census Total Percent Percent Percent Minority TraeffA) Applications 744.04 145 Denied 32.41% Med. Income 61.00% 54.00% 219.14 40 105 20.00% 113.00% 35.00% • Table F-1-Continued WESTMINSTER Census Tract(s)_AFnlicationc Total Percent Denied Percent d Percent 992.41 136 M Income Minority 27.00% 25.00% 102.00% 998.02 141 24.82% 60.00% 48.00% 997.01 103 22.33% 73.00% 49.00% IN • Table F-2: Rank Order of High Denial Rates (20%+) By Urban County City for Census Tracts With 100+ Applications Census Tract(y) Percent Denied Applications Total Percent Med Income Percent Minority 15.01 20.48% 166 113% 16% CYPRESS Census Tract(s) Percent Denied Total Percent Percent 1101.12 Applications 30.81% Med. Income Minority 211 105% 22% 1101.10 27.62% 105 82% 35% 1101.04 22.44% 156 108% 29% 1102.02 20.54% 112 78% 31% DANA POINT . Census Percent Total Percent Percent Tract(a) Denied Applications Med. Income Minority None LAGUNA BEACH Census Percent Total Percent Percent Tractj,) Denied Applications Med. Income Minority None LAGUNA HILLS Census Percent Total Percent Percent Tract(s) Denied Applications Med. Income Minority None of • Table F-2-Continued LA PALMA Census Tract(q) Percent Denied Total Percent Percent 1103.04 Applications 20.19% 104 Med Income Minority 39% 97% LOS ALAMITOS Census Tract(s) Percent Denied Applications Total Percent Percent 1101.12 30.18% 211 Med income Minority 22% 105% PLACENTIA Census Percent Total Percent Percent Tract(s) Denied Applications Med. Income Minority 117.10 21.00% 100 139% 14% . 117.16 20.09% 214 125% 42% RANCHO SANTA MARGARITA Census Percent Total Percent Percent Tract(s) Denied Applications Med. Income Minority Iel.TT4 SAN CLEMENTE Census Tract(s) Percent Denied Total Percent Percent 421.08. Applications 21.25% 160 Med. Income Minority 23% 67% SEAL BEACH Census Percent Total Percent Percent Tract(s) Denied Applications Med. Income Minority is None • Table F-2-Continued STANTON Census Percent Total Percent Percent 878.02 32.56% 129 80% 41% 878.05 31.19% 109 70% 42% 881.01 22.70% 101 79% 23% 1102.03 20.54% 112 92% 28% VILLA PARK Census Percent Total Percent Percent Tract(s) Denied Applications Med. Income Minority None MI)9- 4"40171 • Census Percent Total Percent Percent Traegs) Denied Applications Med. Income Minority None UNINCORPORATED ORANGE COUNTY Census Percent Total Percent Percent TracW) Denied Applications Med. Income Minority None 41 • Table F-3: Rank Order of Denial Rates By Entitlement City for Census Tracts with 50%+ Minority Population IKl\'Ili'I Census Tract(s) Percent Minority Percent M d Income Total 'on Percent 865.02 84% Applies* 48% s 67 Denied 40.30% 873.00 80% 46% 149 26.85% 874.02 76% 53% 141 22.70% 866.01 73% 59% 76 31.58% 116.02 72% 63% 54 18.52% 875.01 68% 67% 112 29.46% 865.01 63% 66% 62 12.90% 864.05 62% 66% 86 12.79% 117.19 60% 76% 89 16.85% 871.02 54% 66% 91 18.68% 844.02 53% 68% 62 11.29% 867.01 52% 84% 188 22.34% 878.06 52% 69% 94 18.09% 864.04 51% 84% 97 10.31% 870.01 51% 83% 68 19.12% • 764.03 50% 73% 134 20.15% BUENA PARK Census Tract(,) Percent nority Percent Med. ineome Total Percent 1105.00 55% Applications 62% 143 Denied 15.38% 1106.01 52% 73% 160 23.75% 1106.03 54% 61 % 84 26.19% COSTA MESA Census Percent Percent Total Percent Tract(s) Minority Med. Income Applications Denied 636.02 51% 52% 105 17.14% 41 • Table F-3-Continued FULLERTON Census Tract(s) Percent Minority Percent Med. inee Total Percent 116.02 72% Appik2tiOng 63% 54 D mod 18.52% 116.01 65% 58% 66 21.21% 867.01 52% 84% 188 22.34% FOUNTAIN VALLEY Census Tract(y) Percent Minority Percent M d Total Percent 992.02 64% Income AppliC2tionq 81% 136 Denied 25.00% 992.03 51% 98% ill 18.02% GARDEN GROVE Census • Tract(s) Percent Minority Percent Med. Income A- Total icoNOng Percent Denied 890.01 77% 79% 131 29.77% 890.02 69% 73% 213 27.70% 889.03 68% 78% 137 17.52% 879.01 64% 59% 91 21.98% 879.02 63% 77% 73 17.81% 889.02 57% 79% 87 18.39% 889.04 57% 89% 85 18.82% 891.01 57% 79% 136 21.32% 888.01 55% 58% 115 15.65% 891.02 55% 78% ill 22.52% 885.01 54% 75% 74 28.38% 884.02 53% 68% 62 11.29% 885.02 53% 67% 74 16.22% 887.02 53% 78% 102 21.57% 887.01 52% 58% 110 16.36% 889.01 52% 82% 96 11.46% 878.06 52% 69% 94 18.09% 999.03 52% 76% 93 24.73% • Table F-3-Continued HUNTINGTON BEACH Census Tract(s) Percent Minorify Percent Med. Income Total Percent 994.02 61% Anplicntions 61% 106 Denied 22.64% IRVINE None LA HABRA Census Tract(y) Percent Minority Percent Med. Income Total Percent 13.04 65% Applications 57 Denied 7.14% 61% 12.00 60% 69% 163 27.19% 13.03 51% 76% 129 25.00% NEWPORT BEACH • Census Percent Percent Total Percent Tract(g) Minority Med Income Applications Denied 636.02 51% 52% 105 17.14% ORANGE Census Tract(s) Percent Minority Percent Med. Income Total Percent 219.13 60% Applications 97% 185 Denied 19.46% 761.03 50% 73% 134 20.15% Table F-3-Continued SANTA ANA Census Percent Percent Total Percent 748.01 98% 55% 58 12.07% 749.02 97% 47% 50 30.00% 749.01 96% 47% 92 28.26% 743.00 95% 68% 79 29.11% 747.01 94% 63% 100 22.00% 748.05 94% 47% 63 19.05% 747.02 93% 60% 90 22.22% 752.01 93% 65% 69 15.94% 746.02 92% 56% 97 26.80% 741.01 88% 78% 169 24.85% 750.02 88% 37% 189 23.28% 744.06 87% 47% 53 28.30% 750.01 87% 44% 96 17.71% 752.02 87% 65% 71 18.31% 742.00 86% 62% 131 18.32% 746.01 84% 60% 139 26.62% . 741.02 83% 82% 138 29.71% 748.02 80% 50% 162 46.30% 748.03 80% 82% 144 27.80% 741.03 78% 81% 58 15.52% 890.01 77% 79% 131 29.77% 992.01 76% 60% 167 31.14% 740.05 75% 84% 108 14.81% 890.02 69% 73% 213 27.70% 751.00 68% 59% 121 17.36% 889.03 68% 78% 137 17.52% 992.02 64% 81% 136 25.00% 741.04 61% 106% 188 21.28% 755.09 57% 66% 86 24.42% 891.01 57% 79% 136 21.32% 753.01 55% 95% 74 13.51% 753.02 55% 85% 82 14.63% 891.02 55% 78% 111 22.52% 744.04 54% 61% 145 32.41% 740.04 51% 97% 128 12.50% L • Table F-3-Continued TUSTIN Census Tract(m) Percent Minority Percent Mori Income Total Percent 744.06 87% Application 47% 53 n mr 28.30% 755.09 57% 66% 86 24.42% 744.04 54% 61 % 145 32.41 % WESTMINSTER Census Tract(r) Percent Minority Percent M Income Total Percent 992.02 64% ri Ali 81% nlic ti 111 rl n ma 18.02% 993.01 61 % 74% 145 15.17% 998.03 60% 69% 102 15.69% 889.05 58% 73% 101 8.91% 889.04 57% 89% 85 18.82% 889.01 52% 82% 96 11.46% 999.03 52% 76% 93 24.73% • 992.03 51% 98% 87 12.64% 0 • Table F-4: Rank Order of Denial Rates By Urban County City for Census Tracts with 50%+ Minority Population W 1J Census Percent Percent Total Percent Tract(s) Minority Med. Income Applications Denied None CYPRESS Census Percent Percent Total Percent Tract(s) Minority Med. Income Applications Denied None DANA POINT Census Percent Percent Total Percent Tract(s) Minority Med Income Applications Denied None LAGUNA BEACH Census Percent Percent Total Percent Tr2ct(s) Minority Med Income Applications Denied None LA PALMA Census Percent Percent Total Percent Denied Tract(s) inority Med Income Applications 132 11.36% 1101.16 54.00% 113% 1101.15 50.00% 111% 87 20.69% • Table F4-Continued LOS ALANIITOS Census Percent Percent Total Percent Tract(s) Minority Med Income Applications Denied None PLACENTIA Census Tract(s) Percent Minority Percent Med. Total Percent 117.19 60% Income Applications 76% Denied 88 17.05% RANCHO SANTA MARGARITA Census Percent Percent Total Percent Tract(s) Minority Med. Income Applications Denied • None SAN CLEMENTE Census Percent Percent Total Percent Tract( Minority Med. Income Applications Denied None SEAL BEACH Census Percent Percent Total Percent Tract(s) Minority Med. Income Applications Denied None STANTON Census Percent Minority Percent Total Percent Denied Tract(s) 879.01 Med. Income Applications 64% 59% 91 21.98% 879.02 63% 77% 73 17.81% • 878.06 52% 69% 94 18.09% • Table F4-Continued VILLA PARK Census Percent Percent Total Percent Tract( Minority Med. Income Applications Denied None YORBA LINDA Census Percent Percent Total Percent Tract(s) Minority Med. Income Applications Denied None UNINCORPORATED ORANGE COUNTY Census Percent 'Percent Total Percent Tract(q) Minority Med.Income Applications Denied • None TECHNICAL APPENDIX G HMDA Data by/for Entitlement Cities Table G-1 • Change in Loan Denial Rates for Entitlement Cities, 1994.1998 Table W Disposition of Loan Applications and Loan Denial Rates For Entitlement Cities by Census Tract, 1998 Change in Loan Denial Rates for Entitlement Cities, 1994-1999 Anaheim I Buena Paris Home Purchase Loans HA, FMHA & VA Loans Originated App. A •d. Not Ace. A Application Denied Total Applications Percent Denied onventional Loans Origin ated . Aped. Not Ace. Application Denied Applications Denied Home Improvement Loans Originated A . Ace. Application 'd. Not Denied Total Applications Percent Denied Total A lications Percent Denied 1994 697 12 62 771 8.04% 3,513 268 841 4,622 18.20•/ 709 123 445 1,277 34.85% 6,670 20.21°/ 1998 1,655 81 199 1,935 10-28% 5,166 737 1,181 7,08446 16.67°/ 820 167 480 1,467 32.72°/ 10,486 17.74% Chan 958 69 137 1,164 2.24°/ 1653 469 340153 -12° 111 44 35 190 -2.13°/ 3,816 -2A7% 1994 1998 132 349 3 20 11 35 146 404 7.53%8.66% 590 937 34 109 182 777 1,228 9.69°/ 14.82°/ 140 249 24 58 78 186 242 493 32.23°/ 37.73°/ 1,165 2,125 20.77°/ 18.96% Chan 217 17 24 258 1.13°/ 3471,312 75 451 4.87°/ 109 34 108 251 5.50°/ 960 -1.81°/ 1994 237 4 15 256 5.861"c 90 1,709 9° 299 29 151 479 31.52°/ 2,444 19.35°/ �••�•• 1998 189 17 35 241 14.52°/ 206 1,951 09°Percent 150 22 64 236 2842 7.12°/ 2.428 17.01°/ rounuan Chan 19941 -48 76 13 3 - 20 4 -15 83 8.66V, 4.82°/ 116 53 7 184 242 935 ./.°/.°/87°/ -149 178 -7 21 -87 76 -243 275 4.41% 27.64°/ -16 1,293 -2.340 20A2°/ vane 19981 92 1 7 100 7.00°/ 145 11,491132 236 143 43 83 269 30.86°/ 1,862 17.51°/ Garden Grove Chango 19941 19981 16 426 849 -2 14 44 3 35 101 17 475 994 2.18% 7.37°/ 10.16% .414 1.,486 27109 2,330 92 52 392 505 558 1,887 3,106 2077/ 16.26/ -35 356 431 22 65 ] OS 7 223 306 -6 223 306 3.22°/ 34.63°/ 36.34% 569 3,006 4,942 -2.91°/ 21.62°/ 18.45% Chan 423 30 66 519 2.79°/ 921A 185314 113Total 1219 4.5I°/ 75 40 83 183 98 1.71% 1,936 -3.17% a Table G-1: Change in Loan Denial Rates for Entitlement Cities, 1994-1998 1994 Irvine 1998 Chan 1994 La Habra 1998 Ne rt Beach Oran a Ana Santa Ana Home Purchase Loans _Chan 19941.1998 Chan 1994 1998 Chan 1994 1998 Chan HA, FMHA & VA Loans Originated 'd. 21 437 218 249 72 44 61 17 358 590 232 A . A Not Acc. 7 7 37 30 1 1 14 13 0 8 801 1,527 726 Application Denied 10 57 47 18 46 28 0 8 2 29 27 22 85 63 Total Applications 236 531 295 196 309 113 44 81 37 154 Percent Denied 4.24°/ I0.73°/ 6.50°/ 9.18°/ 14.89•/ 5.70°/ 0.00°/ 14.81°/ 14.81ON 384 6.25% 693 10.68°/ 309 898 1,841 943 onvenlional 4.43°/ 8.35°/ 12.44°/ 4.09°/ Loans Originated-- A . A 'd. Not Acc. 2,445 194 5,301 848 2,856 654 730 924 194 1,700 2,563 863 2,335 4,751 2,416 1,560 2,290 730 Application Denied 507 818 311 71 189 I I8 321 47 132 232 449 410 178 190 712 522 H 2 382 270 Total Applications 3146 6,967 3,821 990 1,363 373 2,381 508 3,481 59 1,100 540 3,065 866 6,329 326 536 813 277 Percent Denied 16.12°/ 11.74°/ 4.370 19.09°/ 23.55°/ 4.46°/ 18.86°/ 14.59°/ 4.26°/ 17.620 13.68°/ 3264 2,208 3,485 1,277 Home Improvement 3.94°/ 24.28% 23.33°/ -0.95°/ Loans Originated 298 339 41 165 204 39 196 170 -26 391 433 42 App. APPA. Not Acc. 36 25 39 21 32 --- 370 526 156 Application 119 36 77 64 98 3483 Total Applications 486 541 55266 362 96 330 39 233 230 -3 255 363Denied- 108 Denied 31.28/ .61 206°/ 5.21°/ .18 3120/ 32/ °/ .18 515°/7.60% 2 -7 3377% 007% 75 .55% . 370% 3Percent 7.01%. 36.78% 0.230/, otal Applications ercentDenied 3,868 17.30°/ 8,039 12.64°/ 4,171 -4.66°/ 1,452 19.97°/ 2,034 23.89•/ 5821 2,755 3,841 1,086 4,139 7,787 3,648 3,795 6,313 2,518 3.92°/ 20.51°/ 15.54% -4.97°/ 19.26°/ 15.03°/ -4.23°/ 22.822/ 22.260 Table G-1: Change in Loan Denial Rates for Entitlement Cities, 1994-1998 Tustin Westminster 19941 19981 Chango 19941 1998 Chan Home Purchase Loans HA, FMHA & VA Loans Originated 358 421 63 179 227 48 A. ApWd. Not Ace. 5 28 23 6-7-1 Application Denied 18 62 44 12 25 13 Total Applications 381 511 130 197 259 62 Percent Denied 4.72°/ 12.13°/ 7.41°/ 6.09°/ 9.65°/ 3.56°/ onventional Loans Originated 1,613 3,244 1,631 872 1,342 470 App. Appd. Not Ace. 106 498 392 55 203 148 Application Denied 314 562 248 242 299 57 Total Applications 2,033 4,304 2,271 1,169 1,844 675 Percent Denied 15A5°/ 13.06% -2.39°/ 20.70% 16.21 °/ -4.49°/ Home Improvement Loans Originated 228 243 15 147 186 39 App. A 'd. Not Ace. 31 42 11 23 41 18 Application Denied 131 110 -21 101 92 -9 Total Applications 390 395 5 271 319 48 Percent Denied 33.59'/ 27.85°/ -5.7 V - 37.27°/ 28.84°/ -8.43 Total Applications 2,804 5,210 2,406 1,637 2,422 785 ercentDenied 16.51% 14.09'/ -2.42°/ 21.69°/ 17.18°/ -4.51% CITY OF ANAHEIM: 1998HMDA DATA • • 0 entMinod Ned. Inc. as % of MSA e Purchase Loans tFHA,, 116.021 72% 63% 117.14 49% 98% 117-191 60% 76% 117.201 80% 53% 218.071 21% 108% 218.111 29% 118% 218.121 22% 111 218.131218.181 60°/u % 89% 24% 150% 219.03 32% 116% FMHA & VAn Ori inated 12 1 19 13 2 99 31 2 41 7 . A 'd. Not Acc. 2 6 1 1 1 Application Denied 1 21 1 11 11 1 81 31 11 101 1 Total Applications 1 141 11 201 161 21 1131 351 31 521 9 Percent Denied 1 14.29%1 0.00%1 5.00%1 6.25% 0.00%1 7.08%1 8.57%1 0.00%1 19.23%1 11.11% onventional Loan Ort inated 21 4 391 151 661 2131 991 11 640 60 A d. Not Acc. 3 4 4 12 34 1 52 8 Application Dented 7 2 12 5 12 39 14 11765 73 15 Total Applications 31 6 55 24 80 286 114 2 83Percent Denied 22.58% 33.33% 21.82% 20.83% 15.00% 13.64% 12.28% 50.00%% 18.07%Home Im rovementLoan Ori inated 5 1 9 1 5 12 13 18 8 A. A 'd. Not Ace. 3 3 1 1 7 4 9 3 Application Denied 1 2 2 1 4 10 9 23 4 Total Applications 1 91 31 14 31 10 291 261 11 1101 15 Percent Denied 1 11.11%1 0.00%1 14.29% 33.33%1 40.00% 34.48%1 34.62%1 0.00%120.91%1 26.67% otal Applications 1 541 101 891 431 921 4281 175 61 9271 107 ercent Denied 1 18.52%1 40.00%1 16.85%1 16.28%1 17.39%1 13.32%1 14.860/c 33.33%1 11.43°/ 18.69% 219.041 219.051 219.101 219.111 219.121 219.981 758.02 761.011 761.021 761.03 ercent Mlno ' 22%1 250/c 220% 25% 14%1 170/4 22% 42% 42% 50% Wed. Inc. as % of MSA 178% 131% W0/c 160% 177% 106% 157% 79% 79% 73% ome Purchase Loans HA FMHA 8' VA Loan rig inated 16 9 15 741 11 221 7 'I'll 21 12 A 'd. Not Acc. 1 10 1 1 A IlcaUon Denied 3 5 21 1 31111 fill3 Total Applications 16 91 19 89 11 241 71 15 2 16 Percent Denied 0.00"/0 0.00%1 15.79% 5.62%1 0.00%1 8.330/c 0.00% 20.00%1 0.00%1 18.75% Conventional Loan Originated 260 151 282 518 116 30B 185 46 15 65 A . A 'd. Not Acc. 42 27 14 79 14 60 24 5 6 16 Application Denied 48 20 36 81 9 74 47 14 14 18 Total Applications 350 198 332 678 139 442 256 65 35 99 Percent Denied 13.71% 10.10% 10.84% 11.95% 6.47% 16.74% 18.36% 21.54% 40.00% 18.18% Home Improvement Loan Originated 18 5 34 32 12 28 18 4 1 9 A. A 'd. Not Acc. 3 1 4 7 4 6 1 4 Application Denied 131 51 91 111 3 1 8 8 11 6 Total Applications 34 11 F 47 -5ol---lgT 42 27 5 1 19 Percent Denied 38.24% 45.450/o 19.15% 22.00% 15.791 19.05% 29.63% 20.00% 0.00% 31.58% Total Applications 400 218 3981 8171 1591 508 290 85 38 134 Percent Denied 15.25% 11.47% 12.08% 11.87%1 7.550W 16.5491- 18.970L 21.18% 36.84% 20.15°/ CITY OF ANAHEIM: 1998HMOA DATA • 0 ercentMinori Od. Inc. as % of MSA ome Purchase Loans 762.01 20% I 109% 762.02 34% 91% 863.01 49% 85% 863.03 32% 90%1 863.04 23% 102% 863.05 24% 128% 863.06 29% 107% 864.02 42%1 94% 864.04 1%1 84% 864.05 62% 66% FHA FMHA & VA Loan Originated A. d. Not Ace. Application Denied Total Applications Percent Denied 23 2 31 281 10.71% 15 11 161 6,25% 34 11 71 421 16.67%1 16 11 21 191 10.53%1 8 11 11 101 10.00% 10 11 Ill 0-00%1 4 1 41 0.00%1 23 1 21 251 8.00%1 44 51 31 521 5.77%1 31 2 1 34 2.94% onventional Loan Ori inated 1 881 191 341 381 501 531 441 461 221 23 A. A 'd. Not Acc. 71 21 611 4 9 31 61 41 31 6 Application Denied I 111 51 81 71 91 71 91 131 21 4 Total Applications 1 1061 261 481 491 681 631 591 631 2711 33 Percent Denied 1 10.38%1 19.23%1-16.67%1 14.29%1 13.24%1 11.11%1 15.25%1 20.63% 7.41%1 12.12% Home Im rovement Loan Originated 1 161 41 91 111 91 131 41 41 101 11 'd. Not Acc. 1 1 1 1 3 3 2 ation Denied 5 2 8 2 5 6 3 4 5 6 A lications 22 7 17 14 14 20 7 11 18 19nt Denied 22.73% 28.57% 47.06% 14.29% 35.71% 30.00% 42.86% 36.36% 27.78% 31.58%lications gA,A 156 49 107 82 92 94 70 99 97 86Denied 1 12.18%1 16.33%1 21.50%1 13.41%1 16.30%1 13.83%1 17.14%1 19.19%1 10.31%1 12.79% 864.061 864.071 865.011 865.021 866.011 866.021 867.011 867.021 868.011 868.02 Percent Minority 27% 28% 63% 84% 73% 39% 52% 40% 30% 40% Ned. Inc. as % of MSA 1 87% 96% 66% 48% 59% 71 % 84% 68% 86% 84% Home Purchase Loans FHA, FMHA & VA Loan Ori inated 1 61 191 28 221 231 141 521 301 161 25 A. A Wd. Not Acc. 11 21 11 21 211 2 A lication Denied 1 1 71 1 31 11 11 71 31 1 1 Total olleations 61 261 291 261 251 171 601 351 181 28 Percent Denied 1 0.00%1 26.92%1 3.46%1 11.54%1 4.00%1 5.88%1 11.67%1 8.67%1 0.00%1 3.57% onventional Loan Ori inated 1 201 541 161 91 171 151 621 341 311 30 A. A-Do'd. Not Acc. 1 41 81 51 41 411 511 101 61 61 3 ADDIleation Denied 1 51 131 41 221 211 41 221 24 6 6 Total Applications 29 75 25 35 42 24 94 64 43 39 Percent Denied 17.24% 17.33% 16.00% 62.86% 50.00% 16.67% 23.40% 37.50% 13.95% 15.38% ome Improvement Loan Od inated 5 10 4 4 6 8 19 16 14 13 d. Not Acc. 6 1 1 2 2 3 1 Application Denied 2 11 3 2 2 4 13 9 11 6 Total Applications 7 27 8 6 9 12 34 27 28 20 Percent Dented 28.57% 40.74°/ 37.50% 33.33% 22.22% 33.33% 38.241 33.33% 39.29°/a 30.00% 4o 1 A Iicadons 42 128 62 67 76 53 188 126 89 87 ercent Denied 16.67% 24.22% 12.90% 40.30% 31.58% 16.98% 22.34% 28.57% 19.10% 14.94% CITY OF ANAHEIM: 1998HMDA DATA • • G 868.031 869.011 869.021 869.031 870.011 870.021 871.011 871.021871.031 871.04 ' 32% 40% 28% 39% 51% 31% 47% 54% 30% 45% of MSA 86% 58% 82%' 77% 83% 77% 78% 66% 91% 86% UHhase Loans VA ated 20 17 15 15 16 22 3 12 24 19 Not Acc. 21 1 11 1 11 21 1 Application Denied 2 3 11 1 61 V 41 31 3 Total Applications 22 20 15 181 16 291 41 171 291 23 Percent Denied 9.09% 15.00% 0.00'/° 5.56% 0.000/c 20.69% 25.00% 23.53%1 10.34%1 13.04% Conventional Loan Originated 46 251 29 23 27 431 22 381 711 46 A. A 'd. Not Acc. 9 21 7 5 3 5 1 91 61 5 Application Denied 7 81 14 12 10 25 81 181 12 Total Applications 62 35 50 40 40 73 23 551 951 63 Percent Denied 11.290/c 22.86% 28.00% 30.00% 25.00% 34.25% 0.00% -14.55%1 18.95%1 19.05% Home Improvement Loan Originated 10 10 6 2 6 15 6 141 91 8 A. A 'd. Not Acc. 3 1 1 3 3 11 1 2 3 Application Denied 3 4 6 4 3 7 1 51 10 8 WEVTotal Ilcations 16 15 13 6 12 25 7 19 21 19 Ied 18.75%1 26.67% 46.15% 66.67% 25.00% 28.00% 0.00%1 26.320/c 47.62% 42.11% Total Applications 100 70 78 64 68 127 34 91 145 105 Percent Denied 12.00% 21 A3% 25.64% 26.56% 19.12% 29.92% 2.94% 18.68% 21.38% 21.90% 872.00 873.001 874.01 874.02 874.031 875.01 875.03 875.04 876.01 876.02 ercent Minori 37% 80% 42% 76% 70% 68°h 45% 71% 40% 310 ed. Inc. as % of MSA iFHA.eIFMHA 78% 46% 79% 53% 83% 67% 75 58Yo 78% 92% omPurchase Loans 3 VA Loan Originated 36 45 33 611 41 19 20 91 7 21 A. ApWd, Not Acc. 1 21 3 1 1 1 Application Denied 8 7 4 6 3 5 2 2 4 Total Applications 44 53 37 69 7 27 23 12 7 26 Percent Denied 18.18% 13.21% 10.81% 8.70% 0.00% 18.52% 8.70% 16.67% 0.00% 15.38% Conventional Loan Ori inated 36 45 18 30 3 32 25. 14 27 68 A. ApVd. Not Acc. 8 5 4 8 13 2 2 11 Application Denied 10 24 13 22 1 26 5 10 61 23 Total Applications 54 74 35 60 4 71 32 26 33 102 Percent Denied 18.52% 32.43% 37.14% 36.67%1 25.00% 36.62% 15.63% 38.46% 18.18% 22.55% Home Improvement Loan Originated 14 9 6 7 3 11 8 5 5 17 A. Appd. Not Ace. 1 4 1 1 3 2 1 1 Application Denied 41 9 3 4 3 2 7 3 3 11 Total Applications 19 221 9 12 6 14 18 10 9 29 Percent Denied 21.05% 40.91% 33.33% 33.33% 50.00% 14.29% 38.89% 30.00% 33.33% 37.93% otal A Iicetions 117 149 81 141 17 112 73 48 49 157 Percent Denied 18.80% 26.85% 24.69% 22.70'/0 41.18% 29.46% 19.18% 31.25% 18.37% 24.20°/a CITY OF ANAHEIM: 1998HMDA DATA • • 11 877.011 877.03 1 877.04 878.011 878.021 $78.031 870.051 878.061 883.021 884.02 PercentMinori 280/c 47% 280% 33% 41% 68% 42% 52% 30% 53% ed. Inc. as % of MSA 86% 910/4 930/c 82% 80% 46% 70% 69% 97% 68% Home Purchase Loans FHA FMHA ✓i VA Loan Originated 12 34 28 381 30 71 191 331 161 17 A. Appd. Not Acc. 1 2 11 1 1 1 3 11 1 Application Denied 2 4 1 51 4 3 31 3 11 1 Total Applications 14 39 31 44 35 11 221 39 181 19 Percent Denied 14.29%1 10.26% 3.23% 11.36% 11.43% 27.270/. 13.64%1 7.69% 5.56% 5.26"/0 onventional Loan Originated 27 29 40 58 36 11 331 23 581 28 A. ApWd. Not Ace. 3 9 13 2 9 2 171 3 111 4 Application Denied 12 10 9 10 231 1 341 9 ill 4 Total Applications 42 48 62 70 681 141 841 35 801 36 Percent Denied 28.57% 20.83% 14.52% 14.29% 33.82%1 7.14% 40.48%1 25.71% 13.75%1 11.11% Home Improvement Loan Originated 3 14 9 11 11 7 5 14 7 2 A. Appd. Not Acc. 3 1 3 3 1 1 5 3 Application Denied 9 9 5 10 15 7 5 11 2 Total Applications 15 24 17 24 26 7 13 20 23 7 Percent Denied 60.00% 37.50% 29.41% 41.67% 57.69% 0.00% 53.85% 25.00% 47.83% 28.57% otal Applications 71 111 110 138 129 32 119 94 121 62 Percent Denied 32.39% 20.72% 13.640/c 18.12% 32.56% 12.50% 36.97% 18.09% 19.01% 11.29% 884.031 1102.011 1102.02 1102.03 1104.01 1104.02 Ci Percent Mino ' 45% 33% 31 % 28% 34% 47% ed. Inc. as % of MSA 84% 92% 78% 92% 91 % 83% Home Purchase Loans FHA FMHA & VA Loan Originated 48 32 10 27 30 17 1,655 A. ApWd. Not Acc. 2 2 1 1 81 Application Denied 7 3 5 3 3 199 Total Applications 57 35 12 331 33 21 1935 Percent Denied 12.28% 8.57% 0.00% 15.150/c 9.09% 14.29% 10.28% Conventional Loan Originated 66 134 55 46 30 25 5 166 A. ApWd. Not Arc, 16 17 6 4 3 3 737 Application Denied 14 24 7 6 51 51 1,181 Total Applications 96 175 68 66 38 33 7,084 Percent Denied 14.58% 13.71% 10.29% 10.71% 13.160/c 15.15% 16.67% Home Improvement Loan Originated 14 23 12 Ill 15 7 820 A 'd. Not Acc. 4 8 4 3 6 2 167 Application Denied 1 3 1 261 16 8 13 13 480 Total Applications 211 571 32 22 34 22 1 467 Percent Denied 14.29%1 45.61% 50.00% 36.36% 38.24% 59.09% 32.72% Total Applications 1741 2671 112 111 105 76 10 486 Percent Denied 13.79%1 19.85%1 20.64% 17.12% 20.00% 27.63% 17.74% CITY OF BUENA PARK: 1998 HMDA DATA 18.01 888.01 886.03 1101.10 1102.01 1102.02 1102.03 1103.01 1103.02 Percent Minority Med. Inc. 83 % Of MSA 47% 75% 30% 86% 32% 86% 35% 82% 33% 92% 31% 78% 28% 92% 399/b 90% 46% 87% Home Purchase Loans FHA FMHA & VA Loans Orl inated 15 16 20 2 32 10 27 17 23 A. A 'd. Not Acc. 2 2 11 1 2 1 3 Application Denied 1 2 3 5 2 1 Total Applications 18 18 22 3 35 12 33 19 27 Percent Dented 5.56% 0.00% 9,09% 0.00% 8.57°h 0.00% 15.15% 0.00% 3.70% Conventional Loans Originated 12 31 46 87 134 55 46 47 44 A. A 'd. Not Acc. 6 6 9 8 17 6 4 10 3 IICaOon Denied 10 6 7 9 24 7 6 8 9 Total A lications 28 43 62 104 175 66 56 65 56 PerCBntDenled 35.71% 13.95% 11.29% 8.85% 13.71% 10.29% 10.770/a 12.31% 16.07% Home Im rovement Loans Originated 10 14 10 7 23 12 11 21 9 A. A 'd. Not Acc. 1 3 3 8 4 3 2 A Ilcation Denied Ml 2 11 3 5 28 16 8 7 14 Total A Iiptic ns 13 28 16 12 57 32 22 30 23 Percent Denied 15.38% 39.29% 18.75% 41.67% 45.61% 50.00% 36.360/4 0.000/c 60.87% otal Applications 59 89 100 119 267 112 111 114 106 Percent Denied 22,03% 19.10% 12.00% 11.76% 19.86% 20.54% 17.12% 14.91% 22.64% 1103.03 1103.04 1104.01 1104.02 1105.00 1108.01 1108.03 1106.04 Cityl ercentMlnO' 32% 390/c 340/c 47% 55% 52°/ 540/c 32% ed. Inc. as °'o of MSA 99% 97% 91% 83°k 82°/ 73% 61% 117% ome Purchase Loans HA FMHA 3 VA Loans Originated 19 10 30 17 36 25 21 29 A. A 'd. Not Acc. 1 1 2 5 Application Denied 4 1 3 3 4 4 2 19637 Total Applications 23 11 33 21 41 29 23 36 Percent Denied 17.39% 9.09% 9.09% 14.29% 9.76% 13.79% 0.00% 5.58% Conventional Loans Originated 86 43 30 25 52 87 19 113 6pp A 'd. Not Acc. 5 4 3 3 11 3 4 7 109 A Iication Denied 25 12 5 5 9 17 12 11 182 Total Applications 116 59 38 33 72 87 35 131 1,228 Percent Denied 21.55% 20.34% 13.18% 15.15% 12.50% 19.54% 34.29% 8.40% 14.82% Home Improvement Loans Originated 14 22 15 7 18 22 14 22 249 A. A 'd. Not Acc. 5 4 6 2 5 5 2 5 58 Application Denied 10 8 13 13 9 14 188 Total Applications 29 34 34 22 30 41 493 Percent Denied 34.48°h 23.53% 38.24% 59.09% 30.00% 34.15% 37.73% =23.75%,26.19% otal A Iications 168 104 105 76 143 206 2 125 ercent Denied 23.21% 20.19% 20.00% 27.63% 15.38% 12.98% 18.96% • • CITY OF COSTA MESA: 1998 HMDA DATA • • • PercentMinorfty ed.Inc.a3%ofMSA Home Purchase Loans 525.011 J-39-Rol 56% 626.101 N N 631.011 16% 78% 631.021 13% 102% 631.031 11% 151% 632.oll 15% 81% 632.021 19% 98% 633.001 10% 86% 636,01 27% 94% FHA, FMHA & VA --81 Loans Originated A. A 'd. Not Acc.1 Avolication Denied Total ADDlications Percent Denied onventional 841 311 ill 1 27.27%1 1 11 91 0.00% 11 11 om%l 51 1 11 1 61 0.00%1 1 01 0.00%1 1 121 1 31 1 21 171 11.76% 1 11 0.00%1 4 41 0.00%1 24 1 3 28 10.71% Loans Ori inated App. A 'd. Not Acc.1 Application Denied Total Applications Percent Denied Home Improvement 1 98 25 1 251 1 1481 1 16.89%1 591 15 211 951 22.11%1 281 101 91 471 19.15%1 1361 91 171 1621 10.49%1 671 71 61 701 8.57%1 871 141 221 1231 17.89%1 631 31 71 731 9.59%1 1381 191 271 1841 14.67%1 86 3 15 104 14,42% Loans Originated 1 91 81 31 31 51 31 11 101 8 A. A 'd. Not 'Co.'1 A Ilcalion Not 2 21 1 1 41 1 11 1 21 2 51 2 101 2 4 Total Applications 11 ill 4 8 7 6 81 221 14 Percent Denied 18.18% 18.18%1 25.00% 50.00% 14.29% 33.33% 62.509/o 45.45%1 28.57% otal A lica0ons 170 1151 52 77 146 82 2101 1461 176 Parasol Denied 17.65% 20.00%1 19.23% 9.09% 17.81% 14.63% 17.62%1 15.07%1 11.93% 836.02 636.031 637.00 638.02 638.03 638.05 638.061 638.071 638.08 Percent Minorttv 51% 7%1 45% 12% 24% 11% 12%1 22% 54% ed. Inc. as % of MSA 52% 95% 62%1 136% 95%1 119% 117% 104% 60% Home Purchase Loans HA FMHA & VA Loans Originated 1 121 41 101 31 241 31 21 281 15 A. A 'd. Not Acc. 2 1 1 4 1 A Ilcation Denied1 41 11 41 1 31 1 1 51 2 Total Applications 1 181 51 151 41 271 31 21 371 3 Percent Denied 1 22.22%1 20.00%1 26.67%1 0.00%1 11.11%1 0.00%1 0.00%1 13.51%1 66.67% onventional Loans Originated 1 471 1661 601 551 82 561 521 691 26 A. Aopld. Not Am 101 191 151 71 31 61 121 91 6 Application Denied 1 10 461 2911 12 91 41 3 7 4 Total Applications 1 671 2301 1041 741 941 661 671 851 36 Percent Denied 14.930/c 19.57%1 27.88%1 16.220% 9.570/6 6.060/o 4.480/c 8.240/c 11.110% ome improvement Loans Orinat 14 14 5 7 6 9 6 6 1 7 A. A 'd. Not Ace. 2 2 1 1 1 1 1 MA Ilcatlon Denied 4 2 3 2 6 4 3 3 Total Iications 20 9 11 9 16 10 10 2 10 Percent Denied 20.00% 22.22% 27.27% 22.22% 37.50% 40.00% 30.00% 0.00% 30.003% olal A lications 105 244 130 87 137 79 79 124 49 Percent Denied I 17.14% 19.67% 27.69% 16.09%1 13.14% 10.13% 7.59%1 9.68%1 18.37% CITY OF COSTA MESA: 1998 HMDA DATA • • • 639.021 639.031 639.041 639.051 639.061 639.071 639.081 992.401 C( ntMinori 30% 34% 43% 17% 29% 21% 25% 13% no.as%ofMSA 8!% 91% 91% 91% 62% 121% 102% 123% Purchase Loans NHA MHA & VA ns Ori inated 5 1 1 3 30 11 13 2 230. A 'd. Not Ace. 1 2 1 1 1 21iication Denied 1 1 1 5 2 3 40 Total Applications 6 1 3 4 37 14 14 6 276 Percent Denied 16.67% 0.00% 33.33% 25.00% 13.51% 14.29% ' 0.00% 50.00% 14.49% Conventional Loans Originated 38 67 67 70 56 68 58 73 1,862 A. A 'd. Not Acc. 4 15 8 7 9 4 10 3 252 A lication Denied 4 20 17 23 17 20 9 9 391 Total Applications 46 102 92 100 82 92 77 85 2 505 Percent Denied 8.70% 19.61% 18.48% 23.00% 20.73% 21.74% 11.69% 10.59% 15.61% Home Im rovement Loans Originated 5 71 5 12 8 101 51 141 177 Not Acc. 1 3 1 1 1 3&Jl 0 A IipBon Denied 3 2 3 5 4 386 Total Applications 9 12 9 18 13 16293 Percent Denied 33.33% 16.67% 33.33% 27.78% 30.77% 18.75%35%otal A lications 61 115104 122 132 122074Percent Denied 13.11% 19.13% 20.19% 23.77% 19.70% 20.49%82% CITY OF FULLERTON: 1998 HMDA DATA • C� J Percent Mino ' Vied. Inc. as % of MSA ome Purchase Loans 14.04 48% 1 78%1 15.03 30% 100% 15.05 18% 105% 16.01 18% 131%1 16.02 15% 161'/° 17.03 43% 129% 17.04 30% 124"/° 17.05 28% 122% 17.06 13% 170% HA FMHA & VA Loans Ori inated 321 81 81 81 61 161 41 14 A. A 'd. Not Ace. 1 11 11 1 11 21 2 A Iication Denied 3 3 1 1 2 1 TotaApplications Percent Denied 351 8.57%1 Ill 27.27%1 91 0.00010 101 10.00%1 71 14.29%1 191 10.53%1 7 14.29%1 161 0.00%1 0 0.00% onventional Loans Ori inated I Ill 571 1541 1091 1311 1791 671 611 70 A. ApWd. Not Acc. 21 41 191 181 171 141 41 61 6 Application Denied 1 31 71 141 151 Ill 171 61 81 7 Total Apolications 161 681 1871 1421 1591 2101 771 751 83 Percent Denied 1 18-75%1 10.29%1 7.49%1 10.56%1 6.92%1 8.10%1 7.79% 10.67% 8.430/d ome lm rovement Loans Ori (nated1 5 151 20 15 131 291 71 181 6 A. A 'd. Not Acc, 3 1 1 91 1 31 3 Application Denied 11 3 9 7 5 121 2 ill 1 Total A Iications 19 18 29 23 18 50 9 32 10 Percent Denied 57.89% 16.67% 31.03% 30.43% 27.78% 24.00% 22.22% 34.38% 10.00% otal A lications 70 97 225 175 184 279 93 123 93 ercent Denied 24.29% 13.40% 10.22% 13.14% 9.24% 11.11% 9.68% 15.45°/ 8.60% 18.011 18.02 19.011 19.021 19.031 110.00 111.011 111.021 112.00 ercent Minority 47% 47% 35% 33% 30% 28% 35%1 460A 24% ad. Inc. as % of MSA 1 75% 62% 81 % 92% 93%1 87°/ 87% 89% 97% ome Purchase Loans HA FMHA & VA Loans Ori inated 1 151 291 181 10 161 261 91 201 15 A. ApWd. Not Acc. 1 21 1 1 1 1 21 2 Appilration Denied 1 11 11 1 1 11 21 61 11 4 Total Apolications 1 181 301 181 101 171 301 171 211 19 Percent Denied 1 5.56%1 3.33%1 0.130%1 0.00%1 5.88% 6.67%1 35.29%1 4.76%1 21.05% onventional Loans Originated 1 121 261 27 211 181 661 301 291 69 d. Not Acc. 1 61 61 1 31 11 51 31 21 4 A lication Denied 1 101 21 31 41 81 161 41 31 15 Total Applications 28 341 311 281 271 871 371 341 86 Percent Denied 35.71% 5.88%1 9.68%1 14.290A 29.630/o 18.39%1 10.81% 8.82% 17.050/c ome Improvement Loans Orig inated 10 6 6 4 3 11 6 9 11 A. d. Not Acc. 1 1 4 3 2 1 1 4 Application Denied 2 5 2 5 5 11 3 6 5 Total Applications 13 12 12 9 11 24 10 16 20 Percent Denied 15.38% 41.67% 16.67% 55.56% 45.45% 45.83% 30.00% 37.50% 25.00i7o otal Ap lications 59 76 61 471 55 141 64 71 127 Percent Denied 22.03% 10.53% 8.20% 19.15% 25.45% 20.57% 20.31% 14.08, 18.90% CITY OF FULLERTON: 1998 HMDA DATA Percent Minority . Inc, as % of MSA e Purchase Loans 113.00 28% 89% 114.95 36% 69% 114.96 11% 123% 114.97 17% 108% 114.98 35% 72% 115.01 29% 79% 113.02 40% 83% 116.01 65% 58% 116.02 72% 63% FMHA & VA Loans Ori foaled A 'd. Not Acc. 3 2 31 1 15 1 12 1 11 13 12 Application Denied 1 1 5 2 1 7 2 Total Applications 4 3 3 0 21 15 12 20 14 Percent Denied 25.00% 0.000% 0.00% 0.00% 23.81% 13.33% 8.33% 35.00% 14.29% Conventional Loans Ori mated 36 4 55 31 49 71 40 21 21 A. A 'd. Not Acc, 2, 1 1 3 6 2 1 3 A Ilcation Denied 4 3 3 7 17 3 2 7 Total Applications 42 4 59 35 59 94 45 24 31 Percent Denied 9.52% 0.00% 5.08% 8.57% 11.86% 18.09% 6.67% 8.33% 22.56% Home Improvement Loans Ori loafed 4 8 9 7 8 13 5 A. A 'd. Not Acc. 2 2 1 3 1 1 4 3 A Ilcation Denied 1 3 1 5 7 4 5 1 Total Applications 7 0 13 2 17 15 11 22 9 Percent Denied 14.29% 0.00% 23.08% 50.00% 29.41% 46.67% 36.36% 22.73°h 11,11% WI1caUons 53 7 75 37 97 124 68 66 54 Denied 11.32% 14.29% 8.00% 10.81% 17.53% 20.97% 11.76% 21.21% 18.52% 117.07 117.08 117.11 117.12 867.01 868.01 868.02. 1104.01 1106.O5 Percent Minorftv 17% 27% 36% 41% 52% 30% 40% 34 46% Mod. Inc. as%of MSA 1020% 91% 64% 83°/ 84°k 88% 840/o 91% 123% Home Purchase Loans HA FMHA 3 VA Loans Ori loafed 16 7 17 11 52 16 25 30 4 A. A 'd. Not Acc. 1 1 1 2 2 Application Denied 6 3 7 1 3 Total Applications 23 7 21 11 80 18 28 33 4 Percent Denied 26.09% 0.00% 14.29% 0.00% 11.67% 0.00% 3.570/c 9.09% 0.00% Conventional Loans Originated 65 41 29 59 62 31 30 30 147 A. A 'd. Not ACC. 11 2 4 5 10 8 3 3 18 Application Denied 17 5 7 10 22 8 6 5 18 Total Applications 93 48 40 74 94 43 39 38 181 Percent Denied 18.28% 10.42% 17.50% 13.51°/a 23.40% 13.95% 15.38% 13.180/c 9.94% Home Improvement Loans Originated 6 7 4 6 19 14 13 15 14 A. A 'd. Not Acc. 1 3 2 3 1 8 2 Application Denied 4 4 3 13 11 8 13 11 Total Applications 6 11 9 12 34 28 20 34 27 Percent Denied 0.00% 38.38°/a 44.44% 25.00% 38.24% 39.296 30.000 38.24% 40.74% Total Applications 122 86 70 97 188 89 87 105 212 Percent Denied 18.85% 13.64% 20.00% 13.40% 22.34% 19.10% 14.94% 20.000/- 13.680 • • CITY OF FULLERTON: 1998 HMDA DATA •CI Percent Minority ed. Inc. as % of MSA Home Purchase Loans FHA FMHA & VA Loans Originated 503 App. A 'd. Not Acc. 22 Application Denied 66 Total A Iications 591 Percent Denied 11.17% onven8onal Loans Ori inated 1.959 Not Acc. 200 on Denied 295 lications 2 454 enied 12.02% a'd. vement Inated'd. Not Acc. 71 n Denied 197 oaApplications 612 Percent Denied 32.19% 3,657 Total App([cations Percent Denied 15.26% CITY OF FOUNTAIN VALLEY: 1998 HMDA DATA • • 0 of MSA se Loans WFMHA& 992.02T 64% 81% 992.03 51% 98% 992-041 35% 104% 992.231 32% 87% 992.241 30% 135% 992.25 30% 129% .992.261 34% 145% 992.271 41% 92% 992.28 29% 94% VAnated Not Acc. 29 9 4 1 14 2 Aoncat on an ad Total Applications Percent Denied onventional 21 31 6.45%1 91 0.00% 5 20-00%1 11 0.00%1 01 0.00% 01 0.00°/ 01 0.00%1 2 161 12.50%1 2 0.00% Loans Ori inated A 'd. Not Arc. Application Denied Total Applications Percent Denied ome Im rovement 46 11 23 801 1 28.75%1 71 3 12 861 13.95%1 '57 7 71 711 9.86%1 47 18 81 731 10.960/o 86 16 441 1461 30.14%1 64 8 61 761 7.89%1 75 9 131 97 13.400/ol 77 7 61 901 6.67%1 69 11 23 103 22.33% Loans Ori inated A. A 'd. Not Acc. A lication Denied Total A 1lcations Percent Denied I ill 5 1 91 25 36.000/c 61 2 81 161 50.00%1 51 3 3 11 27.270/c 51 1 61 0.00%1 ill 1 1 3 151 20.DO%l 71 2 91 181 50.00%1 ill 2 81 211 38.100/a 101 2 91 211 42.86%1 12 5 7 24 29.17% tal A lications 136 111 87 80 161 94 118 127 129 rcent Denied 25.00% 18.02% 12.64% 10.00% 29.19% 15.96% 17.80% 13.39% 23.26% 1,0A 992.29 992.3 992.31 992.32 992.33 992.34 CI rcentMinori 25% 17% 21% 22% 26% 30"/ d.Inc. as % of MSA 111% 114% 146% 129% 123% 110% me Purchase Loans FMHA & VA Loans Ori inated 1 171 111 1 11 21 1 92 MA . d. Not Acc. 1 1 A Iication Denied 1 21 1 1 1 1 7 Total Applications 1 191 121 1 11 211 ill 100 Percent Denied 1 10.53%1 0.00%1 0.00% 0.00%1 0.00%1 0.00%1 7.00% onventional Loans Ori inated 1 81 751 1511 121 39 531 1112 A. A 'd. Not Acc. 9 8 15 17 3 5 145 A Iication Denied 16 ill 101 391 81 101 236 Total Applications 106 941 1761 1771 50 681 1493 Percent Denied 15.09% 11.70% 5.680/c 22.03%1 16.00% 14.710A 15.81 ome Im rovement Loans Od inated 9 13 12 12 10 9 143 A. ApWd. Not Acc. 2 4 6 3 2 3 43 MA Iica'Ion Denied 3 3 4 4 6 7 83 Total A lications 14 20 22 19 18 19 269 Percent Denied 21.43% 15.00% 18.18% 21.05% 33.33% 36.84% 30.86% otal A Iications 139 128 199 197 70 88 1 882 Percent Denied 1 15.11%1 11.11%1 7.04%1 21.83%1 20.00% 19.32% 17.51% CITY OF GARDEN GROVE: 1998 HMDA DATA • • 0 761.031 875.031 876.021 878.061 879.011 879.021 880.011 880.021 881.01 Percent Minority 42% 46% 31% 52% 64% 63% 40% 35% 23% Vied. Inc. as % of MSA 790/c 75% 92% 69% 59% 77% 93% 94% 79% Home Purchase Loans FHA FMHA 6 VA Loans Originated 12 20 21 331 15 19 231 71 31 A. App1d. Not A 1 1 1 31 1 1 21 1 Application Denied 3 2 4 3 3 1 41 1 2 Total Applications 16 23 26 39 18 21 28 91 33 Percent Denied 18.75% 8.70% 15.38% 7.69% 16.67% 4.76% 14.29%1 0.00%1 6.06% onventional Loans Originated 65 25 68 23 40 20 391 281 16 A. A 'd. Not A 16 2 1 11 3 10 3 31 21 1 Application Denied 18 51 231 9 11 3 10 31 3 Total A lications 99 32 102 35 61 26 52 33 20 Percent Denied 18.18% 15.63%1 22.55% 25.71%1 18.03% 11.64% 19.23%1 9.09%1 15.00% Home Improvement Loans Originated 9 8 17 141 6 17 ill 71 5 A. AppId. Not Acc 4 3 1 11 11 1 2 0110n Denied ;21 6 7 11 5 6 9 9 5 7 A Iications 19 18 29 20 12 26 211 121 14 Percent Denied 31.58% 38.89% 37.93% 25.00% 50.00% 34.62% 42.86%1 41.670/o 50.00% otal Applications 134 73 157 94 91 73 101 54 67 ercentDenied 20.15% 19.18% 24.20% 18.09% 21.98% 17.81% 22.77% 14.81% 17.91% as1.04 8s1.Os 881.66 881.07 882.01 882.02 882.03 883.01 883.02 ercentMio 34% 37% 33% 49% 33% 30% 30% 33% 24% ad Inc. as % of MS 83% 82% 62% 67% 92% 97% 86% 85% 97% ome Purchase Loans HA FMHA & VA Loans Originated 11 16 18 8 8 16 9 17 16 A. A 'd. Not Acc. 1 2 2 1 1 1 Application Denied 1 1 3 4 1 Total Applications 12 17 19 10 8 21 10 22 18 Percent Denied 8.33% 5.88% 0.00% 0.00% 0.00% 14.29% 0.00% 18.18% 5.56% onventional Loans Originated 24 48 35 43 31 39 33 60 58 A. A 'd. Not A 2 3 8 6 6 3 1 5 11 Iication Denied 5 14 7 15 4 5 61 10 11 Total Applications 31 651 48 64 41 47 401 75 s0 Percent Denied 16.13% 21.54% 14.68% 23.44% 9.76% 10.64% 15.00% 13.33% 13.75% Home Improvement Loans Originated 2 7 9 8 9 11 14 11 7 A. A 'd. Not Ace. 3 5 5 1 1 4 5 Application Denied 1 4 11 7 5 .7 8 5 11 Total Applications 3 14 25 20 15 19 22 20 23 Percent Denied 33.33% 28.57% 44.00% 35.00% 33.33% 36.84°/a 36.36% 25.00% 47.83% Total Applications 46 96 92 94 64 87 72 117 121 Percent Denied 15.22°h 19.79% 19.57% 23.40% 14.06% 17.24% 19.44% 16.24% 19.01% CITY OF GARDEN GROVE: 1998 HMDA DATA 884.01 884.02 684.03 885.01 885.02 886.01 886.02 867.01 887.02 Percent Minority 33% 53% 45% 540/o 53% 47% 38% 52% 53% ed. Inc. as % of MS 91% 68% 840/c 75% 67% 740/o 86% 58% 78% ome Purchase Loans HA FMHA 3 VA Loans Or1 loafed 32 17 48 19 24 35 16 15 9 A 'd. Not Ace. 1 2 1 2 1 1 1 A licatfon Denied 3 1 7 1 1 3 4 1 Total Applications 35 19 57 20 26 40 21 17 10 Percent Denied 8.57% 5.26% 12.28% 5.00% 3.85% 7.50% 19.05°h 5.88°k 0.00% onventlonal Loans Ori inated 67 28 66 27 23 39 27 62 58 A. A 'd. Not A 12 4 16 3 6 5 3 4 3 A Iicatfon Denied 18 4 14 12 9 7 7 7 15 Tot a[ IicaUons 97 38 96 42 38 51 37 73 78 Percent Denied 18.56% 11.11% 14.58% 28.57% 23.68% 13.73% 18.92% 9.59% 19.74% Home Improvement Loans Originated 17 2 14 2 6 7 4 6 7 A. A 'd. Not A 3 3 4 2 2 3 1 2 2 Application Denied 11 2 3 8 2 11 7 10 7 Total Applications 31 7 21 12 10 21 12 20 16 Percent Denied 35.48% 28.57% 14.29% 66.67% 20.00% 52.38% 58.33% 50.00% 43.75% Total Applications 183 62 174 74 74 112 70 110 102 Percent Denied 19.63% 11.29% 13.79% 28.38% 16.22% 18.75% 25.71% 16.380/a 21.57% 888.01 888.02 889.01 889.02 889.03 889.04 890.01 890.02 891.01 ercent Minority 55% 44% 52% 57% 68% 57% 77% 69 57% ed. Inc. a5 % of MS 58% 80% 82% 79% 78% 89% 79% 739'0 79% ome Purchase Loans HA FMHA & VA Loans Originated 30 18 10 10 19 4 17 55 34 A. A 'd. Not A 1 1 1 1 1 8 1 Application Denied 5 2 1 3 1 4 9 5 Total A Iicatfons 36 21 11 12 22 5 22 70 40 Percent Denied 13.89% 9.52% 0.00% 8.33% 13.64% 0.00°h 18.18% 12.86% 12.50% onventlonal Loans Originated 48 47 59 44 72 51 50 60 49 A. A 'd. Not A 7 3 7 3 7 7 11 10 6 Application Denied 8 8 9 8 13 11 29 35 15 Total Applications 63 58 75 55 92 69 90 105 70 Percent Denied 12.70% 13.790/a 12.00% 14.55% 14.13% 15.940/a 32.22 33.33° 21.43% Home Improvement Loans Originated 7 6 6 8 11 5 13 20 11 A. A 'd. Not A 4 3 2 5 4 2 3 8 Application Denied 5 7 2 7 8 4 8 15 9 Total Applications 16 18 10 20 23 11 19 38 28 Percent Dented 31.25% 43.75% 20.00% 35.00% 34.78% 36.38% 31.58% 39.47% 34.62% Total A IlceUona 115 95 96 87 137 85 131 213 138 Percent Denied 15.65% 17.89% 11.46% 18.39% 17.52% 18.82% 29.77% 27.70% 21.32% if • CITY OF GARDEN GROVE: 1998 HMDA DATA 0 0 0 891.02 891.04 992.03 998.01 999.02 999.031 999.051 999.06 1100.01 Percent Minor( 55% 82% 51% 45% 40% 52% 20% 19% 18% Med. Inc. as % of MS 78% 53% 98% 730/c 89'/° 76% 86%1 123% 102% Home Purchase Loans HA FMHA & VA Loans Originated 36 1 9 8 19 141 2 811 8 A. A 'd. Not Acc 1 1 1 Application Denied 6 3 1 5 Total Applications 43 11 9 121 21 19 2 8 8 Percent Denied 13.95% 0.00%1 0.000/c 25.00% 4.76% 26.32% 0.00% 0.000% 0.00% Conventional Loans Originated 32 12 71 48 49 38 21 70 84 A. A 'd. Not Am 4 3 3 7 1 2 2 6 7 Application Denied 9 11 12 10 9 8 2 9 6 Total Applications 45 26 86 65 59 481 25 851 97 Percent Denied 20.00% 42.31% 13.95% 16.38% 15.25% 16.67% 8.00% 10.69% 6.190/c Home Improvement Loans Originated 12 6 6 3 1 6 12 1 7 12 A. ApWd. Not Acc 1 2 1 4 2 1 Application Denied 10 2 1 8 4 4 10 1 3 Total Applications 23 81 16 7 11 26 4 11 12 Percent Denied 43.480/a 25.00%1 50.00% 57.14% 36.36% 38.46% 25.00% 27.27% 0.00% Total Applications 111 35 111 84 91 93 31 104 117 Percent Denied 22.52% 37.14% 18.02% 20.24% 15.38% 24.73% 9.68% 11.54% 5.13% 1100.03 1100.04 1100.05 1100.1 city Percent Minority20% 18% 13% 35% ad. Inc. as % of MS 109% 122% 119% 118% Home Purchase Loans FHA FMHA & VA Loans Originated 1 10 181 2 2 849 AnD. A 'd. Not Acc. 11 1 44 Application Denied 3 101 Total Applications 13 19 2 3 994 Percent Denied 23.08% 0.00% 0.00% 0.00%l 10.16% onventional Loans Originated 56 123 67 87 2 330 A. ApWd. Not Acc 4 8 5 8 271 Application Denied 12 14 3 9 505 Total Applications 72 145 75 104 3,106 Percent Denied 16.67% 9.66%1 4.00% 8.65% 16.26% Home Improvement Loans Originated 13 10 10 7 431 A. A 'd. Not A 1 4 2 105 Application Denied 1 5 5 5 306 Total Applications 15 19 17 12 842 Percent Denied 6.67% 26.32% 29.41% 41.67°k 36.34°/a otal Aoollcaflons 100 183 94 119 4 942 percent Denied 1 16.000/ 10.38% 8.51% 11.76% 18.45% CITY OF HUNTINGTON BEACH: 1998 HMDA DATA 0 992.12 992.14 992.15 992.16 992.171 992.201 992.351 992.37 992.38 992.39 Percent Minority 29% 16% 240/c 22% 12% 13% 18% 18% 22% 19% ed. Inc. as % of MSA 81% 91% 950% 102% 153% 105% 84% 110% 148% 125% Home Purchase Loans FHA FMHA & VA Loan Originated 20 4 47 11 7 81 5 31 1 1 pp. A 'd. Not Acc. 1 1 -A Aimlication Denied 1 1 1 Total Applications 22 4 48 12 8 8 5 3 0 1 Percent Denied 4.55% 0.00% 2.08% 8.33% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Conventional Loan Originated 55 52 89 941 52 78 83 109 75 73 A. Appd. Not Acc. 2 6 9 11 4 9 11 15 1 4 Application Denied 10 12 15 12 4 21 9 30 6 5 Total Applications 67 70 113 117 60 108 103 154 82 82 Percent Denied 14.93% 17.140/a 13.27% 10.26% 6.67% 19.44% 8.74% 19.48%1 7.32% 6.10% Home Im movement Loan Originated 61 5 14 6 6 5 5 13 15 10 A. A 'd, Not Acc. 1 1 2 2 2 4 1 Application Denied 4 6 5 5 2 4 3 2 4 4 Total Applications 11 12 1 21 ill 10 9 8 17 23 15 Percent Denied 36.36% 0.00% 23.81% 45.45% 20.00% 44.440/6 37.50% 0.00% 17.39% 26.67% Total Applications 100 86 182 140 78 125 116 174 105 98 Percent Denied 15.00% 20.93% 11.54% 12.86°% 7.69% 20.00% 10.34% 18.39%1 9.52% 9.18% 992.40 992.41 992.42 992.43 992.44 992.45 992.46 993.02 993.05 993.06 Percent Minors 13% 27% 31% 15% 9% 20% 26% 12% 27% 15% ad. Inc. as % of MSA 123% 102% 112% 126% 110% 136% 131% 105% 78% 92% Home Purchase Loans FHA, FMHA & VA Loan Originated 2 6 3 6 21 2 5 8 16 A. Appd. Not Acc, 1 1 1 2 Application Denied 3 2 3 1 2 2 Total Applications 6 7 5 10 0 2 21 6 12 18 Percent Denied 50.00% 0.00% 46.00% 30.00% 0.00% 0.00% 0.00% 16.67% 18.67% 11.11% Conventional Loan Originated 73 37 45 102 1 100 72 64 323 2621 121 App. ApWd. Not Arc. 3 ill 5 15 7 6 10 53 581 18 Application Denied 9 3 12 23 8 9 8 62 57 20 Total Applications 85 51 62 140 115 87 82 438 377 159 Percent Denied 10.59% 5.88% 19.35% 16.43% 6.96% 10.340/c 9.76% 14.16% 15.120/a 12.58% Home Im rovement Loan Originated 14 6 6 12 7 9 12 17 4 12 A. ApWd. Not Acc. 1 1 1 1 2 2 1 1 Application Denied 4 1 1 11 1 5 4 7 6 Total Applications 18 7 8 241 9 15 18 26 11 13 Percent Denied 122.22%1 14.29% 12.50% 45.83% 11.11% 33.33% 22.22% 26.92% 54.55% 0.00% otal Applications 1 1091 65 75 174 124 104 102 470 400 190 Percent Denied 14.68% 6.15% 20.00% 21.26% 7.26%1 13.46%1 11.76% 14.89%116.25%1 11.58% CITY OF HUNTINGTON BEACH: 1998 HMDA DATA 0 ... 