1. Presented by Mollie Fitzpatrick, Heidi Aggeler, Jen Garner 1999 Broadway, Suite 2200 Denver, Colorado 80202 (303) 321-2547 mfitzpatrick@bbcresearch.com jgarner@bbcresearch.com haggeler@bbcresearch.com March 28 and 29 April 1, 2016 SPRING HOUSING ROUNDTABLES IHFA

2. 2 AGENDA Your role today Definitions Questions to consider Segregation/integration Lending Policies and practices

3. Add experience and perspective to data analysis—provide local perspective of fair housing issues and contributing factors raised Add experience and perspective to policy analysis—surface practical realities, constraints, process challenges and limitations 3 YOUR ROLE TODAY

4. Fair housing issue. A condition in a program participant’s geographic area of analysis that restricts fair housing choice or access to opportunity, and includes such conditions as ongoing local or regional segregation or lack of integration, racially or ethnically concentrated areas of poverty, significant disparities in access to opportunity, disproportionate housing needs, and evidence of discrimination or violations of civil rights laws or regulations related to housing. 24 C.F.R. § 5.152 Fair housing contributing factor. A factor that creates, contributes to, or increases the severity of one or more fair housing issues. 24 C.F.R. § 5.152 4 DEFINITIONS FROM HUD’S AFFH RULE

5. What factors may lead to concentrations of certain types of households in the State’s non-entitlement areas? Of barriers to housing choice? 5 QUESTIONS TO CONSIDER THROUGHOUT DISCUSSION ● Affordability? ● Employment opportunities? ● Personal preference? ● Community characteristics? ● Access to public transit? ● Private or public disinvestment? ● Aging infrastructure? ● Proximity to public institutions (e.g., veteran’s hospitals, community colleges/ universities, military bases)? ● Historic development patterns? ● Past acts of discrimination (e.g., redlining, steering, sundown towns)? ● Current acts of discrimination?

6. SEGREGATION/INTEGRATION 6

7. 7 Majority-Minority Concentrations Persons with a Disability Proportions

8. 8 SEGREGATION/INTEGRATION Hispanic Concentrations Relative to County Benchmark Hispanic Concentrations Relative to State Benchmark

9. 9 POVERTY CONCENTRATIONS

10. 10 RCAP/ECAPS

11. RCAP/ECAP DISCUSSION: HOW DO YOU INTERPRET THE MAPS? WHAT FACTORS MAY CONTRIBUTE TO THE CONCENTRATIONS? 11

12. 12 LENDING

13. 13 LENDING Result of Loan Application by Loan Purpose, 2014 Historical Trends: Loan Applications and Originations, 2014 Note: Does not include loans for multifamily properties or non-owner occupants. Source: FFIEC HMDA Raw Data, 2014 and BBC Research & Consulting.

14. 14 LENDING Refinancing Applications and Median Home Value by County, 2014 Note: Does not include loans for multifamily properties or non- owner occupants. Source: FFIEC HMDA Raw Data, 2009 and 2014; ACS 2009 and 2014 5-year estimates; and BBC Research & Consulting.

15. 15 LENDING Mortgage Loan Application Denials by Race/Ethnicity, 2014 Mortgage Loan Application Denials by Race/Ethnicity and Loan Purpose, 2014 American Indian or Alaska Native Black or African American Native Hawaiian or Other Pacific Islander

16. 16 LENDING Mortgage Loan Denials, All Races and Ethnicities by County, 2014 Note: Does not include loans for multifamily properties or non- owner occupants. Source: FFIEC HMDA Raw Data, 2014 and BBC Research & Consulting.

17. 17 LENDING Outcome of Mortgage Loan Applications by Race/Ethnicity, 2014 Note: Does not include loans for multifamily properties or non-owner occupants. Differences between racial and ethnic groups may be impacted by rounding. Denial rate calculated with all loans as denominator. Source: FFIEC HMDA Raw Data, 2014 and BBC Research & Consulting.

18. LENDING DISCUSSION: HOW DO YOU INTERPRET THE LENDING ANALYSES? WHAT FACTORS MAY CONTRIBUTE TO THE OBSERVED DIFFERENCES? 18

19. POLICIES AND PRACTICES 19

20. How well do state and local policies and practices encourage the placement of persons with disabilities in apartments, single family homes and other integrated community settings? When considering disability, please consider all types, including physical, developmental, intellectual, mental, addiction recovery, HIV status. In your experience, which state policies or processes are contributing factors to the results of the segregation/integration analysis? The lending analysis? Are there state policies or processes which may achieve their aims in furthering housing choice in more populated areas but which result in fair housing issues in Idaho’s more rural communities? What can Idaho do to address these contributing factors? In answering this question, consider the limited authority state agencies have in addressing some factors. 20 POLICIES AND PRACTICES

21. QUESTIONS? 21