City of Houston



City of Houston

Housing and Community Development

Department

Analysis of

Impediments to Fair Housing

Bill White Mayor

Milton Wilson Jr., Director

June 2005

MAYOR

Bill White

CITY OF HOUSTON

City Council

Toni Lawrence District A

Carol Mims Galloway District B

Mark Goldberg District C

Ada Edwards District D

Addie Wiseman District E

M. J. Khan District F

Pam Holm District G

Adrian Garcia District H

Carol Alvarado District I

Mark Ellis At Large-Position Number 1

Gordon Quan At Large-Position Number 2

Shelley Sekula-Gibbs, M. D. At Large-Position Number 3

Ronald C. Green At Large-Position Number 4

Michael Berry At Large-Position Number 5

CONTROLLER

Annise D. Parker

Table of Contents

I. Executive Summary ……………………………………………………….. 1

A. Introduction …………………………………………………………. 3

B. The Process ………………………………………………………… 6

II. Community Profile ………………………………………………………… 7

A. Population . ……… ..………………………………………………. 8

B. Income ………………………………………………………………. 9

C. Employment ………………………………………………………… 10

D. Education …………………………………….……………………… 11

E. Public Transportation ……………………………………………… 12

F. Housing …………………………………………………………….. 13

III. Fair Housing Law and City Policies …………..……………………..… 21

A. Fair Housing Law ………………………………………………. ..… 22

B. Enforcement ………………………………………………………… 24

C. Production and Enforcement of Affordable Units ………………. 25

D. Regulatory and Public Policy Review ……………………………. 27

E. Fair Housing Compliants…………………………………………… 30

IV. Home Mortgage Disclosure Act (HMDA) Data, Fair Housing

Survey ………………………………………………………………………. 31

A. Home Mortgage Disclosure Act Data Analysis …………………. 31

B. Fair Housing Survey ………………………….………………..…. 42

V. Barriers to Fair Housing ………………………………………………….. 43

VI. Impediments to Fair Housing ……………………………………………. 46

VII. Recommendations ……………………………………………….………… 51

TABLES

Table 1 Housing Population 1990 – 2000 8

Table 2 Household Median Income 1990 – 2000 9

Table 3 Houston Professional Employment 1990 – 2000 10

Table 4 Houston Employment 1990 – 2000 11

Table 5 Houston College Educated Household 1990 – 2000 12

Table 6 Houston Vehicles per Household in 2000 13

Table 7 Houston Housing Units 2003 14

Table 8 Comprehensive Housing Affordable Strategy 16

Table 9 Percentage Adverse Treatment in Houston Housing 22

Table 10 FHA, FSA/RHS, VA 2003 Applications Received 33

Table 11 FHA, FSA/RHS, VA 2003 Applications Originated 34

Table 12 FHA, FSA/RHS, VA 2003 Applications Denied 35

Table 13 Conventional 2003 Applications Received 36

Table 14 Conventional 2003 Applications Originated 37

Table15 Conventional 2003 Applications Denied 38

Table 16 2003 Applications for Loans to Refinance 39

Table 17 2003 Applications for Loans to Refinance Originated 40

Table 18 2003 Applications for Loans to Refinance Denied 41

Table 19 Fair Housing Practices 42

APPENDIX

Table 20 Disposition of Applications for Home Purchase Loans by Race

And Income of Applicants in 2003 54

Table 21 Disposition of Applications for Loans to Refinance or For Home

Improvements on 1-4 Family Homes Race and Income 55

Table 22 Disposition of Applications for Home Purchase Loans by Census

Tract Characteristics in 2003 56

Table 23 Disposition of Applications for Home Refinance and Home

Improvement Loans by Census Tract Characteristics for 2003 57

MAPS

Percent of Occupied Housing Units That are Owner Occupied 2000 17

Median Household Income 18

Persons 21 to 64 Years with a Disability 19

Percent of Workers 16 Years and Over Who Commute to Work by 20

Public Transportation

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