1993.071 993.081 993.091 994.021 994.041 994.05 994.061 994.071994.081 994.10 PercentMinori 13°a 13% 10% 61% 14% 28% 19% 12% 24% 24% Med. Inc. as % of MSA Home Purchase Loans 85% 195°/a 128% 61%1 123% 108% 121% 105% 95% 85% FHA FMHA & VA Loan Originated 1 121 51 1 71 1 311 111 1 App. A 'd. Not Acc. 1 1 Application Denied 1 I 1 1 Total Applications 0 01 141 61 01 81 01 31 11 1 Percent Denied 0.00% 0.00%1 7.14%1 0.00%1 O.DO%l 12.50% 0.00% 0.00%1 0.00%1 0.00% Conventional Loan Originated 55 1791 2321 521 1141 671 701 391 861 35 App. A 'd. Not Acc. 10 461 391 141 121 131 71 21 61 2 Agmilcation Denied 11 351 411 191 181 191 7 31 221 5 Total Aimlications 76 2601 3121 851 1441 891 841 441 1131 42 Percent Denied 114.47%. 13.46%1 13.14%1 22.35%1 12.50%1 21.36%1 8.33%1 6.82%1 19.47%1 11.90°/a Home Im rovement Loan Originated 1 41 ill 171 101 71 11 6 8 11 4 A. AnWd. Not Acc. 1 1 21 101 1 21 11 11 11 11 Application Denied 1 41 51 31 61 11 51 41 1 4 Total.Applications 1 81 181 301 151 101 171 111 91 151 5 Percent Denied 150.00% 27.78% 10.00°/a 33.33%1 10.000/c 29.41% 36.36%1 0.00%126.67%1 0.00% otal A licatins o 84 278 356 106 154 114 95 56 129 48 Percent Denied 17.86% 14.390/c 12.64% 22.64% 12.3401a 21.93% 11.580/a 6.36%120.16%1 10.42% 994.11 994.12 994.13 994.15 994.16 994.17 995.07 995.081996.021 996.03 Percent Minori 31% 15% 30% 20% 14% 15% 12% 13%1 280/4 21% Ivied. Inc. as % of MSA 73% 120% 105% 153% 91% 136% 208% 96% 102% 119% Home Purchase Loans FHA, FMHA & VA Loan Ori inated 17 10 7 1 21 18 11 7 911282 A. A 'd. Not Acc. 1 1 1 1 A Iica80n Denied 2 1 1 1 2 1 2 Total A lications 18 10 9 2 22 20 14 8 12 Percent Denied 0.00% 0.00% 22.22% 50.00°/a 4.55% 5.00% 14.29% 12.50% 16.67% onventional Loan Ori inated 49 69 175 164 86 92 333 55 78 App. A 'd. Not Ace. 12 5 381 24 51 5 35 141 141 7 Application Denied 14 4 34 9 161 81 52 1 231 161 24 Total Applications 75 78 247 187 1071 1051 420 92 1081 159 Percent Denied 18.87% 5.13% 13.77% 4.81% 14.95°/ 7.62%1 12.38%1 25.000/c 14.81%1 15.09% Home Improvement Loan Originated 12 5 10 15 4 7 19 3 4 15 A. A 'd. Not Acc. 3 1 2 2 2 4 1 1 5 Application Denied 2 1 4 3 2 1 12 1 4 5 Total Applications 17 8 16 20 6 12 32 5 8 25 Percent Denied 11.76% 12.50% 25.00% 15.00%1 33.33% 8.33% 37.50% 20.00% 50.00% 20.00% Total Applications 110 98 272 209 135 137 488 105 128 192 PeroentDenied 14.55% 5.21% 14.71% 6.22% 14.07% 7.30% 14.16% 23.81% 17.19% 15.10% CITY OF HUNTINGTON BEACH: 1998 HMDA DATA • 101 996.04 996.05 1 997.021 997.03 CI Percent Minod 220/0 22% 31%1 34°/a Med. Inc. as % of MSA 1120/0 1270/a 99% 120% Home Purchase Loans FHA FMHA & VA Loan Originated 3 1 13 4 315 App. A 'd. Not Acc. 13 Application Denied 2 1 1 32 Total Applications 3 3 1 14 51 360 Percent Denied 0.00% 66.67% 7.14% 20.00% 8.89% Conventional Loan Ori inated 80 69 95 55 4,396 App. ApWd. Not Acc. 5 8 18 10 608 A Iicatton Denied 7 14 28 12 776 Total A licattons 92 91 141 77 5 780 Percent Denied 7.61% 15.38% 19.86% 15.580/0 13.43% Home Improvement Loan Originated 5 111 13 8 1 404 App. A'd.NotAcc. 5 1 3 1 71 Application Denied 3 4 3 2 157 Total Applications 13 16 19 11 632 Percent Denied 23.08% 25.00% 15.79% 18.18% 24.84'/0 Total Applications 108 110 174 93 6,772 Percent Denied 9.26% 18.18% 18.39% 16.13% 14.25% CITY OF IRVINE: 1998 HMDA DATA • • 0 524.04 524.05 524.08 524.10 524.121 525.011 525.05 525.061 525.11 Percent Minority 38% 26% 17% 240/c 28% 39% 27% 16% 20% Med. Inc, as % of MSA 56% 124% 146% 101% 109% 56% 95%1 122% 127% Home Purchase Loans FHA, FMHA & VA Loans Originated 35 16 15 9 39 81 151 1 5 A . d. Not Acc. 2 2 2 Application Denied 7 1 6 3 1 Total Applications 44 18 16 9 47 11 16 1 5 Percent Denied 15.91% 0.00% 6.25% 000% 12.77% 27.27% 6.25% 0.00% 0.00% Conventional Loans Originated 180 271 187 1521 753 98 97 60 187 App. ApWd. Not Ace. 61 36 20 16 166 25 11 2 37 Application Denied 25 33 28 14 138 25 15 5 29 Total Applications 256 340 235 182 1,057 148 123 67 253 Percent Denied 9.77% 9.71% 11.91% 7.69% 13.06% 16.89%1 12.20% 7.46% 11.46% Home Improvement Loans Originated 6 21 12 18 40 9 10 8 11 A. A 'd. Not Ace. 1 3 1 4 7 2 1 2 Application Denied 8 4 8 1 8 9 2 6 6 5 Total Applications 15 28 21 30 56 11 18 15 18 Percent Denied 53.33% 14.29% 38.10% 26.67% 16.07% 18.18% 33.33% 40.00% 27.78% Total Applications 315 386 272 2211 1160 1701 157 83 276 Percent Denied 12.70% 9.59% 13.60% 9.95% 13.19% 17.65% 14.010/c 13.25%j 12.32% 525.12 525.13 525.14 525.15 525.16 525.17 525.18 525.95 525.96 Percent Minority 23% 22% 26% 39% 33% 16% NIA 300/c 32% Med. Inc. as % of MSA 130% 123% 128% 47% 130% 94 NIA 137% 123% ome Purchase Loans HA FMHA & VA Loans Originated 26 14 9 15 14 40 7 21 2 A. Appd. Not Acc. 1 1 3 14 2 Application Denied 2 1 1 6 10 1 Total Applications 29 15 9 16 14 49 31 24 2 Percent Denied 6.90% 6.67% 0.00% 6.25% 0.00% 12.24% 32.26% 4.170/c 0.00% Conventional Loans Originated 215 136 112 134 280 67 17 593 131 App. A 'd. Not Acc. 17 17 12 22 35 3 27 93 17 Application Denied 36 26 13 28 46 91 17 77 16 Total Applications 268 178 137 184 361 791 61 763 164 Percent Denied 13.43% 14.61%1 9.49% 16.22% 12.74% 11.39%1 27.87% 10.09% 9.76% Home Improvement Loans Originated 15 9 6 8 21 4 35 10 A. AppU Not Ace. 1 3 1 2 1 11 1 Application Denied 4 7 1 5 15 4 14 2 Total Applications 20 19 8 15 37 8 0 60 13 Percent Denied 20.00% 36.84% 12.50% 33.33°k1 40.54% 50.00% 0.00% 23.33% 15.38% Total Applications 317 212 164 215 412 136 92 847 179 Percent Denied 1 13.26%1 16.04%1 9.09%1 15.81%1 14.81%1 13.970/ 29.35% 10.86% 10.06% CITY OF IRVINE: 1998 HMDA DATA • rr • • Minority ed. as % of MSA Home Purchase Loans 525.971 34% 24% 525,981 22 130% 626 169%l %6N/ NIAJ 626.11626.12 22% 93% 17% 125% 82636614 W N/ 441Peent 661 626%8 10Inc. 203% HA FMHA & VA Loans Originated A. A 'd. Not Acc. Application Denied Total A Iications Percent Denied onventional 3 3 0.00% 41 1 1 61 16.67%1 I 1 1 11 100.00%1 1 81 1 11 1 91 0.00%1 11 1 11 21 0.00%l 61 1 11 1 81 12.50% 01 0.000/o 1 42 1 2 6 501 12.00% 1 1 0 0.000/0 Loans Ori inated A . A 'd. Not Acc. A lication Denied Total A lications Percent Denied Home Im rovement 194 20 22 236 9.32% 82 1 51 141 101 13.86% 136 341 28 198 14.14% 59 151 211 95 22.11%1 59 5 8 72 11.11% 171 19 21 211 9.95% 0 0.00%1 2131 1 42 1 35 290 12.07% 249 38 29 316 9.18% Loans Ori inated A. A 'd. Not Acc. A Iication Denied Total Applications Percent Denied 10 2 3 15 20.00% 6 3 1 10 10.00% 61 2 4 12 33.33% 8 1 2 11 18.18% I 4 4 0.00% 13 3 3 19 15.79% 0 0.00% 2 2 0.00%1 24 3 7 34 20.59% 2 PIications Percent Denied 2541 1 9.84%1 1171 13.68%1 2111 15.64%1 1151 20.00%1 781 11.54%j 2381 10.50%1 01 o.00%I 3421 11.99%1 350 10.29'/° 626.211 626.26 626.271 626.281 626.291 626.301 626.311 Cityl V;nt Minority 19% 34% 30% 12% 20% 18%1 Igo/ d. Inc. as % of MSA 1 112% 79% 95%1 141%1 1570/6 180% 239%11 hase Loans 8 Inated 71 4 6 1 437'd. RFFMHA Not Aoo. 5 1 37n Denied 8 84 5 6 0 0 0 1 57lications 531 enied 9.52% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 10.73%al Loans Originated 1011 18 441 371 771 801 1121 5.3011 App. A 'd. Not Acc. 12 1 111 611 131 71 131 848 Application Denied 21 8 9 3 3 8 8 818 Total A Iications 134 27 64 46 93 95 133 6.9671 Percent Denied 15.67% 29.63% 44.06% 6.52% 3.23% 8.42% 6.02% 11.74% ome Im rovement Loans Originated 12 3 1 4 3 339 A. A 'd. Not Acc. 4 1 1 61 lication Denied 8 1 1 2 3 141 Total A Iications 22 0 4 1 2 6 7 541 Percent Denied 27.27% 0.00% 25.00% 100.00% 0.D0% 33.33% 42.86% 26.06% otal A Iications 240 32 74 47 95 101 141 8 038 Percent Denied 14.58% 25.00% 13.51% 8.51% 3.16% 9.90% 7.80°/ 1264% CITY OF LA HABRA: 1998 HMDA DATA U u 11.011 11.02 11.031 12.001 13.011 13.031 13.041 14.01 Percent Minority 210/c 31% 38% 60% 23% 51% 65% 30% Mad. Inc. as % of MSA 105% 96% 79% 69% 91%1 760/a 61 % 92% Home Purchase Loans FHA FMHA & VA Loans Originated 16 101 ill 341 281 311 181 11 A. ApWd. Not Ace. 2 1 11 1 1 4 Application Denied 4 11 21 141 41 81 11 2 Total Applications 1 22 ill 14 491 321 431 19 13 Percent Denied 1 18.18%1 9.09%1 14.29%1 28.57%1 12.50% 18.60% 5.26°/u 15.38 a onventional Loans Ori inated 1 771 401 261 441 911 441 14 32 A. A 'd. Not Acc. 1 201 11 21 51 141 51 1 7 Application Denied 1 1341 14 41 321 181 51 9 21 Total Applications 1 2311 651 321 811 1231 541 24 60 Percent Denied 58.01%1 25.45%1 12.50%1 39.51%1 14.63%1 9.26%1 37.50% 35.00% Home improvement Loans Originated 1 121 91 101 181 181 231 12 9 A. A 'd. Not Acc. 5 3 1 3 1 2 1 5 A lication Denied 1 12 31 41 12 15 71 1' 11 Total Applications 1 29 151 15 33 341 32 141 25 Percent Denied 41.380/c 20.000/c 26.67%1 36.36% 44.12%1 21.88% 7.140% 44.000/c Total Applications 282 81 61 163 1891 129 57 98 ercent Denied 19.46% 12.50% 24.24% 27.19% 39.29% 25.00% 7.14% 33.90% 14.02 14.03 14.04 15.01 16.01 17.03 17.05 Ci accent Minority29% JH, 17% 48% 16% 18% 43% 28% ed. Inc. as % of MSA 95% 104% 78% 113% 131% 129% 122% ome Purchase Loans FMHA & VA Loans Ori inated 12 4 32 4 8 16 14 249 A. A 'd. Not Acc. 1 I I 1 I 1 1 1 2 14 Application Denied 3 11 31 1 11 2 46 Total Applications 16 51 35 51 101 19 16 309 Percent Denied 18.75%1 20.00% 8.570/c 0.00%1 10.00%1 10.53% 0.00% 14.89% Conventional Loans Ori inated 1 401 511 11 1051 1091 179 61 924 App. AppId. Not Ace. 1 61 41 2 131 181 14 6 118 Application Denied 1 51 71 3 291 151 17 8 321 Total Applications 1 511 621 16 1471 142 210 751 1,363 Percent Denied 9.80%1 11.29%1 18.76% 19.73%1 10.56% 8.10% 10.67%1 23.55% ome Improvement Loans Originated 81 10 5 81 15 29 181 204 A. Appd. Not Acc. 1 3 11 1 9 31 39 Application Denied 6 2 11 5 7 12 11 119 Total Applications 14 13 19 14 23 50 32 362 Percent Denied 42.86% 15.38% 57.89% 35.71% 30.43% 24.00% 34.38% 32.87% olal Applications 81 80 70 166 175 279 123 2034 Percent Denied 17.28% 12.50% 24.29% 20.48% 13.140/c 11.11% 15.456% 23.89% CITY OF NEWPORT BEACH: 1998 HMDA DATA • • 626.10 626.17 626.18 627.01 627.02 627.99 628.001 629.001 630.04 ercent Minority N/ 6% 10% 4% 5% N/ 7% 5% 6% ed. Inc. as % of MSA NIA 202% 203% 223% 152% NIA 119% 2230/c 119% Home Purchase Loans FHA, FMHA & VA Loan Ori inated 8 1 4 App. A 'd. Not Acc. 1 3 Application Denied 1 1 Total Applications 9 0 0 0 4 1 0 0 1 5 Percent Denied 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 0.00% Conventional Loan Ori inated 59 289 249 97 167 93 90 184 App. A 'd. Not Acc. 15 42 38 20 37 15 19 37 Application Denied 21 51 29 31 31 23 14 43 Total Applications 95 382 316 148 235 0 131 123 264 Percent Denied 22.11% 13.35% 9.18% 20.95% 13.19% 0.00% 17.56% 11.38% 16.29% Home Improvement Loan Originated 8 12 24 71 11 1 3 4 14 A. A 'd. Not Acc. 1 3 3 3 3 Application Denied 2 1 7 1 5 2 1 8 Total Applications 11 16 34 8 19 0 5 4 25 Percent Denied 18.18% 6.25% 20.59% 12.50% 26.32% 0.00% 40.00% 0.00% 32.00% otal A lications 115 398 350 156 258 0 136 128 294 Percent Denied 20.00% 13.07% 10.29% 20.51% 13.95% 0.00% 18.38% 11.72% 17.69% 630.05 630.06 630.07 630.08 630.09 630.10 631.01 631.03 633.00 Percent Minority 8% 5% 8% 11% 10% 8% 16% 11% 10% ad. Inc. as % of MSA 239% 141 % 224% 199% 132°/ 143% 78% 151% 86% ome Purchase Loans HA FMHA & VA Loan Ori inated 1 1 1 1 4 App. A 'd. Not Acc. 1 Application Denied 1 Total Applications 0 1 0 2 1 0 2 1 01 4 Percent Denied 0.00% 0.00% 0.00% 0.00%1 0.00% 50.00% 0.00% 0.00%1 0.00% onventional Loan Ori inated 17 67 198 52 70 148 28 57 138 App. A 'd. Not Acc. 2 4 29 8 12 27 10 7 19 A IiceIlon Denied 5 9 27 7 9 19 9 6 27 Total A Iicet(ons 24 80 254 67 91 194 47 70 184 Percent Denied 20.83% 11.25% 10.63% 10.45°A 9.89% 9.79% 19.15% 8.57% 14.67% Home Improvement Loan Ori inated 2 11 3 1 13 3 5 10 A. ApWd. Not Ace. 3 1 1 3 1 2 Application Denied 1 6 1 1 7 1 1 10 Total A lications 0 3 20 4 3 23 4 7 22 Percent Denied 0.00% 33.33% 30.00% 25.00% 33.33% 30.43% 25.00% 14.290/a 45.45% otal A Iications 24 84 274 73 94 219 52 77 210 ercent Denied 20.83% 11.90% 12.04% 10.96% 10.64% 12.33% 19.23% 9.09% 17.62% CITY OF NEWPORT BEACH: 1998 HMDA DATA • 634.00 635.00 636.01 636.02 636.03 Cl PercentMino 8% 8% 27% 51% 7% Vied. Inc. as % of MSA 135% 125% 94% 52% 95% ome Purchase Loans HA FMHA & VA Loan Originated 24 12 4 61 A. A 'd. Not Acc. 1 2 8 Application Denied 1 3 4 1 12 Total Applications 1 0 28 18 5 81 Percent Denied 100.00% 0.00% 10.71% 0.00% 20.00% 14.81% onventional Loan Originated 121 140 86 47 166 2,563 App. A 'd. Not Acc. 9 28 3 10 19 410 Application Denied 23 54 15 10 45 508 Total Applications 153 222 104 67 230 3,481 Percent Denied 15.03% 24.32% 14.42% 14.93% 19.57% 14.59% Home Im rovement Loan Originated 7 5 8 14 5 170 A. ApWd. Not Acc. 2 1 2 2 2 32 Application Denied 5 8 4 4 2 77 Total Applications 14 14 14 20 9 279 Percent Denied 35.71% 57.14% 28.57% 20.00% 22.22% 27.60% otal A 'cationsI 168 236 146 105 244 3,841 ercent Denied 1 17.26% 26.27% 15.07%l 17.14% 19.67%1 15.54% CITY OF ORANGE: 1998 HMDA DATA • 1] L 219.04 219.09 219.10 219.11 219.12 219.131 219.141 219.981 524.12 Percent Minority 22% 17% 22% 25% 14% 60% 35% 17% 26% Vied. Inc. as % of MSA 178% 151 % 1480/c 160% 177% 97%1 113% 106% 160%' ome Purchase Loans FHA FMHA & VA Loans Originated 16 43 15 74 1 9 8 22M166 A. A 'd. Not Ace. 1 10 1 Application Denied 4 3 5 1 2 Total Applications 16 47 19 89 1 11 8 24 Percent Denied 0.00% 8.51% 15.79% 5.62% 0.00% 9.09% 0.00% 8.33% Conventional Loans Originated 260 257 282 518 116 112 65 308 A . A 'd. Not Acc. 42 42 14 79 14 13 7 60 Application Denied 48 49 36 81 9 28 13 74 138 Total Applications 350 348 332 678 139 153 85 442 1 057 Percent Denied 13.71% 14.080/6 10.84% 11.95% 6.47% 18.30% 15.29% 16.74% 13.66% Home Improvement Loans Originated 18 20 34 32 12 11 2 28 40 A. A 'd. Not Acc. 3 7 4 7 4 3 2 6 7 Application Denied 13 11 9 11 3 7 8 8 9 Total Applications 34 38 47 501 19 21 12 42 56 Percent Denied 38.24% 28.95% 19.15% 22.00% 15.79% 33.33%j 66.67% 19.05%1 16.07% Total Applications 400 433 398 817 159 185 105 508 1160 Percent Denied 15.25% 14.78% 12.06% 11.87% 7.55% 19.48% 20.00% 16.54% 13.19% 756.04 756.05 758.02 758.04 758.05 758.08 758.07 758.08 758.09 ercent Minority 17% 27% 15°/0 44% 22% 24% 34% 19% 15% ad. Inc. as % Of MSA 19% 190% 123% 88% 84% 88% 105% 123% 202% Home Purchase Loans' HA FMHA & VA Loans Ori inated 9 25 7 20 8 8 15 2 A. A 'd. Not Acc. 1 1 2 Application Denied 2 5 5 1 1 Total Applications 12 311 7 27 8 9 15 3 0 Percent Denied 16.67% 16.13% 0.00% 18.52% 0.00% 11.11% 0.00% 33.33% 0.00% Conventional Loans Originated 233 304 185 104 37 54 65 87 75 App. Appld. Not Arc. 31 36 24 121 5 3 1 9 101 9 Application Denied 40 28 47 20 6 15 10 61 5 Total Applications 304 368 256 136 48 72 84 103 89 Percent Denied 13.16% 7.61% 18.36% 14.71% 12.50% 20.83% 11.90% 5.83% 5.62% Home Improvement Loans Originated 13 181 18 10 4 9 8 6 11 A. A 'd. Not Acc. 2 3 1 3 2 1 1 2 4 Application Denied 5 9 8 11 1 9 12 2 9 Total Applications 20 30 27 24 7 19 21 10 24 Percent Denied 25.009/a 30.00% 29.63% 45.83%j 14.29% 47.37% 57.14% 20.00% 37.50% 0tal Applications 336 429 290 187 63 100 120 716 113 ParcentDenied 13.99% 9.79% 18.97%1 19.25% 11.11% 25.00%1 18.33%1 7.76% 12.39% CITY OF ORANGE: 1998 HMDA DATA 758.10 758.11 758.12 759.01 759.02 760.00 761.01 761.02 761.03 • Percent 19% 32% 41% 38% 30% 31% 42% 42% 50% as % of MSA 196% 97% 94% 70% 77% 89% 79% 79% 73% chase Loans A & VA Originated 2 4 4 24 18 54 11 2 12 'd. Not Acc. 1 1 3 1 1 Application Denied 1 1 2 2 3 3 3 licatlons 2 6 51 261 211 601 151 21 16 Percent Denied 0.00% 16.67% 20.00%1 7.69%1 9.52% 5.00% 20.00%1 0.00%1 18.75% onventional Loans Od inated L 551 471 541 311 821 591 461151 65 A. APWd. Not Acc. 1 71 161 101 5 71 61 5 61 16 A Ilcation Denied 10 10 14 13 10 22 14 14 18 Total A Iicalions 1 721 731 781 491 991 871 6511351 99 Percent Denied 1 13.89%1 13.70%1 17.95%1 26.53%1 10.10%1 25.29%1 21.54%1 40.00%1 18.18% Home Improvement Loans Ort inated 4 8 14 4 7 12 4 1 9 A. A 'd. Not Acc. 1 3 2 2 3 3 4 A Ilcation Denied 3 4 3 6 6 8 1 6 Total A lications 8 15 19 12 16 23 5 1 19 Percent Dented 37.50% 26.67% 15.79% 50.00% 37.50% 34.78% 20.00% 0.00% 31.58% otal Applications 82 94 102 87 136 170 85 38 134 anent Denied 1 15-85%1 15.96% 17.-65%1 24.14%1 13.24%1 19.41%1 21.18%1 36.84%1 20.16% -5-2.011 762.021 762.041 762.051 762.061 762.07 762.971 762.981 863.03 Percent Minority 20% 34% 77% 32% 14% 54% 17% 16% 32% ad. Inc. as % of MSA 1 109% 91 % 44%1 100% 96%1 135% 97% 105% 90% ome Purchase Loans • HA FMHA & VA Loans 06 inated 1 231 151 31 181 81 11 121 51 34 A. A 'd. Not Acc. 1 21 1 1 1 1 1 1 11 1 A Ilcation Denied 1 31 11 31 1 21 11 1 7 Total A lications 1 281 161 31 211 81 31 13 61 42 Percent Denied 1 10.71% 6.25%1 0.00%1 14.29%1 0.00%1 66.67%1 7.69%1 0.00%1 16.67% onventlonal Loans Oriinated 1 881 191 81 641 891 151 751 361 34 A. A 'd. Not Acc. 1 71 21 11 61 151 31 71 31 6 AVDIIcatlon Denied I ill 51 31 121 181 1 121 61 8 Total Aimlications 106 26 12 82 122 18 94 45 48 Percent Denied 10.38% 19.23% 26.00%1 14.63%1 14.75% 0.00% 12.77%1 13.33%1 16.67% ome Im rovement Loans Ori inated 1 161 41 21 91 61 41 91 71 9 A. A 'd. Not Ace. Not 1 1 6 1 1 3 3 A Ilcatlon 5 2 1 7 3 1 6 4 8 Total A Ilcations 22 7 3 22 10 6 18 14 17 Percent Denied 22.73% 28.57% 33.33% 31.82% 30.00% 16.67% 33.33% 28.57% 47.06% 107 otal A lieatfons 921,d 156 49 18 125 140 27 125 65 Pane 12.18% 16.33% 22.22% 17.60% 15.00% 11.11% 15.20% 15.38% 21.50% • CITY OF ORANGE: 1998 HMDA DATA C� i 0 864.07 Ci Percent Minority28% ad. Inc. as % of MSA 96% Home Purchase Loans FHA FMHA & VA Loans Originated 19 590 App. Appd. Not A- 29 Application Denied 7 74 Total Applications 26 693 Percent Denied 26.92% 10.68% onventional Loans Originated 54 4,751 App. A 'd. Not Acc., 8 712 Application Denied 131 866 Total Applications 751 6.329 Percent Denied 17.33%1 13.68% Home improvement Loans Originated 1 101 433 A . A 'd. Not Acc. 6 102 A Iication Denied 11 230 Total A IicaBans 1 271 765 Percent Denied 1 40.74% 30.07% otal Appllcafions 1 1281 7 787 ercent Denied 1 24.22%1 15.03% CITY OF SANTA ANA: 1998 HMDA DATA 525.01 740.03 740.04 740.05 740.061 741.011 741.021 741.03 741.04 • Percent Minority 39% 92% 51% 75% 41% 88% 83% 78% 61% Mod. Inc. as % of MSA 56% 60% 97% 84% 780/a 78% 82% 81%1 106% Home Purchase Loans FHA, FMHA & VA Loans Originated 8 6 29 19 45 54 42 29 29 A. A 'd. Not Acc. 3 2 2 4 3 2 Application Denied 3 1 3 1 7 2 7 2 1 Total Applications 11 10 34 22 1 56 56 52 31 32 Percent Denied 27.27% 10.00% 8.82% 4.55% 12.50% 3.57% 13.46% 6.46% 3.13% Conventional Loans Ori inated 98 7 59 48 31 51 34 11 83 A. A 'd. Not Acc. 25 13 5 9 5 9 1 3 9 Application Denied 25 11 7 6 8 26 21 3 27 Total Applications 148 31 71 63 44 86 66 17 119 Percent Denied 16.89% 35.48% 9.86% 9.52% 18.18% 30.23% 37.50% 17.65% 22.69% Home Improvement Loans Originated 9 3 16 10 14 8 16 4 20 A. A 'd. Not Acc. 1 4 4 5 1 2 5 Application Denied 2 5 6 9 10 141 13 4 12 Total Applications 11 8 23 23 28 27 30 10 37 Percent Denied 18.18% 62.50% 26.09% 39.13% 35.71% 51.85% 43.33%1 40.00% 32.43% otal Applications 170 49 128 108 128 169 138 58 188 ercent Denied 17.65% 34.69% 12.50%1 14.81% 19.53% 24.85% 29.71% 15.52% 21.28% 741.06 741.07 742.00 743.00 744,03 744.04 744.05 744.06 745.01 arcent Minority 35% 22% 86% 95% 86% 54% 91% 87% 97% ad. Inc, as % of MSA 78% 91% 62% 68% 48% 61% 42% 47% "% ome Purchase Loans • HA, FMHA & VA Loans Originated 41 16 54 36 1 62 21 15 13 A. A 'd. Not Acc. 4 3 1 1 2 1 3 Application Denied 3 1 11 7 21 3 7 3 Total Applications 48 16 68 44 2 85 25 25 16 Percent Denied 6.25% 0.00% 16.18% 15.91% 0.00% 24.71% 12.00% 28.00% 18.75% onventional Loans Originated 37 77 21 7 11 16 6 11 4 A. Appld. Not Acc. 8 7 101 4 3 9 5 5 1 Application Denied 23 14 3 3 7 1 21 6 1 .5 3 Total Applications 68 98 34 14 21 46 17 21 8 Percent Denied 33.82% 14.29% 8.82% 21.43% 33.33% 45.65% 35.29% 23.81% 37.50% Home Improvement Loans Originated 11 1 16 7 4 7 2 4 4 A 'd. Not Acc. 1 3 1 1 2 1 Apolication Denied 3 10 13 3 5 2 3 3 Total Applications 14 2 29 21 8 14 4 7 8 Percent Denied 21.430/a 0.00% 34.48% 61.900/c 37.50% 35.71% 50.00% 42.86% 37.50% Total Applications 130 116 1311 791 311 145 46 53 32 Percent Denied 122.31% 12.07% 18.32%1 29.11%1 32.26%1..32.41%1 23.91%1 28.30% 28.13% • CITY OF SANTA ANA: 1998 HMDA DATA 745.021 746.011 746.021 747.011 747.021 748.011 748.021 748.031 748.05 Percent Minors 93% 84% 92% 94% 93% 98% 80% 80% 94% ed. Inc. as 0/6of MLA 66% 60% 56% 63% 60% 55% 50% 82% 47% Home Purchase Loans FHA FMHA & VA Loans Originated 22 54 411 491 291 251 151 451 19 A. A 'd. Not Ace. 11 61 11 1 1 11 21 1 Application Denied 11 13 5 5 21 21 41 51 1 Total A ilcations 24 67 52 55 31 27 20 52 21 Percent Denied 4.17%1 19.40% 9.620/c 9.09% 6.45%1 7.41%1 20.00%1 9.62%1 4.76% onventional Loans Originated 121 28 7 13 30 8 451 331 19 A. A 'd. Not Ace. 1 3 6 1 10 161 71 6 Application Denied 2 12 6 5 10 3 701 2111 8 Total A Ilcations 14 40 16 24 41 21 131 61 33 Percent Dented 14.29% 30.00% 37.50% 20.83%1 24.39% 14.29% 53.44%1 34.43% 24.24% Home Improvement Loans Ori inated 5 16 111 81 101 4 101 141 6 'd. Not Acc. 2 4 3 1 4 4 ation Denied 3 12 15 12 8 2 1 13 3 A lications 10 32 29 21 18 10 17 31 9 nt Denied 30.00% 37.50% 51.72% 57.14% 44.44% 20.00% 9.09% 41.94% 33.33% lications 48 139 97 100 90 58 162 144 63 Denied JFMHA 12.50% 26.62% 26.80% 22.00% 22.22% 12.07% 46.30% 27.08% 19.05% 748.06 749.01 749.02 750.01 750.02 751.00 752.01 752.02 753.01 Minors 99% 96% 97% 87% 88% 68% 93% 87% 55% . es S.of MSA 62% 47% 47% 44% 37% 59% 65% 65% 95% urchase Loans HA & VA Orf inated 21 44 18 151 451 23 391 24 6 A. A 'd. Not Acc. 2 1 51 3 11 4 Application Denied 2 14 8 1 61 3 4 3 1 Total Applications 23 60 26 17 56 29 44 31 7 Percent Denied 8.70% 23.330/c 30.77% 5.88% 10.71% 10.340/a 9.09% 9.68% 14.29% Conventional Loans Originated 3 10 4 43 65 54 6 21 46 A. A 'd. Not Acc. 1 1 2 1 15 22 5 2 3 6 Application Denied 4 51 3 1 14 27 13 3 91 8 Total Applications 8 171 81 72 1 114 72 11 3311 60 Percent Denied 50.00% 29.41%1 37.50%1 19.44%1 23.68% 18.D6%1 27.27%1 27.27% 13.330/c Home Improvement Loans Originated 2 8 101 51 7 141 101 4 5 A. Appd. Not Ace. 21 1 1 1 2 1 Application Denied 1 7 4 2' 11 5 4 1 1 Total Applications 3 15 16 7 19 20 14 7 7 Percent Denied 33.33% 46.67% 25.00% 28.57% 57.89% 25.00% 28.57% 14.29% 14.29% otal lications 34 92 50 96 189 121 69 71 74 PeroentDenled 20.59% 28.28% 30.00% 17.71% 23.28% 17.36% 15.94% 18.310 13.51% • 0 CITY OF SANTA ANA: 1998 HMDA DATA 753.02 753.03 754.01 754.03 754.041 754.051 755.041 755.051 755.09 ercent Minority 65% 27% 29% 35% 38% 22% 16% 29% 57% ed. Inc. as % of MSA 85% 131% 97% 85% 88% 90% 113% 72% 66% Home Purchase Loans HA FMHA & VA Loans Originated 22 9 20 57 12 11 13 A. A 'd. Not Acc. 1 3 3 1 1 A lication Denied 5 9 2 4 3 2 Total Applications 27 19 25 64 13 15 15 Percent Denied 18.52% 47.37% 8.00% 6.25% 0.00% 20.00% 13.33% 0 M3428 onventional Loans Originated 30 76 64 46 91 39 69 A. A 'd. Not Ace. 3 8 3 9 7 2 8 A lication Denied 2 18 13 13 37 5 9 Total Applications 35 102 80 68 135 46 86 50 49 Percent Denied 5.71% 17.65% 16.25% 19.12% 27.41% 10.87% 10.47% 20.00% 34.69% Home Improvement Loans Originated 13 6 2 10 8 3 8 7 8 A. Mold. Not Arc. 2 3 2 2 1 3 Application Denied 5 4 6 7 3 4 4 1 3 Total Applications 20 13 8 17 13 9 12 9 14 Percent Denied 25.00% 30.77% 75.00% 41.18% 23.08% 44.44% 33.33% 11.11% 21.43% Total Applications 82 134 113 149 161 70 113 81 86 Percent Denied 14.63% 23.13% 18.58% 16.11% 24.84% 17.14% 13.27% 13.58% 24.42% 757.01, 766.06 759.02 869.03 890.01 890.02 891.01 891.02 891.04 Percent Minority 18% 24% 30% 68% 77% 69% 57% 55% 82% ed. Inc. as % of MSA 109% 88% 77% 78% 79% 73% 79% 78% 53% Home Purchase Loans HA FMHA & VA Loans Originated 11 8 18 19 17 55 34 36 1 A. A 'd. Not Acc. 1 1 1 6 1 1 Application Denied 1 1 2 3 4 9 5 6 Total Applications 13 91 21 22 22 70 40 43 1 Percent Denied 7.69% 11.11%1 9.52% 13.64% 18.18% 12.86% 12.50% 13.95% 0.00% Conventional Loans Originated 98 54 82 72 501 60 49 32 12 A. ApWd. Not Acc. 8 3 7 7 11 10 6 4 3 Application Denied 20 15 10 13 29 35 161 9 11 Total Applications 126 72 99 92 90 105 70 45 26 Peroent Denied 16.87% 20.83% 10.10% 14.13% 32.22% 33.33% 21.43% 20.00% 42.31% Home Improvement Loans Ori inated 9 9 7 11 13 20 11 12 6 A. ApWd. Not Ace. 2 1 3 4 3 6 1 Application Denied 2 9 6 8 6 15 9 10 2 Total Applications 13 19 16 23 19 38 26 23 8 Percent Denied 15.38% 47.37% 37.50% 34.78% 31.58% 39.47% 34.62% 43.48% 25.00% Total Applications 152 100 136 137 131 213 136 111 35 Percent Denied 1 15.13% 25.00% 13.24% 17.52% 29.77% 27.70%1 21.32%1 22.52% 37.14% CITY OF SANTA ANA: 1998 HMDA DATA 891.05 992.011 992.021 992.03 1 992,271 CitV Percent Minority 95% 76% 64% 51% 41% Vied. Inc. as % of MSA 52% 60% 81 % 980/c 92% ome Purchase Loans FHA FMHA & VA Loans Originated 12 27 29 9 14 1,527 App. Appld. Not Acc. 1 85 Application Denied 6 2 2 229 Total Applications 12 34 31 9 16 1,841 Percent Denied 0.009R, 17.65% 6.45% 0.00% 12.50% 12.44% Conventional Loans Ori inated 5 461 46 71 77 2 290 App. A 'd. Not Acc. 1 141 11 3 7 382 A Iicetfon Denied 12 37 23 12 6 1 813 Total Applications 18 97 80 86 90 3,485 Percent Denied 66.67% 38.140/a 28.75% 13.950/c 6.670/a 23.33% Home Improvement Loans Ori inated 4 27 11 6 10 526 A. A 'd. Not Acc. 5 2 2 98 Application Denied 2 9 9 8 9 363 Total Applications 1 61 36 1 25 16 21 987 Percent Denied 33.331 25.00% 36.00% 50.00% 42.86% 36.78% 6,313 otal Applications 1 361 1671 136 111 127 i Percent Denied 138.89%1 31.14-/ol 25.00% 18.02%1 13.39%f 2.26% • CITY OF TUSTIN: 1998 HMDA DATA 0 • 0 219.141 524.121 525.011 525.021 525.951 525.971 744.041 744.061 754.03 Percent Mino 35% 26% 39% 20%1 3091c 340/o 54% 87% 35%. ed. Inc. as % of MSA 113% 160% 56%1 122% 137% 124% 61% 47% 85% Home Purchase Loans FHA FMHA & VA Loans Ori inated 81 391 81 111 211 31 621 161 57 A. A 'd. Not Acc. 1 21 1 21 21 1 21 311 3 Application Denied 1 611 3 11 11 211 71 4 Total Aoplications 81 471 ill 141 24 3 851 251 64 Percent Denied 0.00% 12.77% 27.270/c 7.14%1 4.17% 0.00% 24.71%1 28.00% 6.250/c onventional Loans Ori inated 65 753 98 1191 593 194 161 11 46 A. App1d. Not Acc. 7 166 25 61 93 20 9 5 9 A lication Denied 13 138 25 141 77 22 21 5 13 Total Applications 85 1,057 148 1391 763 236 46 21 68 Percent Denied 15.29% 13.06% 16.89% 10.07%1 10.09% 9.32% 45.65% 23.81% 19.12% Home Improvement Loans Originated 2 401 9 16 35 10 7 4 10 A. A 'd. Not Acc. 2 71 11 2 2 Application Denied 8 9 2 8 14 3 5 1 3 7 Total Applications 12 56 11 24 60 15 14 7 17 Percent Denied 66.67% 16.07% 18.18% 33.33% 23.33% 20.00% 35.71% 42.86% 41.18% Total Applications 105 1160 170 177 847 254 145 53 149 Percent Denied 20.000/. 13.19% 17.65°/u 12.99% 10.86% 9.84% 32.41% 28.30% 16.11% 755.04 755.05 755.06 755.071 755.081 755.09 756.02 756.031 756.04 ercentMinori 160/c 29%1 180/c 34% 41%1 57% 10% 12% 17% ad. Inc. as % of MSA 113% 72%1 106% 77% 83% 66%1 193% 109% 189% Home Purchase Loans FHA FMHA & VA Loans Ori inated 13 21 7 11 45 181 28 5 9 A. A 'd. Not Acc. 1 3 1 4 2 1 Application Denied 2 1 1 5 1 1 2 Total Avolleations 15 22 11 12 51 23 311 5 12 Percent Denied 13.33% 0.00% 9.09% 8.33% 9.80% 4.35% 3.23% 0.00% 16.67% onventional Loans Originated 69 34 70 38 58 28 277 84 233 A. A 'd. Not Acc. 8 61 9 141 4 4 22 Ill 31 Application Denied 9 10 8 15 16 17 461 151 40 Total Applications 86 50 87 67 78 491 3451 1101 304 Percent Denied 10.47% 20.00% 9.20% 22.39% 20.51% 34.690/c 13.330/c 13.64%1 13.160/c Home Im rovement Loans Originated 8 7 12 4 9 8 15 3 1 13 A. A 'd. Not Acc. 1 2 3 3 2 Application Denied 4 1 6 4 4 3 7 4 5 Total Applications 12 9 20 8 13 14 25 7 20 Percent Denied 33.33% 11.110 30.00% 50.00% 30.77% 21.43% 28.00% 57.14% 25.00% Total Applications 113 81 118 87 142 86 401 122 336 Percent Denied 13.27% 13.58% 12.71/.1 22.99% 17.610/ 24.42% 13.47% 15.57% 13.99% CITY OF TUSTIN: 1998 HMDA DATA • lJ 56.05 757.01 757.02 Ciino ' 27% 18% 15%s °h of MSA 109% 109% 123%hase LoansA 8 VAd W inated 25 11 4 421 'd. Not Acc. 1 1 2gion Denied 5 1 62 lications 31 13 41 511 Percent Denied 16.13% 7.69% 0.00% 12.13% onventional Loans Ori inated 304 --981 561 3.244 361 81 511 498 A Ifcation Denied 281 201 101 562 Total A lications 368 126 71 4.304 Percent Denied 7.61% 15.87% 14.08% 13.06% Home Im rovement Loans Od inated 1 181 91 41 243 L—AA. A 'd. Not Acc. 3 2 2 42 A licatlon Denied 9 2 2 110 Total A lications 30 13 8 395 Percent Dented 30.00% 15.38% 25.00% 27.85% otal A lioations 429 152 83 5,210 ercent Denied 9.79% 15.13% 14.46% 14.09% CITY OF WESTMINSTER: 1998 HMDA DATA • E 889.01 889.04 869.05 992.02 992.03 992.04 992.22 992.23 992.41 Percent Minority 52% 57% 58% 64% 51% 35% 33% 32% 27%, Mad. Inc. as % of MSA 82% 89% 73% 81 % 98% 104% 100% 87% 102% Home Purchase Loans HA FMHA & VA Loans Originated 10 4 5 29 9 4 8 1 6 App. A 'd. Not Acc. 1 1 A Ilcetion Denied 1 1 2 1 1 Total A lications 11 51 6 31 9 5 91 1 7 Percent Denied 0.00% 20.00%1 16.67% 6.45% 0.00% 20.00% 11.11% 0.00% 0.00% Conventional Loans Originated 59 51 54 46 71 57 63 47 37 A. A 'd. Not Acc. 7 7 8 11 3 7 14 18 11 Application Denied 9 11 5 23 12 7 15 8 3 Total Applications 75 69 67 80 86 71 92 73 51 Percent Denied 12.00% 15.94% 7A6% 28.750% 13.95% 9.86% 16.30% 10.96% 5.88% Home Im rovement Loans Originated 6 5 23 11 6 51 4 5 6 A. Appd. Not Acc. 2 2 2 5 2 31 1 1 Application Denied 21 4 3 9 8 31 61 1 Total Applications 10 11 28 25 16 11 ill 6 7 Percent Denied 20.00% 36.36% 10.71% 36.00% 50.00% 27.27% 54.55% 0.00% 14.29% otal Applications 96 85 101 111 87 112 80 65 136 ercentDenied 11.46% 18.82% 8.91% 18.02% 12.64% 19.64% 10.00% 6.15% 25.00% 996.01 996.02 996.03 997.01 997.02 997.03 998.01 998.02 998.03 Percent Minori ed. Inc. as % of MSA 61% 74% 28% 102% 21% 119% ' 490/b 730 31% 990/0 34% 120% 45% 73% 48% 60% 60% 69% ome Purchase Loans FHA FM& VA Loans Ori inated 21 9 8 13 13 4 8 9 11 A. A 'd. Not Acc. Application Denied Total A Ilcations Percent Dented 3 24 12.50% 1 2 12 18.67% 8 0.00% 1 14 0.00% 1 14 7.14% 1 5 20.00% 1 3 12 25.00% 1 10 0.00% 1 12 8:33% Conventional Loans Originated 6pp . A 'd. Not Acc. A Iigg Denied Total A IicaUons Percent Denied 70 10 16 96 16.67% 78 14 16 108 14.81% 128 7 24 159 15.09% 53 11 18 82 21.95% 95 18 28 141 19.86% 55 10 12 77 15.58% 48 7 10 65 15.38% 72 14 32 118 27.12% 55 9 14 78 17.95% Home Improvement Loans Ori inated A. A 'd. Not Acc. Application Denied Total A IicaUons Percent Dented 17 5 3 25 12.00% 4 4 8 50.00% 15 5 5 25 20.00% 2 5 7 71.43% 13 3 3 19 15.79% 8 11 21 11 18.18% 3 4 7 57.14% 9 1 13 23.08% 3g15690i 11 otal A lications ercent Denied 145 15.17% 128 17.19% 192 15. 00% 103 22.33% 174 18.39% 93 16.13% 84 2024% 141 24.82% CITY OF WESTMINSTER: 1998 HMDA DATA • i� L 0 999.021 999.031 999.041 999.051 999.06 cl ercent Minority 40% 52% 41% 20% 19% ed. Inc. as % of MSA 89% 76% 63% 86%1 123% Home Purchase Loans HA FMHA & VA Loans Originated 19 141 121 21 81 227 App. ApWd. Not Ace. 1 I 1 1 7 Application Denied 1 5 21 25 Total Applications 21 19 14 2 8 259 Percent Denied 4.76% 26.32% 14.29% 0.00% 0.00% 9.65% Conventional Loans Originated 49 38 25 21 70 1342 A. Appd. Not Acc. 1 2 6 2 6 203 A Ilcetlon Denied 9 8 8 2 9 299 Total A Iications 591 481 39 25 85 1.844 Percent Denied 15.25%1 16.67%1 20.51%1 8.00%1 10.59%11 16.21% ome Improvement Loans Ori inated 1 61 121 71 1 71 186 A. A 'd. Not Acc. 1 4 2 1 41 A Iication Denied 4 10 8 1 311 92 Total Applications 11 26 15 4 111 319 Percent Denied 36.36% 38.46% 53.33% 25.00% 27.27% 28.84% Total Ap lications 91 93 68 31 104 2 422 ercent Denied 15.38% 24.7301 26.47% 9.68% 11.5401- 17.18% TECHNICAL APPENDIX H HMDA Data for the Urban County Table H-1 • Change in Loan Denial Rates for Urban County Cities, 1994-1998 Table H-2 Disposition of Loan Applications and Loan Denial Rates For Urban County Cities by Census Tract, 1998 0 # i • Table H-I: Change in Loan Denial Rates for Urban County Cities, 1994-1998 1994 Brea 1998 Chan 1994 CvDress 1998 Chan Dana Point La wa Beach u19 Home Purchase Loses 1994 1998 Chan 1994 1998 Chan 1994 8t11sChan HA, FMHA & VA Loan Originated 'd. 58 100 42 66 117 51 98 128 30 201 A. A Not Ace, 2 4 2 I 6 $ I 306 ]OS N 562 N Application Denied 2 15 13 5 10 5 5 4 7 24 17 N 30 N Total Applications 62 119 57 72 133 61 12 111 22 10 15 35 20 N 65 N Percent Denied 3.23°/ 12.61°/ 9.38°/ 6.94% 7552°/ 0.57°/ o.81°/ 155 14.19°/ 44 3.380 223 365 142 657 N onvenGonal 6.73°/ 9.59/ 2.86/ N Lose Originated A . A 'd. Not Ace. 651 51 91 991 40 340 750 251 1,290 1,247 607 1,626 2,627 1,001 N 3,206 Application Denied 133 159 26 50 009 101 ] Ol 192 51 83 90 247 157 167 424 257 N 417 N N TotalA lications 805 1,226 421 859 1,281 422 339 1,635 290 2,350 49 425 469 44 N 548 N Percent Denied 16.52°/ 12.979" -3.55°/ 12.69°/ 14.99°/ 2.30% 20.73°/ 12.34°/ 715 -8.39°/ 2,218 19.16°/ 3,520 1,302 N 4,171 N Home Improvement 13.32% -5.84°/ NA 13.14% N Loan Originated A A 'd. Not Ace. 128 12 116 -12 153 145V7.16%- 175 141 -34 186 202 16 N . Application Denied 62 15 51 3 -11 25 84 27 111 23 44 21 25 57 32 N 248 72 N N Total Applications 202 182 20 262 283 99 297 67 -32 106 97 -9 N 123 N Percent Denied 30.69°/ 28.02% -2.67°/ 32.06°/ 39.22°/3333°/26.59°/ 252 -45 6.75°/ 317 356 39 N° 443 N 33.44°/ 27.25/ ° b.19/ N 27.77% N otal lications 1,069 1843/ 1,527 14.73/ 458 -3.69•/ 1,193 16.60•/ 1,697- 2,043 2,758 4,241 1,483ercentlenied N 5,271 . 2029/ ./.33.75°/ 17571T -8.28/ 19.80°/ 14.170 -5.630 N 13.960 N N Table H-1: Change in Loan Denial Rates for Urban County Cities, 1994-1998 F Table H-l: Change in Loan Denial Rates for Urban County Cities, 1994-1998 Seal Beach Stanton Villa Park Yorba Linda Urn rated 1994 F 19981 Chan 19941 19981 Chan19941 19981 changO 19941 19981 Chan1994 1998 Chan Home Purchase Loans HA, FMHA & VA Loan Originated 161 32 16 115 242 127 32 27 -5 94 283 189 83 83 A. Appd. Not Arc. 1 5 4 2 11 9 0 2 2 0 10 10 5 Application Denied 11 6 5 11 30 19 3 3 0 9 28 19 9 5 Total Applications 18 43 25 128 283 155 35 32 -3 103 321 218 1 7 9 97 Percent Denied 5.51 13.95°/ 8.40•/ 8.59•/ 10.60°/ 2.01% 8.57°/ 9.38°/ 0.80°/ 8.74°/ 8.72°/ -0.029.28 9.28°/ Conventional Loan Originated 'd. 492 751 259 274 450 176 477 644 167 1,426 2,354 928 1,266 1,266 App. A Not Ace. 46 75 291 21 67 46 39 93 54 119 268 149 187 187 Application Denied 89 104 151 85 1321 47 97 123 26 255 353 98 199 199 Total Applications 627 930 3031 380 649 269 613 860 247 1,800 2,975 1,175 1,652 1,652 Percent Denied 14.19°/ 11.18°/ -3.01°/ 22.37°/ 20.34% -2.03°/ 15.82°/ 14.30°/ -1.52°/ 14.17% 11.87% -2.30°/ 12.05°/ 12.05% Home Improvement Loan Ori inted 'd. 103 65 -38 63 120 57 83 78 -5 277 255 -22 161 161 A . A Not Acc. 4 8 4 14 20 6 12 18 6 35 44 9 36 36 Application Denied 35 37 2 54 98 44 39 37 -2 122 99 -23 67 67 Total A lications 142 110 -32 131 238 107 134 133 -1 434 398 -36 264 264 Percent Denied 0.246479 33.64°/ 8.99°/ 41.22°/ 41.184 -0.04% 29.10% 27.82% -1.28°/ 28.11°/ 24.87°/ -3.24°/ 25.380/ 25.38% otal Applications 787 1,0831 2961 6391 1,1701 531 782 1,025 243 2,337 3,694 1,357 2,013 2,013 ,PercentDenied 15.88°/ 13.57°/ -2.31°/ 23.470/ 22.220/ 1.25°/ 17.77°/ 15.90°/ -1.87°/ 16.52°/ 12.99°/ -3.52°/ 13.66°/ 13.66°/ CITY OF BREA: 1998 HMDA DATA • 0 0 14.03 14.04 15.01 15.02 15.03 16.04 15.05 Percent Minority 17% 48% 16% 20% 30% 35% 18% Med. Inc. as % of MSA 104% 78% 113% 120% 1000/o 67%1 105% Home Purchase Loans FHA, FMHA & VA 11 Loans Originated 4 32 4 8 8 12 8 App. Appd. Not Acc. 1 1 Application Denied 1 3 1 3 Total Applications 5 35 5 9 11 12 9 Percent Denied 20.00% 8.57% 0.00% 11.110/a 27.27% 0.00% 0.00% Conventional Loans Originated 51 11 105 143 57 60 154 A. A 'd. Not Acc. 4 2 13 13 4 4 19 Application Denied 7 3 29 29 7 1 8 14 Total Applications 62 16 147 185 68 721 187 Percent Denied 11.29% 18.750/c 19.73%1 15.68% 10.29% 11.11% 7.49% Home Improvement Loans Originated 10 5 8 12 15 7 20 A. AppId. Not Acc. 1 3 1 3 Application Denied 2 11 5 5 3 1 9 Total Applications 13 19 14 20 18 8 29 Percent Denied 15.38% 57.89% 35.71% 25.00% 16.67% 12.50% 31.03% otal Applications 80 70 166 214 97 92 225 Percent Denied 12.50% 24.29% 20.48% 16.36% 13.40% 9.78% 10.22% 117.07 117.09 117.17 218.14 218.15 CI ercent Minority 17% 16% 14% 20% 13% ed. Inc. as % of MSA 102% 142% 109% 137% 116% ome Purchase Loans HA FMHA & VA Loans Ori inated 16 4 3 1 100 A. ApWd. Not Acc. 1 1 1 1 4 Application Denied 6 1 15 Total Applications 23 4 3 2 1 119 Percent Denied 26.09% 0.00% 0.00% 50.00% 0.00% 12.61% Conventional Loans Originated 65 108 42 128 52 976 App. A 'd. Not Acc. 11 10 1 4 6 91 Application Denied 17 9 5 9 22 1 159 Total Applications 93 127 48 141 80 1,226 Percent Denied 18.28% 7.09%1 10.42°/u 6.38% 27.50% 12.97% Home Improvement Loans Originated 6 8 8 10 7 116 A. A 'd. Not Acc. 1 3 3 15 Application Denied 4 2 5 4 51 Total Applications 6 13 13 18 11 182 Percent Denied 0.00% 30.77% 15.38% 27.78% 36.36% 28.02% Total Applications 122 144 64 161 92 1.5271 Percent Denied 18.85% 9.03% 10.94% 9.32'/ol 28.25% 14.73% CITY OF CYPRESS: 1998 HMDA DATA • Percent Mino ' ad. Inc. as%of MS ome Purchase Loans 1100.01 18% 102% 1100.10 35% 118% 1100.11 26% 141% 1100.13 21% 91% 1101.02 37% 111% 1101.04 29% 108% 1.101.06 24% 101% 1101.09 28% 107% HA FMHA 3 VA Loans Ori inated A . A 'd. Not Acc. 8 2 1 61 1 121 61 201 8 A Iication Denied Total Amplications Percent Denied Conventional 8 1 0.00%1 3 0.00% 1 71 14,29%1 01 0.00%1 1 13 7.69% 1 71 14.29% 201 5/of 1 9 11.11% Loans Originated A. A 'd. Not A Application Denied Total Avolleations ParCentDenied Home Im rovement I 84 7 1 61 1 971.104 6.19% 87 8 9T61 8.65% 58 41 68 8.82% 73 81 131 1 941 13.83% 90 41 171 1111 15.32% 88 ill 241 1231 19.51% 68 101 141 921 15.22% 70 6 6 82 7.32% Loans Originated 12 1 71, 51 101 191 141 ill 5 A. A 'd. Not Acc. I I 1 1 41 21 3 A Iication Denied I 1 51 11 41 121 101 61 6 Total Applications 1 121 121 61 141 351 261 101 11 Percent Denied 1 0.00%1 41.67%1 16.67%1 28.57%1 34.29%1 38.46%1 60.000%. 54.55 otal A lications 117 119 81 108 159 156 122 102 ercent Denied 5.13% 11.76% 9.88% 15.74% 18.87% 22.44% 16.39% 12.75°/ 1101-101 1101.111 1101.12 1101.13 1101.14 1102.02 1107.98 CI arcent Minority 35% 30%1 2201.136% 29% 31°h W ad. Inc. as Of. of MS 82% 104% 105% 113% 109% 78% N/ ome Purchase Loans FHA FMHA & VA Loans Ori inated 11 13 4 3 14 10 117 6 A 'd. Not Acc. 2 1 2 A lication Denied 3 2 1 10 133 Total A Iications 14 13 6 5 16 12 0 Percent Denied I 21.430/c 0.D0% 0.00%1 40.00%1 6.25% 0.00% 0.00% 7.52% onventional Loans Originated 1 43 721 106 281 661 55 988 A 'd. Not Ae4 2 51 261 11 31 6 101 A lication Denied 12 101 54 81 61 7 1 192 Total lications 57 87 186 37 75 68 0 1281 Percent Denied 21.05% 11.49% 29.03% 21.62% 8.00% 10.290/ 0.00% 14.99°/ Home Im rovement Loans Originated 14 18 6 8 14 12 145 A 'd. Not A 8 4 2 2 4 27 111 Iication Denied 14 12 11 5=39.13%50.00% Total A licaticns 34 34 19 15 0 283 39.22% Percent Denied 41.18% 35.29% 67.89% 33.33% 0.00% otal A lications 105 134 211 57 0 1697 ercentDeNed 27.62% 16.42% 30.81% 26.32% 0.DO% 18.44% CITY OF DANA POINT: 1998 HMDA DATA • 0 422.01 422.04 423.05 423.06 423.10 423.11 .423.13 423.22 423.23 15% 13% 6% 11% 25% 12% 36% 11% 10% Mad. Inc. as % of MSA 103% 119% 178% 136% 87% 131 % 73% 135% 126% Home Purchase Loans FHA FMHA & VA Loans Ori inated 5 13 26 42 9 6 5 22 A. A 'd. Not Acc. 1 2 1 1 ADDlication Denied 1 1 2 8 5 5 Total Applications 6 151 0 301 51 141 6 51 28 Percent Denied 16.67% 6.67%1 D.DD% 6.67% 15.69% 0.00% 0.00% 0.00% 17.86% Conventional Loans Originated 119 2331 112 391 143 182 155 292 186 App. A 'd. Not Acc. 18 24 32 61 15 17 22 43 15 Application Denied 20 41 21 56 37 26 25 36 28 Total Applications 157 298 165 508 195 225 202 371 229 Percent Denied 12.74% 13.76% 12.73% 11.02% 18.97% 11.56% 12.38% 9.70% 12.23% Home Improvement Loans Originated 11 25 12 251 15 181 9 19 7 A. A 'd. Not Acc. 10 5 2 5 4 6 3 8 1 Application Denied 10 5 4 12 6 12' 5 9 4 Total Applications 31 35 18 42 25 36 17 36 12 Percent Denied 32.26% 14.29% 22.22% 28.57% 24.00% 33.33% 29.41% 25.00%1 33.33% Total Applications 194 348 183 580 271 275 225 412 269 Percent Denied 15.98% 13.51% 13.66% 12.07% 18.82% 15.64% 13.330 10.92% 13.75% city Mad, Inc. as % of MSA Home Purchase Loans FHA FMHA & VA Loans Ori inated 128 A . A 'd. Not Arc. 5 A Ilcation Denied 22 Total Applications 155 Percent Denied 14.19% onventional Loans Ori inated 1,813 A . A 'd. Not Acr. 247 A Iication Denied 290 Total Application 2 350 Percent Denied 12.34% Home Improvement Loans Originated 141 Am. AoWd. Not Acc. 44 Application Denied 67 Total Applications 252 Percent Denied 26.59% Total Applications 2,757 Percent Denied 13.75% CITY OF LAGUNA BEACH: 1998 HMDA DATA • 0 423.05 423.06 626.04 626.05 626.07 626.19 626.2 626.23 Ci ercentM(no' 6% 11% 10% 13% 16% 8% 9% 4% ed. Inc. as % of MSA 178% 136% 169% 103% 113% 119% 163% 97% Home Purchase Loans FHA FMHA & VA 9 306 Loans Ori inated 26 271 A A 'd. Not ACC. 2 22 24 . A IicaUon Denied 2 1 30 1 1 35 Total Applications 01 301 1 0 323 1 01 10 365 Percent Denied 0.00% 6.67% 100.00% 0.00% 9.29% 100.00% 0.00% 10.00% 9.59% Conventional Loans Orl loafed 112 391 136 62 1,464 150 169 143 2 627 ADD. A 'd. Not Acc. 32 61 34 6 228 21 30 12 424 Application Denied 21 56 28 10 297 21 26 10 469 Total Applications 165 .508 198 78 1,989 192 225 165 3,520 Percent Denied 12.73% 11.02% 14.14% 12.82% 14.93% 10.94% 11.56% 6.06% 13.32% Home Improvement 6 7 118 15 18 1 202 Loans Ori inated 12 25 2 1 57 A. A 'd. Not Acc. 2 5 2 41 4 1 97 A licatIon Denied 4 12 4 4 11 62 221 3 22 7 27 3 356 Total A IlCations Percent Denied 18 22.22% 42 28.57%' 12 33.33°/a 36.36% 28.05% 13.64% 25.93% 33.33% 27.25% otal A IicaUons 183 580 211 89 2.533 215 252 178 4.241 Percent Denied 13.66% 12.07% 15.64% 15.73% 15.36% 11.63% 13.10°/a 6.74% 14.17% CITY OF LAGUNA HILS: 1998 HMDA DATA E • 40 423.07 423.08 423.18 423.20 626.071 626.211 626.22 ercent Minority 23% 18% 21 % 15% 16% 19% 2% Vied. Inc. as % of MSA 120% 177% 148% 102% 113% 112% 79% Home Purchase Loans FHA FMHA & VA Loans Originated 7 21 65 82 271 71 A. ApWd. Not Acc. 1 2 22 5 Application Denied 4 10 6 30 8M13 Total Applications 8 25 77 88 323 84 Percent Denied 0.00% 16.00% 12.99% 0.00% 0.00% 9.52% Conventional Loans Originated 138 243 602 166 1,464 101 A . 'd. Not Acc. 14 28 72 21 228 12 Application Denied 18 27 79 30 297 21 Total Applications 170 298 753 207 1,989 134 139 Percent Denied 10.59% 9.06% 10.49% 14.49% 14.93% 15.67% 9.35% Home Improvement I ' Loans Originated 16 23 50 12 118 12 4 A. A 'd. Not Acc. 3 4 10 3 41 4 2 Application Denied 9 8 241 8 62 6 Total Applications 28 35 84 23 221 22 6 Percent Denied 32.14% 22.86% 28.57% 34.78%1 28.05% 27.27%1 0.00% Applications 206 358 914 318 2,533 240 148 ied 13.11% 10.89% 12.36% 13.84% 15.36% 14.58% 9.59% 626.23 626.24 626.25 CI Minority RPurchase 4% 8% 15% % of MSA 97% 70% 95% se Loans , VA Loans Originated 9 36 562 App. Appd. Not Ace. 30 Application Denied 1 5 65 Total Applications 10 0 41 657 Percent Denied 10.00% 0.00% 12.20% 9.89% Conventional Loans Originated 143 155 91 3206 App. A 'd. Not Acc. 12 9 8 417 Application Denied 10 38 15 548 Total Applications 165 202 114 4171 Percent Denied 6.06% 18.81% 13.16% 13.14% Home Improvement Loan Originated 1 6 6 248 A. A 'd. Not Acc. 1 3 1 72 Application Denied 1 1 1 4 123 Total Applications 3 10 11 443 Percent Denied 1 33.33% 10.00% 36.36% 27.77% Dial Applications 178 212 166 5 271 Percent Denied#6-.7-4/ 18.40% 14.46% 13.96% CITY OF LA PALMA: 1998 HMDA DATA 1101.02 1101.11 1101.15 1101.18 1103.01 1103.04 Ci ercentMinori 3706 30% 50% 540 390 39% ed. Inc, as % Of MSA 1110 1049/o 111 % 113% 90% 97% ome Purchase Loans • HA FMHA 8 VA Loans Ori foaled 12 13 17 10 52 A . A 'd. Not Ace. 1 1 A IlcaUon Denied 1 1 2 1 5 Total Applications 13 13 1 1 19 11 58 Percent Denied 7.69% 0.00% 100.001 0.00% 10.53% 9.097, 0.00% onvantionel Loans Or! loafed 90 72 58 95 47 43 405 A 'd. Not Ace. 4 5 2 7 10 4 32 A IlceUon Denied 17 10 6 12 8 12 65 Total A licatlons 111 87 66 114 65 59 502 Percent Dented 15.32% 11.49% 9.09% 10.53% 12.31% 20.34% 12.95% ome Im rovement Loans Ori loafed 18 18 7 11 21 22 98 A. A 'd. Not Arc. 4 4 2 3 2 4 19 A lication Denied 12 12 11 3 7 8 53 Total Applications 35 34 20 17 30 34 170 Percent Denied35.29% 55.00% 17.65% 23.33% 23.53% 31.18% otal lications 159 134 87 132 114 104 730 ercent Denied 18.87% 16.42% 20.69% 11.36% 14.91% 20.19% 16.85% • CITY OF LOS ALAMITOS: 1998 HMDA DATA • • 0 1100.06 1100.07 1100.13 1101.081 1101.121 1101.131 CI PercentMino' 6% 11% 21% 29% 22% 36% Vied. Inc. as % of MSA 150% 141 % 91 % 100% 105% 113% Home Purchase Loans FHA FMHA & VA Loans Originated 5 1 4 3 13 Am A 'd. Not Acc. 2 2 Application Denied 1 2 3 Total Applications 0 5 0 2 6 5 18 Percent Denied 0.00% 0.00% 0.00% 50.00% 0.00% 40.00% 16.67% Conventional Loans Oriinated 61 75 73 29 106 28 372 A. ApWd. Not Ac4 6 6 8 3 26 1 50 Application Denied 9 11 13 5 54 81 100 Total Applications 76 92 94 37 186 37 522 Percent Denied 11.840/6 11.96% 13.83% 13.51% 29.03% 21.620/c 19.16% Home Improvement Loans originated 8 10 10 6 8 42 A. ApWd. Not Acc. 2 2 4 Application Denied 1 6 4 1 11 5 28 Total Applications 9 16 14 1 19 15 74 Percent Denied 11.11% 37.50% 28.57% 100.00% 57.89% 33.33% 37.840/c otal ons Iicatint 85 113 108 40 211 57 614 PerceA Dented 11.76% 15.04% 15.74% 17.50% 30.81°/ 26.4/6 21.34% • 0 CITY OF PLACENTIA: 1998 HMDA DATA 117.08 117.09 117.10 117.11 117.121 117.14 -117.151 117.161 117.17 Percent Minority 27% 16% 14% 36% 410/c 490/c 19% 42% 14%I Med. Inc. as % of MSA 91% 142% 139% 640/c 830/c 980/c 134% 125% 109% Home Purchase Loans FHA, FMHA & VA Loans Originated 7 4 4 17 11 1 26 9 3 A. Appd. Not Acc. 1 1 1 Applicabon Denied 3 2 2 Total Applications 71 4 41 21 11 1 29 12 3 Percent Denied 0.00% 0.00% 0.00% 14.29% 0.00% 0.00% 6.90% 16.67% 0.00% Conventional Loans Originated 41 108 70 29 59 4 1 267 134 1 42 A. A 'd. Not Acc. 2 10 1 4 5 39 15 1 Application Denied 5 9 18 7 10 2 34 38 5 Total Applications 48 127 89 40 74 6 340 187 48 Percent Denied 10.42% 7.09% 20.22% 17.50% 13.51% 33.33% 10.00% 20.32% 10.42% Home Improvement Loans Originated 7 8 4 4 6 1 16 8 8 A. ApWd. Not Acc. 1 1 3 15 4 3 Application Denied 4 4 3 4 3 2 8 3 2 Total Applications 11 13 7 9 12 3 39 1 15 13 Percent Denied 36.36% 30.77% 42.86% 44.440/a 25.00% 0.00% 20.51% 20,00% 15.38% Total Applications 66 144 100 70 97 10 408 214 64 Percent Denied 13.64%1 9.03% 21.00% 20.00% 13.40% 40.00% 10.78% 20.09% 10.94% 117.18 117.19 117.20 218.09 218.10 218.11 218.13 218.15 city ercent Minority 23% 60% 80% 17% 18% 29% 60% 13% ad. Inc. as % of MSA 113% 76% 53% 126% 129% 118% 69% 116% ome Purchase Loans HA FMHA & VA Loans Originated 6 19 13 3 6 99 2 230 A. A 'd. Not Aoc. 1 1 2 6 1 13 Application Denied 1 1 1 1 8 1 20 Total Applications 8 20 16 3 7 113 3 1 263 Percent Denied 12.50% 5.00% 6,25% 0.00% 14.29% 7.08% 0.00% 0.00% 7.60% onven0onal Loans Originated 64 39 15 60 811 213 1 52 1279 A. A 'd. Not Ace. 7 4 4 3 6 34 6 141 Applicaflon Denied 14 12 5 5 5 39 1 22 231 Total ApplicaUons 85 55 24 68 92 286 2 80 1,651 Percent Denied 16.47% 21.82% 20.83% 7.35% 5.43% 13.64% 50.00% 27.50% 13.99% Home Improvement Loan Originated 6 8 1 5 16 12 1 7 118 A. ApWd. Not Acc. 1 3 1 5 7 44 Application Denied 2 2 1 1 5 10 4 58 Total Avolicaflons 9 13 3 61 26 29 1 11 220 Percent Denied 22.22% 15.38% 33.33% 16.67% 19.23% 34."% 0.00% 36.36% 26.36% otal ApplicaUons 102 88 43 125 428 6 92 2,134 Percent Denied 16.67°h 17.05% 16.284% 7.777 9% 8.80% 13.32% 33.33% 28.269 14.48% CITY OF RANCHO SANTA MARGARITA: 1998 HMDA DATA • • • 320.26 320.26 Total Percent Minority 20% 15% Mad. Inc. as % of MSA 114% 126% Home Purchase Loans FHA FMHA & VA Loans Originated 282 239 521 App. A 'd. Not Acc. 11 10 21 Application Denied 28 18 46 Total Applications 3211 267 588 Percent Denied 8.72% 0.00% 7.82°/u Conventional Loans Originated 1.011 814 1,825 App. Appd. Not Acc. 110 122 232 Application Denied 165 138 303 Total Applications 1,286 1074 2,360 Percent Denied 12.83% 12.85% 12.84% Home Improvement Loans Originated 106 60 166 App. A 'd. Not Acc. 25 16 41 Application Denied 52 26 78 Total Applications 183 102 285 Percent Denied 28.42% 0.00% 27.37% Total Applications 1 790 1,443 3,233 Percent Denied 13.69% 12.61%1 13.21% CITY OF SAN CLEMENTE: 1998 HMDA DATA • • 0 320.23 421.03 421.05 421:061 421.071 421.081 421.09 Percent Minority 15% 12% 11°/n 6%1 43% 23% 14% Vied. Inc. as % of MSA 120% 105% 128% 117% 62% 67%1 104% ome Purchase Loans HA FMHA & VA Loans Ori inated 6 3 4 6 12 App. A 'd. Not Acc. 1 1 Application Denied 1 3 Total Applications 0 61 3 0 5 7 16 Percent Denied 0.000/c 0.00% 0.00% 0.00% 20.00% 0.00% 18.75% Conventional Loans Originated 75 212 296 39 1 58 98 170 App. A 'd. Not Acc. 11 32 43 2 5 13 31 Application Denied 11 50 73 5 15 291 28 Total Applications 97 294 412 46 78 1401 229 Percent Denied 11.34% 17.01% 17.72% 10.87% 19.23% 20.71% 12.23% Home Improvement Loans Originated 4 111 23 4 3 6 11 A. A 'd. Not Acc. 4 6 1 2 3 Application Denied 3 7 5 6 2 5 6 Total Applications 7 22 34 ill 5 13 20 Percent Denied 42.86% 31.82% 14.710/a 64.55% 40.00% 0.00% 30.00% Total Applications 104 322 449 57 88 160 265 Percent Denied 13.46% 17.70% 17.37% 19.30% 20.45% 21.25% 13.960 421.10 422.011 422.03 422.04 city Minority13% 15% 11% 13% as % of MSA 109% 103% 129% 119% ffHPurchaseLoans HA & VA Ori inated 12 5 5 13 66 'd. Not Acc. 1 1 1 5 Application Denied 1 1 6 Total Applications 13 6 6 15 77 Percent Denied 0.00% 16.67% 0.00% 6.67% 7.79% Conventional Loans Originated 250 119 259 233 1809 App. A 'd. Not Acc. 27 18 44 24 250 Application Denied 35 20 32 41 339 Total Applications 312 157 335 298 2,398 Percent Denied 11.22% 12.74% 9.55% 13.76% 14.14% Home Im rovement Loans On inated 23 11 24 25 145 A. APPU Not Ace. 3 10 5 5 39 Application Denied 10 101 101 5 69 Total Applications 36 31 39 35 253 Percent Denied 27.78°/ 32.26% 25.64% 14.29% 27.27% otal A lications 361 194 3801 34811 2 728 Percent Denied 1 12.47% 15.98% 11.05%1 13.51%1 15.18% CITY OF SEAL BEACH: 1998 HMDA DATA • PercentMinori Mod. Inc. as % of MSA Home Purchase Loans 995.02 995.04 34% 7% 61% 139% 995.05 10% 1,13% 995.06 11% 145% 995.07 12% 208% 995.09 3% 57% 995.10 3% 62% 1100.07 11% 141% HA FMHA & VA Loans Ori inated App. d. Not Acc. 2 1 11 1 5 ApplicaOon Denied 1 2 Total A lications Percent Denied onventional 0 0.00% 0 0.00%1 0_ 0.00%1 4 25.00% 14 14.29% 01 0.00%1 01 0.D0%l 5 0.000/0 Loans Ori inated A. A 'd. Not Acc. A lication Denied Total A Ilcatlons Percent Denied ome Im rovement 16 3 7 26 26.92% 41 11 3 45 6.67%1 82 101 71 991 7.07% 20 1 5 261 19.231 333 35 52 420 12.380/o 211 11 2 0.00% 1 1 21 -50.00%1 75 5 11 92 11.96% Loans Od inated A . A 'd. Not Acc. 11 51 6 1 1 1 19 1 10 A Iication Denied Total A Iications Percent Denied 1 0.00% 28.570/a 41 01 40.00% 1121 21 0.001 321 37.50% 2 21 100.00% nil 0.00% 6 - 37.50% otal A lications Percent Denied 27 25.93% 521 9,62% 1091 10.09% 32 18.75% 468 14.16% 4 50.00% 2 50.00% 113 15.04% 1100.08 1100.121 Ci Percent Minority 110A 20% ad. Inc. as % of MSA 121 % 146% Home Purchase Loans FHA FM HA & VA Loans Od inated 1 141 1 32 .A 'd. Not Acc. 31 1 5 A 11 lion Denied 1 3 6 Total Applications 201 Oil 43 Percent Denied 15.00% 0.00% 13.95% onventional Loans originated 1 741 1071 751 A . APWd, Not Acc. 1 131 61 75 Application Denied 1 91 91 104 Total A Iicatlons 96 122 930 Percent Denied 9.38% 7.38% 11.18% P.2!ne Improvement Loans Ori inated 13 ---Jol 65 A. A 'd. Not Acc. 5 1 8 Application Denied 9 2 37 Total Applications 27 131 110 Percent Denled 33.33% 15.380/1, 33.64% otal A Iications 143 135 1083 ercent Denied 14.69% 8.15%1 13.57% • I' 1 L • CITY OF STANTON: 1998 HMDA DATA 878-011 878.021 878.031 878.051 878.06 879.01 879.02 PercentMinod Wed. Inc. as % of MSA Home Purchase Loans 33% 82% 41% 80 68% 0 46'/° 42% 70% 52% 69% 64% 59% 63% 77% FHA FMHA & VA Loans Originated 38 301 71 19 33 151 19 A. A 'd. Not Ace. 1 1 1 3 1 A lication Denied 5 4 31 31 31 31 1 Total ADDlications 441 351 ill 221 391 181 21 Percent Denied 1 11-36%1 11.430/6 27.27%1 13.64%11 .69%1 16.67%1 4.76% onventional Loans Originated 1 581 361 ill 331 231 401 20 A. A 'd. Not Acc. 1 21 91 2 171 31 101 3 Anplication Denied 101 231 11 241 91 Ill 3 Total Avolications 1 701 681 141 741 351 611 26 Percent Denied 1 14.29%1 33.62% 7.140/o 32.43%1 25.71%1 18.03%1 11.64% Home Improvement Loans Originated I ill ill 71 511 14 61 17 A. A 'd. Not Acc. 3 1 11 1 A Iicalion Denied 1 101 151 1 71 51 6111 9 Total Applications 1 241 261 71 131 201 121 26 Percent Denied 41.67% 57.69% 0.00% 53.85% 25.00% 0.00% 34.62% otal Agglications 138 1291 321 1091 941 911 73 aarcent Denied 18.12% 32.56%1 12.50%1 31.19°/ 18.09%1 21.98%1 17.81% 881.01 881.041 881.051 881.061 1101.131 1102.031 CI anent Minority23°/a 34% 37% 33% 36% 28% ed. Inc. as % of MSA 79% 83% 82% 62% 113% 92% Home Purchase Loans FHA FMHA & VA Loans Originated 23 11 16 181 3 101 242 d. Not Arc. 1 11 21 11 Application Denied 4 1 1 1 2 1 30 Total Applications 28 12 171 191 5 121 283 Percent Denied 14.29%1 8.33% 5.88%1 0.00%1 40.00% 0.000W 10.60% Conventional Loans Originated 391 24 48 351 28 551 450 A. A 'd. Not Acc. 3 2 3 6 1 6 67 A Ilcation Denied 10 5 14 7 8 7 132 Total A lications 52 31 65 48 37 68 649 Percent Denied 19.23% 16.13% 21.54% 14.58% 21.62% 10.29% 20.34°h ome Im rovement Loans Originated 11 2 7 9 8 12 120 A. A 'd. Not Acc. 1 3 51 2 4 20 A Ilca'Ion Denied M 9 1 4 11 5 16 98 Total A Iications 21 3 14 25E26.32% 5 32 238 Percent Denied 42.86% 33.33% 28.57% 44.00 % 50.00 41.18% otal A Iications 101 46 96 927 112 1170 Percent Denied 22.77% 15.22% 19.79% 19.57% 20.54% 22.22% CITY OF VILLA PARK: 1998 HMDA DATA 219.12 219.13 758.02 758.09 758.10 758.11 758.12 city Percent Minority 22% 60% 22% 15% 19% 32% 41% Mad, Inc, as % Of MSA 111% 69% 157% 202% 196% 97% 94% Home Purchase Loans FHA FMHA & VA Loans Originated 1 9 7 2 4 4 27 A. A 'd. Not Acc. 1 1 2 A Iication Denied 1 1 1 3 Total A Iications 1 11 7 0 2 8 5 32 Percent Denied 0.00% 0.00% 0.00% 0.00% 0.00% 16.87% 20.00% 9.38% onvent(onel Loans Originated 116 112 185 75 55 47 54 644 A . A 'd. Not Acc. 14 13 24 9 7 16 10 93 A licatian Dented 9 26 47 5 10 10 14 123 Total Applications 139 153 256 89 72 73 78 860 Percent Denied 6.47% 18.30°/a 18.360/. 5.62% 13.89% 13.70% 17.95% 14.30% Home Improvement 78 Loans Originated 12 11 18 11 4 8 14 A. A 'd. Not Acc. 4 3 1 4 1 3 2 18 A Iication Denied 3 7 8 9 3 4 3 37 Total A IicaBons 19 21 27 24 8 15 19 133 Percent Dented 15.79% 0.00% 29.63% 37.50% 37.50% 26.87% 15.79% 27.82% Total Applications 159 185 290 113 82 94 102 1025 ereent Dented 7.55% 19.48% 18.97°/a 12.390/0 15.85% 15.96% 17.65% 15.90% • • 0 CITY OF YORBA LINDA: 1998 HMDA DATA 117.17 117.18 218.02 218.07 218.09 218.10 218.11 218.12, Percent Minority 140/6 23% 19% 21% 17% 18% 29% 22%' Mad. Inc. as % of MSA 109% 113% 119% 108% 126% 129% 118% 111 % Home Purchase Loans FHA, FMHA & VA Loans Originated 3 6 10 2 3 6 99 31 A. A 'd. Not Acc. 1 6 1 A Iication Denied 1 1 1 6 3 Total A lications 3 81 11 21 3 7 113 35 Percent Denied 0.00% 12.50% 9.09% 0.00% 0.00% 14.29% 7.08% 8.57% Conventional Loans Originated 42 64 123 56 60 81 213 99 A 'd. Not Acc. 1 7 20 12 3 6 34 1 Application Denied 5 14 14 12 5 5 39 14 Total Applications 48 85 157 80 68 92 286 114 Percent Denied 10.42% 16.47% 8.92% 15.00% 7.35% 5.43% 13.64% 12.28% Home Improvement Loans Originated 8 6 16 51 5 161 12 13 A. A 'd. Not Acc. 3 1 1 11 5 7 4 Application Denied 2 2 7 4 1 5 10 9 Total Applications 13 9 24 10 6 26 29 26 Percent Denied 15.38% 22.22% 29.17% 40.00% 16.67% 19.23% 34.48% 34.62% otal Applications 64 102 192 92 77 125 428 175 Percent Denied 10.94% 16.67% 11.46% 17.39% 7.79% 8.80% 13.32% 14.86% 218.15 218.16 218.17 218.18 218.19 219.05 219.98 Cl ercentMinori 13% 11% 20% 24016 21% 25% 17% ad. Inc, as % of MSA 116% 129% 114% 150% 160% 131 % 106% ome Purchase Loans FHA, FMHA & VA Loans Ori inated 19 23 41 9 9 22 283 App. ApWd. Not Acc. 1 1 10 lic'on Denied 1 10 1 2 28 MA Tote: A l:cations 1 20 23 52 10 9 24 321 Percent Denied 0.00910 5.00% 0.00% 19.23% 10.00% 0.00% 8.33% 8.72% Conventional Loans Originated 52 104 75 640R10.60 151 308 2354 A . A 'd. Not Acc. 6 7 6 52 27 60 268 A IicaUon Denied 22 14 5 73 20 74 353 Total Applications 80 125 86 765 198 442 2,975 Percent Denied 27.50% 11.20% 5.81% 9.54% 10.10°/ 16.74% 11.87% Home Im rovement Loans Ori inated 7 13 8 78 5 28 255 A 'd. Not Ace. 3 9 3 1 6 44 Application Denied 4 6 8 23 55 8 99 Total A ications 11 22 16 110 43 11 42 398 PercentDeniad 35.36"/0 27.27°/ 50.00% 20.91% 11.83% 45.45% 19.05% 24.87% A ([cations 92 167 125 927 402 218 508 3 694 Wotal anent Denied 28.26°/ 12.57% 10.40% 11.43% 10.70% 11.47% 16.54% 12.99% UNINCORPORATED ORANGE COUNTY: 1998 HMDA DATA 0 C� 0 320.241 757.031 1100.061 1100.071 1100.081 Total ercent Minority 16% 14% 6% 11% 11% ad.InC.es % OfMSA 162% 158% 150% 141% 121% ome Purchase Loans FHA Fh 8 VA Loans Originated 63 1 5 14 83 A, A 'd. Not Acc. 2 3 5 Application Denied 6 3 9 Total Applications 71 1 0 5 20 97 Percent Denied 8.45% 0.00% 0.00% 0.00% 15.00% ..28% Conventional Loans Originated 962 94 61 75 74 1266 A . A 'd. Not Acc. 153 9 6 6 13 187 Application Denied 155 15 9 11 9 199 Total Applications 1270 118 76 92 96 1652 Percent Denied 12.20% 12.71% 11.84% 11.96% 9.38% 12.050/c Home Improvement Loans Originated 121 9 8 10 13 161 App. A 'd. Not Acc. 29 2 5 36 Application Denied 46 5 1 6 9 67 Total Applications 196 161 9 16 27 264 Percent Denied 23.47% 0.00% 11.11% 37.50% 33.33% 25.38% Total Applications 1537 1351 851 113 143 2013 Percent Denied 13.47% 14.81% 11.76% 15.04% 14.69% 13.86% TECHNICAL APPENDIX I 1999 FFIEC (Federal Financial Institutions Examination Council) Census Report Population Information by Census Tract for Orange County, CA 0 http9/www.lr�wgi-Fin/PPISA(A.DI.IJWcbCcnwshxi._+-I Califmiai(CA)&as_('mnty=059+-i4VE Raa irwt• 1999 FFIEC Census Report - Population Information State: 06 - California (CA) County: 059-- ORANGE Note: Records 1 through 100 of 484 Get Next 100 Records Tract Code Tract/ BNA Population Tract/ BNA Minority . Number °f Families Number of Households White population Tract/ BNA Minority population American Indian population Asian Population Black Population Hispanic Population Other Population 0011.01 4083 21 I-4F 117-OF 147OF 3220 863 F--31F 144F 22 666 r 0 0011.02 2955F 30.83 876 1085 2044 911 24 17 35 835F--o 0011.03 F 3523 37.89 F 863 F 1317F 2188 F 1335 SO F 167F 18 1100 F 0 0012.00F 7385 59.86 1 112 F 2216 2964 4421 F-14F-187F 36 F 4176 8 0013.01 5678 22.72 1512 F 2526F 4388F 1290 29F 215 r 65F 981 F 0 0013.03 5447 50.63 1291 8819 2689 2758 6 184 46 2522 F0 0013.04 F 3561 F 64'81 F 801 F 1-098F1253 2308 F 14F 164F 14 2102F 14 0014.01 F 4668 F 30.36F 1261 F 1810 3251 F 1417 12F-115F-15F 1263F 12 0014.02 4657 28.58 1255 1592 3326 1331 25 159 31 F 1-110 F 6 0014.03 F 33ooF 17.42 F 919 F 1059 F 2-725F 575 45 105 23 402 F 0 0014.04 F 3386 47.52 -861F 1112F 1777F 1609 F 15 48 F oF 1546 F 0 0015.01 5053 16.27 1579 1988 4231 822 0 324 76F 404 F 24 0015.02 F 7871 F19.79F2O3-7F 3132F 6313 F 1558 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A)&ns-amnty=059t-4ORAN0li Sac tr9 as slnmow RX) 1999 FFIEC Census Report - Population Information State: 06 - California (CA) County: 059 - ORANGE Note: Records 101 through 200 of 484 Get Previous 100 Records Get Next 100 Records Tract/ Tract/ Numher Numhcr Tract/ American Tract Code BNA BN Population Mi nority �• of Families of Households White BNA Population Minority Indian Asian Btack Hispanic Other Population Population [opulation Population Population 0421.08 F 5371 22.94 1095 25531 Population 4139 1232 39 97 52 F -16251 19 0421.09 F 3359 13.90 F 9-55F5528 2892 467 12 153 34 268 0 0421.10 F 7909 13.21 2316 3143 8864 1045 18 244 11 772 0 0422.01 F 5737 14.85 1580 F 2422F 4885 F 852F 59F 27 F 0 F 766 F 0 0422.03 F 529oF 10.57FI602F 21,oF 4731 F 559F 42 F 12oF 49F 348 F 0 4422.04 F 8298F]3.22F2317F 3073 F 7201 F 1097F 49F 280 F 38F 736 F 6 0423.05 F 3474 6-33F 982F 1529F 3254F 220 F 6F 57F 38 119 F0 0423.06 F 8939 11.04 F2677F 3952 F 7952F 987 F oF 451 F 93 443 F 6 0423.07 F 7421 F22.92 F 1855F 2259 F 5720 F 1701 F 81 F 614F 71F 920 F 15 0423.08 7953 18.02 2293 2500 6520 1433 39 875 40 F-4391 40 6423.10 F 7198 24--65FI858F 2626F 5424F 1774 F 62F 140 F 17F 1555 F 6 0423.11 F 5271 11-57F 1514F 1842 F 4661 F 610 F 11F 172 F oF 427 F 6 4423.12 F 6092 51.66 1302 1800 2945F 3147F SoF 142 F OF 2955 F 0 0423.13 6892 35.77 1444 2636 4427 2465 30 148 33 2234F 20 4423.15 F 5571 17.91 F 1521 F 1976F 4573F 998 F 25F 404 F 44F 525 F 0 0423.16 11881 17.67 3224 4571 9782 2099 37 708 192 1149 13 4423.17 3302 13.29 908 1239 2863 439 12 219 27 181 0 0423.18 F 11069 20.67 F3114F 4261 F 8781 F 2288F 47F 1056 190 984F 11 0423.19 F 2845 22.92 F 825F 883 F �2193F 652 F 8F 415 F 18 F 211F 0 1 ors 5/13/00 II:IR AM • blip•//www.Ir-w8i-bin/PI)1SA6(I.UI.IIWebCunsuehkr...A)&us_munty=l159+-tORAN(ili &as two atarlrow,-l(NI 10423.20 1 46661 15.351 12271 23711 39501 7161 731 3281 751 2401 0 0423.21 F 5884 15.79 1644 2248 4955 F 229 0 502 1 151 312 F 0 0423.22 F 7-379 F 10.81 1968 F 2801 F 6581 F 798F 26F 163F 18 F 581 10 0423.23 f 4040 9.88 1166 [ 1949 F 3641 F 399 sF-119F 35F 223 F 7 0524.04 8120 37.54 1164F 1179F 5072 F 3648F jlF 295F 1 145F 1476 21 0524.05 F 8806 26.21 F 2422 F 3252F 6498 2308 F 25F 1566F 158 F 559 F 0 0524.08 F 6485 16-95F 1818F 2073 F 5386 1099 F 32 F 586F 95F 386 F 0 0524.10 F 5157 23-56FI458F 2002F 3942 F 1215F 16F 3,oF 91F 798 F 0 0524.11 F 4478 28.07 1131 F 1314F 3221F 1257F 42 F 393F 8oF 742 F 0 0524.12 5820 26.24 1562 2033 4293 1527 25 827 79 583 13 0524.13 17390 21.38 4628 6683 13672 3718 51 1798 370 4471 28 0524.14 2802 15.10 803 975F 2379F 423F 16F 154F--oF 248 F 5 0524.15 F 4763 14.09 F1235 F 1440f 4092 671F- 0 289 F 65F 298F 19 0524.16 3914 18.32 1052 1268 3197 717 18 265 47 387 0 0525.01 F 5277 39.15 .1163 3313 F 3211 2666 26 253 956 831 F 0 0525.02 F 5883 19.94 1591 F 1-934 F 471oF 1173F 26F 687 F 27F 433 F0 0525.05 F 4694 26.50 1177F 1-816F 3450 1244 F 0 F 87oF 86F 277 11 0525.06 F 2-602F]5.53F 716 F 808F 2198 404 F 0 F 313F 12F 79 F 0 0525.11 F 5823F 19.54F 1558F 2127F 4685 1138E 0 F 768 F 24F 33oF 16 0525.12 7508 22.68 1997 2873 5805 1703 0 1170 139 381 13 0525.13 5609 21.98 1471 2079 4376 1233 F 7 871 50 305 F0 0525.14 4927 25.53 1353 1904 3669F 1258 F 6 F 846 105 283F 18 0525.15 880 F38.64 270 283 540 340 13 36 179 112 0 0525.16 9073 32.90 2226 3413 6088 2985 19 2223 189 554E 0 0525.17 F 2102 r 16.18 509 F 1-143F 1762F 340 F 12F 194 F 7F 127 F 0 0525.18 F-o F-o - 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BNA Minority population American Indian population Asian Poputation Black Population Hispanic Population Other Population 6638.07 4974 21.79 828 1788 3890 1084 15 318 125 613 13 0638.08 F 4738 53.88 -939F 1477 F 2185 F 2553 11 F 354 F 7F 2181 F-6' 6639.02 6303 30.18 1342 2529 4401 1902 F 0 574 117 1211 6 F0639-.03F 3903 33.64 -956F-1136F 2596F 1313 0 F 653 F0 654 F 6 0639.04 4441 43.32 1070 1327 2517 1924 17 879 65 963 0 6639.05 F4156 16.72F 1-028F 1674F 3461 F 695 F 9 F 166F 54F 466 r 0 0639.06 5258 29.14 1097 2195 3726 1532 36 250 62 1184F 0 0639.07 5069 21.03 1283 2283 4003 1066 12 486 95 473F 0 0639.08 F 5123F 24.54, 1090 2359F 3866 -1257F--gF 531 F 97 620 0 0740.03 2454 92.30 395 445 189 2265 F 0 21 0 2244 0740.04 F6923 51-ooFI539F 2163 F 3392F 3531 F 8 F 1-18, F 344 F 1998 F 0740.05 F6484 75.11 F1259F 1499F 1614F 487oF-oF 1383F 162F 3315 10 0740.06 F 4050 41-43F 861 F 1752F 2372F 1678 F , oF 432F 14oF 1106 F 0 0741.01 F8256F88.37FI377F 1469F 96oF 7296 F 0 F 974F 171 F 6151 F 0 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hnp://Www.frw*/Cgi-bir,/PRISA(A.DLIIWeWmsus/uo...AAac_c(unly=059")RANGli &as_l6ac stulrow=21N1 Maintained by FF/EC Last Updated: 11/01119" 5 nt5 5/13/00 11:24 AM • h11PJ/www.lr9wgi-hirJPR6SA60.U1.I,/WL4Krnsu.Jmr...A)&ae_cnunty=059t,-H)RANG1: Ras_t*:u_stanrow-3qT 19" FFIEC Census Report - Population Information State: 06 - California (CA) County: 059 - ORANGE Note: Records 301 through 400 of 484 Get Previous 100 Records Get Next 84 Records Tract Code Tracf/ BNA Population T NA BNA Minority ��� Number of Families Number of Households White population Tnct/ RNA Minority Population American Indian Population Asian population Black Population Hispanic Population Other Population 0866.02 F4193 39.45 F 1 -667F 15481 25391 1654 F0 363 153 1138F- 0 0867.01 F 7325 52.08 F 1792 F 2231 F 35 1 OF 3815 r 44 F 1031 F 170 F 2570F 0 0867.02 F 5987 39.82 F 1369 F2017 F 3603 F 2384 F26 F 1-086 F303 F969 0 0868.01 2933 F 29.53 800 981 F 2067 866 F- 5 385 56 420 0 6868.02 F 4840 39.94F 1186F 1484F 2907F 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AMcas_ cmmt)-05w-+ORANGE 6cas_1�ac 5mriniw-30�1 "2.15 1 53711 23.871 13641 17831 40891 12821 51 5451 871 6450 0992.16 4137 2231 1019 1410 3214 923 51 395 16 461F 0 0992.17 F 2535 11.79 718 858 2236 299 43 153 F--0 103 F 0 0992.20 4775 12.63 1228 2049 4172 603 331 206 73 291F 0 0992.22 4325 33.41 1186 1499 2880 1445 I ' 9 161 78 448 0 0992.23 F 3980 32.11 1087 1666 2702 1278 F--8820 67 376 r 7 0992.24 F 3567 30.28 943 1-073F 2487 1080 F 0 F 736F 15F 315 F 14 0992. 5 F 3546 30.12 F 961 F 1-067 F 2478F 1-068F 13F 826F 27 202 F 0 9992.26 F 3967 33.65 0050F 1-124F 2632F 1335 F 15 F 952F 82 278 F8 6992.27 F 5625 40-84F 1413F-195oF 3328F 2297 F 3F 1358 103 830 F 3 6992.28 F 7552 28.88 193-9F 2977F 5371 F 2181 F 39F 1157F 18 f 967 0 0992.29 F 5831 25.00 F1487F 1956F 4373F 1458 [ 0 991 F 98 362 F 7 0992.30 F 4539 F 16.85 r 1222 r 1502F 3774F 765 F 33 F 440 11 F 281 F0 0992.31 5802 21.15 F 15 8 7F 1704F 4575 F 1227 29 896 29 273 F 0 6992.32 F 5529 F21.76FI559 F 1902F 4326F 1203 13F 813F 40 F 306 F 31 6992.33 r 3337 26.37 f 839 F 956F 2457F 880 F 23F 576F 23 258 F 0 0992.34 F 2982 29.98 887 915 2088 894 79 539 F 31 245 F0 0992.35 F 4716 18.13 1201 1800 f 3861 F 855 r 6F 3731 0 F 466 10 0992.37 F 3680 F18.23F 977F 1225f 3009 r 671 18 333 F 25F 295 F--0 9992.38 4511 22.26 1220 F 1-348F3507 1004 23 698 25 2581 0 0992.39 F 3774 99.00 F 1-103 1281 3657 717 37 431 F 1 0 2490 0992.40 64 5238 12. 1336 2056F 4576F 662 F 9 F 328 51 F 266 9992.41 4238 26.55 1091 1553 3113 1125 45 534 62 470 14 0992.42 F 3629 30.64 814 1130 2517 1112 15 367 215 515 1 0 9992.43 F 4108 14.61 F-1056F 1651 F 3508F 600 F 16 F 248F 17F 31-1 F 8 Get Previous 100 Records Get Next 84 Records 4 ors 5/13/00 1126 AM • hupJ/w W.tl-.60cgi-bin/P(11SA(A.DLUWebCmsus/mr._AMcaz awnty=159+-+ORANGE &as_trlo as_startrm --300 Maintained by FF/EC Last Updated: 11/01/1999 5of5 5/13/00 11:26 AM hup://w -fri 09i-bin/PBISA60.Dl.1/Webe sus/uo...A�&as_camtr059+-IORANGI-- &�-Yeas sinnmw=400 19" FFIEC Census Report - Population Information State: 06 - California (CA) County: 059 - ORANGE Note: Records 401 through 484 of 484 Get Previous 100 Records Tnctl Tract/AmericanBN Code [TacAt/"umber[Numbol BNA Minority ��� WhitBNA ofofPopulation Minority Indian Familiesousehods population Population Asian Black Hispanic OtherTract Popuation PopulationPopulationPo ulationPopulation P 0992.44 4140 F 9.44 2261 19401 3749 391 36 159 r 0 196 F 0 0992.45F 3246 20.46 335 1119 2582 664 18 377 34 235 F 0 0992.46 4186 26.11 1140 1272 3o93F 1693F 27F 723 39 F 304o 0993.02 F 7162 12.34 1413 F 3373 F 6-278 F 884F 73F 177F 25F 603 F6 9993.05 F 7047 F 27.49 1562 2747 5110 1937 56 301 110 F 1470E--0 0993.06 F--5674F-14.82FI298F 2562F 4833 F 841 F 46F 179 33 574 [ 9 9993.07 F 2459 F13.18F 659F 1292F 2135F 324 24F 58 F 45 197 F0 0993.08 2427 12.61 828 950 2121 306 11 191 28 76� 0 0993.09 3569 10.25 1024 1585 3203 366 23 79 48 216F 0 0994A2 7256 60.54 1384 2001 2863 4393 21 785 79 3508 F 0 0994.04 F 4881 F13.97FI287F 1680 F 4199 F 682F 11F 302F 31 F 338F 0 9994.05 F 4404F27-57F 1131 F 1601F 3190 F 1214 F 31F 301 F 98 F 784 F0 0994.06 F 4509 19.29 1271 F 1686 3639 F 87oF 28 F 45oF 39 F 353 F 0 6994.07 F 2465 12-45F 653 F 952F 2158 F 307 55 F 651 0 F 187 F 0 0994.08 3418 23.61 888 1293 2611 807 21 335 115 332 �4 0994.10 F 3760 23.67 667 1509 F 2870 890 69 390 69 3581 4 9994.11 F 5340 31.24 I381 1985 F 3672 1668F 37F 404F 126F 1101 r 6 6994.12 F 4820 F14.77F 1189 F 1809 F 4108F 712 r 8 F 385F 32F 278 F 9 0994.13 F 4663 V -29.66F 889F 2014F 3280 F 1383 F 38 F 530 F 73F 742 F 0 I of4 5/13/00 I1:27 AM httpl/www.tfw*'rgi-bin MISA60.1)1.UWehCensushxt...A)cat c ntY059+-+QRAN(ir &as_lo•as_slanmw=41N1 I0994.15 1 56101 20.461 15831 18241 44621 11481 241 7561 141 3241 30 0994.16 4356 Fl3-96 929 2109 3748 f 608F 53 81 81 357 36 0994.17F 3866 15.13 977 1766 3281 585 16 288 14 267F 0 0995.02 F 772 33.68 F 208F 216F 512F 260 r 3F 55F 109 F 93 F 0 0995.04F 2615 F 7-46F 793F 969F 242OF 195 F 5 37 F 6F 144 3 09 55.05 6358 10.29 1385 3366 5704 654 17 -521 29 464 12 0995.06F 1373 1 0.71 F 291 618 1226 147 F-- 9 26 r-- 8 104 F 0 0995.07 8262 12.37 2494 4461 7240 1022 55 604 17 346 F- 0 0995.08 F 4461 13.25 f 1065F 2024F 38701 591 r 6 139 45 401F 0 0995.09 F 3853 2.7oF 828F 2763 F 3749 F 104 F 0 56 F- 9 30 F - 9 0995.10 F 4460 3.21 F 951 3439F 4317 143 18 40 i 0 85 F 0 0996.01 6893 F61.28 I 483F 1814F 2669 F 4224F 46F 1368 62F 27481 0 9996.02 F 3377F27-57F 818F 1029 F 2446F 931 F 12F 315 F 35 F 565 r 4 0996.03 6141 20.66 1647 2242 4872 1269 82 729 F 453 0 0996.04F 3863 21.85 884 1166 F 3019 844 49 430 i 0 F 365 F 0 0996.05 F 3613 21.73 995 F 1219F 2828 F 785 F 0 F 4291 9 330 17 9997.01 F 4767 F4-8-54F-103-oF 1479F 2453F 2314F 53 F 11931 55 1013 F0 0997.02 6558 30.50 1618 2138 4558 2000 29F 1-295 59 617 l 0 9997.03 4848 33.89 1238 1637 3205 1643 13 914 49 F 667 r 0 0998.01 F 4339 " 45.33 1022 1278 2372 1967 F- 7 764 42 1154 0 0998.02F 3825 48.00 857 1452 1989 8836 F 8 765 11 F 1048 F 4 0998.03 4492 59.51 1007 1320 1819 2673 44 1 06oF-22F 1538 F 9 0999.02 F 4177 39.98 962 1-162F 2507 F 1670 F 0 672 F--66 932 F 0 0999.03 5172 52.49 1177 1448 F 24571 2715 F 8 F 1246 10 F 1-45IF-0 6999.04 F 5297 40.99 1350 F 1-864F1126 2171 37 1129 60 945 F 0 0999.05 2623 20.36 7-291 1229 F 2089 534 40 187 32 275 F 0 0999.06 4811 F 19.19 1416 1648 3888 923 29 503 33 358 F0 1100.01 4650 17.55 1230 1477 3834 816 35 313 11 392 65 2 ofa 5/13/011 11:27 AM • http-l/www.Ifuo/cgi-bin/PAISA60.1)1.1JWebCcn,%Ww...A)&as county-county-ORANCE &as le&w slwtmw=4011 11100.03 1 30311 20.321 8511 9761 24151 6161 01 3101 211 2851 0 1100.04 F 4762 16.30 1379 1657 3986 776 F- 0 372 45 359 0 1100.05 F 3263 12.87 955 1149 F 2843F 420 F 2 187 33 198 F 0 1100.06 F 2768 F 6.39 F 858 0095 F 2591 F 177 l u F 106 F 8F 63 0 1100.07 4640 F 10.50 1396 1655 4153 487 17 195 27 248o 1100.08 F 4129 I, .33FI239F 1722F 3661 F 408F 12F 114 F 69F 273F 0 1100.10 4780 F34.69 1236 1384 3122 1658 11 F 1632 35 580 0 1100.11 F 2899 26.11 F 852 -logo F 2142 757 F 5 438 F- 0 314 F�o i100.12 F 4944 19.52 1504 1644F 3979F 965 F 0 F 641 F 15 309F0 1100.13 F 8883 21.09 F2266 F 3-167F 701oF 1873F 43F 568F 278F 984F0 1101.02 F 5488 37.39 1508 1803 3436 2052 F- 6 1-1211 121 804 F-0 1161.04 F 5362 F 29.37 1412 F 1-695 F 3787F 1575F 36F 732F 124F 683 F 0 1101.06 3536 1 23.78 959 1239 F 2695 841 32 330 61 411F 7 1101.08 2692 29.46 674 930 8899 793 F 6 223 60 504 � 0 1101.09 4408 27.88 11-741 1671 F 3179 1229 13 654 53 499 10 1101.10 F 4934 34.56 1286 1638 3229 F 1705 F 14F 467 F 16F 1208F 0 1101.11 5098 30.31 1395 1722 3553 1545 28 632 153 732 [--0 1101.12 5900 21.63 1678 2234 4624 1276 21 600 F-219F-4171 19 1101.13 F 2204 35.98 537 584 1411 793 F 0 464 F-o 329 0 1101.14 F 5005 28.93 r 1290 F 1-478F3557F 1448 42 557 80 F 758 F 11 1101. 5 F 3822 50.24 1049 F 1-181 F 1902 9920 F 2oF 1288 F 253F 359 F 0 1101.16 4481 F 53.65 1207 1314 2077 2464 F 4 1777 90 508 25 1102.01 F 6156 33.25 1673 F 2-156F 41ogF 2047 F 47F 783 181 1036 F0 1102.02 5422 31.46 1296 1967 3716 1706 18 559 234 895 0 1102.03 F 5259 28.24 1391 F 1754F 3774F 1485 F 94F 481 F 94F 80OF 16 1103.01 6627 39.47 1788 2198 4011 2616 27 1113 245 1223 8 1-103.02 F 5454 45.56 13-731 1633 2969 2485 24 787 76 1593 5 1103.03 4466 32-36F 1231 F 1564 F 3021 F 1445 F 0 F 593F 149 F 703 r 0 3 of 5/13/00 11:27 AM • http://www.lfiecoi-bin/PBISA60.Dt.VWebCensustm..A)&ac_munt5-059+-+GRANGE Ru_Irxl s. slartmw=41N1 11103.04 I 46591 38.571 12251 13571 28621 17971 01 9381 801 7451 34 1104.01 F 4348 33.81 1134 1382 2878 1470 F— 6 404 27 1028 F-- 5 1104.02 4677 47.40 1030 1276 2460 2217 F 0 755 27 1435 1105.00 F 7086 54.69 1692 2383 3211 3875 70 954 185 2647 19 1106.01 T 6366 51.68 I 1-493F2089 3076 3290 17 745 152 2355 21 1106.03 6754 53.72 1 115 2341 F 3126 3628 73 759 263 2524 F9 1106.04 6299 31.58 1767 2219 4310 1989 12 1251 134 586F 6 1106.05 F 66716671 4�6.20 1781 2228 3589 3082 3�9 2385 62 596 10 1107.98 I OF VI — "I `'�I `'�I�"I �-- oI- VI �'�I- VI-- V Get Previous 100 Records Maintained by FF1EC Last Updated: 11/01/1999 4 of4 5/13/00 11:27 AM TECHNICAL APPENDIX J FFIEC (Federal Financial Institutions Examination Council) . Definitions of Census Information Census Demographic Information http:!/www.ffiec.gov/WebCensus/censusinfs.htin 0 CJ Census Demographic Information Each census report contains the primary census data that the FFIEC uses to create the CRA aggregate and disclosure reports as well as some additional commonly requested census fields used by the public in data analysis. The reports' demographic information, including income, population, and housing data is being obtained from three files: the 1990 Census data; the annual MSA boundary definitions from OMB; and the annual United States Department of Housing and Urban Development (HUD) Median Family Incomes. Unless specifically noted, each item of data on these pages is from the 1990 Census. If a tract is split between two or more MSAs, or between one or more MSAs and non-MSA areas, it is referred to as a split tract. If only one tract is selected when choosing the geographical criteria and it is a split tract, you will be asked to specify the MSA. If multiple tracts are selected when choosing the geographical criteria and one or more of the tracts are split tracts, the split tracts will be identified with a footnote (t) indicator. Note: If more in depth data analysis is needed, you may wish to purchase the FFIEC Census Data CD-ROM. The Census CD-ROM can be purchased for $10.00, and the FFIEC will be updating it annually to reflect changes to MSA boundaries and income estimates developed by HUD. In addition to including a database that purchasers can use to analyze the data, this software contains a larger selection of census information and the ability to subset the data by state, MSA, or county and then view, print, and/or export the data. Surnmaa Census Demographic Information TractBNA Income Level - This corresponds to tract classifications as defined by the HMDA and CRA regulations. The incomes used for these calculations are the Median Family Incomes from the 1990 Census. If the Median Family Income % is < 50% then the Income Level is Low. If the Median Family Income % is >= 50% and < 80% then the Income Level is Moderate. If the Median Family Income % is >= 80% and < 120% then the Income Level is Middle. If the Median Family Income % is >=120% then the Income Level is Upper. If the Median Family Income % is 0% then the Income Level is Not Known. TractBNA Median Family Income % - This compares the TractBNA's Median Family Income (MFI) level to the MSA's MFI. It is calculated by dividing the 1 of 5 5113100 9:45 AM Census Demographic Information http://ww-%v.Mcc.gov/WebCensus/censusinfs.htm 1990 TractBNA MFI by the 1990 MSA MFI. (For Tract/BNAs located outside of an MSA, the MFI used in the denominator is the Statewide non-MSA MFI. This . figure is calculated using incomes from all areas of a state that are not assigned to MSAs). Go to TractBNA Income Level to see how the tractBNAs are grouped based on their Median Family Income %. HUD MSA Median Family Income - This is the Estimated Median Family Income as determined by the U.S. Department of Housing and Urban Development (HUD) for each year. HUD annually estimates this income for each MSA in the United States and for each state's non-MSA area. Est. TractBNA Median Family Income - This is the Census TractBNA's estimated Median Family Income (MFI) for each year, based on the HUD estimate for the MSA or non-MSA area where the TractBNA is located. It is calculated by multiplying the TractBNA's Median Income % by the annual HUD MSA MFI. 1990 TractBNA Median Family Income - This is the Census TractBNA's Median Family Income based on the 1990 Census. TractBNA Population - This is the Census TractBNA's population based on the 1990 Census. TractBNA Minority % - This is the percentage of the tractBNA's population that is Black, Hispanic, Asian, American Indian or Other according to the 1990 • Census. It is calculated by dividing the Minority Population by the TractBNA Population. Minority Population - This is the Census TractBNA's population of Black, Hispanic, Asian, American Indian or Other non -white people based on the 1990 Census. Owner -Occupied Units - This is the number of housing units that were lived in by the owner of the unit. This number was determined by the 1990 Census. 1- to 4-Family Units - This is the number of housing units that hold less than 5 families. Condominiums, townhouses, and single-family homes are included in this number. Apartment buildings are not included in this number. The number was determined by the 1990 Census. Census Income Information TractBNA Income Level - This corresponds to tract classifications as defined by the HMDA and CRA regulations. The incomes used for these calculations are the Median Family Incomes from the 1990 Census. If the Median Family Income % is < 50% then the Income Level is Low. 2of5 5113100 9:45 AM Census Demographic Information http://w%w.ffiec.gov[WebCensus/censusinfs.htm If the Median Family Income % is >= 50% and < 80% then the Income Level is Moderate. • If the Median Family Income % is >= 80% and < 120% then the Income Level is Middle. If the Median Family Income % is >=120% then the Income Level is Upper. If the Median Family Income % is 0% then the Income Level is Not Known, 1990 MSA/statewide non-MSA Median Family Income - This is the median family income (MFI) of the MSA that the tractBNA is based on the 1990 Census. If the tractBNA is not in a MSA, this MFI is for all portions of the state not in MSAs. HUD Estimated MSA/non-MSA Median Family Income - This is the Estimated Median Family Income as determined by the U.S. Department of Housing and Urban Development (HUD) for each year. HUD annually estimates this income for each MSA in the United States and for each state's non-MSA area. % below Poverty Line - This is the number of people in the tractBNA living below the poverty level divided by the tractBNA's total population. This percentage was determined by the 1990 Census results and the Census's definition of the poverty level. • TractBNA Median Family Income % - This compares the TractBNA's Median Family Income (MFI) level to the MSA's MFI. It is calculated by dividing the 1990 TractBNA MFI by the 1990 MSA MFI. (For TractBNAs located outside of an MSA, the MFI used in the denominator is the Statewide non-MSA MFI. This figure is calculated using incomes from all areas of a state that are not assigned to MSAs). Go to Tract/BNA Income Level to see how the tractBNAs are grouped based on their Median Family Income %. 1990 TractBNA Median Family Income - This is the Census TractBNA's Median Family Income based on the 1990 Census. TractBNA Estimated Median Family Income - This is the Census TractBNA's estimated Median Family Income (MFI) for each year, based on the HUD estimate for the MSA or non-MSA area where the TractBNA is located. It is calculated by multiplying the TractBNA's Median Income % by the annual HUD MSA MFI. 1990 TractBNA Median Household Income - This is the median income of all households in the tractBNA based on the 1990 Census. Whereas a family is defined as two or more related persons living in the same residence, a household includes all residences, even those for single people or unrelated groups of two or more. 3of5 5/13/00 9:45 AM Census Demographic Information http://www.Mec.gov/Web,Census/censusinfs.htm Census Population Information • TractBNA Population - This is the Census TractBNA's population based on the 1990 Census. TractBNA Minority % - This is the percentage of the tractBNA's population that is Black, Hispanic, Asian, American Indian or Other according to the 1990 Census. It is calculated by dividing the Minority Population by the TractBNA Population. Number of Families - This is the number of families in the tractBNA as determined by the 1990 Census. A family is defined as two or more related people living together. Number of Households - This is the number of households in the tractBNA as determined by the 1990 Census. A household is any residence, including those occupied by single people and unrelated groups of two or more. By definition, all families are also considered households, but not all households are families. White Population - This is the number of people in the tractBNA that listed themselves as non -Hispanic white on the 1990 Census. TractBNA Minority Population - This is the Census TractBNA's population of Black, Hispanic, Asian, American Indian or Other non -white people based on the • 1990 Census. American Indian Population - This is the number of people in the tractBNA that listed themselves as non -Hispanic American Indian or Alaskan Native on the 1990 Census. Asian Population - This is the number of people in the tractBNA that listed themselves as non -Hispanic Asian or Pacific Islander on the 1990 Census. Black Population - This is the number of people in the tractBNA that listed themselves as non -Hispanic black on the 1990 Census. Hispanic Population - This is the number of people in the tractBNA that listed themselves as Hispanic on the 1990 Census, even if they also listed another race in combination. Other Population - This is the number of people in the tractBNA that listed themselves as non -Hispanic Other on the 1990 Census. • Census Housing Information Total Housing Units - This is the total number of occupiable housing units in the 4of5 5/13100 9:45 AM Census Demographic Information http://www.ftiec.govfWebCensus/censusWs.htrn tractBNA as determined by the 1990 Census. 1- to 4-Family Units - This is the number of housing units that hold less than 5 • families. Condominiums, townhouses, and single-family homes are included in this number. Apartment buildings are not included in this number. The number was determined by the 1990 Census. Median Age of Housing Stock - This is the median age of all housing units in the tract/BNA as determined by the 1990 Census. Remember that this would be the median age in 1990 so the median age now would be higher, unless a lot of new residences have been built since then. Inside Central City? - This is a Yes/No indicator of whether this tractBNA is part of the MSA's central city. Owner -Occupied Units - This is the number of housing units that were lived in by the owner of the unit. This number was determined by the 1990 Census. Renter Occupied Units - This is the number of housing units that are occupied by someone other than the owner. This number was determined by the 1990 Census. Vacant Units - This is the number of housing units that are not occupied. This number was determined by the 1990 Census. Owner -Occupied 1- to 4-Family Units - This is the number of housing units that le have less than 5 residences and were occupied by the property owner. It was determined by the 1990 Census. Click on `Back to main' to return back to the main FFIEC Home Page. Click on `Back to Census' to return to the previous screen where you can enter address information. [ Back to main I Back to Census ] Maintained by FFIEC Last Updated: 10/28/1999 • 5 of 5 5113100 9:45 AM TECHNICAL APPENDIX K 1999 FFIEC (Federal Financial Institutions Examination Council) Census Report - Income Information by Census Tract for Orange County, CA 0 hnp://www.Mcc.gov/cgi•bin/PBISA60.DLL...+(CA)&as_Counn=059---ORANGE &as_tracr- 0 1999 FFIEC Census Report - Income Information State: 06 - California (CA) County: 059 - ORANGE Note: Records 1 through 100 of 484 Get Next 100 Records Tract Code Tract/ BNA Income Level 1990 MSA/ Statewide non-MSA Median Family Income 1999 HUD Estimated MSA/non-MSA Median Family Income % below Poverty Line Tract/ BNA Median Family Income % 1990 Tract/ BNA Median Family Income 1999 Tract/Tract/ BNA Estimated Median Family Income 1990 BNA Median Household Income 0011.01 Middle F $51,269 F $68,300 F 4.68 165.23 $53,948 $71,872 $49,583 0011.02 Middle F $51,269 $68,300 6.85 95.56 $48,991 f $65,2671 $43,750 0011.03 Moderate r $51,269 F $68,300 F 7.14 78.58 $40,286 F$53,676 F$33,599 0012.00 Moderate F$51,269F $68,366F 13.00 F68.91 $35,330 F$47,066F$32,716 0013.01 Middle $51,269 $68,300 2.89 91.34 $46,831 $62,385 $39,028 0013.03 Moderate $51,269 F $68,300 F 10.44 75.88 $38,902 F $51,826 $39,653 0013.04 Moderate F$51,269F $68,300 F 17.04 61.28 $31,419 Fs4l,854F$31,424 0014.01 Middle $51,269 F $68,366F 7.65 F92.09 $47,212 $62,897 $39,917 0014.02 Middle F$51,269 F $68,30OF 5.17 95.20 $48,806 $65,022 $44,479 0014.63 Middle $51,269 $68,300 1.94 103.84 $53,238 $70,923 $53,355 0014.04 Moderate F $51,269 F $68,300 F 10.33 F77.53 $39,750 $52,953 $32,549 0615.01 Middle $51,269 F $68,300 F 2.92 113.09 $57,981 F$77,240 F$53,927 0015.02 Middle F$51,269 F $68,366F 3.67 119.85 $61,444 $81,858 F$49,545 0015.03 Middle $51,269 F $68,300 8.06 99.94 $51,238 $68,259 $46,614 0015.04 Moderate F $51,269 F $68,300 4.80 F67.14 $34,422 F$45,8571 $33,043 6015.05 Middle F$51,269 F $68,366F 4.58 105.08 $53,876 $71,770 F$49,795 0016.01 Upper $51,269 $68,300 3.13 130.72 $67,017 $89,282 $62,214 0016.02 Upper 7$51,269 F $68,300 F 2.10 160.81 $82,445 $109,833 $71,060 6017.03 Upper F$51,269 F $68,366F 1.54 128.56 $65,913 $87,806 F$61,992 0017.04 Upper F $51,269 F $68,300 F 2.86 123.79 $63,464 F$84,549 F$59,872 0017.05 Upper $51,269 F $68,300 F 6.97 121.80 $62,446 F$83,189 F$56,441 0017.06 Upper F$51,269 F $68,30OF 1.12 170.20 $87,261 $116,247 F$80,921 0018.01 Moderate F$51,269 F $68,300 F 9.41 F75.16F$38,533 F$51,334 F$35,887 0018.02 Moderate F$51,269 F $68,300 F 19.86 F61.92 $31,745 F $42,291 F$32,536 0019.01 Middle 551,269 F $68,366F 6.70 F80.96 $41,506 F$55,296 $40,917 0019.02 Middle $51,269 F $68,300 F 3.34 92.27 $47,305 F$63,020 F$43,261 0019.03 Middle r $51,269 F $68,300 7.33 F92.92F$47,639 F$63,464 F$38,885 1 oN 5/13/00 11:04 AM http:!/www.Moc.gowcgi•birv?BISA60.DLL...-(CA)&at Countr-054+•+ORANGE &astraces 10110.00 IMiddle 1 $51,2691 $68,3001 8.791 87.271$44,7421 $59,605 I $40,631 0111.01 Middle F $51,269 F $68,300 6.83 87.13 $44,669 $59,510 1 $37,778 0111.02 Middle F $51,269 F $68,300 F 8.27 F88.54Fs45,392 $60;473 F$45,855 0112.00 Middle F$51,269F $68,30OF 9.52 96.83 $49,643 F$66,135F$36,582 0113.00 Middle F $51,269 F $68,300 F 13.79 89.16 $45,714 $66,896 $38,924 0114.95 Moderate F $51,269 F $68,300 F 21.65 F 69.12 $35,437 F $47,209 $37,500 0114.96 Upper F$51,269 F $68,30OF 2.31 123.39 $63,262 $84,275 $56,354 0114.97 Middle $51,269 $68,300 3.13 107.64 $55,184 $73,518 $52,897 0114.98 Moderate F$51,269 F $68,300 F 10.43 F72.16 $36,994 F$49,285 F$32,076 0115.01 Moderate F $51,269 F $68,3ooF 16.45 F 79.48 $40,750 F $54,285 F$32,195 0115.02 Middle F -s5l,2691 $68,300 F 7.39 F 82.71 Fs4-2,4o7l $56,491 F$36,839 0116.01 Moderate F$51,2691 $68,300 F23.59 F58.27 F$29,8721 $39,798 F$30,591 0116.02 Moderate F $51,269F $68,3ooF 16.84 62.56 $32,072 $42,728 $29,700 0117.07 Middle F $51,269 F $68,300 F 5.82 101.72 $52,152 F$69,475 F$41,431 0117.08 Middle F $51,269 F $68,300 F 16.89 F91.45 $46,886 F$62,460 F$36,049 0117.09 Upper F$51,269 F $68,356F 1.37 141.68 $72,638 F$96,767 F$68,452 0117.10 Upper F$51,269F $68,30OF 1.18 139.12 $71,323 $95,019 $66,772 0117.11 Moderate F $51,269 F $68,300 F 16.31 64.14 $32,885 F$43,808 F$31,335 0117.12 Middle F $51,269 F $68,300 F 9.97 F 82.90 $42,500 F$56,621 F$38,340 0117.14 Middle F$51,269F $68,300 F 12.35 F 98.48 $50,489 F$67,262 F$47,361 oll7.15 Upper $51,269 $68,300 2.97 134.02 $68,709 F$91,536 F$64,991 0117.16 Upper F $51,269 $68,300 F 4.74 F124&4Fs63,962 F -s85,-1291 $56,549 0117.17 Middle F$51,269F $68,300 5.79 108.58 $55,668 F$74,16o F$53,791 0117.18 Middle F $51,269 F $68,300 F 1.70 F,12.67 $57,763 $76,954 F$57,697 0117.19 Moderate $51,269 $68,300 16.51 75.62 $38,770 $51,648 $36,250 0117.20 Moderate F $51,269F $68,300 F 22.96 F 52.68 $27,007 F$35,985 F$31,266 6218.02 Middle F $51,269 F $68,366F 2.75 118.80 $60,910 F$81,14o Fs53,345 0218.07 Middle F$51,269 F $68,300 F 3.68 107.94 $55,342 F$73,723Fs53,018 0218-69 Fupper $51,269 $68,300 0.59 125.95 $64,573 $86,024 $63,968 0218.10 Upper $51,269 7 $68,300 2.39 129.12 $66,197 $88,189 $65,025 0218.11 Middle $51,269 $68,300 3.30 I18.05 $60,521 $80,628 $55,433 0218.12 Middle F $51,269 F $68,300 F 4.26 110.91 $56,864 F $75,752 $53,532 0218.13 Moderate $51,269 $68,300 60.00 F 69.49 F$35,6251 $47,462 F$35,625 0218.14 Upper $51,269 F $68,300 F 1.19 137.01 $70,246 F$93,578 Fs63,073 0218.15 Middle F $51,269 F $68,300 2.80 115.56 $59,249 $78,927 $51,224 0218.16 Upper $51,269 $68,300 4.23 129.28 $66,279 $88,298 F$63,190 0218.17 Middle $51,269 $68,300 2.82 113.78 $58,335 $77,712 $55,935 2218. 8 FUpper F$51,269 F $68,300 F 1.13 149.99 $76.900 $102,443 $73,602 2 of 4 511310011:04 AM hnp://www.Mec.gov/cgi.bin/PBISA60.DLL...+(CA)&as_Counn-059-•+ORANGE &as_tract- U 11 10218.19 jUpper 1 $51,2691 $68,3001 2.421160.121$82,0931$109,362 $81,376 0219.03 Middle F$51,2697 $68,300 6.26 115.67 $59,305 $79,003 F$57,263 0219.04 Upper F$51,269 F $68,300 F 2.40 177.50 $91,002 $121;233 F$83,296 0219.05 Upper 1 $51,269 F $68,300 F 2.64 131.44 $67,387 $89,774 $66,677 0219.09 Upper $51,269 $68,300� 151.34 $77,589 $103,365 $70,285 02 99.10 Upper $51,269 $68,300 5.08 148.03 $75,892 $101,104 $71,004 0219.11 Upper -$51,2691 $68,300 F 1.20 160.09 $82,078 $109,341 1 $80,559 0219.12 Upper F$51,269 F $68,3ooF 3.71 177.04 $90,768 $120,918 F$89,727 0219.13 0219.14 Middle Middle F $51,269 F $51,269 F $68,365F $68,300 9.61 8.05 F97.25 113.36 $49,861 $58,116 F$66,422 $77,425 F$50,018 $57,378 0219.98 Middle F $51,269 F $68,300 3.89 105.76 $54,222 $72,234 F$52,541 0320.02 0320.03 Upper Upper F$51,269 F $68,300 F$51,269 F $68,300 1.50 F 1.67 126.44 132.45 $64,823 $86,359 $67,907 F$90,463F$67,081 $611994 0320.06 Middle $51,269 $68,300 2.22 111.38 $57,102 $76,073 $48,155 0320.11 Middle F $51,269 F $68,300 2.26 97.39 $49,931 $66,517 $47,407 0320.12 Upper $51,269 $68,300 1.91 145.59 $74,640 $99,438 $71,721 0320.13 Upper F$51,269 F $68,300 F 2.02 155.67 $79,810 $106,323 $78,349 0320.14 Moderate F$-51,2691 $68,300 3.74 79.53 $40,776 $54,319 $37,361 0320.15 Upper $51,269 $68,300 6.10 124.99 $64,081 $85,368 $61,948 0320.16 Middle 0320.18 UpperF $51,269 $51,269 $68,300 F $68,30OF 2.31 2.92 119.28 148.17 $61,154 , $75966 $81,468 $i01,200 $60,119 F$69,333 0320.19 Middle F $51,269 $68,300 F 1.68 101.30 $51,938 $69,188 1 $47,386 0320.21 Uppere $51,269 $68,300 10.91 147.95 $75,850 $$10i,050 1 $72,104 6326.22 0320.23 0320.24 • Middle $51,269 Upper F-s5l,2691 Upper $51,269 e Uper$51,269 $68,300 $68,300 F $68,300 $68,300 4.70 F 1.75 F 2.34 2. . 158 92.49 F,-2o.o2F$61,5321 F161.90 13.57 r26. $47,417 $83,003 227 , $0�326Z6 64826r$86359 $63,171 $45,795 $81,974 F$60,769 $110,578 $81,107 5681 i2 ,3- $53,7 nown0322.98 Unk $51,269 F $68,300 F 000F 000l $0 F $0 F $0 0421.03 Middle $51,269 $68,300 0421.05 Upper F $51,26 $68,300 F 5.60 F 5.59 F04.60 128.42 $53,629 $65,839 $71,442 $45,854' $87,711 $60,988 0421.06 Middle F$51,269 F $68,366F 0421.07 Moderate F $51,269 F $68,300 5.58 F14.86 116.56 F61.8o $59,761 $31,685 F$79,616 Fs42,212 F$42,209 F$32,962 Get Next 100 Records 3 of4 5113100 11:04 AM http:/Iwww.Mec.gowcgi-bin/PBISA60.DLL... �(CA)&as_County=059+-+ORANGE &as_tracr— Maintained by FFlEC Last Updated: 11/01/1999 • • 0 4 of4 5/13/00 11:04 AM hapl/w v.filet.goy/cgi•bin/PBISA60.DLL... 059-+GRANGE &as_tracr=&as_smmoµ=100 1999 FFIEC Census Report - Income Information • State: 06 - California (CA) County: 059 - ORANGE Note: Records 101 through 200 of 484 Get Previous 100 Records Get Next 100 Records • Tract Code Tract/Statewide BNA Income Level 1990 MSA/ non-MSA Median Family Income 1999 HUD Estimated MSA/non-MSA Median Family Income % below Poverty Line Tractt BNA Median Family Income % 1990 Tract/ BNA Median Family Income 1999 TracUTract/ BNA Estimated Median Family 1990 BNA Median Household Income ncome 0421.08 Moderate $51,269 $68,300 12.61 67.20 $34,453 $45,898 $31,483 0421.09 Middle F$51,269 F $68,366F 5.43103.55 r $53,090 F$70,725F$48,462 0421.10 Middle F $51,269 F $68,366F 5.08109.35 F$56,063F$74,686 F$49,247 0422.01 Middle $51,269 F $68,366F 8.28102.53 $52,564 $70,028 $43,571 0422.03 Upper $51,269 $68,300 2.54128.99 $66,134 $88,100 $57,187 0422.04 Middle F$51,269 F $68,300 F 3.63119.48561,255 F$81,665 F$58,766 0423.05 Upper $51,269 $68,300 5.28 178.13 $91,326 $121,663 $70,053 0423.06 Upper $51,269 F $68,300 F 2.78135.58 F $69,510 F $92,601 F$63,204 0423.07 Upper F $51,269 F $68,300 r 7.02120.27 $61,659 F$82,144 f $54,640 0423.08 Upper $51,269 F $68,300 F 1.55 177.02 F$90,757 $120,905 $87,430 0423.10 Middle $51,269 $68,300 8.60 F 87.42 F$44,817 F$59,708 r $37,167 0423.11 Upper F$51,269 F $68,30OF 2.04130.83 $67,074 $89,357 $62,139 0423.12 Moderate F$51,269 F $68,366F 9.22 77.18 $39,569 $52,714 $38,000 0423.13 Moderate $51,269 $68,300 18.45 r 73.23 F$37,542 F$50,016 r $37,768 0423.15 Upper F$51,269F $68,366F 1.91136.97570,223 $93,551 $64,728 0423.16 Middle F $51,269F $68,3ooF 4.18 112.38 F$57,616F$76,756 F$53,319 0423.17 Upper $51,269 $68,300 2.12 198.21 $161,620 $135,377 $82,268 0423.18 Upper 7$51,269 F $68,366F 3.16 147.52 F$75,632 $100,756 F$64,316 0423.19 Upper $51,269 F $68,366F 3.11 179.12 $91,834 $122,339 $93,805 0423.20 Middle F$51,269 F $68,366F 3.72102.25 $52,424 $69,837 $45,031 0423.21 Upper $51,269 $68,300 F 1.98 152.04 F$77,949 $103,843 $69,437 0423.22 Upper F $51,269 F $68,300 3.62134.61 $69,015 $91,939 $63,242 0423.23 Upper $51,269 F $68,300 5.47124.63 $63,895 F$85,122 F$55,355 0524.04 Moderate $51,269 F $68,300 6.21 55.96 $28,692 $38,221 $29,212 0524.05 Upper $51,269 $68,300 3.44123.67 $63,462 $84,467 $55,257 0524.08 Upper F$51,269'1 $68,356F 1.72145.72 $74,709 $99,527 $71,559 0524.10 Middle F$51,269 F $68,300 F 6.67101.04 F$51,802 F$69,010 F$43,056 I of 4 5/13/00 11:06 AM http://www.Mcc.gowcgi•birv?BISA60.DLL...059+.+ORANGE &as_trac&az smmw=100 • E 10524.11 IMiddle I $51,2691 $68,3001 4.341109.091 $55,9271 $74,5081 $55,390 0524.12 Upper F$51,269 F $68,300 2.80 160.04 $82,052 $109,307 F$67,462 0524.13 Upper F$51,269 F $68,300 F 2.42123.59 F$63,363 F$84,412 F$57,320 0524.14 Upper F$51,269 F $68,300 1.89133.32 $68,350 F$91,058 F$64,680 0524.15 Upper $51,269 $68,300 r 1.32 155.55 $79,748 $106,241 F$79,367 0524.16 jUpper $51,269 , $68,300 F 3.15122.11 $62,605 $83,401 $58,914 0525.01 Moderate F $51,269 F $68,300 F 1.58 55.74 $28,576 $38,070 $29,188 0525.02 Upper $51,269 F $68,300 2.47122.09 $62,594 $83,387 $61,005 0525.05 Middle $51,269 $68,300 5.75 95.34 $48,880 $65,117 $44,706 0525.06 Upper F $51,269 F $68,300 F 2.00121.86 $62,475 F$83,23o F$61,037 0525.11 Upper $51,269 $68,300 2.23126.84 $65,029 $86,632 $58,717 0525.12 Upper $51,269 F $68,3ooF 2.87130.15 $66,729 Fs88,892F$61,007 0525.13 Upper F $51,269F $68,300 F 2.27123.29 F$63,211 F$84,207 F$57,928 0525.14 Upper F $51,269 F $68,300 8-9 8 r, 2 -7.89F-s65,5671 $87,349 $59,808 0525.15 Low $51,269 F $68,300 F 5.34 F47.21 F$24,205 F$32,244 F $24,233 052316 Upper F s5 -1,2691 $68,300 6.10136.29 $66,798 $88,988 $58,645 0525.17 Middle F $51,269 F $68,300 F 4.09 94.14 $48,264 $64,298 $43,996 0525.18 Unknown $51,269 $68,300 0.00 0.00 $0 $0 $0 0525.95 Upper F$51,269 F $68,3ooF 2.63136.79 $70,131 $93,428 $65,598 0525.96 Upper -$51,2691 $68,300 F 3.30122.66 F $62,8841 $83,777 r $62,181 0525.97 Upper F $51,269 F $68,300 F ,.90123.99 F $63,568 $84,685 $60,812 0525.98 Upper F -$51,2691 $68,300 r 3.18129.50 F$66,394 F$88,449 F$62,808 0626.04 Upper F -$51,2691 $68,300 F 5.02 168.93 $86,610 $115,379 $62,849 6626.05 Middle $51,269 $68,300 f 10.72 002.98 Fs52,798 Fs7o,335 Fs36,69, 6626.07 Middle $51,269 $68,300 4.56113.31 $58,091 $77,391 $49,362 0626.10 Urlk own F$-51,2691 $68,300 F 0.00 F 0.00 F $0 $0 F$38,750 0626.11 Middle $51,269 $68,300 12.43 92.82 $47,589 $63,396 $45,924 0626.12 Upper $51,269 F $68,300 F 6.49124.73 F $63,947 585,191 F$57,760 0626.13 Unknown $51,269. $68,300 F 0.00 F 0.00 $0 F $0 $0 06 66.14 Moderate F-$51,2691 $68,300 31.17 66.47 $34,076 $45,399 $24,132 0626.17 Upper $51,269 $68,300 4.01 202.06 $103,594 $138,007 $88,715 0626.18 Upper $51,269 $68,300 5.52 202.66 $103,900 $138,417 $89,958 0626.19 Middle $51,269 F $68,300 7.73118.73 $60,874 $81,093 $52,287 0626.20 Upper $51,269 $68,300 3.32 162.60 $83,362 $111,056 $73,862 6626.21 Middle $51,269 F $68,300 -2.25F,12.49F$57,6721 $76,831 $55,691 0626.22 Moderate 1 $51,269 F $68,300 F 5.64 79:24 F $40,6251 $54,1211 $26,974 0626.23 Middle $51,269 $68,300 3.21 97.47 $49,970 $66,572 $36,537 0626.24 Moderate $51,269 $68,300 5.98 70.08 $35,928 $47,865 $26,671 2 of 4 5/13/00 11:06 AM http://v .Mcc.gov/cgi-bin/PBISA60.DLL...059*-*ORANGE &as-=r-8aS-SMrtrow=100 • 10626.25 IMiddle I $51,2691 $68,3001 6.78194.971 $48,6901 $64,8651 $36,491 0626.26 Moderate $51,269 $68,300 37.70 78.83 $40,417 $53,841 $32,717 0626.27 Middle F $51,269 F $68,300 F 27.55 94.68 $48,542 $64,666 $35,023 0626.28 Upper F $51,269 $68,300 9.25141.03 $72,303 $96,323 $64,967 0626.29 Upper F -s5l,2691 $68,300 0.88 156.93 $80,454 $107,183 $73,964 0626.30 jUpper $51,269 F -$68,30OF 1.17 179.83 $92,195 $122,824 $87,681 0626.31 Upper F-$51,2691 $68,300 2.75 238.71 $122738 $163,039 $113,057 6627.01 Upper Fs-51,2691 $68,300 F 4.04 223.14 $114,403 $152,405 Fs83,677 0627.02 Upper $51,269 $68,300 6.61 151.56 $77,704 $103,515 $52,788 0627.99 Unknown 1 $51,269 F $68,300 F 0.00 0.00 $0 $0 F $0 0628.00 Middle F $51,269 F $68,300 F 5.70119.04 $61,030 $81,304 $48,000 6629.00 Upper $51,269 0,300 F 3.17 223.36 $114,516 $152,555 $106,657 0630.04 Middle F-$51,2691 $68,300 F -284F118-711 $60,861 $81,079 F$51,463 0630.05 Upper F $51,269 F $68,300 F 3.51 238.71 $122,384 $163,039 $83,134 0630.06 Upper $51,269 $68,300 F 9.65141.25 $72,416 $96,474 $46,712 0630.07 Upper $51,269 F $68,300 2.53 224.31 $115,002 $153,204 F $91,703 0630.08 Upper F $51,269 F $68,300 7.91 198.79 $101,916 Fs 1-35,7741 $98,020 0630.09 Upper $51,269 $68,300 5.23132.12 $67,738 $90,238 $59,055 6630.10 Upper $51,269 $68,300 4.22143.16 $73,398 $97,778 $49,286 6631.01 Moderate Fs-51,2691 $68,300 F 5.92 78.15 F$40,069 F$53,376 F$35,426 6631.02 Middle $51,269 $68,300 6.63 102.00 $52,293 $69,666 $46,887 0631.03 Upper $51,269 F $68,300 F 4.30 151.21 $77,526 $103,276 $54,490 0632. 1 FMiddle F$-51,2691 $68,300 F 6.93 F8-1-461 $41,765 $55,637 $39,777 0632.02 Middle F-$51,2691 $68,300 F 8.33 97.97 $50,229 $66,914 $36,008 0633.00 Middle $51,269 F $68,300 6.23 86.05 $44,115 $58,772 $35,160 0634.00 Upper $51,269 $68,300 4.21134.77 $69,096 $92,048 $58,864 6635.00 Upper F $51,269 F $68,300 13.14125.12 $64,148 $85,457 $51,234 6636.01 Middle F $51,269 F $68,300 F 9.13 F 944.05 F $48,221 $64,2 6F$49,830 0636.02 Moderate F $51,269 F $68,300 16.91 51.86 $26,589 $35,420 $26,641 0636.03 Middle $51,269 $68,300 6.50 94.94 $48,676 $64,844 $45,280 0637.00 Moderate F $51,269 F $68,300 F,5.60 61.96 Fin 767 F s42,3191 $29,422 0638.02 Upper F $51,269 F $68,300 F 4-29 F135.851 $69,650 $92,786 $64,298 0638.03 Middle $51,269 $68,300 5.54 94.94 $48,676 $64,844 $51,813 0638.05 Middle F $51,269 F $68,300 1.92118.50 $60,752 $80,936 $55,511 0638.06 Middle $51,269 F $68,300 F 3.63117.10 $60,034 $79,979 $54,073 0 Get Previous 100 Records Get Next 100 Records 3 of 4 5/13/00 11:06 AM http://ww.Mcc.gov/cgi-bin/PBISA60.DLL...059+-+ORANGE &az tacc=&as_siamow=l00 Maintained by FF/EC Last Updated: 11/01/1999 4 of http://www.Mec.gov/cgi•bin/PBISA60.DLL...059+•+OPANGE &as_tracr-tract 1999 FFIEC Census Report - Income Information • State: 06 - California (CA) County: 059 - ORANGE Note: Records 201 through 300 of 484 Get Previous 100 Records Get Next 100 Records Tract/ 1990 MSA/ Statewide 1999 HUD Estimated , �o below Tract/ BNA 1990 Tract/ 1999 Tract/ BNABNA 1990 Tract/ Tract Code BNA Income non-MSA Median MSA/non-MSA Median Poverty Line Median Family BNA Median Estimated Median Median Level Family Income Family Income Income % Family Income Family Income Household Income 0638.07 Middle $51,269 $68,300 6.08 104.19 F$53,417 r $71,162 F$46,605 0638.08 FModerateF$51,2691 $68,300 F16.28 60.30 $30,917 $41,185 $31,483 0639.02 Middle F $51,269 F $68,300 F 5.33 81.52 r $41,793 $55,678 $37,676 0639.03 Middle $51,269 $68,300 11.56 91.15 $46,731 N2,255548,359 0639.04 Middle $51,269 $68,300 15.14 91.20 $46,757 $62,290 $48,872 0639.05 Middle F $51,2691 $68,30OF 6.30 90.58 $46,437 $61,866 $41,818 0639.06 Moderate $51,269 $68,300 13.09 61.71 $31,637 $42,148 $34,788 0639.07 Upper $51,269 F $68,300 F 4.88 120.61 $61,835 $82,377 $56,7 11 160.08 0 0740 03 M derate $51,269 $68,300 22.17 $30,801 F$41,035 F$31,829 0740.04 Middle F$51,269 F $68,300 F 6.05 F97.41 F$49,939 F $66,531 F$44,792 0740.05 Middle $51,269F $68,300 F16.23 F84.43F$43,288 F$57,666Fs41,567 0740.06 Moderate $51,269 F $68,366F 6.54 78.41 F$40,202F$53,554 F$37,373 0741.01 Moderate $51,269 F $68,30OF 15.09 78.43 $40,208 $53,568 $42,457 0741.02 Middle $51,269 $68,300 10.27 81.54 $41,804 $55,692 $42,500 0741.03 Middle $51,269 F $68,300 F15.65 F81.07 F$41,563 F$55,371 F$40,703 0741.04 Middle F$51,269F $68,366F 6.13 105.94 $54,312 $72,357 $53,808 0741.06 Moderate $51,269 F $68,30OF 5.57 78.49 $40,242 F$53,659 F$38,196 0741.07 Middle F$51,269 F $68,300 F 2.37 790.57 F$46,432 F$61,859 Fs43,780 7742.00 Moderate FT51,269F $68,356F 19.60 F61.99 F$31,786 F$42,339 F$35,636 0743.00 Moderate F $51,269 F $68,300 F 16.31 F67.86 F $34,792 $46,348 $34,688 0744.03 Low $51,269 $68,300 28.14 47.87 $24,545 $32,695 $24,408 0744.04 Moderate F$51,269F $68,356F 10.25 60.87 $31,210 $41,574 F$31,194 0744.05 Low F$51,269F $68,300 30.50 42.02 $21,543 F$28,700 F$25,291 0744.06 Low $51,269 $68,300 F20.44 F46.68F$23,933 $31,882 $25,873 0745.01 Low $51,269 $68,300 34.44 44.33 $22,730 $30,277 $27,921 0745.02 Moderate F$51,269 F $68,300 F17.32 F65.55 F$33,609- $44,771 F$33,583 104 5/13/00 11:08 AM httpJiwww.Mec.gov/cgi•bin/PBtSA60.DLL...059+.+OPANGE &az vacr-&as- startrow=200 i 10746.01 Moderate l $51,269 1 $68,300 1 20.63 1 59.60 1 $30,557 1 $40,707 $31,261 0746.02 Moderate $51,269 $68,300 26.13 56.02 $28,723 $38,262 $30,000 0747.01 Moderate $51,269 $68,300 23.53 63.44 $32,525 $43,330 $35,417 0747.02 Moderate $51,269 $68,300 12.93 60.08 $30,801 $41,035 $34,000 0748.01 Moderate $51,269 $68,300 21.81 54.71 $28,051 $37,367 $32,539 0748.02 Moderate $51,269 $68,300 27.58 50.20 $25,735 $34,287 $25,755 0748.03 Middle $51,269 $68,300 12.16 81.57 $41,820 $55,712 $39,159 0748.05 Low $51,269 $68,300 32.26 47.19 $24,193 $32,231 $30,077 0748.06 Moderate $51,269 $68,300 27.01 61.55 $31,557 $42,039 $35,610 FLow F$51,2690 $68,300 27.52 47.25 $24,225 $32,272 $24,931 0749.02 Low $51,269 $68,30Fo-749.01 26.48 46.54 $23,860 $31,787$ 26,848 0750.01 Low $51,269 $68,300 23.00 43.55 $22,327 $29,745 $25,048 0750.02 Low $51,269 $68,300 33.62 36.50 $18,714 $24,930 $15,508 0751.00 Moderate $51,269 $68,300 21.55 59.14 $30,323 $40,393 $28,518 0752.01 Moderate $51,269 $68,300 16.68 64.97 $33,309 $44,375 $36,987 0752.02 Moderate $51,269 $68,300 19.44 65.22 $33,438 ' $44,545 $35,036 0753.01 Middle $51,269 $68,300 11.30 95.29 $48,854 $65,083 $40,969 0753.02 Middle $5F1,269 $68,300 10.27 84.58 $43,363 $57,768 $41,547 0753.03 Upper $51,269 $68,300 7.69131.33 $67,334 $89,698 $54,364 0754.01 Middle $51,269 $68,300 3.66 97.31 $49,890 $66,463 $46,316 0754.03 Middle $51,269 $68,300 5.83 85.04 $43,597 $58,082 $40,333 0754.04 Middle $51,269 $68,300 7.59 88.44 $45,341 $60,405 $41,435 0754.05 Middle $51,269 $68,300 0.74 90.02 $46,154 $61,484 $40,082 0755.04 Middle $51,269 $68,300 3.26112.73 $57,797 $76,995 $49,310 0755.05 Moderate $51,269 $68,300 4.55 72.07 $36,948 $49,224 $31,535 0755.06 Middle $51,269 $68,300 3.98 105.81 $54,247 $72,268 $51,301 0755.07 Moderate $51,269 $68,300 10.01 76.60 $39,271 $52,318 $35,257 0755.08 Middle $51,269 $68,300 5.58 82.92 $42,514 $56,634 $37,215 0755.09 Moderate $51,269 $68,300 14.52 65.72 $33,694 $44,887 $32,123 0756.02 Upper $51,269 $68,300 2.20 193.24 $99,071 $131,983 $96,047 0756.03 Middle $51,269 $68,300 6.01 109.42 $56,099 $74,734 $51,414 0756.04 Upper $51,269 $68,300 3.14 188.92 $96,857 $129>032 $93,324 0756.05 Upper $51,269 $68,300 1.64 190.19 $97,509 $129,900 $91,460 0757.01 Middle $51,269 $68,300 4.83 108.95 $55,858 $74,413 $49,073 0757.02 Upper $51,269 $68,300 4.95 123.01 $63,067 $84,016 $62,325 0757.03 Upper $51,269 $68,300 2.49 157.92 $80,962 $107,859 $79,125 0758.02 Upper $51,269 $68,300 4.63 156.66 $80,319 $106,999 $73,509 0758.04 Middle $51,269 $68,300 15.08 87.88 $45,057 $60,022 $46,403 hnp:;iw w.tuec.gowcgo-ouvPBISAou.DLL... u5Y---Ui Nuz a:d va,:r-aa.,_�wrwN-.du 10758.05 (Middle 1 $51,2691 $68,3001 11.45 184,41 1 $43,2771 $57,6521 $38,665 0758.06 Middle $51,269 $68,300 8.96 88.44 $45,343 $66,405 $36,224 0758.07 Middle $51,269 $68,300 7.82 105.07 $53,870 $71,763 $50,442 0758.08 jUpper F $51,269 $68,300 2.16122.75 $62,932 $83,838 $56,260 0758.09 jUpper F $51,269 F $68,300 2.10 202.49 $103,817 $138,301 $99,058 0758.10 Upper F $51,2691 $68,30OF 2.91 196.31 $100,645 $134,080 F$97,116 0758.11 Middle $51,269 $68,300 9.78 96.89, $49,674 $66,176 $ 48,721 6758.12 Middle $51,269 $68,300 12.95 93.72 $48,049 $64,011 $45,401 07 5 99.01 Moderate F $51, 669 1 $68,300 F 14.07 70.17 $35,976 $47,926 $33,443 0759.02 Moderate $51,269 $68,300 F -947F76-821 $39,385 $52,468 $35,268 0760.00 Middle $51,269 $68,300 6.40 88.77 $45,511 $60,630 $38,287 0761.01 Moderate $51,269 $68,300 6.36 79.48 $40,750554,285 $40,789 0761.02 Moderate $51,269 $68,300 F 9.04 78.90 Fs40,451 F $53,889 $28,835 6761.63 Moderate $51,269 F $68,300 F 1 -,.88F72-67Fs37,2591 $49,634 $33,627 6762.01 Middle $51,269 $68,300 F 5.34169.08 $55,925 $74,502 $48,153 0762.02 Middle $51,269 $68,300 4.97 91.24 $46,776 $62,317 $45,217 0762.04 Low F $51,269 F -$68,3ooF 19.36 43.54 $22,321 $29,738 F25,313 0762.05 Middle F-$51,2691 $68,300 6.53 99.55 $51,038 $67,993 $46,000 0762.06 Middle F-s5l,2691 $68,300 4.17 96.25 $49,348 F $65,739 $39,300 07 6 22.07 Upper $51,269 $68,300 0.00 134.73 $69,073 $92,021 $66,603 0762.97 Middle $51,269 $68,300 3.46 96.98 $49,719 $66,237 $47,946 0762.98 Middle F $51,269 F $68,300 F 4.95 106.26 $54,480 $72,576 $50,629 0863. 1 FMiddle $51,269 F $68,300 F 10.36 85.06 $43,611 F $58,096 $41,346 0863.03 Middle $51,269 F $68,300 F 7.76 90.11 F$-46,1991 $61,545 $42,419 6863.64 Middle $51,269 F $68,300 F 4.40 Fl02.38 $52,490 569,9261 $46,140 08 6 33.05 Upper F $51,269 F $68,300 F 4.34 128.47 $65,866 $87,745 $63,240 6863.66 Middle $51,269 $68,300 F 4.36 106.69 $54,699 $72,869 $47,217 0864.02 Middle Fs-51,2691 $68,300 F 9.50 94.02 F$48,203 F$64,216 F$43,500 6864.64 Middle $51,269 $68,300 6.11 83.91 $43,021 $57,311 $41,544 0864.05 Moderate F $51,269 1 $68,300 F 1-4.3-7 F66.54 $33,859 $45,105 1 $33,253 0864.06 Middle 7$51,269 F • $68,300 F 6.07 86.96 $44,583 F $59,394 $35,813 0864.07 Middle F$-51,2691 $68,300 1.98 96.43 $49,437 $65,862 $45,191 0865.01 Moderate F -s51-,2691 $68,300 16.71 F-65-83F $33,750 544,962 Fs32,875 6865.62 Low $51,269 $68,300 24.57 47.89 $24,552 $32,709 $29,093 0866.01 Moderate $51,269 F $68,300 14.21 59.15 $30,326 $40,399 $30,096 0 Get Previous 100 Records Get Next 100 Records 3 of 4 5/13/00 11:08 AM http:i/www.Mee.gov/cgi-bin/PBISA60.DLL...059--+ORANGE &as—=r--&az startrow=?00 Maintained by FFIEC Last Updated: 11/O1/1999 • • 4 of 5/13/00 11:08 AM hrrp.tl%+v.dieagoV,cgr-DIMPBl5AoO.DLL... U59,0"NUE se,_crmcr-aab_ziarvow=5uu 1999 FFIEC Census Report - Income Information State: 06 - California (CA) • County: 059 - ORANGE Note: Records 301 through 400 of 484 Get Previous 100 Records Get Next 84 Records IJ Tract/ 1990 MSA/ Statewide 1999 HUD Estimated % below Tract/ BNA 1990 Tract/ 1999 Tract/Tract/ BNA 1990 BNA Tract Code BNA Income non-MSA Median MSA/non-MSA Median Poverty Line Median Family BNA Median Estimated Median Median Level Family Income Family Income Income % Family Income Family Income Household Income 0866.02 Moderate $51,269 $68,300 14.97 70.79F$36,2951 $48,350 $31,154 0867.01 Middle $51,269 $68,300 12.97 84.17 $43,155 $57,488 $41,619 0867.02 Moderate F $51,269 F $68,300 F 14.85 67.93 $34,827 F$46,396535,021 0868.01 Middle $51,269 $68,300 2.69 85.98 $44,079 $58,724 $42,255 6868.62 Middle F $51,269 F $68,300 7.10 83.81 $42,969 $57,242 $39,683 0868.03 Middle F $51,269 F $68,366F 5.96 F86.16 $44,141 F$58,806 F$36,770 0869.01 Moderate F$51,269 F $68,366F 15.01 F57.62 $29,539 F$39,354 F$29,578 0869.02 Middle $51,269 $68,300 3.32 81.88 $41,979 F$55,924F$38,177 0869.03 Moderate F$51,269 F $68,300 F13.76 F76.51 $39,226 $52,256 $37,727 0870.01 Middle F $51,269 F %8,300 F 11.27 82.69 $42,396 $56,477 $40,547 0870.02 Moderate $51,269 $68,300 7.75 77.30 $39,631 $52,796 $36,703 0871.01 Moderate F $51,269 F $68,300 F 4.12 F78.23 $40,109 F$53,431 F$32,580 0871.02 Moderate $51,269 $68,360 17.99 65.73 $33,697 $44,894 $34,817 6871.63 Middle $51,269 $68,300 6.25 91.43 $46,875 $62,447 $42,500 8871.04 Middle F$51,269 r $68,300 F 7.96 F85.80 $43,988 F$58,601 $35,642 0872.00 Moderate $51,269 F $68,366F 8.10 77.51 $39,739 $52,939 $33,413 6873.00 FLo-wF-$51,269,7 $68,300 F 26.70 r 46.18 $23,678 $31,541 F$23,018 0874.01 Moderate F $51,269 F $68,300 F 9.74 F78.92 $40,461 F$53,902 F$35,840 0874.02 Moderate F$51,269 F $68,300 F20.47 r 52.93 $27,135 F$36,151 F$28,097 0874.03 Moderate $51,269 $68,300 F 19.88 F62.78 $32,188 F$42,879 $29,010 0875.01 FModerater $51,269F $68,300 F19.05 r 67.02 $34,362 F$45,775 535,191 6875.63 Moderate $51,269 $68,300 10.25 74.96 $38,431 $51,198 $38,116 0875.04 Moderate $51,269 $68,300 24.55 57.70 $29,583 F$39,459 530,240 0 776.01 Moderate $51,269 $68,300 9.39 F78.32 $40,156 F$53,493 1 $35,687 0876.02 Middle F-$51,2691 $68,300 F 6.15 92.14 $47,238 $62,932 $45,328 0877.01 Middle F $51,269 F $68,300 F 9.53 85.64 $43,906 Fs58,4921 $38,384 0877.03 Middle $51,269 $68,300 7.30 91.33 $46,825 $62,378 $46,361 1 of4 5/13/0011:09AM hap, wwu.diec.goy.cgt-ottnPBISAOU.DLL... U59T--uRA\VE a.as_aacr--Sa,_ taarow=3uU 10877.04 Middle 1 $51,269 1 $68,300 1 6.93 1 92.56I$47,455 1 $63,218 $43,682 0878.01 Middle $51,269 $68,300 10.98 82.27 $42,180 $56,190 $40,791 2 of 4 5/13/00 11:09 AM httpJ/www.fflec.govicgi•bin/PBISA60.DLL...059+•*ORANGE &as_tracr-&as startrow=300 • • Get Previous 100 Records Get Next 84 Records 10891.01 Moderate I $51,269 I $68,300 1 12.53 178.65 $40,323 $53,718 $35,197 $39,967 $53,247 $38,506 0891.02 Moderate $51,269 $68.300 8.67 77.96 0891.04 Moderate $51,269 $68,300 26.59 53.30 $27,328 $36,404 $29,167 0891.05 Moderate $51,269 $68,300 27:46 52.12 $26,719 $35,598 $30,085 0992.01 Moderate $51,269 $68,300 25.19 59.57 $30,540 $40,686 $30,534 0992.02 Middle $51,269 $68,300 10.34 81.17 $41,615 $55,439 $50,139 $66,797 $42,010 $48,125 0992.03 Middle $51,269 $68,300 10.95 97.80 0992.04 Middle $51,269 $68,300 8.14F, 03.54 $53,086 $70,718 $47,117 $41,950 $40,642 0992.12 Middle $51,269 $68,300 8.28 80.91 541,483 $55,262 0992.14 Middle $51,269 $68,300 3.76 90.72 $46,513 $61,962 0992.15 Middle $51,269 $68,300 4.39 95.41 $48,917 $65,165 $47,038 0992.16 Middle $51,269 $68,300 4.17 101.91 $52,248 $69,605 $49,224 0992.17 Upper $51,269 $68,300 1.93 152.54 $78,205 $104,185 $75,890 0992.20 Middle $51,269 $68,300 4.96 105.41 $54,043 $71,995 $43,750 0992.22 Middle $51,269 $68,300 7.02 99.59 $51,057 $68,020 $46,445 0992.23 Middle $51,269 $68,300 7.27 86.55 $44,375 $59,114 $37,213 0992.24 Upper $51,269 $68,300 3.12 13534 $69,389 $92,437 $64,556 $87,882 $64,274 0992.25 Upper $51,269 $68,300 1.02 128.67 $65,968 0992.26 Upper $51,269 $68,300 1.45 145.01 $74,344 $99,042 $72,950 0992.27 Middle $51,269 $68,300 8.28 92.34 $47,344 $63,068 $46,657 0992.28 Middle $51,269 $68,300 4.62 93.53 $47,953 $63,881 $41,065 0992.29 Middle $51,269 $68,300 4.37 110.67 $56,740 $75,588 $52,445 0992.30 Middle $51,269 $68,300 3.63 113.75 $58,316 $77,691 $58,406 0992.31 Upper $51,269 $68,300 3.41 146.39 $75,055 $99,984 $73,264 $59,149 0992.32 Upper $51,269 $68,300 2.37 129.38 $66,333 $88,367 0992.33 Upper $51,269 $68,300 1.35 123.24 $63,183 $84,173 $61,934 0992.34 Middle $51,269 $68,300 2.72 110.32 $56,561 $75,349 $55,218 0992.35 Middle $51,269 $68,300 3.30 84.28 $43,210 $57,563 $56,484 $75,246 $42,670 $57,677 0992.37 Middle $51,269 $68,300 . 3.72 110.17 0992.38 Upper $51,269 $68,300 2.00 148.19 $75,975 $101,214 $74,204 0992.39 Upper $51,269 $68,300 3.97 125.31 $64,245 $85,587 $62,029 0992.40 Upper $51,269 $68,300 1.69F1 23.49 $63,310 $84,344 $53,824 $44,391 0992.41 Middle $51,269 $68,300 4.24 101.56 $52,068 $69,365 0992.42 Middle $51,269 $68,300. 5.29 112.31 $57,579 $76,708 $55,543 0992.43 Upper $51,269 $68,300 3.25 126.41 $64,809 $86,338 $59,666 3 of4 5/13100 11:09 AM httpJ/www.B;ec.gowcgi-bin/PBISA60.DLL...059r-+ORANGE &as_tncr—&as_stamow=300 Maintained by FF/EC Last Updated: 11/O1/1999 0 • • 4of4 5/13/00 11:09 AM http://www.Mcc.gov/cgi-bin/PBISA60.DLL...059+.+ORANGE &as_tract &as_startrow=100 1999 FFIEC Census Report - Income Information • State: 06 - California (CA) County: 059 - ORANGE u Note: Records 401 through 484 of 484 Get Previous 100 Records Tract/ 1990 MSA/ Statewide 1999 HUD Estimated % below Tract/ BNA 1990 Tract/ 1999 Tract/Tract/ BNA 1990 BNA BNA Tract Code Income non-MSA Median MSA/non-MSA Median Poverty Line Median Family BNA Median Estimated Median Median Household Level Family Income Family Income Income % Family Income Family Income Income 0992.44 Middle $51,269 $68,300 1.14109.59 $56,184 $74,850 $42,360 0992.45 Upper F$51,269 F $68,300 F 1.51136.45 $69,955 r$93,195 F$66,837 0992.46 Upper $51,269 $68,300 2.41 130.84 $67,080 $89,364 $66,201 0993.02 Middle $51,269 $68,300 6.37104.56 $53,606 $71,414 F$45,492 0993.05 Moderate F$-51,2691 $68,300 7.74 r 77.86 $39,917 $53,178 $39,361 0993.06 Middle $51,269 $68,300 -4.99F-92.33F-$47,3391 $63,0611 $41,040 0993.07 Middle $51,269 $68,300 5.53 84.61 $43,380 $57,789 $40,242 0993.08 Upper $51,269 $68,300 2.64 195.05 $100,000 $133,219 $101,154 0993.09 Upper F $51,269 $68,300 2.79128.49 $65,877 $87,759 $58,223 0994.02 Moderate 7$51,269 $68,300 26.10 60.56 $31,048 $41,362 $30,821 0994.04 Upper $51,269 $68,300 2.18123.12 $63,123 $84,091 $58,812 0994.55 Middle -s5l,2691 $68,300 F 8-56 F, -o797F-$55,3571 $73,744 $44,453 0994.06 Upper $51,269 F $68,300 F 3.46 F12-1.291 $62,185 F $82,841 F$56,769 0994.07 Middle F$51,269F $68,366F 3.95105.21 F$53,942 $71,858 $51,630 0994.08 IMddie $51,269 $68,300 F 6.02 F -94-741 $48,571 F$a,707 F$46,j49 0994.10 Middle $51,269 $68,300 6.47 84.74 $43,447 $57,877 $38,836 0994.11 Moderate $51,269 $68,300 -5.41F-72581 $37,2091 $49,572 $37,386 0994.12 Upper $51,269 $68,300 2.71 120.12 $61,582 $82,042 $52,653 6994.13 Middle $51,269 $68,300 F 12.76104.64 $53,648 $71,469 $32,800 0994.15 Upper Fs51,269 F $68,300 F 1.37 152.62 $78,245 $104,239 $75,981 0994.16 Middle $51,269 $68,300 6.10 91.15 $46,732 $62,255 $45,336 0994.17 Upper $51,269 $68,300 4.36[135-981 $69,718 $92,874 $59,239 0995.02 Moderate $51,269 $68,300 5.49 61-3 $31,429 $41,868 $33,362 0995.04 Upper $51,269 F $68,300 3.33139.22 $71,377 $95,087 $66,188 0995.05 Middle F -$51,2691 $68,300 F 6.49113.23 558,65, 577,336 Fsooio 0995.06 Upper F $51,269 F $68,300 F 6-55 F1-45.221 $74,452 F $99,185 F$57,963 6995.07 Upper $51,269 $68,300 2.58 208.20 $106,740 $142,201 $91,442 i or3 5113100 11:12 AM http://w.ffiec.govicgi-biti/PBISA60.DLL... 059,--ORANGE &as_tracr-&as_startrow=400 C� 0 E 10995.08 (Middle I $51.2691 $68,3001 3.421 96.00I $49,2191 $65,5681 $44,198 0995.09 Moderate $51,269 $68,300 4.93 57.33 $29,393 $39,156 F$19,992 0995.10 FModerateF $51,269 F $68,3ooF 5.92 F61.76 F$31,662F$42,182F $17,095 0996.01 Moderate F $51,269 r $68,300 17.42 73.79 F $37,830 I $50,399 Fs37,301 0996.02 Middle I $51,269 $68,30C F 6.20102.14 $52,367 $69,762 $49,803 0996.03 Middle F $51,269 F $68,300 3.92118.51 F $60,757 $80,942 $55,524 0996.04 Middle Fs5l,269 F s68,3ooF 4.23112.29 $57,572 $76,694 $58,256 6996.05 Upper F$51,269 F $68,3ooF 2.36127.11 $65,168 $86,816 $60,609 0997.01 FmoderateF $51,269 F S68,365F 12.09 72.92 f $37,386 F$49,804 F$35,015 0997.02 Middle F$51,269 F $68,300 F 7.21 F98.71 F$50,609 F$67,419 F$46,019 0997.03 Middle $51,269 F $68,3ooF 5.92119.62 $61,326 $81,700 F$50,821 6998.01 Moderate $51,269 F $68,300 F17.16 F72.74F$37,292 F$49,681 F$34,390 6998.02 Moderate F$51,269 r $68,300 f 18.75 F59.58 $30,547 $40,693 $25,227 6998.03 Moderate F$51,269 F $68,300 F 18.76 69.26 $35,507 $47,305 $34,219 0999.02 Middle F$51-,269F $68,3ooF 8.95 88.65 F$45,45o F$60,548 F$45,850 0999.03 Moderate F$51,269 F $68,300 F 16.30 F76.47F$39,206 F$52,229 F$38,933 6999.04 Moderate $51,269 F $68,300 F 14.95 63.26 $32,432 $43,207 $31,326 0999.05 Middle $51,269 $68,300 3.37 86.10 $44,144 $58,806 $35,550 0999.06 Upper F$51,269 F $68,3ooF 2.17123.13 $63,129 F$84,098F$62,137 I100.01 Middle $51,269 F $68,300 116F, _o2-491 $52,547 F$70,001 F$52,605 1100.03 Middle F$51,269F $68,300 F 2.94108.97 $55,867 $74,427 F$55,056 1100.04 Upper $51,269 F $68,300 F 1.4o F121.741 $62,416 $83,148 $60,410 1100.05 Middle F$51,269 F $68,30OF 3.11119.17 $61,096 f $81,393 F$57,922. 1100.06 Upper F$51,269 F $68,300 F 2.89 149.92 F$76,864 $102,395 F$65,395 11 00.07 Upper F$51,269F $68,300 F 2.03140.74 $72,158 $96,125 F$66,411 1100.08 Upper $51,269 $68,300 F 1.99121.32 F$62,2oo F $82,862 F$54,627 1100.10 Middle F $51,269 $68,300 2.56 118.44 $60,725 $80,8 55 $60,627 1100.11 Upper F$51,269 $68,300 F 1.87140.69 Fs-72,1281 $96,0911 $65,869 1100.12 Upper F $51,269 F $68,300 F 2.53146.13 F$74,919 F$99,807F$73,355 1100.13 Middle $51,269 F $68,300 F 4.22 Fgo.59 F$46,444 F$61,873 F$44,473 1101.02 Middle F$51,269F $68,3ooF 7.22110.58 $56,691 $75,526 $53,890 1101.04 1101.06 Middle Middle F$51,269F F $51,269 $68,3ooF F $68,300 3.38108.44 1.63101.13 $55,596 $51,850 $74,065 $69,072 $51,683 $50,892 1101.08 1101.09 1101.10 1161.11 1101.12 Middle F$51,269 Middle $51,269 Middle F$51,269F Middle $51,269 Middle F$51,269 F $68,300 F $68,300 $68,300 $68,300 F $68,30OF F 5.05 1.85106.93 F 10.33 -7.52Fl-o4361 3.02105.01 F99.70 1 F82.07 F$51,114 $54,823 F$42,074 $53,503 $53,839 F$68,095 $73,033 F$56,054 $71,278 $71,722 F$46,395 $47,002 F$40,070 $51,031 $47,329 2 of 3 5/13/00 11:12 AM http://w.Mcc.gov/cgi•bin/PBISA60.DLL...059+.+ORANGE &as_tracr—&as_stamow=400 • • Get Previous 100 Records Maintained by FREC Last Updated: 11/01/1999 0 3 of 3 5113/00 11:12 AM TECHNICAL APPENDIX L 1999 FFiEC (Federal Financial Institutions Examination Council) Census Report Summary Census Demographic Information by Census Tract for Orange County, CA L 0 hnpl/w ogoy/cgi-binIPBISA60.Dl,l./WcbCcnsa4m... &as_Slate=06+-+Califomia+(CA)ownly=&as Iraq= 19" FFIEC Census Report - Summary Census Demographic Information MSA: 5945 - ORANGE COUNTY, CA State: 06 - California (CA) Note: Records 1 through 100 of 484 State Code County Code Tract Code Tract/ BNA Income Level Tracy BNA Median Family Income �/� 1999 HUD MSA Median Family Income 1999 Est Tract/ BNA Median Family Income 1990 Tracy BNA Median Family Income Tract/ BNA Population Tract/ BNA Minority ��� Minority Population Owner Occupied Units 1- to 4- Family Units 06 059 0011.01 Middle 105.23 $68,300 $71,872 $53,948 4083 21.14 863 1124 1242 06 059 0011.02 Middle 95.56 $68,300 $65,267 $48,99, 2955 30.83 911 651 748 06 059 0011.03 Moderate 78.58 $68,300 $53,670 $40,286 3523 37.89 1335 553 796 06 059 0012.00 Moderate 68.9! $68,300 $47,066 $35,330 7385 59.86 4421 931 1664 06 059 0013.01 Middle 91.34 $68,300 $62,385 $46,831 5678F 2272F 129OF 1521 1623 06 059 0013.03 Moderate 75.88 $68,300 $51,826 $38,902 5447 50.63 2758F 988 F1252 06 059 0013.04 Moderate F61.28 $68,300 1 $41,854 Fs3l,419 F 3561 F 64.81 F 2308 548 904 06 059 0014.01 Middle 92.09 $68,300 $62,897 $47,212 4668 30.36 1417 876 1287 06 059 0014.02 Middle 95.20 $ 88,300 $65,022 $48,806 4657 28.58 1331 883 1208 06 059 0014. 3 [Middle 103.84 $68,300 $70,923 $53,238 3300 17.42 575 F 911 F1014 06 059 0014.04 Moderate 77.53 $68,300 $52,953 $39,750 F 3386 F 4-7 521 1609 592 F 958 06 059 0015.01 Middle 113.09 $68,300 $77,240 $57,981 5053 16.27 822 1884 2 778 06 059 0015.02 Middle 119.85 $68,300 $81,858 $61,444 7871 F 19 79F 1558 1673 1973 06 059 0015.03 Middle 99.94 $68,300 $68,259 $51,238 4919 29.82 1467 985 1312 06 059 0015.04 Moderate 67.14 $68,300 $45,857 $34,422 4129 34.97 1444 633 1059 06 059 0015.05 Middle 105.08 $68,300 $71,770 $53,876 5623 17.91 1007 1537 1955 06 059 0016.01 Upper 130.72 F $68,300 F $89,282 $67,017 6552 F 18.41 1206F 1760 F,785 06 059 0016.02 Upper 160.81 $68,300 $109,833 $82,445 3677 15.12 556 1244 1316 Get Next 100 Records l ors 5/13/00 10:30 AM 0 blipJ/ww*gov/cgi-bin/PBISA60.1)].IJWLCA stis/m).. &as_StalclMr-+Calirc ia'(CA)*)unty=&as tr;r:t- 06 059 0017.03 Upper 128.56 $68,300 587,806 $65,913 8321 43.46 3616 2453 2737 06 059 0017.04 Upper 123.79 $68,300 584,549 $63,464 2968 30.15 895 760 956 06 059 0017.05 Upper 121.80 $68,300 $83,189 $62,446 3946 28.18 1112 939 1124 06 059 0017.06 Upper 170.20 $68,300 $116,247 $87 2611 3576 F 1331 476 1114 1187 06 059 0018.01 Moderate 75.16 $68,300 Fs5l,334 $38,533 3879 F47.20 1831 F 397 F902 06 059 0018.02 Moderate 61.92 $68,300 $42,291 $31,745 6204 46.92 2911 706 1337 06 059 0019.01 Middle 80.96 $68,300 $55,296 $41,506 2479 34.89 865 580 768 06 059 0019.02 Middle 92.27 $68,300 $63,020 $47,305 2495 32.79 818 542 713 06 059 0019.03 Middle 92.92 $68,300 F$63464F$47639F 2616 30.16 789 638 834 06 059 0110.00 Middle 87.27 $68,300 $59,605 $44,742 5957 27.61 1645 1444 2022 06 059 0111.01 Middle 87.13 $68,300 $59,510 $44,669 3578 34.60 1238F 674 840 06 059 0111.02 Middle 88.54 $68,300 $60,473 $45,392 4188 46.42 1944 848 1083 06 059 0112.00 Middle 96.83 $68,300 $66,135 $49,643 3685 23.55 868 889 F1241 06 059 0113.00 Middle 89.16 $68,300 $60,896 $45,714 3248 28.14 914 558 1022 06 059 0114.95 Moderate 69.12 $68,300 $47,209 $35,437 609 38.26 233 44 181 06 059 0114.96 Upper 123.39 $68,300 $84,275 $63,262 2601 10.77 280 891 992 06 059 0114.97 Middle 107.64 $68,300 $73,518 $55,184 991 16.55 164 318 353 06 059 0114.98 Moderate 72.16 $68,300 $49,285 $36,994 5014 35.22 1766 718F,402 06 059 0115.01 Moderate 79.48 $68,300 $54,285 $40,750 6808 28.88 1966 749 993 06 059 0115.02 Middle 82.71 $68,300 $56,491 $42,407 3585 40.17 1440 569 809 06 059 0116.01 Moderate 58.27 $68,300 $39,798 $29,872 7135 64.57 4607F 330 F904 06 059 0116.02 Moderate 62.56 $68,300 $42,728 $32,072 4770 72.16 3442 830 1212 66 059 0117.07 Middle 101.72 $68,300 $69,475 $52,152 3627 17.04 618 941 1021 06 059 0117.08 Middle 91.45 $68,300 $62,460 $46,886 4487 26.92 1208 516 F 827 06 059 0117.09 Upper 141.68 $68,300 $96,767 $72,638 4564 15.53 709 1345 1467 06 059 0117.10 Upper 139.12 $68,300 $95,019 $71,323 3521 14.31 504 983 1075 06 059 0117.11 Moderate 64.14 $68,300 $43,808 $32,885 5886 35.76 2105 416 1163 06 059 0117.12 Middle 82.90 $68,300 $56,621 $42,500 4393 F40.72 1789 F 756 1073 2 or5 5/13100 10:30 AM 0 hlipJ/wwwogov/cgi-binA'DISA60.ULUW�qit'enwJtrt.. &as_Stag--M+-4Calikxnia4(CAWOw11ty=liar In t, 16 1059 10117.14 (Middle 198.481 $68,3001 $67,2621$50,4891 2431 49.381 1201 4 83 Imo' 059 0117.15 Upper 134.02 $68,300 $91,536 $68,709 5510 19.15 1055 1630 1784 06 059 0117.16 Upper 124.64 $68,300 $85,129 $63,902 2569 42.20 1084 481 569 FO 059 0117.17 Middle 108.58 N8,300 rS74,160 F$55668F 2808 14.21 F 399 F 692 828 O6 059 Ol 17.18 Middle 112.67 $68,300 $76,954 $57,763 3528 22.62 798 981 1121 06 059 0117.19 Moderate 75.62 $68,300 $51,648 $38,770 7910 60.32 4771 1013 1622 06 059 0117.20 Moderate 52.68 $68,300 $35,980 $27,007 5894 79.66 4695 310 998 06 059 0218.02 Middle 118.80 $68,300 $81,140 $60,910 6484 19.36 1255 1501 1943 06 059 0218.07 Middle 107.94 $68,300 $73,723 $55,342 F 3740. 20 56F 769 558 P104 06 059 0218.09 Upper 125.95 $68,300 $86,024 $64,573 2743 16.92 464 725 850 06 059 0218.10 Upper 129.12 $68,300 $88,189 $66,197 4644 17.98 727 1092 1225 06 059 0218.11 Middle l l8.05 $68,300 $80,628 $60,521 F 6 552 F29.02 F 1756 1266 1583 06 059 2218.12 Middle 110.91 $68,300 $75,752 $56,864 6468 22.05 1426 1436 1885 06 059 0218.13 Moderate 69.49 $68,300 $47,462 $35,625 95 60.00 57 15 29 06 059 0218.14 Upper 137.01 $68,300 $93,578 $70,246 6984 20.43 1427 1518 1704 06 059 0218.15 Middle 115.56 $68,300 $78,927 $59,249 2977 13.30 396 1126 1261 06 059 0218.16 Upper 129.28 $68,300 $88, 998 $66,279 5100 10.55 538 1473 1682 06 059 0218.17 Middle 113.78 $68,300 $77,712 $58,335 3495 20.20 706 848 1190 06 059 0218.18 Upper 149.99 $68,300 $102,443 $76,900 21054 24.26 5108 5631 6352 06 559 0218.19 Upper 160.12 $68,300 $109,362 $82,093 8320 20.83 1733 2400 2587 06 059 0219.03 Middle 115.67 $68,300 $79,003 $59,305 F 4107 31.78 F 1365 972 1169 06 059 0219.04 Upper 177.50 $68,300 $121,233 $91,002 7844 22.08 1732 2420 2742 06 059 0219.05 Upper 131.44 $68,300 $89,774 $67,387 5474 25.41 1391 1400 1593 06 059 2219.09 Upper 151.34 $68,300 $103,365 $77,589 7689 F 17.27 F 1328 F 2484 F2596 06 059 2219.10 Upper 148.03 $68,300 $101,104 $75,892 8180 22.46 1837 2431 2808 06 059 0219.11 Upper 160.09 $68,3b0 $109,34t $82,078 4107 25.49 1047 1193 1449 06 059 0219.12 Upper 177.04 $68,300 $120,918 $90,768 2642 14.00 370 786 820 06 059 0219.13 Middle 97.25 $68,300 $66,422 $49,861 F 6 666 F 60.43 4089F 1216 1719 3 of 5 5/I3/00 10:30 AM hlipl/wlb gov/cgi-bin/PRISA60.1)1.tlWeb('ensus/uo... Ras_SIat�IM+-+C.lifi"i.4fCA)&Oonly=&ai_trj- 106 1059 10219.14 I1/O 059 0219.98 06 059 0320.02 06 059 0320.03 06 059 0320.06 06 059 0320.11 06 OF59 0320.12 06 059 0320.13 06 059 03r 20.14 06 059 06 059 06 17 18 19 1.03 1.05 1.06 1.07 1113.361 $68,3001 $77,4251$58,116 105.76 F$68,300 F$72,234 $54,222 126.44 F$68,300 F$86,359 $64,823 132.45 $68,300 F$90,463Fs67,907 111.38 $68,300 F$76,073 $57,102 97.39 F$68,300 F$66,517F$49,931 145.59 Fs68,300 Fsq9,438F74,640 155.67 F$68,3oo $106,323 $79,810 79.53 $68,300 $54,319 $40,776 124.99 $68,300 $85,368 $64,081 119.28 $68,300 $81,468 $61,154 133.80 $68,300 $91,385 $68,597 148.17 $68,300 $101,200 $75,966 101.30 $68,300 $69,188 $51,938 116.21 F$68,3oo F$79,371 $59,582 147.95 $68,300 $101,050 $75,850 92.49 $68,300 $63,171 $47,417 120.02 $68,300 $81,974 $61,532 161.90 F$68,300 $110,578 $83,003 113.57 $68,300 $77,568 $58,227 126.44 $68,300 $86,359 $64,826 F 0 $68,300 $0 $0 104.60 F$68,3oo $71,442 $53,629 128.42 $68,300 F$87,711 $65,839 116.56 $68,300 $79,610 $59,761 61.80 $68,300 $42,209 $31,685 39481 34.651 13681 91811209 -i467F 1684F 247f 303 334 6436F 1-195F 769 F 1693 F2040 4984 11.50 F 573 f 1451 F1597 8684 21.34 1853 2105 2818 1461 0.82 12 382 667 4000 11.08 443 1 552 Fl172 3506 9.07 318 F 1006 1169 4 332 26.48 F 1253 1498 1570 6615 20.57 1361 1603 1831 8552 18-25F 1561 2172 2502 7299 F16.91 1234F 1824 2225 10547 F 17.00 1793F 2825 3211 7337 9.36 687 2927 3212 -65-74F 14.71 F 967 1589 F1867 7589 19.62 1489 F 1851 2406 5409 F 19.21 1039 1411 1576 1726 14.54 251 F 399 491 6890 16.24 1119 1907 2514 11890 20.41 2427 3803 4030 -5897FI487F 877877 1733 2010 01 "I VI--VI-V 6889 F1208F 832 F 1576 2834 6275 11.43 117 1949 2191 1340 6.34 85 511 F718 3542 42.77 1515 326 1219 4 ofs 5/13/00 10:311 AM 0 61tpl/wwwogov/eg7i-bin/pl)ISA60.1)I.IJWL4Ccrsus/uD.. &as_State=06+-tcalifiwniat(CAA*%mty=&as mth Get Next 100 Records Maintained by FFIEC Las/ Updated: 11/01/1999 5 of 5 5/13/00 10:30 AM 0 hltpJ/ww*_gov/cgi-bin/PBISA60JN.IJWcWmsus/uu...+Califomia+((.A)&a c t=&as.,&as_Slanmw=11N1 1999 FFIEC Census Report - Summary Census Demographic Information MSA: 5945 - ORANGE COUNTY, CA State: 06 - California (CA) Note: Records 101 through 200 of 484 Get Previous 100 Records Get Next 100 Records State Cade County Code Tract Code Tract/ BNA Income Level Tract/ BNA Median Family Income 1999 HUD MSA Median Family Income 19" Est. Tract/ BNA Median Family Income 1990 Tract/ BNA Median Family Income Tract/ BNA Population Tract/ BNA Minority ��� Minority Population Owner Occupied Units 1- to 4- Family Units 06 059 0421.08 Moderate 67.20 $68,300 $45,898 $34,453 5371 22.94 1232 404 2072 06 059 0421.09 Middle 103.55 $68,300 $70,725 $53,090 F 3359F 139oF 467F 772 912 06 OF59 0421.10 Middle 109.35 $68,300 $74,686 $56,063 F 79oqF 13. 11 1045F 2314 F2958 06 059 0422.01 Middle 102.53 $68,300 $70,028 $52,564 5737 14.85 852 1661 2683 06 059 0422.03 Upper 128.99 $68,300 $88,100 $66,134 5290 10.57 559 1654 2056 06 059 0422.04 Middle 119.48 $68,300 $81,605 $61, 555 8298 13.22 1097 2305 3167 06 059 0423.05 Upper 178.13 $68,300 $121,663 $91,326 3474 6.33 220 1162 1705 06 059 0423.06 Upper 135.58 $68,300 $92,601 $69,510 8939 11.04 987 3022 F3772 06 059 0423.07 Upper 120.27 $68,300 $82,144 $61,659 7421 22.92 1701 1 442 1974 06 059 0423.08 Upper 177.02 $68,300 $120,905 $90,757 7953 18.02 1433 2304 2455 06 059 0423.Io Middle 87.42 $68,300 $59,708 $44,817 7198 24.65 1774 F 1968 F2611 06 059 0423.11 Upper 130.83 $68,300 $89,357 $67,074 5271 11.57 610 1414 1737 06 059 0423.12 Moderate 77.18 $68,300 $52,714 $39,569 6092 51.66 3147 1299 F1969 06 059 0423.13 Moderate 73.23 $68,300 $50,016 $37,542 6892 35.77 2465 838 2585 06 059 0423.15 Upper 136.97 $68,300 $93, 551 $70,223 5571 17.91 998 1751 1729 06 059 4423.16 Middle 112.38 $68,300 $76,756 $57,616 11881 17.67 2099 F 2547 3289 06 059 0423.17 Upper 198.21 $68,300 $135,377 $101,620 F 3302F 13.29 439F 1028 Fl120 06 059 0423.18 Upper 147.52 $68,300 $100,756 $75,632 11069 20.67 2288 3055 3649 1 of5 5/13/00 10:34 AM 0 hltpJ/ww*.gov/cgi-hinIPRISA60.nLIJWehC'arsuJa)...+Califomia+(CA)&as_minty=&ac Was_sl:utrow-IIN) F�o�b 059 0423.19 Upper 179.12 $68,300 $122,339 $91,834 2845 22.92 652 819 945 N° 659 0423.20 Piddle 102.25 $68,300 Fs69837F$52424F 4666F 1535F 716F 1300 F1390 06 059 0423.21 Upper 152.04 $68,300 $103,843 $77,949 5884 15.79 929 2032 2302 06 059 0423.22 Upper 134.61 $68,300 $91,939 $69,015 7379I 10.81 798 1789 2813 06 059 0423.23 Upper 124.63 $68,300 $85,122 $63,895 4040 9.88 399 1144 1641 06 059 0524.04 Moderate 55.96 $68,300 $38,221 $28,692 8120 37.54 3048 1070 06 059 0524.05 Upper 123.67 $68,300 $84,467 $63,402 8806 26.21 2308 2323 2794 06 059 0524.08 Upper 145.72 $68,300 $99,527 $74,709 6485 16.95 1099 1750 2146 06 059 0524.10 Middle 101.04 $68,300 $69,010 $51,802 5157 23.56 1215 1400 1636 06 059 0524.11 Middle 109.09 $68,300 $74,508 $55,927 4478 28.07 1257 1009 1288 06 059 0524.12 Upper 160.04 $68,300 $109,307 $82,052 5820 F26.24 F 1527 1538 1792 06 559 0524.13 Upper 123.59 $68,300 $84,412 $63,363 17390 2138F 3718F 4262 4726 06 059 0524.14 Upper 133.32 $68,300 F$91 058F$6835oF 2802F 15 IOF 423F 917 920 06 659 0524.15 Upper I55.55 $68,300 $106,241 $79,748 4763 14.09 671 F 1221 r 1328 06 059 0524.16 Upper 122.11 $68,300 $83,401 F $62,605 F 3914FI832F 717 F 986 I165 06 059 0525.01 Moderate 55.74 $68,300 $38,070 F$28576F 5277 39.15 2066 r 9 734 06 059 0525.02 Upper 122.09 $68,300 $83,387 $62,594 5883 19.94 1173 1667 1993 06 059 0525.05 Middle 95.34 $68,300 $65,117 $48,880 4694 26.50 1244F 1204 1629 06 059 0525.06 Upper 121.86 $68,300 $83,230 F$62 475F 2602F 1553F 404 F 744 832 06 059 0525.11 Upper 126.84 $68,300 $86,632 $65,029 5823 19.54 1138 1336 1854 06 059 0525.12 Upper 13015 $68,300 $88,892 s66 729F 7508F2268F 1703F 1930 2474 66 059 6525.13 Upper 123.29 $68,300 $84,207 $63,211 5609 21.98 1233 1310 1747 06 659 0525.14 Upper 127.89 $68,300 $87,349 $65,567 4927 25.53 1258 1202 1522 06 059 0525.15 Low 47.21 $68,300 $32,244 $24,205 880 38.64 340 0 106 06 059 0525.16 Upper 130.29 $68,300 $88,988 $66798F 9073 F329oF 2985 F 1817 F2447 06 059 0525.17 Middle 94.14 $68,300 $64,298 Fs48,264 2102 16.18 F 340 F 593 F717 06 059 0525.18 Unknown F oF$683001 soF $0 FoF 0 FoF 0 F 0 06 059 0525.95 Upper 136.79 $68,300 $93,428 $70,131 11879 29.55 3510 2811 3460 2 of 5 5/13/00 10:34 AM hnp:/lgov/cgi-bin/1'nISA(A1.DLt/WeM'�Tsus/un..+Califi�mia+tCAMcas_countr&as_I�_staztmw=ln0 106 1059 10525.96 jUpper 1122.661 $68,3001 $83,7771 $62,8841 43821 32.311 14161 10821 1348 06 059 0525.97 Upper 123.99 $68,300 $84,685 $63,568 6340 33.97 2154 1401 1711 06 059 0525.98 Upper 129.50 $68,300 $88,449 $66,394 3431 22.33 766 772 1042 06 059 0626.04 Upper 168.93 $68,300 $115,379 $86,610 4100r 10.05 412 1216 2084 06 059 0626.05 Middle 102.98 $68,300 $70,335 $52,798 3218 12.96 417 551 1389 06 059 0626.07 Middle 113.31 $68,300 $77,391 $58,091 9187 15.64 4437 3164 3938 06 059 0626.10 Unknown r 0 $68,300 $0 $0 15 r 0 I O F 0 F 5 06 059 0626.11 Middle 92.82 $68,300 $63,396 $47,589 3365 22.05 742F 382 F926 06 059 06 059 0626.12 Upper 124.73 $68,300 $85, 991 $63,947 6940 17.36 0626.13 Unknown 0 $68,300 $0 $0 r 0 r 0 1205 1899 2508 0 0 0 06 059 0626.14 Moderate 66.47 $68,300 $45,399 $34,076 6083 43.83 2666 403 F591 06 059 0626.17 Upper 202.06 $68,300 $138,007 $103,594 4011 6.28 252 1490 1672 06 059 0626.18 Upper 202.66 $68,300 $138,417 $103,900 F 7200 F 9.90 F 713 F 1926 2320 06 059 0626.19 Middle 118.73 $68,300 $81,093 $60,874 4046 8.35 338 1192F,971 06 059 6626.20 Upper 162.60 $68,300 $111,056 $83,362 4818 F 946F 456 F 1591 F2236 06 059 0626.21 Middle 112.49 $68,300 Fs76,831 $57,672 4596 19 47F 895 F 1438 1804 06 059 0626.22 Moderate F79.24 $68,300 $54,121 $40,625 F 4007 F 2.07 F 83 2409 1412 06 059 0626.23 Middle 97.47 $68,No $66,572 $49,970 6432 F 3.62 F 233 3413 2215 06 059 0626.24 Moderate 70.08 $68,300 $47,865 $35,928 8128F 8.08 F-657F 4127 2849 06 059 0626.25 Middle 94.97 $68,300 $64,865 $48,690 4 442 15.35 636 1709 1209 06 659 0626.2 Moderate F78.83 $68,300 $53,841 $40,417 F 2271 F33.95 771 F 185 F345 06 059 0626.27 Middle 94.68 $68,300 $64,666 $48,542 2857 30.07 859 412 703 06 059 6626.28 Upper 141.03 $68,300 $ 66,323 $72,303 1049 11.73 123 134 F375 06 059 0626.29 Upper 156.93 $68,300 $107,183 $80,454 2628 20.43 537 804 912 06 059 0626.30 Upper 179.83 $68,No $122,824 $92,195 1706 17.64 30,F596 F689 06 059 0626.31 Upper 238.71 $68,300 $163,039 $122,383 3776 15.92 601 F 1183 F1285 06 059 6627.01 Upper 223.14 $68,300 $152,405 $114,403 3002 4.26 128 843 1499 06 059 0627.02 Upper 151.56 $68,No $103,515 $77,704 4757 5.38 256 1136 2502 3 of 5 5/13/00 10:34 AM 0 hup7/www•gov/cgi-bin/PI11SA60.1)LIJWIbWentus/uo...+Calirumia+(CA)&ac cnunly=&as_Iwac sladrow=11N1 106 1059 10627.99 jUnknown 1 01 $68,300 I $01 $01 - 0I 0 l 0l O I 0 06 059 6628.00 Fmddle 119.04 $68,300 $81,304 $61,030 F 4959 F 657F 326 1030 2702 06 059 0629.00 Upper 223.36 $68,300 $152,555 $114,516 1891 5.24 99 698 933 06 059 0630.04 Middle 118.71 I $68,300 $81,079 $60,861 4836 6.10 295 1261 1772 06 059 0630.05 Upper 238.71 $68,300 $163,039 $122,384 1516 8.38 127 287 418 06 059 0630.06 Upper 141.25 $68,300 Fs96,474 $72,416 3482 4.94 F 172F 708 2147 06 059 0630.07 Upper 224.31 $68,300 $153,204 $115,002 5309 8.48 450 1552 1787 06 059 0630.08 Upper 198.79 $68,300 $135,774 $101,916 375 10.67 40 101 181 06 059 0630.09 Upper 132.12 $68,300 $90,238 $67, 338 1777 10.35 184 633 712 06 059 0630.10 Upper F143.16 $68,300 Fs-977781 $73,398 5836 8.19 478 1433 1558 06 059 0631.01 Moderate 78.15 F$68,3oo $53,376 $40,069 F 2673 F 16.39 F 438F 378 7 66 06 059 0631.02 Middle 102.00 $68,300 $69,666 $52,293 5669 13.48 764 1035 2232 06 059 0631.03 Upper 151.21 $68,300 $103,276 $77,526 2483 11.04 274 623 949 06 059 0632.01 Middle 81.46 f $68,300 F$55637F$41765F 3600 F15.11 F 544F 559 1210 06 059 0632.02 Middle 97.97 $68,300 $66,914 $50,229 3474 19.20 667 656 12 77 06 059 0633.00 Middle 86.05 $68,300 $58, 772 $44,115 6782 10.14 688 1192 2628 06 059 0634.00 Upper 134.77 $68,300 $92,04 $69,096 4990 8.30 414 1387 1824 06 059 0635.00 Upper 125.12 $68,300 $85,457 $64,148 6182 7.97 493 955 3187 06 059 0636.01 Middle 94.05 $68,300 $64,236 $48,221 3800 26.95 1024 884 1269 06 059 0636.02 Moderate 51.86 $68,300 $35,420 $26,589 7029 50.56 3554 734 1611 06 OF59 0636.03 Middle 94.94 F $68,300 $64,844 $48,6-76F 5615F 737F 414F 1552 f18 77 06 059 0637.00 Moderate 61.96 $68,300 $42,319 $31,767 8997 45.06 4054 541 1841 06 059 6638.02 Upper 135.85 $68,300 $92,786 Fi69,650 F 2788 11.73 F 327 768 1061 06 059 0638.03 Middle 94.94 $68,300 $64,844 $48,676 4462 23.87 1065 980 1458 06 059 0 338.05 Middle 118.50 $68,300 $80,936 s-66 7-521 2414 11.31 F 273 F 781 F 906 06 059 0638.06 Middle 117.10 $68,300 $79,979 $60,034 3725 11.52 429 F 903 P417 4 ors 5/13/00 I0:34 AM • bnpJ/ww%&.gov/cgi•bim/PBISA60.DLL/WebCenws/w...+Califomia+(CA)&at ca trdcas.*Aas_stutmw=11111 Get Previous 100 Records Get Next 100 Records Maintained by FFIEC Last Updated: 11/01/1999 5of5 5/13/00 10:34 AM hnp!/wwv*gov/cgi-MmIPl11SA(A.DI.VWCWMSUS/uo...+Califi"ia+(CA)as_rn ntr&as J*&ac Manmw=?(II) 19" FFIEC Census Report - Summary Census Demographic MSA: 5945 - ORANGE COUNTY, CA State: 06 - California (CA) Note: Records 201 through 300 of 484 Get Previous 100 Records Get Next 100 Records State Code County Code Tract Code Tract/ BNA Income Level Tract/ BNA Median Family Income 19" HUD Median Family Income 19" Est Tract/ BNA Median Family Income 1990 Tract/ BNA Median Family Income Tract/ BNA Population Tract/MSA BNA Minority ��� Minority Population Owner Occupied Units 1- to 4 Family Units O6 059 0638.07 Middle 104.19 $68,300 $71,162 $53,417 4974 21.79 1084 313 449 06 059 0638.08 Moderate F6o3o $68,300 $41,185 $30,917 4738 53.88 F 2553 F 433 1122 06 059 0639.02 Middle 81.52 $68,300 $55,678 $41,793 6303 30.18 1902 589 1054 06 059 0639.03 Middle 91.15 $68,306 $62,255 $46,73, 3903 33.64 1313 796 1141 06 059 0639.04 Middle 91.20 $68,300 $62,290 $46,757 4441 43.32 1924 749 1248 06 OF59 6639.05 Middle 90.58 $68,300 $61 866F$46437F 4156 16.72 695 F 881 1150 06 059 0639.06 Moderate 61.71 $68,300 $42,148 $31,637 5258F 2914F 1532 588 1008 06 0 99 0639.07 Upper 120.61 $68,300 $82,377 $61,835 5069 21.03 1066 991 1195 06 059 0639.0 Middle 101.98 $68,300 $69,652 $52,284 5123 F24.54 F 1257F 718 F1022 06 059 0740.03 Moderate 60.08 $68,300 $41,035 $30,80, 2454 92.30 2265 162 425 06 059 0740.04 Middle 97.41 $68,300 $66,531 $49,939 6923 51.00 3531 1167 1761 06 059 0740.05 Middle 84.43 $68,300 $57,666 $43,288 6484 75.11 4870 787 1296 06 059 0740.06 Moderate 78.41 $68,300 $53,554 $40,202 4050 41.43 1678 748 417 06 059 0741A1 Moderate 78:43 $68,300 $53, 668 $40,208 8256 8837F 7296 955 1474 06 059 0741.02 Middle 81.54 $68,300 $55,692 $41,804 6365 82.94 5279 F 999 F1133 06 059 OF74103 Middle 8I.07 $68,300 $55,371 F$41563F 4615F7764F 3583F 707F 987 06 059 0741.04 Middle 105.94 $68,300 $72,357 $54, 112 8597 60.60 5210 1860 20 99 06 059 7741.06 Moderate 78.49 $68,300 $53,609 $40,242 4589 34.69 1592 778 1294 0 hltpJ/wwwgov/egi-biNPBISA60.Dl.1/Wc ensustuo...+Caliromia+(CA)&as counlyr&asWas_stanrow=2)M) N" 059 0741.07 Middle F 90.57 $68,300 $61,859 $46,432 3973 21.80 866 651 664 06 059 0742.00 Moderate 61.99 568,300 $42,339 $31,780 8205 85.79 7039 l062 1598 06 059 0 443.00 Moderate 67.86 $68,300 $46,348 $34, 992 3998 95.20 3806 473 762 06 059 0744.03 Low 47.87 $68,300 $32,695 $24,545 4862 86.45 4203 269 359 66 059 0744.04 Moderate F 60.87 $68,300 $41,574 $31,210 8176 53.86 4404 704 958 06 059 7744.05 Low 42.02 $68,300 $28,700 $21,543 6500 91.15 5925F 174 F508 66 059 0744.06 Low 46.68 $68,300 $31,882 $23,933 4470 87.32 3903 231 466 06 059 0745.01 Low 44.33 $68,300 $30,277 $22,730 8586 97.31 F 8355 305 534 06 059 0745.02 Moderate 65.55 $68,300 $44,771 $33,609 6025 93.24 5618 595 999 06 059 0746.01 Moderate 59.60 $68,300 $40,707 $30,557 7424 84.36 6263 F 736 P480 06 059 0746.02 Moderate 56.02 $68,300 $38,262 $28,72 8677 91.67 7954 730 1294 06 059 6747.01 Moderate 63.44 $68,300 $43,330 F$32525F 8339 F94.20 F 7855F 786 F,137 O6 059 0747.02 Moderate 60.08 $68,300 $41,035 $30,801 5826 92.69 5400 624 868 06 659 6748.01 Moderate 54.71 $68,300 $37,367 F$-28051F 5704 F 97.53 f 55631 5261 932 06 059 0748.02 Moderate 50.20 $6828 ,300 $34,7 $25,735 4522 79.81 3609 674 996 06 059 0748.03 Middle 81.57 $68,30O $55,712 $41,820 7617 80.48 6130 1355 1780 06 059 7748.05 Low 47.19 $68,300 $32,231 $24,193 6582 93.91 6181 353 513 06 059 0748.06 Moderate 61.55 $68,300 $42,639 $31,557 1184 99.09 1128 388 534 06 059 0749.01 Low 47.25 $68,300 $32,272 $24,225 9193 95.96 8822 525 F,146 059 0749.02 Low 46.54 $68,300 $31,787 $23,860 6961 97.11 6 660 330 724 06 059 0750.01 Low 43.55 $68,300 $29,745 $22,327 10599 87.01 9222 132 551 0 w 36.5 68,300$24930$18714 87.636255 51206 06 059 0751.00 Moderate 59.14 $68,300 $40,393 $30,323 9657 68.13 6579 765 t 167 06 059 0752.01 Moderate F64.97 $68,300 Fs44,375 $33,309 5507 92.63 5101 616 1000 06 059 0752.02 Moderate F65.22 $68,300 $44,545 $33, 338 F 5487 F 87.22 F 4786 F 665 F1018 06 059 0753.01 Middle 95.29 $68,300 $65,083 $48,854 5365 55.10 2956 717 1171 06 059 0753.02 Middle 84.58 $68,300 $57,768 $43,363 3407 55.44 1889 644 889 06 059 0753.03 Upper 131.33 $68,300 $89,698 $67,334 3142 26.70 839 857 Floo, 2 ors 5/13/00 10.39 AM httpY/www. w/cg"rbidPRISAM1.D1,UWcRensrmao ... +CalifomW(CA)&wiaanlydta+_trep :u_ianruw vxr 106 1059 10754.01 (Middle 197.311 $68,3001 $66,4631 $49,8901 33481 29.391 9841 993I 1216 F�� 059 0754.03 Middle 85.04 $68,300 $58,082 $43,597 5394 34.50 1861 1192 1501 Pi 059 0754.04 Middle 88.44 $68,300 $60,405 $45,341 F 5226F3833F 2003F 1030 F1285 06 059 0754.05 Middle 90.02 F$68,300 $61 484F$46154F 246oF 2154F 536F 564 737 06 059 0755.04 Middle 112.73 $68,300 $76,995 $57,797 3973F 1603F 637F 1064 1351 06 059 0755.05 Moderate 72.07 $68,300 F$49 224F$36948F 3376 29 12F 983F 559 F1048 06 059 0755.06 Middle 105.81 $68,No $72,268 $54,247 3114 17.79 554 824 1060 06 OF59 0755.07 Moderate 76.60 $68,300 F$52318F$3927, F 4736 F 33.95 1608F 438 918 06 059 0755.08 Middle 82.92 $68,300 Fs56,634 $42,514 r 6853 F40.95 2806F 975 1409 06 059 0755.09 Moderate 65.72 $68,300 $44,887 $33,694 8941 57.41 5133 411 1446 06 OF59 0756.02 Upper 193.24 F $68,300 Fs131,983 $99,071 F 387oF to 13F 392F 1241 F319 06 059 0756.03 Middle 109.42 $68,300 $74,734 $56,099 3694 11.94 441 1059 1267 06 059 0756.04 Upper 188.92 $68,300 $129,032 $96,857 7435 16.68 1240 2370 2548 Fo-6FO59 0756.05 Upper 190.19 $68,300 $129,900 $97,509 4954 26.77 1326 1567 1670 06 059 0757.01 Middle 108.95 $68,300 $74,413 $55,858 5751 17.74 1020 1259 1796 06 059 0757.02 Upper 123.01 $68,300 $84,016 $63,067 3040 14.74 448 964, 1081 06 059 0757.03 Upper 157.92 $68,300 $107,859 $80,962 3898 14.42 562 1261 1331 06 059 0758.02 Upper 156.66 $68,300 $106,999 $80,319 5291 21.94 1161 1646 1916 66 059 0758.04 Middle 87.88 $68,300 $60,022 $45,057 8066 43.55 3513 1202 2006 06 659 0758.05 Middle 84.41 $68,300 $57,652 $43,277 3551 21.80 774 682 1131 06 059 0758.06 Middle 88.44 $68,300 $60,405 $45,343 4400 24.30 1069 875 1600 06 059 6758.07 Middle [105.071 $68,300 Fs7l,763Fs53,87oF 41o6f 33.56F 1378F 901 Flo94 66 059 0758.08 Upper 122.75 $68,300 $83,838 $62;932 3532 19.39 685 1045 1166 06 059 7758.09 Upper 202.49 $68,300 $138,301 $103,817 3380 15.44 522 989 1b41 66 659 6758.10 Upper 196.31 $68,300 $134,080 $100,645 3283 18.58 610 937 ]029 06 559 7758.11 Middle66176F$49674F 2294 F31.52 F 723F 432 716 06 059 7758.12 Middle 93.72 $68,300 $64,011 $48,049 6227 40.85 2544 1093 1423 06 059 0759.01 Moderate 70.17 $68,300 $47,926 $35,976 4425 38.15 1688 579 1404 3 of 5/13/00 10:39 AM . http9/ww*gav/egi-hirk/PiliSA60.DLIIWcM'ensnshK,... 4 C'alifix is t(C'A)kas_a my-Aass 0&F stanrow-21N1 106 1059 10759.02 Moderate 176.821 $68,3001 $52,4681 $39,3851 65211 Imo' 059 0760.00 Middle 88.77 $68,300 $60,630 $45,511 7224 059 0761.01 Moderate 79.48 $68,300 $54,285 $40,750 4630 30.261 19731 6981 1838 30.98 2238 1151 F,850 42.22 1955 969 1295 06 059 0761.02 Moderate 78.90 $68,300 $53,889 $40,451 5085I 06 059 7761.03 Moderate 72.67 $68,300 $49,634 $37,259 7111 06 059 0762.01 Middle Flo 9 -.o8i $68,300 $74,502 $55,925 F 5129 06 059 0762.02 Middle 91.24 $68,300 $62,317 $46,776 2526 42.16 2144 366 763 49.76 3534 916 1670 20.18 1035 1331 1592 33.73 852 479 799 06 05076204Lw 68300 22321 43.54 2612 1939 546 06 059 0762.05 Middle 99.55 $68,300 $67,993 $51,038 5517 32.30 1782 1016 1392 06 059 0762.06 Middle 96.25 $68,300 $65,739 $49,348 4079 13.95 569 1151 1490 06 059 0762.07 Upper 134.73 $ 88,300 $92,021 $69,073 lol5 53.99 548 265 291 06 059 OF762.97 Middle 96.98 $68,300 $66,237 $49,719 4 226 F1693F 834 1152 1415 06 059 0762.98 Middle 106.26 $68,300 $72,576 $54,480 2817 15.58 439 644 964 06 059 0863.01 Middle 85.06 $68,300 $58,096 $43,611 6064 49.16 2981 1190 1483 06 059 0863.03 Middle 90.11 $68,300 $61,545 $46,199 4807 31.64 1521 1019 1408 06 059 0863.04 Middle 102.38 $68,300 $69, 226 $52,490 3871 F23.25 000 680 827 06 059 0863.05 Upper 128.47 $68,300 $87,745 $65, 666 3596 24.19 870 1020 1144 06 059 0863.06 Middle 106.69 $68,300 $72,869 $54,699 3518F 286oF 1006F 634 811 06 059 0864.02 Middle 94.02 $68,300 $64,216 $48,203 4663 42.05 1961 935 1205 06 059 0864.04 Middle 83.91 $68,300 $57,311 $43,021 4644 51.44 2389 841 1073 06 059 0864.05 Moderate 66.04 $68,300 $45,105 $33,859 5341 61.79 3300 594 871 06 059 0864.06 Middle 86.96 $68,300 $59,394 $44,583 3298 27.08 893 562 730 06 059 0864.07 Middle 96.43 $68,300 $65,862 $49,437 5003 28.10 1406 967 1156 06 059 0865.01 Moderate 65.83 $68,300 $44,962 $33,750 3823 63.38 2423 477 1145 65.02 47868,300$06 3270 841 4598059 464 964 06 059 0866.01 Moderate 59.15 $68,300 $40,399 $30, 226 7511 73.27 5503 631 1647 4 of5 5/13/00 111:39 AM 0 Get Previous 100 Records Get Next 100 Records Maintained by FFlEC Last Updated: 11/01/19" htlp9Avwwwv/cgi-bin/PRISA60.U1 UWCb( 5 of 5 5/13/00 10:39 AM hupJ/ww gov/cBi-bidPBISA60.D1.I./WcbCe s is/uo._+Califx ia+(CA),Qas_namly=Ras OlF K slanmw-AW) 1999 FFIEC Census Report - Summary Census Demographic Information MSA: 5945 - ORANGE COUNTY, CA State: 06 - California (CA) Note: Records 301 through 400 of 484 Get Previous 100 Records Get Next 84 Records State Code County Code Tract ct Code Tract/ BNA Income Level TracU BNA Median Family Income ��� 1999 HUD MSA Family Income 1999 Est. Tract/ BNA Median Family Income 1990 Tract/ RNA Median Family Income Tn BNAA Population Tract/ BNA Minority ��� Minority Population Owner Occupied Units I- to 4 Family Units 06 059 0866.02 Moderate 70.79 $68,300 $48,350 F$36295F 4193F 3945F 1654F 527 F823 06 OF59 0867.01 Middle 84.17 $68,300 $57,488 $43,1-55F 7125F 5208F 3815F 1574 2210 06 059 0867.02 Moderate 67.93 $68,300 $46,396 $34,827 5987 39.82 2384 707 968 06 059 0868.01 Middle 85.98 $68,300 $58,724 $44,079 2933 29.53 866 791 980 06 059 0868.02 Middle 83.81 $68,300 $57,242 $42,969 4840 39.94 1933 691 1049 06 059 0868.03 Middle 86.10 $68,300 $58,806 $44,141 6293 32.12 2021 959 1250 06 059 0869.01 Moderate 57.62 $68,300 $39,354 $29,539 6810 40.19 2737 438 856 06 059 0869.02 Middle 81.88 $68,300 $55,924 $41,979 4059 27.62 1121 868 1149 06 059 0869.03 Moderate 76.51 $68,300 $52,256 $39,226 5234 39.15 2049 631 F1039 06 059 0870.01 Middle 82.69 $68,300 $56,477 $42,396 4428 50.63 2242 642 780 06 OF59 0870.02 Moderate 77.30 $68,300 $52,796 $39,631 F 5370r 306oF 1643F 886 1080 06 059 0871.01 Moderate 78.23 $68,300 $53,431 $40,109 3102 46.74 1450 330 404 06 059 0871.02 Moderate 65.73 $68,300 $44,894 $33,697 5053 54.38 2748 333 724 06 059 0871.03 Middle 91.43 $68,300 $62,447 $46,875 6349 30.29 1923 1345 1655 06 059 0871.04 Middle 85.80 $68,300 $58,601 $43,988 8115 45.31 3677 1196 1644 06 059 0872.00 Moderate 77.51 $68,300 $52,939 $39,739 5895 37.17 2191 973 1506 06 059 8873.00 Low 46.18 $68,300 $31,541 $23,678 7494 79.72 5974 247 1127 06 059 0874.01 Moderate 78.92 $68,300 $53,902 $40,461 2588 42.35 1096 544 838 I of5 5/13/00 10:42 AM 0 httpJ/"Wogov/cgi-binAg3,SA60.1)I.l JWcb('cnsuJiai._+Califiimia{(CA)&w-a mty d&m. t*ac ,uutrow=SIN) 1-"�" 059 0874.02 Moderate 52.93 568,300 536,151 S27,135 8474 75.60 6406 585 1555 F06 059 0874.03 Moderate 62.78 $68,300 542,879 $32,188 3329 69.54 2315 439 653 06 059 0875.01 Moderate 67.02 568,300 $45,775 $34,362 5925 68.24 4043 576 874 06 059 0875.03 Moderate 74.96 $68,300 $51,198 $38,431 5689 F44.86 F 2552F 668 1191 06 059 0875.04 Moderate 57.70 $68,300 $39,409 $29,583 6767 71.27 4823 F 540 F,095 06 059 0876.01 Moderate F78.32 $68,300 $53,493 $40,156 4005 40.15 F 1608 F 508 634 06 059 0876.02 Middle 92.14 S68,300 562,932 $47,238 6129 31.34 1921 1294 1607 06 059 0877.01 Middle 85.64 $68,300 $58,492 $43,906 4022 27.70 1114 849 1173 06 059 0877.03 Middle 91.33 $68,300 $62,378 $46,825 5393 46.73 2520 934 1150 06 059 0877.04 Middle 92.56 $68,300 F$63218F$47455F 4061 F2847F 1156F 1035 1139 06 059 0878.01 Middle 82.27 $68,300 $56,190 $42,180 438oF3267F 1431F 953 1157 06 059 0878.02 Middle 80.07 $68,300 $54,688 F$41053F 556oF4112F 2286F 1200 P580 06 059 0878.03 Low 45.99 $68,300 531,411 $23,580 4990 68.34 3410 285 606 06 059 0878.05 Moderate F6999 $68,300 F$47803F$3588, F 5064F4222F 2138F 736 1205 06 059 0878.06 Moderate 68.83 $68,300 $47,011 $35,287 42loF 51.54 F 2176F 494 770 06 059 0879.01 Moderate 58.67 $68,300 $40,072 530,078 2526 64.41 1627 384 488 06 059 0879A2 Moderate 76.56 568,300 Fs52,290 $39,250 5245 62.50 3278 741 1059 06 059 0880.01 Middle F92.75 $68,300 $63,348 F$47552F 4239 F39.94 1693 F 906 1134 06 059 0880.02 Middle 94.23 $68,300 $64,359 $48,312 3318 35.02 1162 796 922 06 059 0881.01 Moderate 78.81 $68,300 553,827 $40,403 f 182oF2286F 416 F447 665 06 059 0881.04 Middle 82.55 $68,300 $56,382 $42,321 4188 33.50 1403 668 750 06 059 0881.05 Middle 82.05 568,300 $56,040 542,064 F 3197 37.47 1198 763 [ 921 06 059 0881.06 Moderate 62.19 $68,300 $42,476 $31,884 3554 33.23 1181 981 1206 06 059 0881.07 Moderate 66.98 $68,300 $45,747 $34,338 5011 F49.25 2468F 719 F,342 06 059 6882.01 Middle 92.03 $68,300 $62,856 547,181 3191 32.97 1052 707 816 06 059 0882.02 Middle 97.47 $68,300 $66,572 $49,972 2418 30.36 734 691 795 06 059 OF882.03 Middle 85.92 $68,300 $58,683 Fsii 052F 4012 F 30.46 F 1222F 758 F1041 06 059 0883.01 Middle F8540[$683OoF$58328F$43785F 4975 F 33 45F 1664 F 11 541359 2 of 5 5/13/00 10:42 AM hllp•J/www*gov/cgi-bin/PIIISA60.DI.IJWeWensusha... �Caliti"ia+(CA)&as_awnly=&as_Iwas slarlmw 3(N) lkw �59 10883.02 (Middle 197.131 $68,3001 $66,3401$49,7971 43291 24.051 10411 1098 11333 16' 059 0884.01 Middle 91.29 $68,300 $62,351 $46,806 4411 33.46 1476 1094 1307 06 059 0884.02 Moderate 68.42 $68,300 $46,731 $35,076 4560 52.98 2416 643 814 06 059 8884.03 Middle 83.54 $68,300 $57,058 $42,829 4982 45.06 2245 951 1432 O6 059 0885.01 Moderate 75.16 $68,300 $51,334 338,534 5469 F54.03 2955 923 1217 06 059 0885.02 Moderate 66.66 $68,300 $45,529 $34,176 4661 52.59 2451 715 1117 F06059 0886.01 Moderate 74.34 $68,300 $50,774 $38,115 4906 47.15 2313 880 1156 06 059 0886.02 Middle 86.42 $68,300 $59,025 $44,306 3811 38.28 1459 685- 939 06 059 0887.01 Moderate 58.04 $68,300 $39,641 $29, 554 4667 52.45 2448 584 864 06 059 0887.02 Moderate 78.44 $68,300 $53,575 $40,214 4582 52.88 2423 758 1254 06 059 0888.01 Moderate 58.47 $68,300 $39,935 $29,977 6869 55.22 3793 824 1232 06 059 0888.02 Middle 80.46 $68,300 $54,954 $41,250 4421 43.70 1932 728 1031 06 059 0889.01 Middle 81.64 $68,300 $55,760 $41,856 5853 52.09 F -36491 1077 1463 06 059 0 889.02 Moderate 78.52 $68,300 $53,629 $40,256 4 997 56.95 2732 750 1123 06 059 8889.03 Moderate 78.44 $68,300 $53,575 $40,217 7676 68.49 5257 1086 P599 06 059 0889.04 Middle 88.57 $68,300 $60,493 $45,409 4980 56.71 2824 1036 1388 06 059 0889.05 Moderate 72.65 $68,300 $49,624 $37,246 4718 58.10 2741 923 1273 06 059 0890.01 Moderate 79.08 $68,300 $54,012 $40,546 6446 76.96 4961 1096 1550 06 059 0890.02 Moderate 72.98 $68,300 $49,845 $37,414 8918 69.04 6157 1366 1791 06 059 0891.01 Moderate 78.65 $68,30 $ 33, 118 $40,323 8120 57 34F 4656 F 1400 F1890 06 059 0891.02 Moderate 77.96 $68,300 $53,247 $39,967 5254 55.44 2913 11 U 1421 06 059 0891.04 Moderate 53.30 $68,300 $36,404 $27,328 5681 82.24 4672 452 590 06 059 0891.05 Moderate 52.12 $68,300 $35,598 $26,719 6187 94.71 5860 297 857 06 059 0992.01 Moderate 59.57 $68,300 $40,686 $30,540 10478 76.24 7988 1415 2242 06 059 0992.02 Middle 81.17 $68,300 $55,439 $41,615 7020 63.86 4483 1260 1611 06 059 0992.03 Middle 97.80 $68,300 $66,797 $50,139 F 5586 F sO 86f 2841 F 1093 P408 06 059 0992.04 Middle 103.54 $68,No $70718F$53086F 4004F3501F 1402F 898 P194 06 059 6992.12 Middle 80.91 $68,300 $55,262 $41,483 4851 29.13 1413 659 1262 3 or5 5/13100 10:42 AM 11 httpl/www•gov/cgi-hidpmsA60.1)1.1JWLW %uVw..+carru sa+(CA)k. 01 ntrkas_io:�-startrow-31N1 4 106 1059 10992.14IMiddle 190.721 $68,3001 $61,962 06 OF59 0992.15 Middle F954, $68,300 $65,165 06 059 0992.16 Middle 101.91 $68,300 $69,605 06 059 0992.17 Upper 152.54 $68,300 $104,185 06 059 0992.20 Middle 1 55.41 $68,300 $71,995 06 OF59 0992.22 Middle 99.59 $68,300 . $68,020 06 059 9992.23 Middle 86.55 $68,300 $59,114 06 059 0Uppe 992.24 r 135.34 $68,300 Fs92,437 06 059 0992.25 Upper 128.67 $68,300 $87,882 06 059 0992. 6 FUpper • 145.01 $68,300 $99,042 06 059 0992. 7 FMiddle 9234 $68,300 $63,068 06 059 0992.28 Middle 93.53 $68,300 $63,881 06 059 0992.29 Middle 110.67 $68,300 $75,588 06 059 0992.30 Middle 113.75 $68,300 $77,691 06 059 0992.31 Upper 146.39 $68,300 $99,984 06 559 0992.32 Upper 129.38 $68,300 $88,367 06 059 0992.33 Upper 123.24 $68,300 $84,173 06 059 0992.34 Middle 110.32 $68,300 $75,349 06 059 099235 Middle 84.28 $68,300 $57,563 06 059 0992.37 Middle 110.17 f $68,300 $75,246 06 OF59 0992.38 Upper 148.19 Fs68,300 $101,214 06 059 0992.39 Upper 125.31 $68,300 $85,587 06 059 0992.40 Upper 123.49 $68,300 $84,344 06 059 0992.41 Middle 101.56 $68,300 $69,365 06 059 0992.42 Middle 112.31 Fs68,300 $76,708 06 059 0992.43 Upper 126.41 $68,300 $86,338 ,513I 34981 16.27 ,917 5371 F23.87 ,248 4137 F22.31 ,205 2535 1.79 ,043 F 4775 12.63 ,057 F 4325 33.41 ,375 3980 F 32.11 ,389 3567 30.28 ,968F 3546 30.12 ,344 F 3967 33.65 ,344 5625 F40.84 ,953 7552 28.88 ,74oF 5831 F25.00 ,316 4539 Fl6.85 ,055 F 5802 21.15 1,333 5529 21.76 ,183 3337 F26.37 ,561 2982 29.98 ,210 4716 18.13 i,484F 3680 18.23 ;,975 4511 22.26 4,245 3774 19.00 y310 5238 12.64 !,068 4238 F26.55 t,579 F 3629 F30.64 1,809 4108 14.61 5691 106011320 1282 2251 Fl721 923 1053 1397 299 775 773 --603F 1201 F1715 1445 1109 1305 1278 932 F,089 1 880 r 848 947 1068 955 1042 1335 F 1032 1142 2297 F 1175 1487 2181 F 1093 1526 1458 1268 1505 765 2251 1511 1227F 1580 F1731 1203 1725 1963 880 827 1024 894 794 883 855 921 1621 671F 1006 1254 1004 1265 1396 7-17F 1117 1370 662F 1 773 1354 1125F 607 787 11-12F 690 F923 600 F 1153 1273 4 of 5 5/13100 10.42 AM • bltp://www* gov/cgi-bin"ISA60.DI.Ilwtwmsustw., +Caiili"ia3(CA)dcas_�nty--&"k Ae@as Uanniw-31N1 Get Previous 100 Records Get Next 84 Records Maintained by FFIEC Last Updated: 11/01/1999 s of • 5/13/011 10:42 AM hup!/ww-*gov/cgi•birJPIIISAR0.U1.1/WtbWensus/m..+Califi"ia+(CA)&as_mmty-Ras_JeQac Marlmw=400 19" FFIEC Census Report - Summary Census Demographic Information MSA: 5945 -ORANGE COUNTY, CA State: 06 - California (CA) Note: Records 401 through 484 of 484 Get Previous 100 Records Tract/ 1999 HUD 1999 Est. 1990 Slate Code County Code Tract Code Tract/ RNA Income RNA Median Family MSA Median Tractt RNA Median Tract/Tract/Tract/Owner RNA Median RNA RNA Minority Minority Population Occupied 1- to 4- Family Level Income ��� Family Income Family Family Population ��� Units Units 06 059 0992.44 Middle 109.59 $68,300 Income $74,850 Income $56,184 4140 9.44 391 1594 1598 06 059 0992.45 Upper 136.45 $68,300 $93,195 $69,955 3246 20.46 664 919 1069 06 059 0992.46 Upper 130.84 $68,300 $89,364 $67,08b 4186 26nj 1093 0084 1263 06 059 0993.02 Middle 104.56 $68,300 $71,414 $53,606 7162 12.34 884 873 2434 06 059 0993.05 Moderate 77.86 $68,300 $53, 778 $39,917 7047 27.49 1937 659 1987 06 OF59 6993.06 Middle F9233F$683OoF$6306, $47, 339 5674 [--14-82F 841 F 875 2183 06 059 0993.07 Middle 84.61 $68,300 $57,789 $43,380 2459 13.18 324 943 1231 06 059 0993.08 Upper 195.05 $68,306 $133,219 $100,000 2427 12.61 306 826 935 06 059 0993.09 Upper 128.49 $68,300 $87,759 $65,877 3569 10.25 366 1174 P426 06 059 0994.02 Moderate 60.56 $68,300 $41,362 $31,048 7256 60.54 4393 436 1682 06 059 0994.04 Upper 123.12 $68,300 $84, 991 $63,123 4881 13.97 882 1126 1510 06 059 0994.05 Middle 107.97 $68,300 in 744 $55,357 4404 27.57 1214 1002 1210 06 059 0994.06 Upper 121.29 $68,300 $82,841 $62,185 4509 19.29 870 1108 1222 06 059 0994.07 Middle 105.21 $68,300 $71,858 $53,942 2465 12.45 307 636 845 06 059 0994.08 Middle 94.74 $68,300 $64,707 $48,571 3418 23.61 807 863 Fl195 06 059 0994.10 Middle 84.74 $68,300 $57,877 $43,447 3760 23.67 890 447 902 06 059 0994.11 Moderate 72.58 $68,300 $ 99,572 $37,209 5340 31.24 1668 443 1360 06 059 0994.12 Upper 120.12 $68,300 $82,042 $61,582 4820 14.77 712 1042 1199 I of 4 5/13/INI 10:44 AM hftpJ/w ogov/cgi-Ain/PDISA(A.UI.IJWcK'enwdnn...+Califs is+iCAMcas_minly-dcas toKma_slanrow-4(N) I�mo�' 059 4.13 Middle 104.64 $68,300 $71,469 553,648 4663 29.66 1383 684 10t4 Iw 059 0994.15 Upper 152.62 $68,300 $104,239 $78,245 5610 2046F 1148 F 1552 1740 06 059 0994.16 Middle F 91.15 $68,300 r $62,255 $46,732 4356 F 13.96 F 608F 512 1451 906 1130 06 059 0994.17 Upper 135.98 $68,300 $92,874 $69,718 3866 15.13 585 06 059 0995.02 Moderate r6l.30 $68,300 $41,868 $31,429 F 772 33.68 260F0 130 06 059 0995.04 Upper 139.22 $68,300 F $95,087 $71,377 2615 7.46 195 873 974 06 559 0995.05 Middle 113.23 $68,300 $77,336 $58,051 6358 ] 0.29 654 1030 2489 06 059 0995.06 Upper 145.22 $68,300 $99,185 $74,452 1373 10.71 147 273 817 06 059 9995.07 Upper 208.20 $68,300 $142,201 $106,740 8262 1237F 1022 2948 3225 06 059 0995.08 Middle 96.00 $68,300 $65,568 $49,219 4461 13.25 591 1103 1435 06 06 059 059 6995.09 Moderate 6995.10 Moderate 57.33 F61.76 $68,300 $39,156 $29,393 $68,300 F $42 182F$31662F 3853 2.70 446oF 321F 104 143 2647 614 3298F 639 06 059 0996.01 Moderate 73.79 $68,300 $50,399 $37,830 6893 6128F 4224 F 816 I508 06 059 0996.02 Middle 102.14 $68,300 $69,762 $52,367 3377 27.57 931 650 868 06 OF59 0996.03 Middle 118.51 $68,No $80,942 $60,757 6141 F20.66 1269 1711 F2137 06 059 0996.04 Middle 112.29 $68,300 $76,694 $57,572 3863 21.85 844 957 1219 06 059 0996.05 Upper 127.11 $68,300 $86,816 $65,168 3613 21.73 785 1004 1175 06 059 0997.01 Moderate 72.92 $68,300 $49,804 s37 386F 4767F4854F 2314F 753 1410 06 059 0997.02 Middle 98.71 $68,300 $67,419 $50,609 F 6558F 30.50 F 2000 F 1487 1922 06 059 0997.03 Middle 119.62 $68,300 $81,700 $61,326 4848 33 89r 1643F 1190 1351 06 059 0998.01 Moderate 72.74 $68,300 $49,681 $37,292 4339 45.33 1967 549 1005 06 059 0998.02 Moderate 59.58 $68,300 $40,693 $30,547 3825 48.00 1836 446 1008 06 059 0998.03 Moderate 69.26 $68,300 $47,305 $35,507 4492 59.51 2673 826 1011 06 059 0999.02 Middle 88.65 $68,300 $60,548 $45,450 4177 39.98 1670 787 1054 06 059 0999.03 Moderate 76.47 $68,300 $52,229 F$39206F 5172 F52.49 F 2715 F 723 F1058 06 059 0999.04 Moderate 63.26 $68,300 $43,207 $32,432 5297 40.99 2171 626 1202 06 059 0999.05 Middle 86.10 $68,300 $58,806 $44,144 2623 20.36 534 956 1098 06 059 0999.06 Upper 123.13 $68,300 $84,098 $63,129 4811 19.19 923 1412 1618 2 of 4 5/13/00 10:44 AM 0 h(lpJ/ww*.gov/cgi-bin/PIIISA60.[)LIJWcWmsus/w,..+Califix is+(CA)&a<_cmnty=&a5_-_wW. %Iarrow-4(N) I06 1059 11100.01 (Middle 1102.491 $68,300 1 $70,001 1 $52,547 1 46501 17.551 8161 1094 1499 N" 059 ,100.03 Middle 108.97 $68,300 $74,427 $55,867 3031 20.32 616 F 835 F962 06 059 1100.04 Upper 121.74 $68,300 $83,148 $62,416 4762 16.30 776 1483 1636 06 059 1100.05 Middle 119.17 $68,300 $81,393 $61,096 3263 12.87 420 986F,125 06 059 1100.06 Upper 149.92 $68,300 $102,395 $76,864 2768 639 177 887 975 06 059 1100.07 Upper 140.74 $68,300 $96,125 $72,158 4640 10.50 487 1541 1671 Iw 559 I100.08 Upper 121.32 $68,300 $82,862 $62,200 4129 11.33 468 1401 1370 06 059 1100.10 Middle 118.44 $68,300 $80,895 $60,725 4780 34.69 1658 1244 1460 06 659 1100.11 Upper 140.69 $68,300 $96,691 $72,128 2899 26.11 557 959 1096 06 059 1100.12 Upper 146.13 $68,300 $99,807 $74,919 4944 19.52 965 1642 1761 06 059 1100.13 Middle I -go 5-9 $68,300 $61,873 $46, 444 F 8883 21.09 1873 F 1260 24 33 06 059 1101.02 Middle 110.58 $68,300 $75,526 $56,691 5488 37.39 2052F 1387 1622 06 OF59 1101.04 Middle 108.44 $68,300 $74 065F$55596F 5362 29.37 F 1575 F 1024 F,348 06 059 1101.06 Middle 101.13 $68,300 $69,072 $51,850 3536 23.78 841 982F,228 06 OF59 1101.08 Middle 99.70 $68,300 $68, 995 $51 114F 2692 29.46 r 793 F 502 F 826 06 059 11101.09 Middle 106.93 $68,300 F$73033Fs54823F 4408 F27.88 1229F 967 F,089 06 059 1101.10 Middle 82.07 $68,300 $56,054 $42,074 4934 34.56 1705 759 1277 06 059 i 101.11 Middle 104.36 $68,300 $71,278 $53,503 5098 30.31 1545 1236 1636 059 1101.12 Middle 105.01 $68,300 $71,722 $53,839 5900 21.63 1276 1368 P497 06 059 1101. 3 FMiddle 113.20 $68,300 $77,316 $58,037 2204 35.98 793 534 624 06 OF59 1101.14 Middle 109.36 $68,300 $74,693 $56,066 5005 F28.93 1448 F 1229 1519 06 059 1101.15 Middle 110.58 $68,300 $75,526 $56,694 3822 50.24 1920 944 1009 06 059 1101.16 Middle 112.66 $68,300 $76,947 r $57,761 F 4481 F53.65 2404 F 969 F1083 06 059 1102.01 Middle 92.30 $68,300 $63,041 $47,323 6156 33.25 2047 1317 1662 06 059 1102.02 Moderate 78.32 $68,300 $53,493 $40 156F 5422 31.46 1706 F 464 F908 06 059 1102.03 Middle 92.36 $68,300 $63,082 $47,352 5259 28.24 F 1485 1080 1364 06 059 1103.01 Middle 90.07 $68,300 $61, 118 $46,176 6627 3947F 2616 F 1408 F1679 06 059 1103.02 Middle 86.93 $68,300 $59,373 $44,566 5454 45.56 2485 1119 1588 5/13/00 10:44 AM hnp:l/www.W- Caliromiat(CA)&as_county=&as_IIVxs slanmw=400 106 059 (1103.03(Middle 199.051 $68,3001 $67,6511 $50,7831 44661 32.361 14451 10221267 I` 6 059 1103.04 Middle 97.48 $68,300 $66,579 $49,979 4659 38.57 1797 1 I35 1349 06 059 1104.01 Middle 91.23 $68,300 $62,310 $46,774 4348 33.81 1470 1035 1233 06 059 1104.02 Middle F8258Fi68,No $56,402 $42 339F 4677 47 4oF 2217 F 688 1092 06 059 1105.00 Moderate 61.89 $68,300 $42,271 $31,729 7086F5469F 3875 F 653 1168 06 059 1106.01 Moderate 73.35 $68,300 $50,098 $37,607 6366 51.68 3290 647 1236 06 059 1106.03 Moderate 61.36 $68,300 $41,909 $31,458 6754 53.72 3628 438 981 06 559 1106.04 Middle 116.50 $68,300 $79,570 $59,730 F 6299 F31.58 1989F 1787 2041 06 059 1106.05 Upper 123.18 $68,300 $84,132 $63,154 6671 46.20 3082 1548 2039 06 059 1107.98 Unknown $68,300 F soF soF oF 0 l o F oF 0 Get Previous 100 Records Maintained by FF/EC Last Updated: 11/01/1999 4 of 4 5/13/00 10:44 AM TECHNICAL APPENDIX M 1999 FFIEC (Federal Institutions Examination Council) Census Report Housing Information by Census Tract for Orange County, CA hnp://w -w.ffiec.gov/cgi-bin/PBISA60.DLL...+(CA)&as_CounT-=059+-+0PANGE &as_nac • 1 of 4 1999 FFIEC Census Report - Housing Information State: 06 - California (CA) County: 059 - ORANGE Note: Records I through 100 of 484 Tract Code Total Housing Units 1- to 4 Family Units Median age of Housing Stock (in years) Inside Central City? Owner Occupied Units Renter Occupied Units Vacant U°1H Owner Occupied I- to 4- Family Units Fo -611 o -1F 1496 1242 F 32 No F 1124 F 339 F 33 F 1124 0011.02 F 1102 F 748 F 32 F No F 651 F 424F 27F 651 0011.03 F1361 F 796 F 29 F No F 553F 754F 54F 508 0012.00 2352 F1664 F 30 No F 931 F 1353 F 68F 931 0013.01 F2588F 1623F 22 FNo F 1521 F 997F 70 F 1356 0013.03 F 1857 F1252F 17 No F 988F 820 F 49 F 902 0013.04 1143 904 16 No 548 546 49 540 0014.01 F 1824 F1287 F 26 FNo F 876F 888 F 60 F 874 0014.02 F1635FI208 F 27 No F 883F 691F 61 F 883 0014.03 F-1014FI0147 27 No F 911 F 95 F 8F 911 0014.04 F 1088 F 958F 33 No F 592F 465 F 31 F 585 0015.01 2095 r 2078 F 14 FNo F 1884F 159 F 52F 1867 0015.02 r 3292F 1973 F 14 FNo F 1673F 1486F 139 F 1621 0015.03 F1691 F1312 F 27 FNo F 985 F 647 F 59 F 981 0015.04 F171OF1059F 19 FNo 633F 991 F 86F 620 0015.05 F 2136FI955F 23 FNo F 1537 F 541 F 58 F 1502 0016.01 2310 1785 21 No 1766 446 104 1685 19 No 1 0017 03 278412 �337 7 11 No 2453 251 80 24332 0017.04 F 96OF956F 22 No F 760f 189 F 117 756 0017.05 F 1527FI124F 17 FNo F 939 F 540 48F 917 0017.06 F132OF1187F 30 FNo F 1114 F 168 F 38 F 1103 0018.01 F 1398F 902 F 24 FNo F 397 F 892 F 109 F 392 0018.02 F 2102F 1337 F 27 No F 706F 1268F 128F 680 0019.01 801 F 768 34 No 580 F 205F 16F 580 0019.02 F-8-O6F-71-31 34 FNo F 542 F 240 F 24 F 542 0019.03 F 936 F 834F 33 No F 638F 277F 21 F 626 0110.00F 2-33OF20-221 32 No 1444 F 753F 133 1439 Get Next 100 Records http://www.Mec.govicgi•bin/PBISA6o.DLL...+{CA)&as_Counn-059+--ORAN'GE &as_trarn 0 0 10111.O1 1 13051 8401 341 No 1 6741 6051 26 674 FO 1-110 -2F 1187 1083 34 No 848 315 24 848 0112.00 1596 1241 38 No 889 631 76 803 0113.00 f 1-253F1022 38 No 558 653 42 558 0114.95 F 276 181 51 No 44 174 58 44 0114.96 1020 992 31 No 891 114 15 885 0114.97 353 353 34 No 318 31 F 4 3 88 0114.98 F 1872 1402 33 No F 7-18 F 1 885 69 F 7-12 01 55.0 1 F3 119 F 993 17 No F 7-49 F 2157 113 F 7-12 ol15.02 1426, 809 31 No 569 779 78 569 0116.01 2410 F 904 23 No 330 1930 F 1-50 F 330 0116.02 1535 1212 27 Yes 830 641 64 441 01 77.07 Fl911 F 1 221 15 F No 941 654 F 316 863 0117.08 1996 827 18 No 516 1355 125 482 O1 7709 F 1467 1467 19 F No F 1345 101 21 1345 0117.10 F 1689 1075 21 F No 983 99 F-7 973 0117.11 2666 1163 21, No 416 2059 191 402 0117.2 F 1605 Fl073 25 No F 756 782 F 67 753 0117.14 83 83 18 Yes F 4 76 F-3 4 0 117.15 F 1876 F 1784 19 No F 1630 209 37 1 330 0117.16 806 569 14 No 481 278 47 471 0117.17 F 9-04 F-82-8F 20 FNo F 692 2-OOF-12F 677 77.18 11281121 23N 981 132 15 98101 0117,19 2601 1622 15 Yes F 1013FI445FI43F 988 0117.20 1485 998 21 Yes F 310 1104 71 310 02 88.02 2316 1943 19 No 1501 F 716 99 F 1456 0218.07 1303 1104 15 Yes 958 308 37 958 0218.09 F 853 F 850 23 No 725 118 10 725 6218,10 F 1237 F 1225 19 FNo F 1092 137F 8 F 1080 02 88.1 1 F 2344 Fl583 F-6 Yes F 1266 973 F 105 F 1240 0218.12 F 2244 Fl885 16 Yes F 1436 744 79T 1421 0 118.13 29 29 17 Yes I5 14 r 0 15 02 88.14 F 2570 Fl704 13 F No F 1518 F 983 69 F 1518 0218.15 F 1268 F 1261, 15 F No 1 1126 112 30 F 1126 0218.16 1732 1682 18 No 1473 225 34 1437 02 88.17 F 1-19-6 F,190 15 No 848 F 315 27 848 2218. 8 F7 224 6352 F 4 F Yes F 5631 1076 F 317 5596 0218.19 F 2596 2587 F 7 No 2400 128 68 F 2391 2 of 4 5/13/00 10:56 AM http://www.ffiec.gov/cgi-bin/PBISA60.DLL...+(CA)&as_County--059*-+ORANGE &as_Uacr 11 10219.03 0219.04 2219.05 1 11791 11691 20I 2958F2742F 12 1593 1593 15 F 2743 2596 13 F 3011 F2808F 12 1558 F1449 F 6 F 826F 820 F 11 F1772FI719 F 23 Yes FYes Yes FNo Yes Yes FYes No I 9721 1821 F 2426F 297 1400 160 F 2484 204 F 24317 437 7 1193 F 75 F 786 F 12F F 1216F 518F 25I F 241 33 55 F 143 F 290 22 38 972 F 2420 1400 2398 F2431 F 1193 F 786 F 1216 0219.09 0219.10 Fo-219 1 FF 2219.12 2219.13 0219.14 F1279FI209F 17 FNo F 918 r 320 F 41 F 913 2219.98 631 334 F4 Yes F 303 F 294F 34 F 303 0320.02 F 2095 2040 F 17F No F 1693 F 367F 35F 1693 0320,03 F 1597F 1597 F 23 No F 1451 130 16 F 1451 6320.06 F3428 F2818 F 13 No F 2105 F 1176F 147F 1951 3320.11 7 667 F 667 F 39 No F 382 213F 72F 382 0320.12 F1326 F1172F 21 F No F 1052F 242F 32F 1017 0320.13 1169 1169 15 No 1006 134 29 1006 0320.14 2000 1570 15 No 1498 424F 78F 1292 6320.15 2 626F 1831 17 No F l6o3F 373F 5oF 1589 0320.16 F2679F2502F 13 FNo F 2172 F 459 F 48 F 2069 6320.17 F2225 r 2225F 15 No F 1824F 365 F 36 F1824 3320.18 3968 3211 r 4 No 2825 874 269 2704 6320.19 F 3314 F 3212 12 FNo F 2927 F 29oF 97F 2878 0320.20 F 2046F,867F 13 No F 1589F 392F 59 1581 0320.21 2 338 2406 4 No 1851 481 306 1851 0320.22 2234 1576 F 8 No 1411 775 48 1323 6320.23 491 491 14 No F-399F 65 27 399 0320.24 F2707F2514 F 3 FNo F 1907 F 315 F 485F 1888 0320.25 5174 4030 f 3 No F 3803 r 920 F 451F 3371 3320.26 2509 2010 F 3 No 1733 501 275 1691 0322,98 F 0 F67 0 No F 6 F 6 r 0 r 0 0421.03 F 3218 F2834 F 24 No F 1576 F 1267 F 37sF 1515 0421.05 F 2411 F2191F 4 No 1949F 31OF152F 1949 4421.E F 118 118 F 25 No F 511 F 94 F 113 F 511 0421.07 F 1475 1219 F 26 FNo F 326F 935F 214F 326 .Get Next Maintainer 3of4 http://www•.Mcc.go�/cgi-bin/PBISA60.DLL...+(CA)&as_County-059*-+ORANGE &as tracr— Last Updated: 11/01/1999 4 of 4 5/13100 10:56 AM http:i/wuw.sec.gov/cgi•bin/PBISA60.DLL...059—+ORANGE &as_trarn&as_starrrow-100 1999 FFIEC Census Report - Housing Information • State: 06 - California (CA) County: 059 - ORANGE Note: Records 101 through 200 of 484 Get Previous 100 Records Get Next 100 Records Tract Code Total Housing Units 1- to 4- Family Units Median age of Housing Stock (in years) inside Central City? owner Occupied Units Renter Occupied Units Vacant U°tH Owner Occupied 1- to 4- Family Units 0421.08 3054 2072 22 No 404 2120F 530 F 304 6421.09 1830 F 9-12 F-2No 772 769 F289 615 0421.10 F 3369 F2958 F 18 FNo F 2314 7 851 F 204 F2213 0422.01 F2731 F2683 F 23 FNo F 1661F 767 F 303 F 1635 0422.03 2369 2056 10 No 1654 471 244F 1654 0 22 04—F 3216 r 3167 F 14 No F 2305 F 733 F 178 F2305 0423.05 F 1856 1705 F 33 FNo F 1162 F 363F 331 F 1094 0423.06 F 4434 3772F 7 FNo r 3022F 862F 550 F 2998 0423.07 F 2365 1974 7 16 FNo F 1642F 648 F 75 F 1642 0423.08 F 2517 r 2455 r 7 F No F 2304F 146F 67F 2263 0423.10 F 2766 2611 13 FNo F 1968 680 118 1885 4423.11 F 19125737F 19 No F 1414F 389 F 109 F1326 0423.12 F 1995 F1969 17 No F 1299 F 599 F 97 1299 0423.13 F 2998 2585 F 20 No F 838 F 1808 F 352F 789 0423.15 2033 1729I� ' No 1751 210 72 1538 0423.16 5144 3289I No 2547 2638 559 2547 0423.17 F1367 F I 12oF 13 r No F 1028 F 212 F 127 F 912 0423.18 F 4875 36491 3FNo F 3055F 1152 668 F 2804 6423.19 F 945 F 945 r 8 No F 819F 57F 69F 819 0423.20 2551 1390 r 4 No F 1300 F 1000 251 1054 0423.21 F 2412 2302 F 3 No F 2032F 233 F 147 F 1964 0423.22 --F3334f 2813F 6 F No F 1789 F 1038 F 507 F 1731 0423.23 F2442FI641F 11 No 1144 F 799 F 499F 1036 0524.04 F 1208 F1070 F 28 Yes F oFI171F 37 F 0524.05 3359 F2794 Yes F 2323 F 922 114 2240 0524.08 r 2156 2146 14 FYes F 1750 F 273 F 133F 1740 0524.10 2115 1636 15 Yes 1406F 582 F 133 71400 0524.11 1352 1288 20 No 1009 313 30 1009 1 of4 5/13/00 10:57 AM http•J/www.ffiec.gov/cgi•bin/PBISA60.DLL...059+•+ORANGE &az trnct &as_stanrow=100 10524,12 I 20371 17921 121 Yes 1 15381 4261 73 470 1404 3929 0524.13 7147 4726 � No 4262 2415 0524,14 1021 920 F 3 No 917 61 No 1221 258 43 42 827 1221 0524.15 1521 1328 14 0524.16 1286 1165 17 No 986 273 27 979 0525.01 1567 734 � Yes r 9 1281 277 0525.02 2002 1993 18 No 1667 300 1204 653 35 1658 42 1204 0525.05 1899 1629 15 Yes 0525.06 832 832 16 Yes 744 71 17 744 0525.]1 2195 1854 14 Yes 1336 801 58 1324 0525.12 2977 2474 F--7 Yes 1930 953 94 1856 0525.13 2173 1747 11 Yes 1310 743 120 61 1272 1167 0 0525.14 1985 1522 � Yes 1202 722 0525.15 256 106 � Yes F 0 254 �� 0525.16 3747 2447 F 3 Yes 1817 1664 266 1787 0525.17 1126 717 10 Yes 593 459 74 406 0525.18 F-o F-or 0 Yes F-or 0�� 0525.95 4333 0525.96 1348 3460I 1348 ' 15 Yes Yes 2811 1314 1082 236 208 30 2804 1082 0525.97 2074 1711 12 Yes 1401 627 46 1401 0525.98 1250 1042 14 Yes 772 456 22 772 0626.04 2304 2084 30 Yes 1216 691 397 1200 0626.05 2243 1389 38 No 551 1333 359 483 0626.07 5108 3938 13 No 3164 1106 838 �� 2720 0626.10 F5 I , 15 Yes F0 F 5 0626.11 1738 926 15 Yes 382 1252 104 340 0626.12 2743 2508 18 Yes 1899 770 74 1891 0626.13 r 0 �� Yes ���F o 0626.14 1689 591 10 Yes 403 1226 60 392 1490 0626.17 1739 1672 21 No 1490 186 63 0626.18 0626.19 2837 2320 2042 1971 15 38 Yes No 1926 1192 791 628 120 1897 222 1143 0626.20 0626.21 2398 1824 2236 1804 25 13 No Yes 1591 1438 543 348 264 1561 38 1426 0626.22 3020 0626.23 4570 0626.24 5517 1412 2215 2849 19 14 23 No No No 2409 3413 4127 380 826 930 231 1188 331 1856 460 2458 0626.25 2242 1209 20 No 1709 385 148 983 2 of 4 5/13/00 10:57 AM http://www.Mcc.gov/cgi-bin/PBISA60.DLL...059,• ORANGE &as_tracr&as_smrtroH=100 • 10626.26 1 10571 3451 41 Yes 1 1851 7791 F 6 Yes F412F 809F 931 174 75F 329 161 134 20 F 864 22 579 29 1183 137F 796 F 169F 1126 0626.27 F 1296 703 0626.28 587 375 14 16 ' 13 F 29 F 33 Yes 134 292 F Yes 804 88 Yes 596 104 Yes F 1183 73 No F 843 F 647F F No F 1136 F 1234 0626.29 0626.30 912 722 f 9-12 689I 0626.31 0627,01 F 1285 F16275499 1285 0627,02 2539 F2502 0627.99 0 228.00 0629.00 0 330.04 0FOF 3 001 F 956 3 997 2 002 F 933F 1772 O 35 36 19 No No No No F 0FoF6Fo 0030 F 1-40OF771 F 698F 139F 1261 1365 119 F 471 164 F 428 9 33 F 698 F 1261 287 F 708 6630.05 0630.06 972 2147 418 F2147 16 No f 42 F No 287 521 F 768 F 1011 6630.07 F 2501 F1787I , NO F7 No F 23 FNO 24 No F 1552 F 796F F 101 F 89F F 633F 89 F 1433 F 1352 159 20 F 34 F 544 1468 F 101 F 633 F 1373 6630.08 F 216F 0630,09 F 756 0630.10 F 3329FI558F 181 F 712 6631.01 F 1244 0631.02 F 2635 0631.03 1105 6632,01 1610 6632.02 1516 F 7-16 F2232 949 1210 1267 25 No 378 F 793 F 25 No F 1035 F 1447F 27 No 623 439 27 No 559 971 31 No 656 798 73 153F 43F 80 62 378 1000 623 559 656 6633.00 F3199 0634.00 F2302F 2628 1824 32 No F 32 No 1192 8867 F1387F 774F 140 141F 1172 1346 0635.00 F 3398 0636.01 F 1486FI269F F3187F 28 25 No No F 955 F 8847 F 1908 516F F 535F 86 867 F 869 0636.02 0636.03 0637.00 0638.02 0638.03 F 2694 F 2943F 3746 1069 F 1632 1611 1897 1841 1061 F1458F F 21 F 17 22 F-27FN—oF-768F-2731 24F FNo No No No F 734F F 1552 541 F 980 1830 F 1179 F 2976 F 602 F 130 F 212 229 281 F 50 f 26 F 712 F 1149 541 768 F 943 F 777 0638,05 F 912 F 906 F 23 FNo F 781 F 105 0638,06 F 1425 F1417 F 26 F No F 903 F 481 F 41 F 901 Get Previous 100 Records Get Next 100 Records Maintained by FFIEC 3 of4 5113/00 10:57 AM httpJ/www.ffiec.gov/cgi•bin/PBISA60.DLL...059+.+ORANGE &as-nacr—&as stamox-100 Last Updated: 11/01/1999 • • 0 4 of4 5/13/00 10:57 AM http://www.friec.gov/cgi-bin/PBISA60.DLL...059+•+ORANGE &as_tract=&as_startrow=200 1999 FFIEC Census Report - Housing Information . State: 06 - California (CA) County: 059 - ORANGE • Note: Records 201 through 300 of 484 Get Previous 100 Records Get Next 100 Records Tract Code Total Housing Units 1- to 4• Family Units Median age of Housing Stock (in years) Inside Central City? Owner Occupied Units Renter Occupied Units 0638.07 F 1929 F 449 F 13 FNo F 313 F 15221 0638.08 F 1546 F1122 F 25 F No F 433 F 10441 0639.02 2702 1054 18 No 589 F 19501 0639.03 F 1159 F1141 F 24 FNo F 796 F 343� 0639.04 1323 1248 24 No F 749F 531[ 0639.05 1888 1156 27 No 881 804[ 0639.06 2293 1008 18 No 588 1571 0639.07 2461 1195 No 991 1254 0639.08 F 2551 1022 F 12F No F 718 F 1650� 0740.03 448 425 21 Yes 162 275 0740.04 F2287 F 1761 F 16 FYes 1167F 1042[ 0740.05 F1538FI296F 21 F Yes F 787 F 687� F0740-06F-1996F 417F 16 FYes F 748 F 1004� 0741.01 1489 1474 32 Yes 955 520[ 0741.02 1385 1133 23 Yes 999 353[ 6741.03 F1007F987F 34F Yes F 707 F 249 0741.04 F 2236 F2019 F 18 F Yes F 1860 376[ 7741.06 F1946FI294F 15 Yes F 778F 1057 [ 0741.07 F 2368 F 6ar 12 FYes F 651 F 1477 0742.00 1731 1598 36 Yes 1062 F 628 r 0743.00 F 768 F 762 F 34 FYes F 473 7 272 F 0744.03 1306 359 23 Yes 269 985 0744.04 F 3439F 958F 22 F Yes F 704 F 2524I 0744.05 F 1460 F 508 F 14 Yes F 174F 1228 r 6744.66 1039 466 24 Yes 231 760 r 6745.01 1433 F 534 25 Yes F 305 1687r 07 55.02 1028 F 999 7 27 Yes 595 7 420I 0746.01 F168OF148OF 45 F Yes F 736 F 915 r Owner Vacant Occupied Units 1- to 4- Family Units 94 F 313 69 F 428 163F 589 20 F 796 43F 749 203 881 134 497 216F 976 183F 656 11 662 78 F1150 64 780 338 265 14 955 33 F 866 51 707 0 1768 111 667 -T46F 329 41 F 1062 23F 473 52 F 256 211 118 58 123 48F 231 41 278 13 F 595 29 736 I of 4 511310010:59 AM http://www.ffiec.gov/cgi-birt/PBISA60.DLL...059+-*ORANGE &as_tracL &as_stanrow=200 10746.02 1 17831 12941 35 07 77.0 3380 1137 31 0747.02 F 1-092 F 868 7 34 0748.01 998 F932 F 32 0748.02 1112 996 20 0748.03 1791 1 880 24 0748.05 1118 F 513 23 77 88.0 F 112 F 534 27 0749.01 F 1871 F 1 446 15 074902 F 1199 F 724 21 0750.01 3110 F 551 0750.02 F 2131 F 512 13 0751.00 • 2052 1167 35 07 22.01 F 1133 1000 27 0 552.02 1226 1018 34 0 553,01 1813 1171 25 0753.02 F 1123 889 32 0753.03 F 1-207F1001 38I 0754.01 F 1-216FI-21-6 351 0754.03 2565 F,501 181 7754. 4 F 1156 1285 171 0754.05 990 337 251 0755.04 F 1709 1351 221 0755.05 F 1490 1048 261 0755.06 F 11-87FIO-601 251 0755.07 F 1 994F 9-181 20 0755.08 F 2 551 F14-091 211 0755.09 3220 14-461 211 0756.02 1319 13-191 25 0756.03 F 1412 F 12671 281 0756.04 F 2548 25-481 131 0756.05 F 1670 16701 5[ 0757.01 F 2245 1796 25 0757.02 F 1 881 1081 30 [ 0757.03 1331 f 1331 29 0758.02 F 1920 1916 12[ 0758.04 F 2274 2006 24 0758.05 1382 I l31 31 [ Yes 1 730I 9981 551 676 Yes 786 578 16 881 Yes F 624F 440 F 28 F 624 Yes 526 452 20 526 Yes F 674 F 376F 62 F 674 Yes F 1355 F 387 F 49 F 1355 Yes F 353 F 747F 18 F 337 Yes F 388F 510 14 385 Yes F 525F 1289 F 57F 500 Yes F 330 F 843 F 26 F 330 Yes 7 132 F2794 7184 F 92 Yes 7 318 F 1555F 258 F 138 Ves-F 765FI211F 767 717 Yes F 616F 495 F 22 F 591 Yes F 665F 537F 247 659 Yes 717 963 133 706, Yes F 644F 378FoF 644 Yes F 857 F 296F 54 F 805 Yes F 993 F 190 F 33 F 993 Yes F 1192 F 1141F 232F 987 Yes F 1036F 994F 1321 1030 Yes F 564F 386 F 40 F 564 Yes F1064F 560 85 983 Yes F 559 850 81 545 No 824 335 28 794 No F 438 F 1435F 121 F 372 No 975 1657 119F 871 Yes 411 2575 234 404 No F 1241F 42 r 36F 1241 No 1059 329 24 F 1059 No 2370 108 70 2370 No F 1567F 0 F 103 F1567 Yes 1259 915 71 1253 No F 964F 92 F 25 7 964 No F 1261 F 59 F I IF 1261 Yes F 1646 7 148 F 126 71646 No 1202 F 993F 79 F 1179 NoF 682 F 659 F 41 F 675 2 or4 5/13/00 10:59 AM http://www.Mcc.gowcgi•bin[PBISA60.DLL...059+•-ORANGE &as_tract-&as_s1amOw=200 • L� 10758.06 I 18241 16001 261 Yes 1 8751 8841 651 864 0758.07 F 1255 F1094F 24 No F 961F 333F 21 F 90l 6758.08 F 1174 1166 F 27 No F 1045 F 126 F 9F 1045' 0758.09 F 1041 F 1041F 18 F No F 989F 35F 22 989 0758.10 f 1029FI029F 7758.11 F 741F 716 18 F No F 937F F 25 No F 432 25 No F 1093 43 No 579 55 F 37F 937 F 286F 29 F 432 F 808 F 561 1093 1071 58 F 559 0758.12 F 1957FI4237 0759.01 1708 1404 7759.02 2807 1838 25 Yes 698 F 1151 2017 F 1513F 92 127F F 628 909 0760.00 F2801 F1856F 22 Yes 0761.01 F 1582F 1295 F 29 F Yes F 969 F 571 F 42 F 969 0761.02 F 1747 F 763F 15 Yes F 366F 1260 F 121F 366 0761.03 F25965676F 24 FYes F 916F 1494F 186 F 916 6762.01 F 1869 1592 21 Yes r 1331 497 r 41F 1313 0762.02 864 799 22 Yes 479 371 14 472 0762.04 900 546 23 No 193 673 34 193 0762.05 F 1658 1392 29 No F 1016 610 32 1004 0762.06 F 1607 F1496 F 28 No f 1151F 409F 47F 1131 0762.07 291 291 r 8 No 265 26 265 0762.97 F 1689FI415F 23 No F1152F 497F OF 1152 0762.98 1129 964 22 No 644 427 F 58F 637 0863.01 F 1801 F 1483 F 33 FYes F 1190 F 558 F 53 F 1190 0863.03 F 1865F1408F 17 Yes F 1619F 769 F 77F 1002 0863.04 F 1731 F 827 F 23 Yes F 685F 915F 136F 680 0863.05 F 1144 f 1144 F 24 Yes F 102OF 106 F 18 F 1020 6863.06 1349 F 811 F 21 FYes F 634 F 683 F 32F 634 0864.02 1417 1205 30 Yes 935 456 26 935 6864.04 F1506 F1073 F 28 FYes F 841 F 599 F 66 F 841 0864.05 F 1630 F 871 25 Yes 594 929 107 589 8864.06 F 1483 F 730 F 24 F Yes 16 Yes F 562 F 833 F 88 F 562 0864.07 F 2065F1156F F 967 F 1046F 52 F 967 0865.01 F 1184F,145F 40 FYes F 477 F 654 F 53 F 477 0865.02 1353 964 29 Yes 464 849 40 464 0866.01 F 2272FI647F 28 FYes F 6317 1337 F 304 F 631 0 Get Previous 100 Records Get Next Maintained by FF/EC 3 of 4 http://www.ftiec.gov/cgi-birv?BISA60.DLL...059+-+ORANGE &as_tracr—&aS—S=Vow=?00 Last Updated: 11/01/1999 • • 4 of 4 5/13/00 10:59 AM http://www.Mcc.gov/cgi-bit✓PBISA60.DLL...059--+ORANVGE &az tracr—&az_smmo�-300 1999 FFIEC Census Report - Housing Information • State: 06 - California (CA) County: 059 - ORANGE Note: Records 301 through 400 of 484 Get Previous 100 Records Get Next 84 Records 0 Median Tract Code Total Housing 1- to 4 Famly Units age of Housing Stock Inside CentralOccupied Cty?UnitsUnits Owner Renter Occuped Vacant UnitsUnits Fccuplo_ 8866.02 1677' 823 (in years) 31 Yes 527 1025 125 527 0867.01 F2458F221OF 24 Yes F 1574 F 811 F 73F 1574 0867.02 F 2151 F 968 7 26 Yes FYes F 707F F 791 1336 F 183 F 168 F 21 F 501 F 784 08 88.01 F 995F 986F 31 0868.02 F14835049 F 31 F Yes f 691 761 F 31 F 691 8868.03 2537 1250 18 Yes 959 1444 134 945 0869.01 F 2602F 856F 23 FYes F 438F 1925 F 239F 405 0869.02 F1524FI149F 22 Yes F 868 F 585F 76F 862 0869.03 F 2090 F1039F 26 Yes F 631 F 1243F 216F 631 0870.01 F1493F 780 F 23 Yes F 642 F 726F 125F 642 0870.02 F2177FI086F 24 Yes F 886F 1212F 79F 876 0871.01 F 1595 F 404 F 22 Yes I 336F 959 F 306F 330 0871.02 1635 724 16 Yes 333 1205 97 333 6871.03 F 2-159 1655 31 F Yes F 1345 778 36 F 1345 0871.04 2735 1644 30 Yes 1196 1396 143 1196 0872.00 2544 1506 26 Yes F Yes 973 F 247 1426 F 1664 145 F 136 869 F 247 0873.00 F 204IF1127F 20 0874.01 867 838 39 Yes 544 294 29 537 0874.02 F 2301 1555 F 29 F Yes F 585 F 1518 F 198 F 569 0874.03 F 988 F 653 F 26 F Yes F 439F 462F 87F 439 6875.01 1503 874 22 Yes 576 872 55 563 0875.03 F 2040 1191 F 25 F Yes Yes F 668 F 540 F 1234 1342 F 138 112 F 654 534 6875.04 1994 1095 22 8876.01 F1473F 634F 25 F Yes F 508 F 872 F 93 F 503 0876.02 2146 1607 25 Yes 1294 793 59 1286 0877.01 F 1549 1173 32 F Yes 849 641 59 F 849 0877.03 F1394FlsoF 32 FYes F 934 F 443 F 17 F 934 0877.04 F1396F,139F 27 FYes F 1035F 330 F 31 F 980 1 of 4 5/13/00 11:00 AM httpJ/www.t£ec.govlcgi-bin/PBISA60.DLL...059--+ORANGE &as_t=r-&az startroa=300 • 10878.01 I 15321 11571 251 Yes 1 9531 5061 731 895 0878.02 F2183F1586 F 17 FYes F 1200 F 918F 65 F 1195 0878.03 F 1400F 606F 22 FYes F 285 F 1002 F 113 F 279' 0878.05 F 1850 F1205F 25 F Yes F 736 F 978F 136 F 736 0878.06 1543 770 26 Yes 494 968 81 473 0879.01 639 488 24 No 384 238 17 384 0879.02 F 1351 1659 32 No 741 560 50 1 741 0880.01 F 1251 1134 F 33 FNo F 9061 319F 261 906 0880.02 1115 922 33 No 796 297 22 796 0881.01 F 694 665 17 No 447 229 18 426 0881.04 F 17ooF 756F 17 FNo F 668 F 993 F 39 F 559 0881.05 F 956 F 921F 31 No F 763F 172F 21F 752 0881.06 1698FI206F 18 No F 981F 651 F 66 F 949 0881.07 F1568FI342F 29 No F 719F 788F 61 F 679 0882.01 F109OF 816F 34 No F 707 F 354 F 29F 707 0882.02 F 802 795 f 33 No F 691 F lolF 16F 684 0882.03 F 1585 Fl041 F 29 No F 758F 766F 61F 747 0883.01 F17315359 F 30F No F 1154f 543 F 34 F1149. 0883.02 1611 1333 31 Fyes F 1098 F 439 74 1092 0884.01 F 1307F 1307 34 No F 1094 F 199 F 141 1094 0884.02 F1583F 814F 27 Yes F 643F 823r 117F 643 0884.03 F1603FI432F 25 F Yes F 951 F 604 r 48F 924 0885.01 F 178OF1217F 27F No F 923 F 801 F 56 F 923 8885.02 F13665117F 30 No F 715F 606F 39 F 695 0886.01 F 1924 F1156 F 18 No F 886F 978 F 66 F 653 8886.02 1395 939 28 No 685F 668 F 42 624 0887.01 F 1750 F 864 F 30 F No F 584 F 1071 F 95 F 522 0887.02 F 1459FI2541 33 No F 758F 639F 62F 725 0888.01 F25175232F 18 FNo F 824F 1587F 106F 720 0888.02 1384 1031 22 No 728 620 36 713 0889.01 1729 1463 19 No 1077 601 51 1061 435 24 0889.02 1209 1123 29 No 750 733 0889.03 1905 1599 26 Yes 1086 791 28 1070 0889.04 1388 1388 22 No 1036 327 25 1036 0889.05 1317 1273 26 No 923 360 34 923 0890.01 1644 1550 18 Yes 1096 495 53 1053 0890.02 2534 1791 14 Yes 1366 1 554 114 1284 0891.01 2221 1890 27 Yes 1400 772 49 F 1400 2 of 4 5/13/00 11:00 AM http://wlvw.fflec.gov/cgi•bin/PBISA60.DLL...059+*ORANGE &as_tract=&assmrirow=300 • 10891.02 1 15691 14211 211 Yes 1 11131 4091 471 1107 0891.04 F 1410F 59OF 20 FYes F 452F 885F 73 452 0891. 5 F1101 857 20 Yes 297 781 23 297 0992.01 2883 2242 14 Yes F 1415 1330 338 1402 0992.02 F 1897 1 111 24 Yes I 1260 568 69 F 1252 0992.03 F 1558FI408r 23 FYes F 1093F 436F 29 1067 6992.04 F 13975194F 18F No F 898 F 446 F 53 F 898 0992.12 F17355262F 20r No F 659 F 973F 103 F 630 0992.14 F 1438FI32OF 22 No F 106OF 321F 57 1060 9992.15 F 1847 1721 r 24 FNo F 1251 F 532 F 64 F1203 0992.16 F 1485 F 1397F 24 FNo F 1053 F 375 F 57 F 1034 0992.17 901 F 773 F 23 FNo F 775 F 106 F 20 F 715 0992.20 F2369 F 1715 F 18 No F 1201 F 842 F 266 F 1193 0992.22 F 1504 F13-05F 21 ' No F 1109F 354F 41F 1109 0992.23 F 1756F 1089 F 18 FNo F 932 F 741 F 83F 932 0992.24 F 1066F 947F 21 FNo F 848F 198F 14 F 848 0992.25 1042 1042 21 No 955 87 0 955 0992.26 1142 1142 17 No 1032 92 18 1032 0992.27 F 1977FI487F 15 Yes F 1175F 735F 67F 1134 0992.28 3192 1526 17 No 1093 1846 253 1085 0992.29 F 2037FI505F 16 FNo 1268F 654 115 1121 0992.30 F 1542 I511 F 19 No F 1251 F 261 F 30 r 1224 0992.31 1731 1731 17 No 1580 124 27 1580 0992.32 1969 1963 20 No 1725 175 F 69 F 1725 0992.33 F 1052 1024 F 23 No F 827F 203 F 22F F0F 827 794 9992.34 883 883 24 No 794 F 89 6992.35 F1864FI621F 17 FNo F 9217 877F 66 F 913 0992.37 F 12665254F 23 FNo F 1006 F 223 F 31 F 1265F 101 F 30 F 1000 F1265 0992.38 F -1396F1396F 16 f No 0992.39 F 1380 F137o F 23 No F 1117F 136F 127F 1117 0992.40 2177 1354 19 No 1173 894 110 1156 0992.41 F 1630 F 787 F 17 No F 607F 993F 30 F 607 0992.42 F 1108 F 923 F 25 FNo 7 690 F 391 F 27 F 690 9992.43 F172IF1273F 13 FNo 7 1153 F 490 F 78 F 1083 • Get Previous 100 Records Get Next 84 Records Maintained by FFIE 3 of4 5113100 11:00 AM http://wvw.Mcc.gov/cgi-biri(PBISA60.DLL ... 059+-+ORANGE &as tract=&az smnrow=300 Last Updated: 11/01/1999 • 4 of 5/13/00 11:00 AM http://www.Mec.govlcgi-bin/PBISA60.DLL...059— ORANGE &as T=r-8as_startrow=400 1999 FFIEC Census Report - Housing Information • State: 06 - California (CA) County: 059 - ORANGE Note: Records 401 through 484 of 484 Get Previous 100 Records dian Owner [Tract Code otal [Housing 1- to 4e Familysng Unitsock of Fu Inside Central City? Owner Occupied Units Renter Occupied Units Vacant U°1� Occupied 1- to lynits Family years) 1594 320F 64 Units F 1314 0992.44 1978 1598 14 No 0992.45 1101 1069 17 No 919 159 23 919 0992.46 F 1263 1263 F 17 FNo F 1084 r 162F 17F 553 116F F 156 1084 F 820 602 7822 0993.02 F 3910 F2434F 17 FNo F 873F 2484 F 659 F 2075F 0993.05 2856F 1987 F 14 F No 0993.06 F 2697 72183F 17 F No F 875 71666 0993.07 F 1487 F 1231 F 12 No F 943 . 407 F 137 F 826 F 26F 89 F 943 F 826 9993.08 F 935F 935 F4 FNo 6993.09 F1652FI426F 14 No F11747401F 77 F 436F 1544F 85 1046 F 426 0994.02 F2065 F1682 F 17 No 0994.04 F 1765 F15loF 22 FNo F 1126F 579F 60r 1126 0994.05 F 1706 F1210 21 F No F 1002 F 592 F 112 F 1002 9994.06 F 1719 F 1222F 23F No F I 108F 538F 73F 1108 0994.07 r 957F845F 23 No F 6367291F 30 F 636 6994.08 1330 1195 23 No 863 424 43 F 859 F 447F 1066F 72F 447 F 443F-1-565F 141 F 418 0994.10 F 1585 r 902 F 22 No 0994.1 F 2689 1360 17 No 0994.12 1924 1199 18 No 1042 794 88 949 F 684 F 1356 F 130 F 567 F 1552F 249' 25F 1552 0994.13 F21765014F 11 No 0994.15 F1826FI74OF 17 FNo 0994.16 2225 1451 13 No 512 1584 129 342 0994.17 F 1-837F1130 12 No F 9-06 F 835 F 96 F 701 0995.02 F 223 F 135 F-5 No F 0 223 F—o F 0 0995.04 r 974 974 F 31 FNo F 873F 78 F 23F 873 0995.05 F 3800 2489 F 28 No 24 No F 1030 273 F 2327F 443F 1013 397 F 147 F 273 0995.06 817 817 0995.07 F 3680 F 3225 F 17 r No F 2948 F 485 F 247F 2662 0995.08 F2193 F1435 F 21 FNo F 1103F 954 F 136 F 1090 1 or3 5!13/00 11:01 AM http://www.Mcc.gov/cgi•bin/PBISA60.DLL...059+•�ORANGE &az trnrn8as-smmo =f00 10995.09 I 29651 6141 251 No 1 26471 1191 1991 582 0995.10 3688 339 25 No 3298 142 248 586 0996.01 1 110 1508 26 No 816 1012 82 F 778 0996.02 F 1066 868 26 No F 650 393 23 650 0996.03 F 2249 2137 19 No 2219 25 No f 1711 486 957 235 52 1711 27 957 0996.04 f 1219 0996.05 1264 1175 24 No 1004 F 228 F 32 F 1004 0997.01 1538 ' 1410 28 No 753 728 57 753 0 997.02 r 2284 1922 F 22F No F 1487F 719 F 78F 1465 0997.03 1669 1351 18 FNo No 1190 417 F 549 F 701 62 1190 F 31 F 549 0998.01 F12815005F 27 0998.02 F 1491 F 1008F 19F No 7446 F 996 F 49 F 446 9998.03 13385611F 24 FNo F 826 F 492 20 826 0999.02 F 1192 1054 31 FNo F 7-87 392 13 774 0999.03 F148OF1058F 31 F No F 723 F 715 F 42F 723 0999.04 F 19235202F 23 FNo F 626F 1237 F 60 F 626 0999.05 1326 1098 22 No 956 274F 96 F 956 0999.06 F 1618 F1618F 25 FNc, F 1412F 186F 20 F 1412 I100.01 F15235499 F 27 FNo F 1094F 402F 27 F1078 Fl 1 -66-03F 962F 962F 28 No F 835 F 114F 13F 835 1100,04 F 1685FI6367 24 No F 1483F 177 F 25 1450 1100.05 F 1132F 1125F 24 FNo F 986 F 133F 13 F 979 1100.06 F 1120 F 975 F 31 FNo F 887 F 207 F 26F 887 1100,07 F 1693 1671 F 31 FNo F 1541 F 116 F 36F 1541 1100.08 F1717F1376 F 27 FNo F 1401 F 248 F 68F 1207 1100.10 F 1460 F 1460 F 22 F No F 1244 F 193 r 23F 1244 1100.11 F11085096 F 15 No F 959F 128 F 21 F 947 1100.12 F 1761 1761 22 No F 1642F 96 F 23F 1642 1100.13 F3278F2473 F 23 No F 1260 F 1887F 131F 1193 1101.02 1857 1622 2OF No F 1387F 393F 77F 1368 11 11.04 F1779 F1348F 22F No 1228 F 24F No F 1024F F 982F 664F 242F 91 1014 30 F 975 1101.06 f 1254 1101.08 971 826 21 No 502 444 25 497 1101.09 1724 1089 17 No 967 703 54 923 1101.10 1708 1277 25 No 759 885 64 759 I001,11 F 1732F-1636F 22F No F 1236F i4oF 56 F 1206 1101.12 2218 1497 20 No 1368 F 795 F 55 F 1303 1101.13 F 624F 624 21 FNo F 534 F 84 F 6F 534 2 of 3 5/13/00 11:01 AM http://w.ffiec.gov/cgi-bim?BISA60.DLL...059+-*ORANGE &as_t=r--&as_startrow 400 11101.14 1 15191 15191 251 No 1 12291 2611 29I 1229 944 F 969 1317 464 779 1390 1119 1016 1161.15 F 1-144 1009 F 21 FNo F 944F 191 F 9F 18 FNo F 969 F 326 F 29 28 FYes F 1317 F 885F 118F 21 Yes 464 1550 227 25 Yes 1080 577 40 25 No F 1408 838 551 29 No F 1119r 529 F 68F 32 FNo 1022F 49OF 39F 1101.16 F 1-324 F1083F 1102.01 F232OF1662F 1102.02 2241 908 1102.03 r 1697 1364 1103.01 1 003.02 1103.03 2301 F 1716 F155IF1267F 1679 F1588F 1103.04 F1394FI349 F 32 FNo F 1135F 229F 30 1130. 1104.01 F 1420 1233 33 F Yes 1035 F 347F 38 F 1035 1104.02 Fl305 Fl092 F 30 Yes F 688 F 589F 28 F 688 1105.00 2521 1168 23 No 653 1720 148 643 1106.01 1106.03 F2269 F 2499 F1236 F 981 F 18 No F 16 No F 647 F 438F r 1464 158 1867F 194 F 641 F 429 1106.04 F 2272 F 2041 1106.05 F 2293 F2039 F 20 No F 14 No F 1787F F 1548F 419 F 66F 697F 48 1725 F 1528 0 1107.98 FoFoF 0 No FoFoFoF • Get Previous 100 Records Maintained by FFIE Last Updated: 11/01/1999 • 3 of 3 5113/00 11:01 AM TECHNICAL APPENDIX N 40 Orange County HMDA Data by Race and Type of Loan to 0 Technical Appendix N Orange County HMDA Data by Race and Type of Loan Table 1: Conventional Loans by Race, Gender and Income, 1999 Table 2: FHA/VA Loans by Race, Gender and Income, 1999 Table 3: Refinance Loans by Race, Gender and Income, 1999 Table 4: Home Improvement Loans by Race, Gender and Income, 1999 Table 5: Denial Rates by Sex, National Origin & Race, Home Improvement Loans Table 6: Denial Rates by Sex, National Origin & Race, Refinance Loans • Table 7: Denial Rates by Sex, National Origin & Race, FHA, FMA & VA Loans Table 8: Denial Rates by Sex, National Origin & Race, Conventional Loans Table 9: Comparison of Loan Denial Rates by Income and Race 1999 FFIEC HMDA AGGREGATE REPORTS Page 1 of 2 0 AGGREGATE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME - PURCHASE LOANS, 1 to 4 FAMILY HOMES, BY RACE, GENDER AND INCOME OF APPLICANT, 1999 MSA:5945 ORANGE COUNTY, CA Number of Loans pp s. Race, Gender&Income�L Received O914 WAitphpdsr.awn ICnlcoosmed aleste p AMEIUCAN IND/ALASKAN NATIVE 50 IF 40 =F (TOTAL) MALE IF20 FEMALE JOINT (MALE/FEMALE)! ASIAN/PACIFIC ISLANDER (TOTAL) 549 408 27 59 46 MALE 551 l i l 11 13 l2 L—J FEMALE IF-1-691 83 F4 I l l0 JOINT 'MALE/FEMALE)! 289 214 l2 35 24 BLACK (TOTAL) 236 168 17 32 15 MALE 74 51 ] 11 FEMALE 63 41 � l2 JOINT (MALE/FEMALE) 98 75 � 'J=�I�J HISPANIC (TOTAL) 4537 3222 188 600 420 107 MALE IF 1522 1044 58 218 154 48 FEMALE IF 535 369 20 75 58 l3 JOINT(MALE/FEMALE)= 2463 1796 110 306 207 44 WHITE (TOTAL) =F 4795 3645 179 467 413 91 MALE 14071 1016 57 155 139 34 FEMALE 1180 883 58 115 105 19 JOINT (MALE/FEMALE)! 2198 1733 63 197 168 37 OTHER (TOTAL) F 185 139 F7 26 11 MALE 53 41 ==F FEMALE 39 JOINT (MALE/FEMALE)! 88 63 F---41 14 JOINT(WHITE/MINORITY)=(TOTAL) 7F 4791= 369 F 10 57 33 10 MALE 40 21 12 � 1 FEMALE JOINT (MALE/FEMALE)! 422 334 10 43 28 RACE NOT AVAILABLE (TOTAL) 704 407 26 90 160 21 .../of agg2able4_n?asyear=1999&as_msa=5945 -- ORANGE COUNTY, CA &as_table=4&as8/14/00 FFIEC HMDA AGGREGATE REPORTS Page 2 of 2 MALE 98 56 F- 10 29 FEMALE IF 65 42 F 2]11 JOINT (MALE/FEMALE) 159 89 F 15] 44 INCOME OF APPLICANTS s LESS THAN 50% OF MSA MEDIAN 1366 918 49 205 162 32 50-79% OF MSA MEDIAN 4373 3190 184 517 372 110 80-99% OF MSA MEDIAN 2777 2082 l07 F 312 223 53 100-119% OF MSA MEDIAN 1321 1040 43 125 97 16 120% OR MORE OF MSA MEDIAN 1353 1014 52 131 132 24 INCOME NOT AVAILABLE 345 154 19 47 I ]3 12 .../of agg table4_n?asyeat=1999&as_msa=5945 -- ORANGE COUNTY, CA &as table=4&as8/14/00 FFIEC HMDA AGGREGATE REPORTS Page 1 of 2 AGGREGATE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME -PURCHASE • LOANS, 1 to 4 FAMILY HOMES, BY RACE, GENDER AND INCOME OF APPLICANT, 1999 • 0 MSA:5945 ORANGE COUNTY, CA Number of Loans Race, Gender & Income Apps.ak Received4`3 L Originate AMERICAN IND/ALASKAN NATIVE (TOTAL) 384 218 28 F 59 66 13 MALE IF-165 106 F_ 5] 24 25 F FEMALE 82 39 I I 17 13 JOINT (MALE/FEMALE) 7 134 72 12 17 28 ASIAN/PACIFIC ISLANDER (TOTAL) 9375 5962 840 1083 1156 334 MALE 2379 1426 225 304 329 95 FEMALE IF 1866 1231 150 F 213 211 61 JOINT �MALE/FEMALE) 7 5103 3296 46l F 562 608 176 BLACK (TOTAL) 7 11 376 58 160 109 18 MALE 235 120 17 57 36 FEMALE 186 91 18 47 27 JOINT (MALE/FEMALE)7 F 298 163 23 56 46 10 HISPANIC (TOTAL) F 59070 3181 459 F 14675 619 176 MALE 1753 853 140 507 196 57 FEMALE 9 33 542 74 238 110 29 JOINT (MALE/FEMALE) 7 3127 1773 244 711 310 89 WHITE (TOTAL) 44526 29750 3536 5841 4183 1216 MALE 10625 6668 885 F 164I 1090 341 FEMALE 7952 5381 614 1086 683 188 JOINT (MALE/FEMALE) 7 25822 17640 2030 3088 2382 682 OTHER (TOTAL) 1436 803 124 255 206 48 MALE 367 201 43 70 45 FEMALE F 241 141 I8 52 21 JOINT (MALE/FEMALE) y 704 409 61 104 101 29 JOINT(WHITE!MINORITY)'(TOTAL) 2520 1719 182 314 227 78 MALE F 65 33 F 20 FEMALE 42 25 F 1 JOINT (MALE/FEMALE).? 2399 1655 177 284 209 74 RACE NOT AVAILABLE (TOTAL) a 11312 5617 131 I F 2314 1694 376 .../of agg2able4_n?asyeat=1999&as_msa=5945 -- ORANGE COUNTY, CA &as_table=4&as.8/14/00 FFIEC HMDA AGGREGATE REPORTS Page 2 of 2 Pi MALE IF 1284 593 105 F 263 265 58 FEMALE r 806 418 78 134 138 38 JOINT (MALE/FEMALE)-2 3106 I708 286 437 557 118 INCOME OF APPLICANTS LESS THAN 50% OF MSA MEDIAN F 3754 1695 322 1236 410 91 50-79%OF MSA MEDIAN 10890 6265 988 , 2365 ]008 264 80.99%OF MSA MEDIAN 8944 5691 742 14073 868 240 100-119% OF MSA MEDIAN 861 I 5618 740 F 1164 837 252 120% OR MORE OF MSA MEDIAN 39835 26357 3550 4731 3949 1248 INCOME NOT AVAILABLE 4140 2000 196 592 ] 188 164 .../of agg_table4_n?asyeal=1999&as_msa=5945 --ORANGE COUNTY, CA &as_table=4&as 8/14/00 FFIEC HMDA AGGREGATE REPORTS Page 1 of 2 AGGREGATE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON • 1 to 4 FAMILY HOMES, BY RACE, GENDER AND INCOME OF APPLICANT, 1999 MSA:5945 ORANGE COUNTY, CA Number of Loans • • Apps.APPs• Race, Gender & Income I� Received 1J Loans Originated Approved But Not Apps. Denied Apps. Withdrawn Closed as Incomplete Accepted AMERICAN IND/ALASKAN NATIVE (TOTAL) 384 175 45 54 70 40 MALE 125 44 14 20 29 18 FEMALE 85 38 17 12 I2 JOINT (MALE/FEMALE) 7 171 91 13 22 29 16 ASIAN/PACIFIC ISLANDER(TOTAL) 9053 5012 1021 1390 1160 470 MALE F 1880 954 194 3 88 280 114 FEMALE 1628 867 178 277 216 90 JOINT (MALE/FEMALE) Z 5523 3184 647 768 660 264 BLACK(TOTAL) 10 88 494 ]00 272 l46 86 MALE 266 105 21 75 46 19 FEMALE 295 124 29 81 40 21 JOINT (MALE/FEMALE) 535 263 50 F 116 60 46 HISPANIC (TOTAL) 10049 4780 1036 2138 1324 771 MALE 2314 981 233 529 357 214 FEMALE 1425 692 130 296 209 98 JOINT (MALE/FEMALE)? 6281 3093 670 13 77 756 455 WHITE (TOTAL) 57699 35212 5833 8412 5565 2677 MALE 12229 6589 1352 21757 1407 724 FEMALE 9984 5980 974 1537 ]012 481 JOINT (MALE/FEMALE) 3,5426 22604�F 3503 4707 3143 1469 OTHER (TOTAL) 2177 1044 241 415 376 101 MALE 456 202 45 F I10 71 28 FEMALE F 309 148 31 68 47 IS JOINT (MALE/FEMALE) l 1251 664 159 F 188 186 54 JOINT (WHITE/MINORITY) *(TOTAL) 2903 1844 276 365 303 115 MALE 56 29 F 76 FEMALE 42 29 ]= JOINT(MALE/FEMALE)! 2797 1782 266 349 291 109 RACE NOT AVAILABLE (TOTAL)s 25968 10120 3068 7124 4586 I070 MALE 2440 953 262 674 465 86 .../of agg_table4_n?asyear=1999&as_msa=5945 -- ORANGE COUNTY, CA &as_table=4&as8/14/00 FFIEC HMDA AGGREGATE REPORTS Page 2 of 2 0 FEMALE JOINT (MALE/FEMALE) 1623 706 19l 396 279 51 6295 3077 700 =Ej2 949 207 INCOME OF APPLICANTS-9 LESS THAN 50% OF MSA MEDIAN 7257 3106 640 F 1957 1025 529 50-79% OF MSA MEDIAN 17794 8860 1731 3879 2313 1011 80-99% OF MSA MEDIAN 13569 7114 1404 2728 1694 629 100-119%OF MSA MEDIAN 12149 6662 1334 2233 1349 571 120% OR MORE OF MSA MEDIAN 47.183 27811 51 66 =jj6 4699 1981 INCOME NOT AVAILABLE a 11379 5128 1345 1847 2450 609 .../of agg_table4_n?z FFIEC HMDA AGGREGATE REPORTS Page I of 2 AGGREGATE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS • 1 to 4 FAMILY HOMES, BY RACE, GENDER AND INCOME OF APPLICANT, 1999 1] • MSA:5945 ORANGE COUNTY, CA Number of Loans Race, Gender & Income � Rceived1J Apps.914 rgnae Incomplete AMERICAN IND/ALASKAN NATIVE (TOTAL) 57 3278 I2 MALE IF 25 IS ]=�� FEMALE JOINT (MALE/FEMALE)) 20 ASIAN/PACIFIC ISLANDER (TOTAL) 838 504 68 216 36 14 MALE IF-249 146 20 68 12 FEMALE 17l 106 F---5] 57 JOINT (MALE/FEMALE) 413 249 43 F 89 22 10 BLACK (TOTAL) , 14=]]O=F 32 MALE F 34 FEMALE 26 I8 =��� JOINT (MALE/FEMALE)-7 53 33 F---41 14 HISPANIC (TOTAL) 1210 734 107 317 43 MALE 458 320 28 F 93 13 FEMALE F 283 200 12 64 JOINT (MALE/FEMALE) 7 443 l97 67 152 24 WHITE (TOTAL) 4336 2855 538 F 715 198 30 MALE IF 1013 630 120 201 5571 FEMALE F 738 465 92 140 36 JOINT (MALE/FEMALE) 7 2573 1749 326 374 106 18 OTHER (TOTAL) IF 162 78 29 43 MALE 57 28 �IS FEMALE 32 12I r 6 11 JOINT (MALE/FEMALE) 72 37 14 = JOINT (WHITE/MINORITY) -(TOTAL) 304 229 24 39 MALE 1=����� FEMALE 74 JOINT (MALE/FEMALE)2 295 222 24 38 RACE NOT AVAILABLE (TOTAL)k F 48170 1334 1096 1939 341 100 MALE 324 145 35 120 21 .../of agg_table4_n?asye; FFIEC HMDA AGGREGATE REPORTS Page 2 of 2 0 FEMALE 226 119 17 76 13 JOINT (MALE/FEMALE) 443 126 75 191 43 INCOME OF APPLICANTS-? LESS THAN 50% OF MSA MEDIAN 988 402 89 F 415 66 16 50-79% OF MSA MEDIAN 1929 722 307 F 756 122 22 80.99% OF MSA MEDIAN 15 66 679 307 508 82 20 100-119%OF MSA MEDIAN 1436 653 294 393 79 17 120% OR MORE OF MSA MEDIAN 4994 2796 812 1087 231 68 INCOME NOT AVAILABLE ° 888 584 70 154 63 17 /of agg_table4_n. year=1999&as_msa=5945 -- ORANGE COUNTY, CA &as_table=4&as 8/14/00 footnote Page 1 of 2 HOME MORTGAGE DISCLOSURE ACT DISCLOSURE STATEMENT • EXPLANATION OF NOTES THE NOTES FOR TABLES 1-8 REFER TO BOTH THE DISCLOSURE STATEMENTS OF INDIVIDUAL FINANCIAL INSTITUTIONS AND THE AGGREGATE TABLES FOR ALL FINANCIAL INSTITUTIONS IN AN MSA. THE NOTES FOR TABLES 9 AND 10 REFER TO AGGREGATE TABLES ONLY. FOR CATEGORIZATION INTO GROUPS, PERCENTAGES ARE NOT ROUNDED. IF THERE ARE NO DATA REPORTED FOR A PARTICULAR TABLE, THAT TABLE WILL NOT BE PRINTED. L ALL CENSUS TRACT AND COUNTY DEFINITIONS AND POPULATION COUNTS ARE BASED ON THE 1990 CENSUS OF POPULATION AND HOUSING. 2. THE "INVALID GEOGRAPHIC IDENTIFIERS" ROW CONTAINS DATA FOR WHICH FINANCIAL INSTITUTIONS REPORTED STATE OR COUNTY CODES OR CENSUS TRACT NUMBERS THAT DID NOT CONFORM WITH 1990 CENSUS DEFINITIONS, OR FOR WHICH FINANCIAL INSTITUTIONS DID NOT REPORT THIS INFORMATION. THE ROW FOR "INVALID MSA NUMBERS" CONTAINS DATA FOR WHICH FINANCIAL INSTITUTIONS REPORTED INVALID MSA NUMBERS ACCORDING TO MSA BOUNDARIES AS DEFINED BY THE U.S. OFFICE OF MANAGEMENT AND BUDGET. 3.IN AGGREGATE TABLE 1, PERCENTAGE MINORITY POPULATION ;":MIN POP") MEANS THE PERCENTAGE OF THE TOTAL POPULATION IN A PARTICULAR CENSUS TRACT CONSISTING OF THOSE OF NON -WHITE RACES, AND WHITES OF HISPANIC ORIGIN. PERCENTAGES ARE ROUNDED TO THE NEAREST FULL PERCENTAGE POINT. 4. IF TWO APPLICANTS FROM DIFFERENT MINORITY GROUPS ARE REPORTED, THEY ARE . GROUPED BY THE RACE OF THE FIRST PERSON LISTED ON THE APPLICATION. 5. "JOINT" MEANS WHITE AND MINORITY GROUP CO -APPLICANTS. 6. "NOT AVAILABLE" INCLUDES SITUATIONS WHERE DATA WERE NOT REQUIRED TO BE COLLECTED OR WERE OTHERWISE NOT REPORTED. 7. "JOINT" MEANS CO -APPLICANTS OF THE OPPOSITE GENDER. B. APPLICANTS ARE CATEGORIZED BY THE RATIO OF THEIR REPORTED INCOME TO THE MEDIAN FAMILY INCOME OF THE MSA. THE MEDIAN FAMILY INCOME OF THE MSA IS BASED ON ESTIMATES DEVELOPED BY THE DEPARTMENT OF HOUSING AND URBA14 DEVELOPMENT (HUD), WHICH ARE UPDATED ANNUALLY. THE FIGURE FOR THE MSA IS THE HUD ESTIMATE FOR THE FISCAL YEAR THAT CORRESPONDS TO THE YEAR FOR WHICH THE LOAN/APPLICATION DATA ARE REPORTED. 9. THE TYPE OF CENSUS TRACT IS BASED ON DEMOGRAPHIC INFORMATION FROM THE 1990 CENSUS OF POPULATION AND HOUSING. IT IS NOT BASED ON REPORTED APPLICANT CHARACTERISTICS. 10. "MINORITY" MEANS ALL NON -WHITE RACES AND WHITES OF HISPANIC ORIGIN. 11. THE LOW-INCOME CATEGORY CONSISTS OF CENSUS TRACTS WHERE THE MEDIAN FAMILY INCOME IS LESS THAN 50 PERCENT OF THE MEDIAN MSA INCOME, BASED ON THE 1990 CENSUS OF POPULATION AND HOUSING. THE MODERATE -INCOME CATEGORY CONSISTS OF CENSUS TRACTS WHERE THE MEDIAN FAMILY INCOME IS AT LEAST 50 PERCENT AND LESS THAN 80 PERCENT OF THE MEDIAN MSA INCOME. THE MIDDLE -INCOME CATEGORY CONSISTS OF CENSUS TRACTS WHERE THE MEDIAN FAMILY INCOME IS AT LEAST 80 PERCENT AND LESS THAN 120 PERCENT OF THE http://www.ffiec.gov/hmda rpt/notes.html 8/14/00 footnote Page 2 of 2 MEDIAN MSA INCOME. THE UPPER -INCOME CATEGORY CONSISTS OF CENSUS TRACTS WHERE THE MEDIAN FAMILY INCOME IS 120 PERCENT OR MORE OF THE MEDIAN MSA INCOME. • 12. IN TABLE 3, THE TOTAL LOAN NUMBER AND DOLLAR AMOUNT FOR EACH TYPE OF PURCHASER MAY INCLUDE THOSE LOANS WHERE INFORMATION CONCERNING THE APPLICANT OR THE CENSUS TRACT CHARACTERISTICS WAS NOT AVAILABLE. 13. "TOTAL" INCLUDES BOTH THOSE CASES WHERE GENDER WAS REPORTED AND THOSE WHERE THIS INFORMATION WAS NOT AVAILABLE. 14. "APPLICATIONS RECEIVED" EQUALS THE TOTAL NUMBERS OF LOANS ORIGINATED, APPLICATIONS APPROVED BUT NOT ACCEPTED, APPLICATIONS DENIED AND WITHDRAWN, AND FILES CLOSED FOR INCOMPLETENESS. 15, INCLUDES CENSUS TRACTS WITH NO REPORTED INCOME AND CENSUS TRACTS IN PUERTO RICO FOR WHICH NEITHER INCOME NOR RACE DEMOGRAPHIC INFORMATION WAS AVAILABLE FROM CENSUS DATA. 16. INSTITUTIONS ARE NOT REQUIRED TO REPORT REASONS FOR LOAN DENIALS. "TOTAL" INCLUDES CASES WHERE MULTIPLE REASONS WERE REPORTED. 17. CENSUS TRACTS ARE GROUPED ACCORDING TO MEDIAN AGE. BECAUSE THE CENSUS DATA ON HOUSING STOCK AGE ARE CATEGORIZED IN INTERVALS OF SEVERAL YEARS, THE MEDIAN HOUSING STOCK AGE FOR A CENSUS TRACT IS DETERMINED BY CALCULATING THE MID -POINT OF THE INTERVAL IN WHICH THE MEDIAN UNIT FALLS. THE TRACTS ARE GROUPED IN THIS TABLE BY THE TIME PERIOD IN WHICH THE MEDIAN UNIT WAS BUILT. • 18. FOR MSAS WITH MORE THAN ONE CITY NAME, MULTIPLE CENTRAL CITIES ARE INCLUDED. • 19. "MSA LESS CENTRAL CITY" INCLUDES ALL CENSUS TRACTS OUTSIDE THE CENTRAL CITY (OR CITIES) BUT WITHIN THE MSA. 20. INCLUDES DATA ON LOANS IN THIS MSA FROM INSTITUTIONS WITH A HOME OR BRANCH OFFICE IN THIS MSA, AND FROM CERTAIN INSTITUTIONS WITHOUT SUCH AN OFFICE. 21. THE "TRACT UNKNOWN" ROW CONTAINS DATA FOR WHICH FINANCIAL INSTITUTIONS REPORTED TRACT NUMBERS THAT DID NOT CONFORM WITH 1990 CENSUS DEFINITIONS, OR FOR WHICH FINANCIAL INSTITUTIONS DID NOT REPORT THIS INFORMATION. 22. THE "COUNTY UNKNOWN" ROW CONTAINS DATA FOR WHICH FINANCIAL INSTITUTIONS REPORTED STATE AND COUNTY CODE COMBINATIONS THAT DID NOT CONFORM WITH 1990 CENSUS DEFINITIONS, OR FOR WHICH FINANCIAL INSTITUTIONS DID NOT REPORT THE COUNTY. http://ww,A,.ffiec.gov/hmda_rpt/notes.html 8/14/00 TABLE 5 LOAN DENIAL RATES BY SEX AND NATIONAL ORIGIN / RACE HOME IMPROVEMENT LOANS Male Female Joint Male/Female TOTAL Am. Indian/Alaskan Native 4.00 36.36 35.00 21.05 Asian/Pacific Islander 27.31 33.33 21.55 25.78 Black 32.35 26.92 26.42 28.07 Hispanic 20.31 22.61 34.31 26.20 White 19.84 18.97 14.54 16.49 Other 26.32 34.38 23.61 26.54 Joint White/Minority 33.33 0.00 12.88 12.83 Race Not Available 37.04 33.63 43.12 40.31 TOTAL AVERAGE % 25.06 25.78 26.43 26.76 TABLE 6 11 11 LOAN DENIAL RATES BY SEX AND NATIONAL ORIGIN / RACE REFINANCE LOANS Male Female Joint Male/Female TOTAL Am. Indian/Alaskan Native 16.00 14.12 12.87 14.06 Asian/Pacific Islander 17.98 17.01 13.91 15.35 Black 28.20 27.46 21.68 24.77 Hispanic 22.86 20.77 20.81 21.28 White 17.64 15.39 13.29 14.58 Other 24.12 22.01 15.03 19.06 Joint White/Minority 17.86 9.52 12.48 12.57 Race Not Available 27.62 24.40 21.64 27.43 TOTAL AVERAGE % 21.54 18.84 16.46 18.64 TABLE 7 • LOAN DENIAL RATES BY SEX AND NATIONAL ORIGIN / RACE FHA, FMHA, AND VA LOANS Male Female Joint Male/Female TOTAL Am. Indian/Alaskan Native 15.00 7.69 12.50 12.00 Asian/Pacific Islander 8.61 10.09 12.11 10.76 Black 14.86 19.05 9.18 13.56 Hispanic 14.32 14.02 12.42 13.22 White 11.06 9.75 8.96 9.74 Other 11.32 10.26 15.91 14.05 Joint White/Minority 30.00 12.50 10.19 11.90 Race Not Available 10.20 16.92 9.43 12.78 TOTAL AVERAGE % 14.42 12.54 11.34 1 12.77 LOAN DENIAL RATES BY SEX AND NATIONAL ORIGIN / RACE CONVENTIONAL LOANS Male Female Joint Male/Female TOTAL % %, % % Am. Indian/Alaskan Native 14.56 20.73 12.69 15.36 Asian/Pacific Islander 12.79 11.41 11.01 11.55 Black 24.26 25.27 18.79 22.19 Hispanic 28.92 23.97 22.74 24.83 White 15.44 13.66 11.96 13.12 Other 19.07 21.58 14.77 17.76 Joint White/Minority 30.77 19.05 11.84 12.46 Race Not Available 20.48 16.63 14.07 20.46 AVERAGE % 20.79 19.04 14.73 17.22 0 TABU JMPARISON OF LOAN DENIAL RATES BY INCOME AND RACE-1999 IdLZI fir= L�dun 80% 80-99-A 100-119% 120%+ TOW Nuiw Denied %.Denied Number Denied %Denied Number Denied %Dended NInta Denied %Denied MetaJ1,12812 %Deid Am ldien 16 3 I88'/. 12 0 0.0% 5 0 00% ll 3 - 27.3% 4413 M.. Adorn 208 30 14.4•/. I44 22 15.3%. 68 2 29% 66 4 6.1% 48611.9% Blah 109 17 15.7% 50 9 1&0% 20 3 150•1 30 3 10.0•/. 20815.4% 2436 367 15.1% 961 143 149•/. 361 45 125% 196 24 122•/. 3.954146% White 1,942 231 125% 1,060 100 94•/. 588 50 85% 709 72 ]02%. 4.19910.8•/. Otlar 74 7 95•/. 52 12 23.1% 26 4 15.4•/. 17 3 17.6A 16915.4•/. Joint 143 19 133% I22 14 N S/. 82 lI 13.45: 81 Il 13.6•/. 428129•/. RwcWA 236 48 203% 100 12 IZO•/. 58 10 17Y/. 87 Il 126•/. 481I68•/. TOW 5.063 722 143% 2.501 312 125•/. 1,208 125 I03% 1,197 131 10.9'/• 9.969129Y. WmaliFEEE 2,768 417 15.1% 1.167 174 149-/ 454 50 II.OY. 303 34 11.7/. 4.692144% 4,610 64H 141% 2,227 274 12.3% 1,042 100 9.6% 1.012 106 10.5% 8.891127/• 60.0•/. 644% 52.4% 635% 436% 500•/ 29,9°/. 32.1% 528•/. Lem than 80•/. 80-99°/. 100-119% 120•/h TOW Nunberl Demd %Denied Nwbwl Denied % Denied Nunber Demd %Denied Nunt=l Denied % Denied Nuri= Denied % Dodd Am hdien 32 286% 41 6 14.6% 37 5 135% 107 14 13.1% 297 57 19.2% Asian 279 162•/. 1.252 151 121% 1,092 132 IZI% 3.543 454 128•/. 7.614 1,0I6 U.3%BIB& 38 30.9% 92 27 29.3% 80 18 225;'. 269 69 25.7% 564 152 270•/.1 is 971 38 I:: 813 212 26.1% 569 103 1&1% 1,241 223 180•/. 4,909 1,409 287/.White . p U24 21.8% 4,170 638 15.3% 4.379 638 14.65'. 22,961 2.959 12.9% 37,592 5,559 148•/.Other 9O 33.3% 154 30 195% 112 11 98°/. 572 94 16.4% 1,108 225 20.3% Joint 57 27.7/. 243 49 20.2% 262 37 14.1% 1,439 162 11.3% Z15D 305 142°/.PmeWA 910 441% 1,071 290 27.1% 991 220 22.2% 4,506 756 16.8°/. 8,633 2176 252'/.7btd 3.601 2&0•/. 7.836 1,403 17.9% 7,522 1,164 15.5% 34,638 4.731 13.7°/. 62.967 10,899 I73% Knonn NOmi 4,2481 1,220 2&75n 2,198 396 180•/ 1,778 259 145'/.l 5.1601 760 14.7%. 13,384 2,634 19.7/• TOW K. 10j30 2"1 246V.1 6.368 1,034 162•/. 6,157 9%1 146% I 2&121 3,7191 13.rll 50,9761 &193 16.1•/. •%Mimi 41.I% 480°/. 34.51/61 1 2&9'/. 2&8°/. 183% 2041/ 26.3Vl 32I% NONSPOROVQ.4FND L=dmn 80•/. 80.99% IDD4190/. 120'/h TOW Nwnbal Denied % Denied Nunber Denied % Dmid Nuuber Denied %Domed Nwrkw Denied % Dmid Nunber Denied % Dmid Am Men 16 5 31.3% 8 1 125% 3 1 333% 25 5 20.0°/. 52 121 231% Alin 191 71 37.2°/. 130 35 26.9% 119 .29 244% 339 78 23.0% 779 213 273% BIB& 32 11 344% 15 3 20.0%.. 19 5 263% 41 13 31.7/° 107 321 299`/• Hivenic 507 183 36.1% 141 47 33.3% 100 33 33.0% 190 53 27.9•/. 938 3161 33.7% W4du 783 195 24.9% 481 95 198% 48D 85 177%. 2326 327 14.1% 4.070 7021 17.2% Other 45 17 37.9% 9 2 22Y/. 21 3 143/. 72 20 27.8% 147 42 286% Joint 34 9 265% 33 7 212°/. 37 4 108•/ 196 19 10.2•/. 290 39 13.4•.. Race WA 1,083 690 628°/. 677 318 47.0•/. 561 233 41.5% 1.516 572 37.7% 3,837 1,803 470•/. TOW 2691 1,171 43.5°/.E37.9',. 494 508 340% 1,340 393 293% 4,695 1,097 23.2•/ 10.220 3,159 309% Knmo Mimi 746 270 362°/.294 86 29.3•/. 241 68 28.7/. 595 149 250% 1,976 573 305•/. TOW IttleNn 1,529 465 30.4%775 181 23.4% 721 153 71.2°/. 2,921 476 16.3% 5,946 1,275 21.4% •%Mimi 4&8•/. 581% - 475% 334% 444% 20.4% 313% 316% 44.9% i TECHNICAL APPENDIX O Fair Housing Enforcement 10 E 11 Technical Appendix O Fair Housing Enforcement Fair Housing Council Of Orange County Services Table: Contracts, Compliance Division 1996/97 Table: Contracts, Compliance Division 1997/98 Table: Contracts, Compliance Division 1998/99 Table: Contracts, Compliance Division 1999/00 Chart: Compliance FY 96 -00 Chart: FHCOC Organizational Chart Table: Complaints Filed HUD vs FHAP Table: Cases Filed In Orange County Table: Cases Filed, County & State, Period 10/1/98 to 5131100 Newspaper Ad, Union Hispana, May 12, 2000 Newspaper Ad, Nguoi Viet, May 5, 2000 Newspaper Ad, Thu Sau -So, May 5, 2000 Newspaper Ad, Orange County Register, May 9, 2000 Newspaper Ad, Espectaculos, May 18', 2000 Newspaper Ad, Tustin Weekly, May 12, 2000 w FAIR HOUSING COUNCIL OF ORANGE COUNTY, INC. The Fair Housing Council of Orange -County (FHCOC) is a private non-profit corporation governed by a volunteer board of directors. It was founded in 1965 to support and further Federal, State and other Fair Housing Laws and policies. The Council is also a member of the National Fair Housing Alliance. To date, FHCOC's evidence of Fair Housing violations has been successfully used by the U.S. Dept. of Justice, U.S. Dept. of HUD, by the State Department of Fair Employment and Housing and by private attorneys in Federal and State Courts. Under the leadership of the current Executive Director, this agency has prevailed in all Fair Housing Cases in which this organization was a named party. FAIR HOUSING SERVICES - The following services are available to low to moderate -income clients free of charge and to others for a moderate charge. COMMUNITY EDUCATION - [275 presentations reaching 6,807 last FY] activities include: a newsletter, public meetings, training programs for both the • public and housing professionals, such as Realtors, apartment managers and owners, and lending institutions, plus an annual equal opportunity theme poster/essay contest for school children. FAIR HOUSING COMPLIANCE - [788 served last FY] activities include: counseling, investigation, verification and when appropriate conciliation or prosecution of verified incidents of housing discrimination. TENANT LEGAL ASSISTANCE - [52 cases last FY] - provides legal representation in certain housing actions determined to impact housing. They may include an unlawful detainer involving substandard conditions, discrimination or retaliation. LANDLORD/TENANT DISPUTE RESOLUTION - [25,852-served last FY] assists landlords and tenants in resolving disputes and answering questions regarding the parties' rights and responsibilities. MEDIATION PROGRAM - [500 conciliation/mediations last FY] - provides mediation and conciliation services to the community. Certified mediators assist . the housing industry to resolve disputes without litigation. 1 n `J 11 Annual Fiscal Year 1996/97 All Contracts Compliance Division Total Contacts: 476 Age 22 Intake 36 Child/Family 186 Investigation 141 Handicap 87 Test 68 Marital Status 31 Resolved w/o Referral 137 National Origin 57 Other 75 Race 205 Mediation 18 Religion 10 DFEH 18 Source of Income 18 Dept of HUD 0 Sexual Orientation 35 Legal Aid Society 0 Color 4 Private Attorney 0 Arbitrary/Other 117 Failure to Proceed 3 Litigation 0 Review of File(s) 276 Total: 772 Total: 772 Anglo 247 = 54% Tenants 430 - 91% Hispanic 81 - 17% Managers 13 = 2% Black 109 = 22% Owners 27 = 5% Asian 13 - 2% Motel 4 = 1% Am. Indian 4-1% Homeless 0 = 0% Other 22 - 4% Other 2 = 1% Below 50% of Median 316 - 67% Word of Mouth 114 = 24% Below 80% of Median 86 - 18% Private Business 14 = 3% Above 80% of Median 74 = 15% Local Government 166 = 35% Community Education 182 = 38% Single Parent Female 86 - 18% • • 0 Annual Fiscal Year 1997/98 All Contracts Compliance Division Total Contacts: 988 Age 0 Intake 36 Child/Family 260 Investigation 291 Handicap 87 Test 208 Marital Status 28 Resolved w/o Referral 115 National Origin 370 Other 330 Race 432 Mediation 19 Religion 13 DFEH 16 Color 25 Dept of HUD 1 Sexual Orientation 19 Landlord/Tenant 3 Other 164 Private Attorney/LAS 1 Failure to Proceed 1 Litigation 0 Review 377 Total: 1,398 Total: 1,398 Anglo 323 - 32% Tenants 915 = 94% Hispanic 170 - 18% Managers 18 = 1% Black 359 - 37% Owners 25 = 2% Asian 32 - 1% Motel 13 = 1% Am. Indian 10 = 1% Homeless 1 = 1% Other 94 -11% Other 16 = 1% Below 50% of Median 512 = 51% Word of Mouth 243 = 24% Below 80% of Median 212 - 21% Private Business 29 - 3% Above 80% of Median 264 - 28% Local Government 345 = 35% Community Education 371 - 38% Single Parent Female 118 - 11% • • 1] Annual Fiscal Year 1998/99 All Contracts Compliance Division Total Contacts: 523 Age 18 Intake 68 Child/Family 157 Investigation 142 Handicap 63 Test 15 Marital Status 20 Resolved w/o Referral 73 National Origin 96 Other 116 Race 226 Mediation 10 Religion 4 DFEH 8 Color 4 Dept of HUD 1 Sexual Orientation 7 Landlord/Tenant 0 Other 104 Private Attorney/LAS 1 Failure to Proceed 22 Litigation 0 Review 243 Total: 699 Total: 699 Anglo 222 - 42% Tenants 478 = 91% Hispanic 109 - 21% Managers 13 = 2% Black 157 - 30% Owners 12 = 2% Asian 20 = 4% Motel 8 = 2% Am. Indian 4 = 1% Homeless 8 = 2% Other 11- 2% Other 4 - 1% Below 50% of Median 418 = 80% Word of Mouth 135 = 24% Below 80% of Median 73 = 14% Private Business 15 - 3% Above 80% of Median 32 - 6% Local Government 183 = 35% Community Education 190 - 38% Single Parent Female 73 = 14% • 0 Annual Fiscal Year 1999/00 All Contracts Compliance Division Total Contacts: 788 Age 29 Intake 102 Child/Family 233 Investigation 173 Handicap 98 Test 29 Marital Status 23 Resolved w/o Referral 110 National Origin 183 Other 286 Race 271 Mediation 9 Religion 23 DFEH 16 Color 27 Dept of HUD 7 Sexual Orientation 10 Landlord/Tenant 0 Other 184 Private Attorney/LAS 0 Failure to Proceed 34 Litigation 0 Review 315 Total: 1,081 Total: 11081 Anglo 291 e 36% Tenants 746 = 94% Hispanic 296 a 37% Managers 21 = 2% Black 108 -13% Owners 12 = 2% Asian 43 = 5% Motel 6 = 1% Am. Indian 4 = 4% Homeless 0 = 0% Other 46 = 5% Other 3 = 1% Below 50% of Median 540 = 69% Word of Mouth 295 = 38% Below 80% of Median 170 - 22% Private Business 22 a 3% Above 80% of Median 78 - 9% Local Government 197 = 24% Community Education 274 - 35% Single Parent Female 84 - 13% FAIR HOUSING COUNCIL OF ORANGE COUNT-f 201 S. Broadway • Santa Ana, CA 92701 Phone: 714/569-0823 • Fax: 714/835-0281 BOARD OF DIRECTORS PRESIDENT/CEO & General Counsel PUBLIC TIOS PROGRAM MANAGER I I S EOFFICE CIALIST I I PROGRAM MNGR I I MANAGER ADASS STRAANTIVE I I FSUPPORT SYSTEMS .H. COUNSELOR/ I I CO NSELORS WORKSTUDY INTERNS & VOLUNTEERS F.H. RIGHTS MEDIATION LLlf STAFF PROGRAM MNGR ADVCT/DEVLPMNT ATTORNEY DIRECTOR STAFF MEDIATORS VOLUNTEER MEDIATORS Reorganization Effective 1/27/2000 1011198 - 9130100 Complaints filed --1 with Total Narl Familial CITY HUD FHAP Filed Race Color Ori in Sex Disability Religion Status Retaliation Anaheim 0 - 2 2 0 0 1 0 0 0 1 0 Buena Park 0 - 3 3 2 0 0 0 1 0 1 0 Costa Mesa 0 - 1 1 1 0 0 0 0 0 0 0 Garden Grove 0 - 3 3 0 0 0 1 1 0 1 0 Huntington Beach 0 - 4 4 1 0 0 0 0 0 3 0 Irvine 8 - 3 11 2 0 2 0 0 0 7 1 Newport Beach 1- 0 1 0 0 0 0 1 0 0 0 Orange 0 - 1 1 0 0 1 0 0 0 0 0 Santa Ana 0 - 6 6 3 0 1 0 1 0 1 0 Tustin 0 - 1 1 0 0 0 0 0 1 0 0 Westminster 0 - 1 1 1 0 0 0 0 0 0 0 TOTALS 9- 25 34 1 10 0 5 1 4 1 14 1 1 1011/99 - 511100 Anaheim 0- 3 3 1 0 0 0 1 1 0 0 Huntington Beach 0 - 1 1 0 0 0 0 0 1 0 Irvine 0 - 1 1 0 0 0 0 0 0 0 0 Orange 0 - 2 2 1 0 0 1 0 0 0 0 Santa Ana 0 - 2 2 0 0 1 0 1 0 0 0 TOTALS 0- 9 9 3 0 1 1 2 1 1 0 1998 Totals 22 - 25 47 21 1 15 3 8 1 20 1 1997 Totals 6 - 36 42 14 0 6 4 6 3 11 1 1996 Totals 2 - 21 23 4 0 5 0 10 0 7 0 Date:8l11M Title VIII Cases Filed in Orange County, CA County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Fiscal Year 1996 Orange County, CA 21 21 23 41 01 51 01 101 01 71 0 Fiscal Year 1997 Orange County, CA 61 36 421 141 01 61 41 61 31 Ill 1 Fiscal Year 1998 Orange County, CA 221 25 471 211 11 151 31 81 11 20 1 Page 1 (Note: A case may have multiple basis). As of Date: 6113M Title VIII Cases Filed During Period of 10/l/98 to 5/31/00 County & State Complaints I Filed with HUD Complaints ITotall I Filed with FHAP Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Fiscal Year 1999 Fiscal Year 1999 -Arizona vondale,AZ 0 1 1 0 01 1 0 0 0 0 0 Bullhead City,AZ 0 1 1 0 11 1 0 0 0 0 0 Casa Grande,AZ 0 3 3 0 0 0 0 0 0 0 3 Chandler,AZ 0 8 8 1 1 7 0 0 0 0 0 Glendale,AZ 1 5 6 4 0 1 0 2 0 0 0 Kingman,AZ 0 21 2 0 0 0 0 2 0 0 0 Mesa,AZ 0 5 5 2 0 0 0 1 0 1 1 Nogales,AZ 1 01 1 0 0 0 0 1 0 0 0 Payson,AZ 0 3 3 0 0 1 0 0 0 3 0 Phoenix,AZ 3 61 64 13 1 24 2 19 0 6 0 Prescott,AZ 0 1 1 0 0 1 0 0 0 0 0 SCOGSdale,AZ 0 3 3 0 01 2 0 0 0 1 0 Sedona,AZ 0 4 4 1 0 0 3 0 0 0 0 Tempe,AZ 1 5 6 0 0 2 1 3 0 0 1 ucson,AZ 1 32 33 8 0 8 2 11 2 2 3 uma,AZ 0 1 1 1 0 0 0 0 0 1 0 Page 1 (Note: A case may have multiple basis). As of Date: 6/13MO Title VIII Cases Filed During Period of 10/1198 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Fiscal Year 1999 -California Iameda,CA 0 1 1 1 01 0 0 0 0 0 0 Alhambra,CA 0 4 4 0 0 2 0 0 0 3 0 Alta Loma,CA 0 3 3 1 0 0 0 1 0 1 0 Altadena,CA 0 1 1 0 0 0 0 1 0 0 0 naheim,CA 0 2 2 0 0 1 0 0 0 1 0 Anlelope,CA 0 1 1 0 0 0 0 1 0 0 0 lioch,CA 0 6 6 11 0 0 21 3 0 0 0 Apple Valley,CA 1 1 2 01 01 0 0 1 0 1 0 Arcadia,CA 0 3 3 1 01 0 0 0 0 2 0 rvin,CA 0 1 1 0 01 1 0 0 0 0 0 Atascadero,CA 0 1 1 0 0 0 1 0 0 0 0 Aubum,CA 0 1 1 0 0 0 0 1 0 0 0 Bakersfield,CA 0 11 11 4 0 0 2 2 0 3 0 Bay Point,CA 0 1 1 0 0 1 0 0 0 0 0 Beaumont,CA 0 1 1 0 0 0 0 1 0 0 0 Bellflower,CA 3 1 4 4 0 3 2 0 0 0 0 Berkeley,CA 2 6 t; 1 0 1 1 6 0 0 0 Page 2 (Note: A case may have multiple basis). As or Dale: 6113M Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Buena Park,CA 0 3 3 21 0 0 01 1 0 1 0 Burbank,CA 1 2 3 01 01 1 01 0- 0 2 0 Budingame,CA 0 2 2 21 01 0 01 0 0 1 0 Byron,CA 0 11 1 0 01 0 0 11 0 0 0 Camarillo,CA 0 21 2 0 01 0 0 0 0 0 Canoga Park,CA 1 1 2 0 0 0 0 2 0 0 0 Canyon County,CA 0 1 1 1 0 0 0 0 0 0 0 Cadsbad,CA 0 7 7 1 0 0 1 3 0 2 0 Carmichael,CA 0 3 3 2 0 0 0 1 0 0 0 Carpenteria,CA 0 3 3 0 0 0 1 2 0 0 0 Castro Valley,CA 0 1 1 0 0 0 1 0 0 0 0 Cathedral City,CA 0 1 1 0 0 0 0 0 0 1 0 Cedar Glen,CA 0 1 1 0 0 0 0 1 0 0 0 Chatsworth,CA 0 1 1 0 01 1 0 0 0 0 0 Chico,CA 0 1 1 0 0 0 0 0 0 1 0 Chula Vijsta,CA 0 6 6 2 0 1 1 2 0 3 0 Citrus Heights,CA 0 2 2 1E10 0 1 0 0 0 Clayton,CA 0 1 1 0 H00 1 0 0 0 0 Page 3 (Note: A case may have multiple basis). As or Date: 6113100 Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Colton,CA 0 1 1 1 0 0 0 0 0 0 0 Compton,CA 1 3 2 0 0 0 0 0 1 0 Corona,CA 0 3 3 2 0 0 0 0 0 1 0 Costa Mesa,CA 0 1 1 1 0 0 0 0 Ol 0 0 Cotati,CA 0 1 1 1 0 0 0 1 01 0 0 Covina,CA 0 2 2 0 0 0 0 1 1 0 0 Cudahy,CA 0 21 2 0 0 1 01 0 0 1 0 Culver City,CA 0 51 5 0 0 0 01 5 0 0 0 Daly City,CA 0 il 1 0 0 0 11 0 0 0 0 Danville,CA 0 11 1 01 01 0 01 0 0 11 0 Davis,CA 0 11 1 01 01 0 01 0 0 11 0 Desert Hot Springs,CA 0 21 2 1 01 0 11 0 0 0 0 Downey,CA 0 3 3 1 U 1 U U 0 1 0 East Palo Alto,CA 0 1 1 0 0 0 1 0 0 0 0 Ell Cajon,CA u 16 16 4 U 3 1 6 1 1 1 El Centro,CA 0 1 1 0 0 0 0 1 0 0 0 El Cedto,CA 0 1 1 1 0 0 0 0 0 1 0 El Monte,CA 0 1 1 1 0 0 0 0 0 0 0 Page 4 (Note: A case may have multiple basis). As of Dale: 6113I00 Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Elk Grove,CA 0 21 2 0 0 0 01 0 0 2 0 Emeryville,CA 0 3 3 1 0 0 0 1 0 0 1 Encino,CA 0 3 3 1 0 1 0 0 0 1 0 Escondido,CA 1 7 8 2 0 0 0 3 1 2 0 Eureka,CA 0 2 2 0 0 0 0 1 0 1 0 Fairfax,CA 1 0 1 0 0 0 0 1 01 0 0 Fairfield,CA 1 1 2 11 0 0 0 1 01 0 0 Fallbrook,CA 0 1 1 1 0 0 0 0 0 0 0 Fontana,CA 0 5 5 3 0 0 0 1 0 1 0 Fremont,CA 0 3 3 2 0 1 0 0 0 0 0 French Camp,CA 0 1 1 0 0 0 1 0 0 0 0 Fresno,CA 0 9 9 3 0 1 1 2 0 2 1 Garden Grove,CA 0 3 3 0 0 U 1 1 0 1 0 Gardena,CA 0 3 3 1 0 0 0 2 0 0 0 Gilroy,CA U 2 2 U U 1 U 1 U 0 0 Glendale,CA 01 61 6 0 0 1 1 0 0 4 0 Granada Hills,CA 0 1 1 1 0 0 0 0 0 0 0 Greenbrae,CA 01 1 1 0 0 0 11 0 0 0 0 Page 5 (Note: A case may have multiple basis). As of Date: W13M Title VIII Cases Filed During Period of 10/1/98 to 5131/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Grover Beach,CA 0 1 1 0 0 0 0 0 0 1 0 Guemeville,CA 0 1 1 1 0 0 0 0 0 0 0 Guemville,CA 0 2 2 0 0 0 0 2 1 1 0 GUSOne,CA 0 1 1 0 0 0 0 1 0 0 0 Half Moon Bay,CA 0 1 1 0 0 0 1 0 0 0 0 Hanford,CA 0 1 1 1 0 0 0 0 0 0 0 Hawthome,CA 0 7 7 5 0 1 01 0 0 3 0 Hayward,CA 3 3F 6 2 0 1 1 2 0 0 0 Healdsburg,CA 0 1 1 1 0 0 0 0 0 0 0 Hemet,CA 0 21 2 0 0 0 1 0 0 1 0 Hesperia,CA 0 21 2 1 0 0 1 0 0 1 0 Highland,CA 0 3 3 0 0 0 0 1 01 21 0 Hollywood,CA 1 2 3 1 0 U 0 2 0 01 0 Huntington Beach,CA 0 4 4 1 0 0 0 0 0 31 0 Huntington Park,CA U 1 1 U 0 U U 1 U 0 0 Imperial Beach,CA 0 2 2 0 0 0 1 1 0 0 0 Indio,CA 0 1 1 0 0 0 1 0 0 0 0 Inglewood,CA 0 1 1 1 0 0 0 0 0 0 0 Page 6 (Note: A case may have multiple basis). ! i As of Date: 6113MO Title VIH Cases Filed During Period of 1011/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Irvine,CA 8 3 11 2 0 2 0 0 0 7 1 Kentfield,CA 1 1 0 0 0 0 0 0 1 0 La Habra,CA 1 0 1 1 0 0 0 0 0 0 La Mesa,CA 0 11 1 01 01 0 0 1 0 0 0 La Veme,CA 0 1 1 0 01 0 01 1 0 0 0 Lake Elsinore,CA 0 21 2 1 01 0 1 0 0 0 0 Lake View Terrace,CA 0 11 1 1 0 0 0 0 0 0 0 Lakeview,CA 1 0 1 0 0 0 1 0 0 0 0 Lakewood,CA 0 31 3 0 0 0 0 3 0 0 0 Lancaster,CA 0 21 2 2 0 0 0 0 0 0 0 Laucadia,CA 0 1 1 0 0 0 0 1 0 0 0 Lawndale,CA 0 1 1 01 0 0 1 0 0 0 0 Livermore,CA U 31 3 21 01 U 0 0 0 1 0 Lodi,CA 0 31 3 1 01 0 0 0 0 2 0 Lomita,CA U 1 1 U U U 0 U U 1 U Lompoc,CA 0 2 2 0 0 0 0 0 0 21 0 Long Beach,CA 0 29 29 12 0 1 0 6 01 10 0 Los Angeles,CA 6 63 69 29 1 10 71 15 31 91 1 Page 7 (Note: A case may have multiple basis). As or Date: 6/13100 Title VHI Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints ITotal Filed with FHAP Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Lynwood,CA 0 3 3 2 0 1 0 0 0 1 0 Malibu,CA 0 1 1 0 0 1 0 0 0 0 0 Manifee,CA 0 1 1 0 0 0 0 0 0 1 0 Manteca,CA 0 3 3 2 0 0 0 1 0 111 0 Marin City,CA 1 0 1 01 01 0 0 1 0 01 0 Marina Del Rey,CA 0 2 2 01 01 0 0 21 0 0 0 Martinez,CA 0 1 1 0 01 0 0 01 0 1 0 Marysville,CA 0 1 1 0 01 0' 1 01 0 0 0 Mendocino,CA 1 01 1 0 01 0 0 11 0 0 0 Merced,CA 0 2 2 1 01 0 01 11 0 0 0 Mill Valley,CA 0 11 1 0 01 1 01 01 0 0 0 Milpitas,CA 0 1 1 0 01 0 01 11 0 0 0 Mission Viejo,CA U 1 1 U 01 0 01 11 0 U 0 Modesto,CA 1 3 4 1 01 01 21 0 01 0 Monrovia,CA U 1 1 U 0 U 0 11 0 U U Montclair,CA 0 1 1 1 0 0 0 0 0 0 Montebello,CA 0 3 3 1EtH 0 1 1 0 0 Montecito,CA 0 1 1 0 0 1 0 0 0 Page 8 (Note: A case may have multiple basis). As of Date: 6/13100 Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Monterey Park,CA 1 1 2 1 C 0 0 1 C 0 1 Monterey,CA 0 5 5 1 0 0 0 2 1 3 0 MOntrose,CA 0 1 1 0 0 0 1 0 0 0 0 Moreno Valley,CA 0 31 3 21 01 0 01 1 0 0 0 Morgan Hill,CA 0 3 3 11 01 2 01 2 0 0 1 Morro Bay,CA 0 1 1 0 0 1 0 0 0 0 0 Mountain View,CA 0 1 1 0 0 0 0 1 0 0 0 ML View CA 2 0 2 0 0 0 0 2 0 0 0 eta,CA 0 1 1 0 0 0 0 1 0 0 0 a,CA 2 0 2 0 0 0 0 2 0 0 0 nal City,CA r 0 1 1 1 0 0 0 0 0 0 0 ark,CA 0 1 1 0 0 0 1 0 0 0 0 port Beach,CA 1 0 1 0 0 0 0 1 0 0mo,CA 0 1 1 1 0 0 0 0 0 0 North Hills,CA U 1 1 1 0 0 0 0 U U 0 North Hollywood,CA 0 3 3 1 0 1 0 0 0 1 0 Northridge,CA 0 3 3 1 0 1 0 1 0 0 0 Norwalk,CA 0 3 3 0 0 1 0 0 0 2 0 Page 9 (Note: A case may have multiple basis). Title VIII Cases Filed During Period of 10/1/98 to 5/31100 AS or Date: 6/13/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Novato,CA 0 2 2 1 0 0 0 0 0 1 0 Oakland,CA 6 23 2g 6 0 2 1 11 1 6 2 Oceanside,CA 0 10 10 3 01 1 0 5 1 2 0 Ontado,CA 0 10 10 5 01 3 0 1 0 1 0 Orange,CA 0 1 1 0 01 1 0 0 0 0 0 Orangevale,CA 0 3 3 2 0 0 0 1 0 0 0 Odnda,CA 1 0 1 1 0 0 0 0 0 0 0 Oxnard,CA 0 3 3 0 0 0 1 0 0 3 0 Pacific Grove,CA 0 1 1 1 0 0 1 0 0 0 0 Pacifica,CA 1 1 2 0 0 0 1 1 0 0 0 Pacoima,CA 0 1 1 1 0 0 0 01 0 0 0 Palm Springs,CA 0 6 6 1 0 1 0 4 0 1 0 Palo AIto,CA 4 5 9 U 0 0 0 4 0 5 0 Panarama City,CA 0 1 1 1 0 0 0 0 0 0 0 Pasadena,CA u 1 1 1 0 U U U U U u Paso Robles,CA 0 1 1 0 0 0 0 1 0 0 0 Petaluma,CA 0 5 5 0 0 0 0 1 0 4 0 Phoenix,CA 0 1 1 0 01 01 01 0 0 11 0 Page 10 (Note: A case may have multiple basis). As of Date: 6/13/00 Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Pinole,CA 0 2 2 1 01 0 01 0 0 1 0 Placerville,CA 0 1 1 0 0 0 01 1 0 0 Pleasant Hlll,CA 1 1 2 1 0 0 01 1 0 0 0 Pleasanton,CA 0 1 1 0 0 0 11 0 0 0 0 Pomona,CA 0 21 2 0 0 1 0 0 0 1 0 Port Hueneine,CA 0 1 1 1 0 0 01 0 0 0 0 Porterville,CA 0 11 1 01 0 0 0 0 0 1 0 Poway,CA 0 2 2 0 0 0 0 0 0 2 0 Quincy,CA 0 IF 1 0 0 0 0 0 01 1 0 Ramona,CA 0 1 1 0 0 0 0 0 01 1 0 Rancho Cordova,CA 0 21 2 1 0 1 0 0 0 0 0 Rancho Cucamonga,CA 0 31 3 1 0 0 2 0 01 1 0 Rancho Mirage,CA 1 U 1 0 U 0 01 U 01 1 U Red Bluff,CA 0 11 1 0 0 0 0 1 0 0 0 Redding,( -;A 01 1 1 U U U 0 0 U 1 U Redlands,CA 01 21 21 1 0 0 0 1 0 0 0 Redondo Beach,CA 01 11 11 0 0 0 0 1 0 0 0 Redwood City,CA 1 4 51 1 0 0 0 1 0 3 0 Page 11 (Note: A case may have multiple basis). As of Date: 6113M Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Reseda,CA 0 1 1 0 0 0 0 0 0 1 0 Riverside,CA 1 12 13 7 1 2 2 0 0 2 0 Rodeo,CA 0 1 1 1 0 0 0 0 0 0 0 Roseville,CA 6 6 0 0 1 1 4 0 0 0 Rubidoux,CA 0 1 1 1 0 0 0 1 0 0 0 Sacramento,CA 1 22 23 11 0 3 1 7 0 3 1 Salinas,CA 1 4 5 1 0 0 2 1 0 1 0 San Bemardino,CA 2 10 12 7 0 1 1 2 0 1 1 San Bruno,CA 0 2 2 0 0 1 0 0 0 1 0 San Diego,CA 1 24 25 6 0 4 0 10 0 6 2 San Francisco,CA 21 30 7 0 3 3 18 1 0 1 San Gabriel,CA 0 5 5 5 0 0 01 0 0 1 0 San Jose,CA 4 9 13 3 01 2 1 6 0 1 U San Leandro,CA 0 3 3 1 01 2 U 0 0 0 0 San Luis Obispo,C:A 1 1 2 U i 1 U 0 U San Mateo,CA 1 1 1 0 0 00 0 San Pablo,CA 0 5 5 1 Eu- 1 2 0 2 0 San Pedro,CA 0 5 5 3 0 1 01 2 0 Page 12 (Note: A case may have multiple basis). As of Dale: 6113M Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton San Rafael,CA 0 2 2 0 0 0 0 1 0 1 0 Santa Ana,CA 0 6 6 3 0 1 0 1 0 1 0 Santa Barbara,CA 0 3 3 0 0 0 1 0 1 2 0 Santa Clara,CA 0 2 2 1 0 0 0 1 0 0 0 Santa Cruz,CA 0 4 4 2 0 0 0 0 0 2 0 Santa Maria,CA 0 3 3 0 0 1 0 1 0 1 0 Santa Monica,CA 0 1 1 0 0 0 0 1 0 0 0 Santa Paula,CA 0 2 2 0 0 0 0 2 0 0 0 Santa Rosa,CA 0 4 q 2 0 0 0 1 0 1 0 Simi Valley,CA 0 2 2 0 0 0 0 1 0 1 0 Solvang,CA 0 1 1 0 0 1 0 0 0 0 0 South Gate,CA 0 2 2 1 0 0 1 0 0 0 0 South Lake Tahoe,CA U 1 1 U 0 0 0 1 0 U 0 South Pasadena,CA 0 1 1 0 0 1 0 0 0 0 0 Spring Valley,CA 0 4 4 2 U 0 0 1 0 1 U St Helena,CA 0 1 1 0 01 0 0 0 1 0 Stockton,CA 0 13 13 5 0 2 3 3 0 2 0 Suisun City,CA 0 1 1 0 0 01 01 0 Page 13 (Note: A case may have multiple basis). As of Date: 6N3M Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Summerville,CA Z 1 1 01 0 0 11 0 0 0 0 Sun City,CA 6 1 7 0 0 2 01 3 0 4 0 Sun Valley,CA 2 2 0 0 1 01 1 0 0 0 Sunnyvale,CA 1 3 q 0 0 2 0 2 01 1 0 Sylmar,CA 0 1 1 0 01 0 0 1 01 0 0 Tarzana,CA 1 1 2 0 0 1 0 1 01 0 0 Tehachapi,CA 01 1 0 0 0 0 1 01 0 0 Temple City,CA 0 1 1 1 0 0 0 0 0 0 0 ermal,CA 17 0 17 0 0 17 0 0 0 0 0 orrance,CA 0 3 3 1 0 2 0 0 0 0 0 racy,CA 0 1 1 0 0 0 1 0 0 0 0 urlock,CA 0 1 1 1 0 0 0 0 0 1 0 rusSn,CA 0 1 1 0 0 0 01 U 1 0 U Twenty Nine Palms,CA 0 1 1 1 0 0 0 U 0 0 0 Union City,CA 1 2 3 2 U U U 7 U 0 U Upland,CA 0 2 2 1 0 0 0 0 0 1 0 acaville,CA 0 1 1 0 0 0 1 0 0 0 0 allejo,CA 0 5 5 3 0 0 0 0 0 3 0 Page 14 (Note: A case may have multiple basis). As of Date: 6113100 Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Valley Village,CA 0 1 1 1 0 0 0 0 0 0 0 Van Nuys,CA 1 6 7 5 0 1 1 2 0 0 0 Ventura,CA 0 4 4 2 0 0 0 1 0 2 0 tctorville,CA 1 1 2 2 0 1 0 1 0 1 0 tsalia,CA 0 2 2 0 0 0 1 0 0 1 0 ista,CA 0 1 1 1 0 0 0 0 0 0 0 Walnut Creek,CA 0 1 1 0 0 0 0 1 0 0 0 atsonville,CA 0 2 2 0 0 0 0 0 0 2 0 West Covina,CA 0 1 1 0 0 0 0 0 0 1 0 West Hollywood,CA 0 3 3 2 0 0 0 1 0 0 0 West Sacramento,CA 0 1 1 1 0 0 0 0 0 0 0 Westminister,CA 0 2 2 1 0 1 01 0 01 0 0 Westminster,CA 0 1 1 11 01 0 0 0 0 0 0 hittier,CA 0 31 3 1 0 0 1 1 0 0 0 Wildomar,CA 0 1 1 0 0 0 1 0 0 0 0 Windsor Hills,CA 0 1 1 0 0 0 0 0 0 1 0 Woodland Hills,CA 0 1 1 1 0 0 0 0 0 0 0 Woodland,CA 0 1 1 0 0 0 0 0 0 1 0 Page 15 (Note: A case may have multiple basis). Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 A5 of Date: 6/13100 Retaliaton Filed with Filed with Origin County & State Complaints Complaints Total Filed Race Color National Sex DisabilityIII HUD FHAP rightwood,CA 0 1 1 0 0 0 0 1osemite,CA 1 0 1 0 0 0 0 0 0 Yuba CityCA 01 1 0 0 0 1 0 0 Fiscal Year 1999 -Hawaii Ewa Beach,Hl 0 1 1 0 01 0 0 0 0 1 0 Honolulu,Hl 0 11 11 2 0 2 1 4 0 2 2 Kailua-Kona,Hl 1 2 3 1 0 0 0 -2-0-0 0 Kaneohe,Hl 0 1 1 0 0 0 1 5-0-1 0 Lahaina,Hl 0 1 1 0 0 0 0 1-0-0 0 Mililani,Hl 0 1 1 11 0 0 0_ 1 0 01 0 Princeville,Hl 1 0 1 0 0 0 0 1 0 0 0 Wahiawa,Hl 0 1 1 0 01 0 1 0 0 0 0 Waianae,Hl 0 1 1 0 0 0 0 1 0 0 0 Waikoloa,Hl 1 0 1 1 01 0 0 0 0 0 0 Waipahu,Hl 01 1 1 1 0 0 0 0 0 0 0 Fiscal Year 1999 -Nevada Henderson,NV 21 01 0 0 0 0 0 0 Page 16 (Note: A case may have multiple basis). 0 i As of Date: 6113M Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 Total Filed County & State Complaints CoEFHAP Filed with Fi HUD Race Color National Sex Disability Religion Familial Retaliaton Origin Status Las Vegas,NV 18 18 6 0 2 0 7 0 5Reno,NV 15 16 4 0 3 3 7 1 3Sparks,NV 1 1 0 0 0 0 0 0 1 0 Fiscal Year 2000 Fiscal Year 2000 -Arizona Casa Grande,AZ 0 2 2 0 01 0 0 21 0 01 0 Cottonwood,AZ 0 2 2 0 01 0 0 2 0 0 0 Flagstaff,AZ 0 1 1 0 0 1 6 0 0 0 0 Gilbert,AZ 0 2 2 1 0 0 0 1 0 0 0 Glendale,AZ 0 1 1 1 0 0 0 0 0 0 0 Gold Canyon,AZ 0 1 1 0 0 0 0 0 0 0 1 Green Valley,AZ 0 if 1 0 n o n n 0 0 1 Litchfield Park,AZ 0 1 1 0 0 0 0 1 0 0 U Mesa,AZ 0 6 6 0 1 1 1 1 0 2 0 Oro Valley,AZ 0 1 1 0 0 0 0 1 0 0 0 Payson,AZ 0 2 2 0 0 0 0 1 0 11 0 Peoria,AZ 0 5 5 1 0 0 0 4 0 01 0 Page 17 (Note: A case may have multiple basis). As of Date: 6/13= Title VIII Cases Filed During Period of 10/1/98 to 5131100 County & State Complaints Filed with HUD Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Phoenix,AZ 1 17, 40 10 0 9 0 21 0 2 1 Prescott,AZ C 3 0 0 0 0 3 0 0 0 Scottsdale,AZ 3 5 1 0 1 0 3 0 0 2 Surprise,AZ 0 11 1 01 0 01 0 It 01 0 0 empe,AZ 0 4 4 11 c 11 11 01 01 1 0 ucson,AZ 0 28 28 61 01 2 31 141 0 4 4 uma,AZ 0 2 21 01 01 01 01 0 01 2 0 Fiscal Year 2000 -California Adelanto,CA 0 1 1 01 01 0 0 0 0 1 0 Iameda,CA 0 1 1 01 01 0 0 0 0 1 0 iso Viejo,CA 0 1 1 01 01 0 0 1 0 0 0 Alta Loma,CA 0 1 1 0 01 0 0 1 0 0 1 Itadena,CA 0 1 1 1 01 0 0 0 0 0 0 Anaheim,CA 0 31 3 1 01 0 0 1 1 0 0 tioch,CA 0 2 2 0 0 0 0 11 OF-1 0 Arcadia,CA 0 1 1 0 0 0 0 1 01 0 0 rcata,CA 0 2 2 1 0 0 1 0 0 0 1 tascadero,CA 0 1 1 0 0 0 0 1 01 0 0 Page 18 (Note: A case may have multiple basis). As of Date: 6113100 Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton ubum,CA 1 2 3 0 0 0 2 1 0 0 0 Bakersfield,CA 0 2 2 1 0 1 0 0 0 0 Banriing,CA 0 1 1 C 0 0 0 1 0 0 0 Barstow,CA 0 11 1 Of 01 0 1 0 01 0 1 Bell Gardens,CA 0 1 1 01 01 1 01 0 01 0 0 Bellflower,CA 0 51 5 31 01 2 01 0 0 0 0 Benicia,CA 0 11 1 01 01 0 1 0 0 0 0 Berkeley,CA 0 5 5 3 01 1 0 3 0 0 0 Bermuda Dunes,CA 0 1 1 0 01 1 0 0 0 0 0 Beverly Hills,CA 0 2 2 0 0 0 0 2 0 0 0 Broderick,CA 0 1 1 1 0 0 0 0 0 01 0 Camarillo,CA 0 1 1 0 0 0 0 0 01 1 0 Campbell,CA U 1 1 0 0 1 U U U U 0 Canoga Park,CA 0 11 1 0 0 0 0 0 0 1 0 Capitola,CA U 2 2 0 U U U 1 U 1 U Cadsbad,CA 0 1 1 0 0 0 0 1 0 0 0 Carmel By The Sea,CA 0 1 1 0 0 0 0 0 Cl 0 1 Carmel,CA 0 2 2 0 0 0 0 0 0 2 0 Page 19 (Note: A case may have multiple basis). As of Date: 8113M Title VIII Cases Filed During Period of 10/1/98 to 5131/00 County & State Complaints Filed with HUD Complaints Filed FHAP with Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Carmichael,CA 0 1 1 0 0 0 0 1 0 1 0 Carson,CA 0 31 3 1 0 1 0 0 0 1 0 Castro Valley,CA 0 1 1 0 0 0 0 0 0 1 0 Chatsworth,CA 0 11 1 01 0 0 01 0 11 01 1 Chico,CA 0 21 2 11 0 1 01 0 01 01 0 Chula Vista,CA 0 3 3 0 0 2 11 1 0 01 0 Citrus Heights,CA 0 11 1 0 0 0 11 0 0 01 0 Claremont,CA 0 2 2 0 0 0 01 1 0 1 0 Cloverdale,CA 0 1 1 0 0 0 01 1 0 0 0 Colton,CA 0 1 1 1 0 0 0 0 0 0 0 Concord,CA 0 1 1 1 01 0 0 0 0 0 0 Corona,CA 0 1 1 11 01 0 0 0 0 0 0 Corte Madera,CA 0 1 1 0 01 0 0 0 0 1 _ 0 Covina,CA 0 121 12 1 01 0 0 0 0 11 0 Culver City,CA 1 2 3 0 0 0 2 1 1 0 u Cupertino,CA 0 2 2 1 0 0 0 0 0 1 0 Cypress,CA 0 1 1 0 0 0 0 1 0 0 0 DavIs,CA 0 1 1 0 0 0 1 0 0 0 1 Page 20 (Note: A case may have multiple basis). As of Date: 6113M Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Delano,CA 0 1 1 1 0 0 0 0 0 20001 0 Downey,CA 0 1 1 0 0 0 0 1 0 0 Dublin,CA 0 1 1 1 0 0 0 0 0 0 0 Dunlap,CA 0 11 1 01 01 0 01 1 0 0 0 Eadiment,CA 0 1 1 0 01 1 0 0 0 0 0 Ell Cajon,CA 0 2 2 1 01 0 0 1 0 0 0 El Centro,CA 1 0 1 0 0 0 0 1 0 0 0 Ell Cerrito,CA 0 1 1 0 0 0 0 1 0 0 0 Ell Monte,CA 0 1 1 0 0 0 0 0 0 1 0 El Sobrante,CA 0 2 2 0 0 0 1 0 0 1 0 Elk Grove,CA 0 1 1 1 0 0 0 0 0 0 0 Encino,CA 0 21 2 0 0 0 0 0 0 2 0 Escondido,CA 1 5 6 4 0 U U 1 1 1 1 Fairfield,CA 0 3 3 1 0 U 0 U 1 2 0 Fontana,CA U 4 4 3 U U U U U 2 U Foster City,CA 0 1 1 0 0 0 0 1 0 French Camp,CA 0 1 1 UO 0 1 U 0 0 0 Fresno,CA 0 10 10 01 41 31 01 2 4 Page 21 (Note: A case may have multiple basis). As of Date: 6113M Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Gardena,CA 0 2 2 11 01 0 0 1 0 1 0 Glendale,CA 0 8 B 1 0 1 1 3 0 2 0 Glendora,CA 0 3 3 1 0 0 0 1 0 2 0 Goleta,CA 0 1 1 0 0 0 01 0 0 1 0 Greenbrae,CA 0 11 1 0 0 1 0 0 0 0 0 Greenville,CA 0 1 1 0 0 0 0 1 0 01 0 Hawthome,CA 0 3 3 0 0 1 0 1 0 1 0 Hayward,CA 0 3 3 3 0 0 0 0 0 0 0 Hespeda,CA 0 1 1 1 0 0 0 0 1 0 0 Highland,CA 0 3 3 1 0 0 0 1 0 1 0 Hollywood,CA 0 4 4 2 0 0 11 1 0 1 0 Huntington Beach,CA 0 11 1 0 0 0 01 0 0 1 0 Imperial Beach,CA U 3 31 1 1 1 01 1 U U U Indio,CA 0 11 1 11 01 0 01 0 U 0 U Inglewood,t;A u 2 21 11 01 ul ul 0 U 1 0 lrvine,CA 0 1 1 1 0 0 0 0 0 0 0 Kelseyville,CA 0 2 2 1 0 0 1 0 0 0 0 Kensington,CA 0 1 1 0 0 0 0 0 0 1 0 Page 22 (Note: A case may have multiple basis). As of Date: 6113M Title VHI Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton LA,CA 0 1 1 0 0 0 0 1 0 0 0 Lancaster,CA 0 3 3 2 0 0 0 0 0 2 0 Larkspur,CA 0 1 1 0 0 0 0 C 0 1 0 Leucadia,CA 0 1 1 1 0 0 0 0 0 0 0 Livermore,CA 0 1 1 0 0 0 0 0 0 1 0 Lodi,CA 0 11 1 0 0 0 0 1 0 0 0 Long Beach,CA 0 221 22 7 0 1 3 5 0 7 3 Loomis,CA 0 1 1 0 0 0 0 0 0 1 0 Los Altos,CA 0 1 1 1 0 0 0 0 0 0 0 Los Angeles,CA 2 45 47 12 0 11 7 10 1 17 2 Madera,CA 0 3 3 1 0 0 21 0 0 0 0 Manteca,CA 0 1 1 0 0 0 01 0 0 1 0 Martinez,CA 0 1 1 U U U 1 0 0 Marysville,CA 0 1 1 0 0 0 U 1 0 Merced,C:A U 2 2 1 0 U U 1 0 Mill Valley,CA 0 1 1 0 floo 1 0 0 0 0 Mira Loma,CA 0 1 1 1 0 0 0 0 0 Modesto,CA 1 4 5 3 11 1 0 1 0 Page 23 (Note: A case may have multiple basis). As of Dale: 6113r00 Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliator Montclair,CA 0 2 2 2 0 0 0 0 0 0 0 Monterey Park,CA 0 2 2 0 0 2 0 C 0 0 0 Monterey,CA 0 2 2 0 0 0 1 1 0 0 0 Moreno Valley,CA 0 4 4 4 0 0 0 0 0 0 1 Morgan Hill,CA 0 2 2 0 0 2 0 0 0 0 0 Morongo Valley,CA 0 1 1 0 0 0 1 0 0 0 1 Murphys,CA 0 1 1 1 0 0 0 0 0 0 0 Napa Valley,CA 0 1 1 0 0 0 0 0 0 1 0 Napa,CA 0 1 1 0 0 0 1 0 0 0 1 Newark,CA 0 1 1 0 0 1 0 0 0 0 0 Nilands,CA 0 1 1 0 0 1 0 0 0 0 0 North Hills,CA 0 1L. 1 0 0 1 0 0 0 0 0 North Hollywood,CA 0 4i 4 2 U 0 1 U U 1 U Northridge,CA 1 0 21 2 1 U 1 0 0 01 0 U Norwalk,CA U 2 2 U U 0 1 0 U 1 U Oakland,CA 0 15 15 5 0 1 1 5 0 6 0 Oakley,CA 0 1 1 0 0 0 0 1 0 0 0 Oceanside,CA 1 4 5 0 0 1 0 4 0 2 1 Page 24 (Note: A case may have multiple basis). As or Date: 6/13M Title VIII Cases Filed During Period of 10/1/98 to 5131100 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Ontario,CA 1 2 3 21 01 01 1 0 1 0 Orange,CA 0 2 2 1 0 0 11 0 0 0 0 Oroville,CA 0 1 1 0 0 0 1 0 0 0 0 Palm Desert,CA 0 11 1 0 0 0 0 1 01 0 0 Palm Springs,CA 0 5 5 2 0 0 1 3 01 0 1 Palo Alto,CA 0 4 4 1 0 0 0 3 0 0 0 Pasadena,CA 0 3 3 1 0 1 0 1 0 1 0 Perris,CA 0 1 1 1 j 0 0 0 0 0 0 0 Petaluma,CA 0 1 1 01 0 0 01 1 0 0 0 Plnole,CA 0 1 1 0 0 0 01 1 0 01 0 Pomona,CA 0 2 2 1 0 0 01 0 0 11 0 Ramona,CA 0 1 1 0 0 0 01 1 0 0 0 Rancho Cordova,CA 0 5 5 4 U U 1 U U 1 1 Rancho Palos Verdes,CA 0 1 7 1 0 1 U U 0 0 0 Redding,CA U 1 1 U 0 U U 1 U 0 U Redondo Beach,CA 0 1 1 0 0 0 0 1 0 1 0 Redwood City,CA 0 2 2 1 0 1 1 0 0 1 0 Reseda,CA 0 1 1 0 0 0 0 1 0 0 0 Page 25 (Note: A case may have multiple basis). Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 As of Date: 6113100 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Rialto,CA 0 2 2 1 0 0 0 0 0 1 1 Richmond,CA 0 1 1 0 0 0 0 1 0 0 0 Riverside,CA 1 5 6 1 0 —2-1-1 0 1 0 Rohnert Park,CA 0 2 2 01 0 0 01 1 0 11 0 Roseda,CA 0 1 1 01 0 0 0 0 0 11 0 Sacramento,CA 2 21 23 6 0 1 4 91 3 21 1 Sallnas,CA 0 3 3 1 01 0 0 1 0 11 0 San Bemardino,CA 1 4 5 3 01 1 0 1 0 0 0 San Cados,CA 0 1 1 0 01 0 1 0 0 0 0 San Diego,CA 2 17 19 2 01 1 1 15 0 4 3 San Francisco,CA 4 13 17 2 3 5 7 0 1 2 San Gabriel,CA 0 2 2 2 1 0 0 1 0 0 San Jose,CA 3 15 16 60 ro 1 2 5 1 3 3 San Leandro,CA U 1 1 1 0 0 0 0 0 0 San Marcos,CA U 1 1 D U U 1 0 0 p San Pablo,CA 0 1 1 01 0 0 1 0 0 0 San Pedro,CA 0 11 1 11 01 01 0 0 0 0 U San Rafael, CA 0 3 31 01 01 01 01 1 0 2 0 Page 26 (Note: A case may have multiple basis). As of Date: 6113M Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed.with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton Santa Ana,CA 0 2 2 0 0 1 0 1 0 0 0 Santa Clara,CA 0 2 2 1 0 1 0 0 0 0 Santa Cruz,CA 0 4 4 0 0 0 0 3 1 0 0 Santa Maria,CA 0 11 1 0 01 0 01 0 01 1 0 Santa Monica,CA 0 1 1 01 01 0 01 1 0 1 0 Santa Rosa,CA 0 3 3 01 01 2 01 1 0 0 0 Shasta Lake,CA 0 1 1 0 0 0 0 0 0 1 0 Sherman Oaks,CA 2 3 5 0 0 2 0 1 1 2 0 Simi Valley,CA 0 1 1 0 0 0 0 1 0 0 0 Soledad,CA 0 1 1 0 0 0 0 0 0 1 0 Sonoma,CA 0 1 1 0 0 0 0 0 0 1 0 South San Francisco,CA 0 2 2 0 0 0 0 0 0 2 0 Spring Valley,CA 0 2 2 1 0 U 1 U U 0 0 Stockton,CA 0 3 3 3 0 0 0 0 0 0 0 Sunnyvale,CA U 2 21 1 U U 0 1 U U U Sylmar,CA 0 1 1 1 0 0 0 0 0 01 0 Temecula,CA 0 1 1 0 0 0 0 0 0 1 0 Thousand Oaks,CA 01 11 1 0 0 0 0 -0 1, 11 0 Page 27 (Note: A case may have multiple basis). As or Date: 6113M Title VIII Cases Filed During Period of 1011/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Status Retaliaton orrance,CA 0 3 3 1 01 01 0 3 0 ulare,CA 0 1 1 1 0 0 1 0 0 0 0 urlock,CA 0 2 2 2 0 0 0 0 0 0 0 Ukiah,CA 1 1 2 1 0 0 0 1 01 0 0 Vacaville,CA 0 2 2 0 0 0 0 0 01 2 0 allejo,CA 0 3 3 2 0 0 0 1 0 0 0 Valley Village,CA 0 1 1 1 1 1 0 0 0 0 0 Van Nuys,CA 0 51 5 21 01 2 1 0 1 1 0 entura,CA 0 2 2 0 01 0 0 1 0 1 0 Visalia,CA 0 2 2 1 0 1 1 0 0 0 1 tsta,CA 0 4 4 1 0 0 0 1 0 2 0 Walnut Creek,CA 0 2 2 1 0 0 01 1 0 0 0 West Sacramento,CA 0 1 1 0 0 0 01 0 0 1 0 Whittier,CA 0 1 1 0 0 0 0 1 0 0 0 Wdlows,CA u i 11 0 0 0 1 0 u 0 U Woodland Hills,CA 1 0 1 0 0 0 0 1 0 0 0 Yorba Linda,CA 0 1 1 0 0 0 1 0 0 0 0 Yuba City,CA 0 1 1 0 0 0 0 1 0 0 0 Page 28 (Note: A case may have multiple basis). As or Date: 6r13100 Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 Total Filed County & State ComplaiMRIed Filed w HUDucca Race Color National Sex Disability Religion Familial Retaliaton Origin Status ValleyCA 1 0 0 01 0 0 0 1 0 Fiscal Year 2000 -Hawaii ea,Hl 0 1 1 0 01 0 1 01 0 0 0 Ewa,H1 1 0 1 0 0 0 0 1 0 0 0 Hawi,Hl 0 1 1 0 0 1 0 0 0 0 0 Hilo,Hl 0 1 1 0 0 0 0 0 0 1 0 Holuloa,Hl 0 1 1 0 0 1 0 0 0 0 0 Honokaa,Hl 0 1 1 0 0 0 0 0 0 1 0 Honolulu,Hl 0 91 9 3 1 1 0 4 0 0 1 Kailua-Kona,Hl 1 2 3 0 0 0 0 3 0 0 0 Kaneohe,Hl 0 1 1 0 0 0 1 0 0 0 0 Lihue,Hl 0 1 1 0 0 0 0 1 0 0 0 aimanalo,lll 1 01 1 0 0 0 0 1 0 0 0 Fiscal Year 2000 -Nevada Carson City,NV 1 0 1 1 0 01 01 01 01 1 0 Gardnerville,NV 1 0 1 0 0 0 0 1 0 0 0 Henderson,NV 1 0 1 0 0 0 0 1 0 0 0 Page 29 (Note: A case may have multiple basis). As of Date: 6/1& W Title VIII Cases Filed During Period of 10/1/98 to 5/31/00 County & State Complaints Filed with HUD Complaints Filed with FHAP Total Filed Race Color National Origin Sex Disability Religion Familial Retaliaton Status Incline Valley,NV 1 C 1 0 0 0 0 0 0 1 0 Las Vegas„NV 1 1 1 0 0 0 0 1 0 0 0 Las Vegas,NV 11 0 i 11 4 C 0 0 6 0 1 0 Laughlin,NV 1 01 1 0 01 0 01 1 01 1 0 Mesquite,NV 1 0 1 0 0 0 0 1 0 0 0 Reno,NV 4 0 4 2 0 1 0 0 0 1 0 Sparks,NV 3 0 3 1 0 0 0 2 0 0 0 erdi,NV 1 0 1 0 0 0 0 1 0 0 0 Page 30 (Note: A case may have multiple basis). MAYO * * * * * AVISODE SU COMENTARIO ES IMPORTANTE PARA MEJORAR LA SELECCION DE VIVIEND•A JUSTA EN EL CONDADO DE ORANGE For este media se les comunica que habrktres reuniones parr recibir sus comentarios pdblicos y sugerencias relacionado a la prepamcion de, un reporte del analisis regional de impedimentos a• In selecci6a de vivienda justa (AI) pars cienas juddicciones enue el condado de orange. Este-documento de planificaci6n es requerido para Ins gobiemos locales que reciben fondos federales. El propdsito de estas reuntones es pamjuruar informac16n y comentarios por escrito y orales con respecto a Is existencia, manera, grado y causas de problemas.de discnminaci6n de vivienda, si hubiem alguno, en el Condado de Orange, y las fuences disponibles o necesarias.pam resoiverl&, como Para proveer una selecci6n inejor de viviendajusta. Cualquierpersona interesada�en participar puede hacerse. presence en cualouiera de las reuntones mencionadas abajo, o puede someter comentarios por escnto en persona, por correo 0 oor correo electrdntco (a-rnail)..Un Ifmite de 5 minutos puede ser aplicado a la persona que habla. Solamente comentarios pertinentes a -la planiticac(6n de vivienda justa y al Al seri;n considerados: Problemas espec(licos de vivienda.y disputas no serdn reconocidos.;cahn en: _ .Mf4reoles,17deMayo.del 2000 a las 7 p.m. Fullerton City Council Chambers . 303 W. CommoriweaM Ave. (al mate de ttarbo6 Fullerton. CA 92832 jueves,18 de Mayo del 2000 a las 3:30 p.m. Fountain Valley City Council Chambers 10200 Slater Ave. (enue ermkhars(y ward) Fountain Valley, CA 92708 Midreoles„24 de Mayo del 2000 a las 7. p.m. Irvine Ranch Water District headquarters 15600 Sand Canyon Ave. (enn ei twy s y 405) Irvine, CA 92618 Diriga su.comentario por escrito al: Fair Housing Council of Orange County 201 S. Broadway Santa Ana. CA 92701-5633 Atm: AI subanssions (Spanish) correo electr6nico: fmrhsg@ix.netcom.com Para mils informacidn o si requiere alguna acomodaci6n razonable para atender estas reunions, por favor hable con Olga Layne del Fair Housing Council -Al (714) 569-0823 x 212 o por correo electr6nico al fairhs2@ix.netcom.com. Asistencia biline0e•(EspafioVtngids y Vietnames/IngUs) estara disponible. M NGllC i VI T CHO NHAT - S6 5272 - 14 2000 .01 thdng Tu nam Canh ***** Thong BAo Ve Ca'c Buoi Hqp Cong C$ng ***** Cac Ph@ Binh Cong Khai Cua Qdy Vj Cdn ThWt De Cii Thl4n Nhung Lda Chon Cho Wit De Cong Bang Nha Pho' Quin Cam Ba(3)budingpcdngc4ngdugcm&radeth9uthipc4cykiffin,ph6bmhcdngkhaicilsqudnchdngde"sfrasoancipnhat hda nhtt7ng phan tich tr6 ngai cho su Itra chgn ve van de "C6ng Bang Nha Ph3Cdc Dja Phudng" (Analysis of Impediments ='AI") thu¢c Quin Cam.'Cic tii li4u nay edn thiet cho kehoach ctia cde chink quyen dja phddng de hq cd thenh4n ditgc cdc ngin khoin tULien Bang. • MVc dfch cda cdc budi hqp nay is thiu thdp cic tin tic, phe binh"ndi mi4ng" ho4c "vdn thrt" ve nguyen nhin, tinh chficda su ky thi, ne'uc6, thuac quip Cam, vi cdc phudng phdp hi4n huu hoic clan thie'tdegiai quye't cdc true vac ngd hdu datdugcs4lVachgntdthim Cho sgc6ngbang giacit. Qdy Vj cd the vlet thd, dion thtf, ho¢c them dVmpt trong ba budihop tai cdc dia diem dudi day. Gidi han 5 phdt cho moi dien gta trong de tit ke:hoach gia cuvh AI ma th6i. Va'n de true tric vi tranh lu:in ve nhi pho'se kh6ng dugc bin den. Built hop tai cdc dia didm sau: ThOTtt, 17-5.2000, 7gib chieu tai Fullerton City Council Chambers 303 W. Commonwealth Ave. (Tdy dubng Harbor) FULLERTON, CA 92832 •• Thd Nam. I8.5-2000, 3:30 gib chieu tai Fountain Valley City Council Chambers 10200 Slater Ave., (GiFfa Brookhurst vi Ward) FOUNTAIN VALLEY, CA 92709 716 Tu, 24-5-2000. 7 gib Chico tat Irvine Ranch Water District Headquarters 15600 Sand Canyon Ave., (Gila 1-5 & 1.405) IRVINE, CA 92618 Hpie vict tho de nghj/gdp y gai vc dja chi sau: Fair Housing council of Orange County 201 S. Broadway SANTA ANA, CA 92701 ATTN: Al Submission HoAc e-mail: faiihsgyknetcom.com hlud'n biet them chi tiet hoic thle MAC ve cic buds hqp nay, .,dn Qdy W lift lac vdi Kh6I Ph@m tat &y Ban C6ng Bang Nhi Pho'Qudn Cam (FHCOC), di4n thoai s6(714) 569-0823 so'phu210, hoic e-mail ghi tren. Song ngti: La unh/Anh ngft, Viet ngiUAnh ngit. 1] THO SAU - SO 5270 - 12 thanq 5, 2000 (9 thanq Tu nam Canh Thin ***** Thong Ba0 Ve Cac Buoi Hop Cong CQng ***** •C5c Ph6 Binh Cong Khai Caa Qdy Vj C5n Thiel De Cai Thign Nhung Lda Chon Cho Van De Cong Bang Nhh Phi Quin Cam Ba (3) budi hqp cling cong dtfgc and ra de thiu thap cdc y kii n, phe binh cdng khai caa quan chdng de sita soan cap nhit hda nhitng phin tfch tre ngai cho sit lua chon ve v5n de "Cling Bang Nha Pho'CSe Din Phudng" (Analysis of Impediments ="AI") thu6c Quan Cam. Cac tai lion nay can thIA cho kehoach caa cdc chinh quyen dia phddng de ho c6 the nhin dude cac ngfin khoan Uf Lien Bang. 144c dfch caa cac budi h9p nay la thau thap cdc tin v3c,-phe binh"ndi mieng" hoac "v5n thu"' ve4 rguyen mien. drh chat caa ski ky thi, neu c6. thu6c quan Cam, va cdc ph rang phap hien hcru hoac can thiet de giai euve't edc t-uc trac ng6 hdu dat dtroc sif Ida chgn let hdn cho strc6ng bang gia cif. Qdy Vi cd the viet thd, dien thy, hoac thim diimot trong ba buoi h9p tat cdc dia diem dudi dey. Gidi hall 5 phut cho m6l Bien gia trong de tai ke hoach gia ctr va Alma th6i. Van de truc trac va tmnh luau ve nha pho'se kh6ng duac ban den. B, uoi hootaicdcdindiemsau: , ThdTtr. 17.5.2000. 7 gib chieu tai Fullerton City Council Chambers 303 W. Commonwealth Ave, (Tiv dubng Harbor) FULLERTON, CA 92832 Thu Nam. 18.5.2000.3:30 gill chieu tat Fountain Valley City Council Chambers 10200 Slater Ave.. fGiita Brookhurst v5 Ward) FOUNTAIN VALLEY. CA 92708 Thd,Tit. 24-5-2000. 7 gib chieu ui Irvine Ranch Water District Headquarters 15600 Sand Canyon Ave.. IGiCra 1-5 8c 1-405) IRVINE. CA 92618 Hoac vier this de nghtig6p 9 gdi ve din chi sau: Fair Housing council of Orange County 201 S. Broadway SANTA ANA, CA 92701 ATTN: AI Submission ' Haze e-mail: fairmgYix.netcom.com Vludn biet them chi tier hoac Ink mac ve' cdc budi hqp nay, xin Qdy vi lien Inc vol Khai Pham tai Uy Bun Cong Bung Nhs Pho' Quin Cam (FHCOC), diet thoai so"(714) 569-0813 so' phu 110, hoac e-mail ghi tren. Song ngo: La tinhlAnh ngo. Viet ngf7/Anh ngit. 0 L] 1] 0 The Orange County Register ORANGE COUNTY Tuesday, Afay 0, 2000 * * * * * PUBLIC• MEETING NOTICE * * * * * YOUR PUBLIC COMMENT IS DES);RED ON HOW TO IMPROVE FAIR HOUSING CHOICE IN ORANGE COUNTY Notice is hereby given of three meetings that will obtain public comments and input pertaining to the preparation of an Updated Regional Analysis of Impediments to Fair Housing Choice (AI) for cer- tain jurisdictions within Orange County. This planning document is required for local governments receiving federal funds under the Community Development Block Grant (CDBO), HOME. Emergency Shelter Grant (ESG) and Housing Opportunities for Persons with AIDS (HOPWA) programs. The purpose of these meetings is to gather information and written and oral comments regarding the existence. nature. extent and causes of housing discrimination problems. if an). in Orange County. and the resources available or needed to resolve them. so as to provide better fair housing choice. Anyone interested in participating may appear at any of the mepdngs listed below, or may submit writ- ten comments in person. by U.S. mail or by e-mail. A 5 minute limit per speaker may apply. Only comments germane to fair housing planning and the Al will be considered. Specific housing prob- lems or disputes will not be addressed. The meetings will be held at: Wednesday, May 17. 2000 at 7:00 p.m. Fullerton City Council Chambers 303 W Commonwealth Ave (west of Harbor) Fullerton, CA 92832 Thursday, May 18, 2000 at3:30 p.m. Fountain Valley City Council Chambers 10200 Slater Ave (Between Brooithunt & ward) Fountain Valley, CA 92708 Wednesday, May 24, 2000 at 7:00 p.m. Irvine Ranch Water District Headquarters 15600 Sand Canyon Ave (Between 1.5 & 1-405) Irvine. CA 92618 Direct Written Comments To: Fair Housing Council of Orange County 201 S. Broadway Santa Ana. CA 92701-5633 attn: AI submissions or e-mail: fairhsg@ix.netcom.com For additional information or if you require any reasonable accommodations to attend these meetings. please contact Olga Layne of the Fair Housine-Council at (714)•569.0823 x212 or by e-mail at fairhsg@ix.netcom.com. Bilingual (Spanish/English & Vietnamese/English) assistance will be available. - -_ Q 0 0 0 ESPECTACULOS Semana del 12'al 18 de mayo de 2000 • Excelsior del Condado ae Orange AVISO DE REUNION PUIILICA SU COMENTARIO ES IMPURTANTE PARA MEIORAR I.A SELECCION DE VIVIENDA JOSTA EN EL C.ONDADO DE ORANGE Por este medio se les comunica que habrl tres reunions pars recibir sus comentarios p6blicus y sugcMacias relacionado a la preparaciori de• un reporte del anilisis regional de impedimenlos a la seleccidn de vivienda justa (AI) para ciertas jundiccrones entre el.condado de oratrge. Este documento de phntificaciOn es requerido pare Jos gobiemos locales que rectben rondos federates. El prop6sito de estas reuniones es parajuntar inrormaci6n y comentarios por escnto y omles con respects a to existencia, manem. gmdo y. causes de problemas de discriminacr6n de vivienda, sr hubiera alguno, en el Condado de Orange, y las ruentes disponibles o neecsartas Pura resolverlas, como para proven una selecci6n mejor de vivtendajusta. . Cualquier persona interesada en parucipar puede hacerse preserve en cualqutera de [is reanioncs mencionadas ahajo, o puede son)eter comentarios por escnto en ocrsona. por corrco o por corrco e!ectronico (e-mail). Un Ifndte de 5 nrinutos puede ser aplicv,lo a In persona que habla. Solamente comentarios pertinentes•a la planificacidn de vivienda jusrb y at Al serdn cortsidenclus. Prublemas especificos de vivienda y disputas no serdn reconocidos. r qg le 11aaral, nobs ri,: MUrcoics, 17 de Mayo del 20110 a lac 7 p.m. Fullerton City Council Chambers 303 W. Commonwealth Ave. (it"cite de luthor) Fullerton. CA 92832 Jueves, I8 de Maya del 20011 a las 3:30 P.m Fountain Valley CJty Council Chambers 10200 Slater Ave. centre Bmkhursty Word) Fountain Valley, CA 92708 Miercules, 24 de Mayo del 2000 a ]as 7 p.m. Irvine Rancl4 Water District Ileadquarters ; 5600 Sand Canyon Ave. renre el n.y 5 y Jos) Irvine, CA 92618 Diriga su comentano por escriln it]: Fair Housing Council or Orange County 201 S. Broadway Santa Ana, CA 92701.5633 Attn: AI submissions (Spanish) a, corrco clectr6nlcu: rmrhsg@ix.nctcom.eom Para mils mrormae,idn u si rcuu;cre aiguna acnmadacidn nizonnhic purm atctldcr citas rennlnncs. pm savor hable con Olga Layne del Fair Housing Council at (714) 569.0823 s 212 o por corrco elecuvnico al rairhsg@Ix.netcom.com. Asistenaa bding0c (Esoa60l/Inglds y Viemames/Inglds) estara danonible. • ,r 181 El Camino Real, Tustin, CA 92680 P.O. Box C-19512, Irvine, California 92713 Phone (714) 250-3293 Authddzed to publish advertisements of all k0tds, including pudic notices, by Decree of the Superior court of Orange County, Calilomia. Number A 161776 dated 17 May. I M. STATE OF CALIFORNIA Public Notice Advertising covered by this aMadavit is set in 6 pant with County of Orange 17 plea column width. I am a citizen of the United States and a resident of the County aforesaid; I am over the age of eighteen years, and not a parry to or interested in the below entitled matter. I am a principal clerk of the TUSTIN WEEKLY, a newspaper of general circulation, printed and published in the County of Orange, State of California, and that a Notice of Public Notice of which copy attached hereto is a true and complete copy, was printed and published in the Tustin Weekly for one consecutive weeks to -wit the issue(s) of ;4A i i , ,2noC,-- f I declare, under penalty of perjury, that the foregoing is true and correct. itecuted on da 1 P �n vine, California. 1 n . This space is for the County Clerks Fling Stamp proof of Publication. of - PUBLIC NOTICE YOUR PUBLIC COMMENT IS DESIRED ON HOW TO IMPROVE FAIR HOUSING CHOICE IN ORANGE COUNTY Notice is hereby given of three meetings that writ obtain pudic comments and input pertaining to the oreparabor of an Updated Regional Analysis of Impediments to Fair Housing Choice (All for Certain jurisdiction Munn Orange County, This planning document is redmred for local yovornments receiving federal funds under the Community De, velopmem Elect Grant ICDBG), HOME, Emergency Sheller Grant (ESGI and Hawing Opportunities for Persons wrR AIDS (HOP WAI programs The purpose of these meetings is to gather information and women am oral comments regarding the existence nature. went and causes of homing Discrimination problems. if any, in Orange County, and me resources available dl needed:d resolve them, so 0 to provide boner far mowing owe. Anyone meresmd In oanidootilg may Water at any of live meelings listed below, or may submit wriden edm meets in person, oy U S. ma, or by email. AS minute emit per speaker may angry. Only comments germane to fa.t housing warming d I the At will be considered. SM111C homing problems or disputes will not per adcrossea. The meetings w91 W moll at: Wednesday, May 17,2DDD at 700 p.m.' ' Finnan City Council Chambers 303 W. Cemmomvealih Ave. tWest of Harbor) Fullerton, CA 92832 Thursday, May 18, 2000. at 330 a.m. Fountain Valley City Council Chambers 10200 Slaler Ave. (Between Brookdurst a Ward) Fountgin Valley, CA 92708 Wednesday, May 24, 2000. at 7.00 p.m. Irene Rarltlf Water Oisbkd HeadOuaters 15600 Sand Canyon Ave. (Between 1.5 a 1405) Imne, CA 926IS Direct Written Comments To: Fair Housing Council of Orange County 201 S. Broadway Santa Ana, CA 92701.5633 aarl:Al simm°slons err emed: WhsgOix.nelcom.cem For additional information or if you require an9 reasonable accommodallons to ¢bend these meetings, please Can - tact Olga Layne of the Fan Homing Council at (7fe) 569-0823 x212 at by e-mail at larhsq(@Ix.nelcam.cam. Bilingual (SpomsNEnglisn a Vletnamme/EnglShl Munance volt be available. Puowned Tustin Weekly May f 2000 (Signature) PROOF OF PUFUCATION TECHNICAL APPENDIX P • Maps Technical Appendix P MAPS Orange County Jurisdictional Boundaries Low and Moderate Income Areas Racial and Ethnic Concentration Areas Rental Unit Overcrowding & Low & Moderate Income Areas Owner Unit Overcrowding & Low & Moderate Income Areas Rental Unit Overcrowding & Racial & Ethnic Concentration Areas Owner Unit Overcrowding & Racial & Ethnic Concentration Areas is Renter Overpayment & Low & Moderate Income Areas Renter Overpayment & Racial & Ethnic Concentration Areas Owner Overpayment & Low & Moderate Income Areas Owner Overpayment & Racial & Ethnic Concentration Areas Average Household Size & Low & Moderate Income Areas Average Household Size & Racial & Ethnic Concentration Areas Median Home Value & Low & Moderate Income Areas Median Home Value & Racial and Ethnic Concentration Areas Median Gross Rent & Low & Moderate Income Areas Median Gross Rent & Racial & Ethnic Concentration Areas 0 E INSERT L • Los. Lrgeles ('mutly Gty Boundary Census Tract Boundary t ow'Moderate Income Area NOTE Typical threshold for Lax/Mod area is set at 51 percent of population earning Lax and Moderate Intmre: however, rrost Orange County cone nunities we -e cg:rticn' cities where their Low/Mod thresholds are sel bdow 5i percent. San Benrmtlino C'mmm Riverside ('nunn i ('les elmld S'arimml Forest I San Clemente San Diego ('auun Figure 2 Low and Moderate inoome Areas • NOTE. A concentration is defined as a census tract whose proportion of minority households is abae the County average of 24.2 percent. Ahigh concentration is defined as a census tract whose proportion of minority households is at least double the County aw age _ I Rwe.aidr co.,m� I I Cleeelaed Nadonal Fans$ m DkSo Comm Figure 3 Racial and Whnic Concentration Areas 0 City Boundary Census Tract Boundary LowWoderate Income Area One overcrowded rental unit NOTE: Unit overcrowding is defined by HUD as a housing unit occupied by more than 1 Person per mom ----------- Figure 4s Rental Unit Overcrowding anc Low and Moderate Income Areas Orange County FW Housino Assessmer 0 4P (, l" Census Tract Boundary Low/Moderate Income Area NOTE: Unit overcrowdng is defined by HUD One overcrowded rental unit as a housing unit occupied by nnore than 1 person par room. Figure 4 Rental Unit Overcrowding an Low and Moderai Income Area Oranpe County Far HausinpAssessn 0 0 City Boundary i�Census i Tract Boundary Low/Moderate Income Area One overcrowded unit NOTE: Unit overcrowding is defined by HUD as a housing unit occupied by more than 1 Figure 5a Owner Unit Overorowding and Low and Moderate inoome Areas `0 10 r0 rl Census Tract Boundary Low/Moderate Income Area NOTE: Unit overcrowding is defined by HUD �! One overcrowded unit as a housing unit occupied by more than i - J person per room. Figure 5 Owner Unit Overorowding an Low and Moderai inoom_e_ Area Orange County fa4 Housing Assessm City Boundary Census Tract Boundary Concentration High Concentration One overcrowded rental unit NOTE: Unit overcrowding is defined by HUD as a housing unit occupied by more than 1 person per room. NOTE. A concentration is defined as a census tract whose proportion of minority households is above the County average of 24.2 percent. A high concentration is defined as a census tract whose proportion of minority households is at least double the County average. Figure 6 Rental Unit Overcrowding an Racial and Ethni Concentration Area Orange county Fair Housppauew 1 person per room. Concentration ' NOTE: A concentration is defined as a census tract whose proportion of minority households is above the High Concentration County average of 24.2 percent. A high concentration is defined as a census tract whose or000rtion of One overcrowded rental unit minority households is at least double the County average. Figure 6 Rental Unit Overcrowding ar Racial and Ethn Concentration Ares Ompe County Far Housfnp Assam Oty Boundary ilJ Census Tract Boundary Concentration High Concentration �j One overcrowded unit NOTE. Unit overcrowding is defined by HUD as a housing unit occupied by more than t person per room. NOTE: A concentration is defined as a census tract whose proportion of minority households is above the County average of 24.2 percent. A high concentration is defined as a census tract whose proportion of minority households is at least double the County average, Figure 7a Owner Unit Overcrowding and Racial and Ethnic Concentration Areas Ormoe County hdr HouslnoAssessme i 0 • C �] Concentration High Concentration One overcrowded unit as a nousing unit oaptipiep oy more man 1 parson per room. NOTE: A concentration is defined as a census tract whose proportion of minority, households is above the County average of 24.2 percent. A high concentration is defined as a census tract whom proportion of minority households is at least double the County average. Figure 71 Owner Unit Overorowding anc Raoial and Ethnic Oonoentration Aram Orange Count' Far HousingAssessme :; � Cry Boundary Census Tract Boundary LowrModerate Income Area NOTE. Unit overpayment is defined as any household paying more than 30 percent of gross income on One Overpaying housing costs. Renter Household 1 Figure 8i Renter Overpayment ant Low and Moderati inoome Area: Orange County FO Housing Assessm Census Tract Boundary - NOTEUral overpayment is defined as any household paying more than 30 percent of gross income on housing costs _... .. Low/Moderate Income Area One Overpaying Renter Household Figure B Renter Overpayment an Low and Moderal inoome Area Orange County Fair Housing ksessrr • (�l1�/;City Boundary /( Census Tract Boundary Concentration NOTE: A concentration is defined as a census tract whose proportion of minority households Is above the High Concentration County average of 24 2 percent. A high concentration is defined as a census tract whose orocortion of One Overpaying minority households is at least double the County average Renter Household NOTE: Housing overpayment is defined as any household paying more than 30 percent of gross income on housing costs. a Figure 9 Renter Overpayment an Racial and Ethni Concentration Area Oratpe County Fag Hoosnp Assessm i i • NOTE: A concentration is defined as a census tract whose proportion of minority households,s above the County average of 24.2 percent. A high concentration is defined as a census tract whose proportion of minority households is at least double the County average. Concentration High Concentration One Overpaying -- -_ Renter Household Figure 91 Renter Overpayment any Racial and Ethnic Concentration Areas Onnpe County Fair Hosing Assessn • City Boundary Census Tract Boundary Low/Moderate Income Area One Overpaying Owner Household NOTE. Housing overpayment is defined as any household paying more then 30 percent of gross income on housing costs Figure 10 owner overpayment an Low and Moderal Infoome Area &&7ge County Fair Housing Assen Census Tract Boundary Figure 101: - Low/Moderate Income Area Owner Overpayment anc NOTE: Housing overpayment is defined as any household Low and Moderatc j—j One Overpaying paying more than 30 percent of gross income on housing i noome Area F - Owner Household costs. Orange County Fair HousinpAssaw City Boundary r Census Tract Boundary NOTE: Housing overpayment is defined as any household paying more than 30 percent of gross income on housing costs. j Concentration NOTE: A concentration is defined as a census tract f whose proportion of minority households is above the County average of 24.2 percent. A high concentration High Concentration is defined as a census tract whose proportion of minority households is at least double the County average r-I ' One Overpaying Owner Household Figure 7 1 Owner Overpayment an Racial and Ethni Concentration Area - ----- - Orange Canty Fair Housing Assessn \ �Aatl on I M T aka Forest 4 ,I ills; fission Vlel '..r .. , aHlllat _ POCIfIC i ONGIN r Beach ,•T. is una N uel +� San Juan Gptaualto ,�, City Boundary i Census Tract Boundary Concentration High Concentration OneOverpaying � Owneref Household Cana PointW. n'-.i`"i' San OiKa '.�, Cwary NOTE. Housing overpayment is defined as any household paying more than 30 percent of gross incorne on housing costs. NOTE: A concentration is defined as a census tract whose proportion of minority households is above the County average of 24,2 percent. A high concentration Is defined as a census tract whose rropurtlon of minority households is at least double the County average. Figure 7 1 b owner overpayment and Racial and Ethnic concentration Areas Orange County Farr Housing Assessme 0 LaHabla` Brea Los anselo� Courts -- ZZ . Yorba_Llnda Fullerton Placentla Buena Park �- a Palma - [; 1. r _ Anaheim Cypress Cypress D la Park clamcnH" Los Alamitos - anc- -- Ga,dec Grove Westminster -y 0 'Seat Beach _l t Sanla Ana Tus,in r _._.. Fountain Valley I Costa Mesa; City Boundary iCensus Tract Boundary <= 2.00 persons per household ® Low and Moderate Income Area 2.01-4.00 persons per household ® 4.01-6.00 persona per household ® > 6.00 persons per household Snn Bernmdino County Figure 12s Average Household SizF and Low and Moderaft Inoome Areas Orange County far Housing Assessmen Ask a. City Boundary Census Tract Boundary <= 2.00 persons per household 2.01-4.00 persons per household - 4.01-6.00 persons per household - > 6.00 persons per household Low and Moderate Income Area ptr„�d Vcnonnf F'are.rr Figure 121 Average Household Siz, and Low and Moderate Inoome Area Orange Cowfy fair Housinpassew, City Boundary Census Tract Boundary <= 2.00 persons per household 2,01.4.00 persons per household - 4,01-6.00 persons per household - > 6.00 persons per nouseholC mConcentration Areas NOTE: A concentration is defined as a census tract whose proportion of minority households is above the County average of 24.2 percent Figure 13 Average Household Siz and Raclai and Ethni Concentration Area Ormae Cowty Far Hoonno Assessr t o.•.ingala.+Qnmr L3 Habra ( Brea t1 ��----YCCcrba Linda FOar ton - C Buena Park - ._ Falrrzi j Anaheim s ,yoress Villa Party Ag Clanton _ems Alamitos Orange t o .ICJ 'Carder Grove - Weslminsler ', L - 'Seal beach• j - Santa Ana � Fawra,-lcliey � L1 Hurlircion Beach `--?- . .Costa Mesa �.. City Boundary OCensus Tract Boundary a= $129.800 (affordable to 80% MR) ® Low and Moderate Income Area $I M801 - $194, 700 (affordable to 120% MR) No Data Available ® $194,701 - $259.700 (affordable to 160% MFI) _ > $259,700 (affordable to > 160% MFI) Iar Hr, i - 'cun�o s Figure 14& Median Home Va1u4 and Low and Moderatf Inoome Areas 0ranae County Fair HoushrigAssecan r Aft City Boundary Census Tract Boundary L <= $129,800 (affordable to 80% MR) ® Low and Moderate Income Area $129,801 - $194,700 (affordable to 120% MR) No Data Available $194,701 - $259:700 (affordable to 160% MR) - > $259,700 (affordable to > 160% MFI) Figure 141 Median Home Valu4 and Low and Moderato Inoome Arew Ormpe Count' fa4 Hoeslnp As esvr Qty Boundary I/ I Census Tract Boundary <= $129,800 (affordable to 80% MR) ® $129,801 • $194,700 (affordable to 120% MR) - $194,701 • S259.700 (affordable to 160% MR) - > $259,700 (affordable to > 160% MFp I > i Low and Moderate Income Area No Data Available Figure 141 Median Home Value and Low and Moderate Inoome Areas 0" County Fa4 HouaingAssessrr • i i City Boundary i� Census Tract Boundary a= $129,800 (affordable to 80% MFl) Lt- 7 $129,801 - $194, 700 (affordable to 120% MR) ® $194,701 - $259,700 (affordable to 160% MR) - > $259,700 (affordable to > 160% MR) Concentration Areas No Data Available NOTE: A concentration is defined as a census tract whose proportion of minority households is above the County average of 24.2 percent. -OU.0' Figure IS Median Home Valu and Racial and Ethni Concentration Area fkerpe County Fair Housing Awessrrn © City Boundary Census Tract Boundary <_ $129,800 (affordable to 80% MR) $129,801 - $194,700 (affordable to 120% MR) - $194,701-$259,700(affordable to 160%MFI) - > $259,700 (affordable to > 160% MFI) Concentration Areas CNo Data Available NOTE: A concentration is defined as a census tract whose proportion of minority, households is above the County average of 24.2 percent. Figure 1 a Median Home Valu and Raolal and Ethni Concentration Area Orange Counry Fair HousinpAssessn Loa Angeles Count hlabra _ Brea Ful lenx uana Fara ^-� _d Fama ' Andhelm Cpe55 l P v Y YiUa Park �Gaider Grcre W'eslminsler Sea'. Beacr { 1 - Santa Ma _ �Tuslin Founlan Valley t_ L Huntington Beach -- �Osla Mesa City Boundary Census Tract Boundary !! <= $600 ® Low and Moderate Income Area $601 - $800 C No Data Available - $801 - $1.000 - > $1.000 Son Bo w dins Counp• Figure 16 Median Gross Rei and Low and Moderai Inoome Area _ Orange County Fair Housing Assessn City Boundary Census Tract Bounaary <_ $600 _— $601 - $800 $801-$1,000 > $1,000 Low and Moderate Income Area No Data Available Figure IS Median Gross Rer and Low and Moderat Inoome Area Ormge County Fair Housing Assessm City Boundary Census Tract Boundary — — < _ $600 ---- $601 - $800 $801 - $1,000 > $1.000 ® Concentration Areas 77 No Data Available NOTE: A concentration is defined as a census tract whose proportion of minority households is above the County average of 24.2 percent. Figure 17+ Median Gross Rer and Raoial and Ethni Oonoentration Area Orange County Fair HousingAssessmi Ah A& / City Boundary - Census Tract Boundary ------- <-: $600 --- Concentration Areas --. _--- $601 - $600 _--'--. No Data Available $801 - $1.000 NOTE A concentration is defined as a census tract �— Whose proportion of minority h0useholds is above the $1.000 County amage of 24.2 percent -ortrsr Figure 17 Median Gross Rer and Racial and Ethni Concentration Area aanpe County Fab Housing Assesvn TECHNICAL APPENDIX Q Fair Housing Council of Orange County Data and information 0 Technical Appendix Q Fair Housing Council of Orange County Data & Information FHCOC Data Contracts Compliance Division 1999.00 Contracts Compliance Division 1998-99 Contracts Compliance Division 1997.98 Contracts Compliance Division 1996.97 Chart: FHCOC Organizational Chart FHCOC Discrimination Complaint Process Chart 0 11, • FAiR HousrNG CouNcm OF ORANGE COUNTY 201 S. Broadway ' Santa Ana, CA 92701 Phone: 714/569-0823 ' Fax: 714/835-0281 FAIR HOUSING COUNCIL OF ORANGE COUNTY, INC. The Fair Housing Council of Orange County (FHCOC) is a private non-profit corporation governed by a volunteer board of directors. It was founded in 1965 to support and further Federal, State and other Fair Housing Laws and policies. The Council is also a member of the National Fair Housing Alliance. To date, FHCOC's evidence of Fair Housing violations has been successfully used by the U.S. Dept. of Justice, U.S. Dept. of HUD, by the State Department of Fair Employment and Housing and by private attorneys in Federal and State Courts. Under the leadership of the current Executive Director, this agency has prevailed in all Fair Housing Cases in which this organization was a named party. FAIR HOUSING SERVICES - The following services are available to low to moderate- 9 income clients free of charge and to others for a moderate charge. . COMMUNITY EDUCATION - [275 presentations reaching 6,807 last FY] activities include: a newsletter, public meetings, training programs for both the public and housing professionals, such as Realtors, apartment managers and owners, and lending institutions, plus an annual equal opportunity theme poster/essay contest for school children. FAIR HOUSING COMPLIANCE - [788 served last FY] activities include: counseling, investigation, verification and when appropriate conciliation or prosecution of verified incidents of housing discrimination. TENANT LEGAL ASSISTANCE - [52 cases last FY] - provides legal representation in certain housing actions determined to impact housing. They may include an unlawful detainer involving substandard conditions, discrimination or retaliation. LANDLORD/TENANT DISPUTE RESOLUTION - [25,852-served last FY] assists landlords and tenants in resolving disputes and answering questions regarding the parties' rights and responsibilities. • MEDIATION PROGRAM - [500 conciliation/mediations last FY] - provides mediation and conciliation services to the community. Certified mediators assist the housing industry to resolve disputes without litigation. Annual Fiscal Year 1999/00 All Contracts Compliance Division is Total Contacts: 788 Age 29 Intake 102 Child/Family 233 Investigation 173 Handicap 98 Test 29 Marital Status 23 Resolved w/o Referral 110 National Origin 183 Other 286 Race 271 Mediation 9 Religion 23 DFEH 16 Color 27 Dept of HUD 7 Sexual Orientation 10 Landlord/Tenant 0 Other 184 Private Attorney/LAS 0 Failure to Proceed 34 Litigation 0 Review 315 Total: 11081 Total: 1,081 Anglo 291- 36% Tenants 746 - 94% Hispanic 296 - 37% Managers 21 - 2% Black 108 - 13% Owners 12 - 2% Asian 43 - 5% Motel 6 - 1% Am. Indian 4 - 4% Homeless 0 - 0% Other 46 - 5% Other 3 - 1% Below 50% of Median 540 - 69% Word of Mouth 295 - 38% Below 80% of Median 170 - 22% Private Business 22 - 3% Above 80% of Median 78 - 9% Local Government 197 - 24% Community Education 274 - 35% Single Parent Female 84 - 13% Annual Fiscal Year 1998/99 All Contracts Compliance Division Total Contacts: 523 Age 18 Intake 68 Child/Family 157 Investigation 142 Handicap 63 Test 15 Marital Status 20 Resolved w/o Referral 73 National Origin 96 Other 116 Race 226 Mediation 10 Religion 4 DFEH 8 Color 4 Dept of HUD 1 Sexual Orientation 7 Landlord/Tenant 0 Other 104 Private Attorney/LAS 1 Failure to Proceed 22 Litigation 0 Review 243 Total: 699 Total: 699 Anglo 222 - 42% Tenants 478 - 91% Hispanic 109 - 21% Managers 13 - 2% Black 157 - 30% Owners 12 - 2% Asian 20 a 4% Motel 8 - 2% Am. Indian 4 - 1% Homeless 8 - 2% Other 11- 2% Other 4 -1% Below 50% of Median 418 - 80% Word of Mouth 135 - 24% Below 80% of Median 73 - 14% Private Business 15 - 3% Above 80% of Median 32 = 6% Local Government 183 - 35% Community Education 190 - 38% Single Parent Female 73 - 14% Annual Fiscal Year 1997/98 All Contracts Compliance Division Total Contacts: 988 Age 0 Intake 36 Child/Family 260 Investigation 291 Handicap 87 Test 208 Marital Status 28 Resolved w/o Referral 115 National Origin 370 Other 330 Race 432 Mediation 19 Religion 13 DFEH 16 Color 25 Dept of HUD 1 Sexual Orientation 19 Landlord/Tenant 3 Other 164 Private Attorney/LAS 1 Failure to Proceed 1 Litigation 0 Review 377 • Total: 1,398 Total: 11398 Anglo 323 - 32% Tenants 915 - 94% Hispanic 170 - I8% Managers 18 - 1% Black 359 - 37% Owners 25 - 2% Asian 32 - 1% Motel 13 - 1% Am. Indian 10 - 1% Homeless 1-1% Other 94 - 11% Other 16 - 1% Below 50% of Median 512 - 51% Word of Mouth 243 - 24% Below 80% of Median 212 - 21% Private Business 29 - 3% Above 80% of Median 264 - 28% Local Government 345 - 35% Community Education 371 - 38% Single Parent Female 118 - 11% Annual Fiscal Year 1996/97 All Contracts Compliance Division Total Contacts: 476 Age 22 Intake 36 Child/Family 186 Investigation 141 Handicap 87 Test 68 Marital Status 31 Resolved w/o Referral 137 National Origin 57 Other 75 Race 205 Mediation 18 Religion 10 DFEH 18 Source of Income 18 Dept of HUD 0 Sexual Orientation 35 Legal Aid Society 0 Color 4 Private Attorney 0 Arbitrary/Other 117 Failure to Proceed 3 Litigation 0 Review of File(s) 276 Total: 772 Total: 772 Angio 247 - 54% Tenants 430 - 91% Hispanic 81 - 17% Managers 13 - 2% Black 109 - 22% Owners 27 - 5% Asian 13 - 2% Motel 4 - 1% Am. Indian 4 - 1% Homeless 0 - 0% Other 22 - 4% Other 2 - 1% Below 50% of Median 316 - 67% Word of Mouth 114 - 24% Below 80% of Median 86 - 18% Private Business 14 - 3% Above 80% of Median 74 -15% Local Government 166 - 35% Community Education 182 - 38% Single Parent Female 86 - 18% 11 450 400 350 300 250 +i.mber of Issues 200 150 100 50 0 Compliance FY 96-00 Age C/F Handicap MIS Nat'l Race Religion Sex Color Other Origin Category ❑ FY 96/97 ❑ FY 97/98 ❑ FY 98/99 ❑ FY 99/00 i OFFICE MANAGER ADMINISTRATIVE ASSISTANT FAIR HOUSING COUNCIL OF ORANGE COUNTY 201 S. Broadway • Santa Ana, CA 92701 Phone: 714/569.0923• Fas 714/835-0281 BOARD OF DIRECTORS PRESIDENT/CEO & General Counsel PUBLIC SPECIALIST 11FAIR HOUSING I I PROGRAM MNGR PROGRAM MANAGER RELATIONS F.H. COUNSELOR/ I I LL/T & HUD SYSTEMS COUNSELORS SUPPORTTECH WORKSTUDY INTERNS & VOLUNTEERS MEDIATION F.H. RIGHTS LL/T STAFF PROGRAM MNGR ADVCT/DEVLPMNT ATTORNEY DIRECTOR STAFF MEDIATORS VOLUNTEER MEDIATORS Reorganization Effective 1/27/2000 POOR.... • �r QUALITY ORI'-Gi NAL (S) r-