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are nearly twice as likely to have a home improvement loan denied than White residents, Asian <br />residents are 5% more likely <br />In addition, the HMDA data indicates the rates at which certain races receive high-priced loans. In <br />Orange County, White and Asian borrowers are least likely to be given a high cost loan. <br />Meanwhile, Black residents are nearly twice as likely to receive subprime loans, and Hispanics are <br />nearly 2.5 times more likely. Lack of access to loans, or loans that are not high-priced, for Black <br />and Hispanic borrowers can often price these households out of owner -occupied single-family <br />homes, and increases the cost burden over time as rent continues to increase across the county. <br />Percentage of Originated Loans That Were High -Cost by Race or Ethnicity in Orange <br />County, 2014-2017 Home Mortgage Disclosure Act Data <br />Race or Ethnicity <br />Number of Loans Originated <br />Percentage High -Cost <br />White, Not Hispanic <br />3,408 <br />2.06% <br />Black, Not Hispanic <br />102 <br />3.79% <br />Asian, Not Hispanic <br />1,277 <br />2.07% <br />Hispanic/Latino <br />1,757 <br />4.90% <br />Location and Type of Affordable Housing <br />The location and type of affordable housing are significant contributing factors to fair housing <br />issues in Orange County. With respect to the location of affordable housing, at a high level, there <br />is relatively little such housing in coastal areas, hillside communities, or in the southern portion of <br />the county, all areas that are disproportionately White and have relatively low Hispanic population <br />concentrations. Within some cities that have patterns of intra jurisdictional segregation, affordable <br />housing is concentrated in particular areas that tend to be more heavily Hispanic. This is especially <br />true in Anaheim, where affordable housing is concentrated in the heavily Hispanic western portion <br />of the city rather than in the mostly White Anaheim Hills. Similarly, in Fullerton, affordable <br />housing is more concentrated in the disproportionately Hispanic southern portion of the city, and, <br />in Garden Grove, affordable housing is concentrated in the disproportionately Hispanic eastern <br />portion of the city. With respect to the role of the type of affordable housing in causing fair housing <br />issues, the total lack of public housing in Orange County, which tends to be more accessible to <br />members of protected classes than do Low Income Housing Tax Credit developments, plays a role <br />in perpetuating segregation. <br />Location of Accessible Housing <br />The location of accessible housing is a significant contributing factor to fair housing issues in <br />Orange County. Specifically, with a few exceptions the location of accessible housing tends to <br />track areas where there are concentrations of publicly supported housing. In Orange County, <br />publicly supported housing tends to be concentrated in areas that are disproportionately Hispanic <br />and/or Vietnamese and that have relatively limited access to educational opportunity and <br />environmental health. Irvine, which has a substantial supply of publicly supported housing, is a <br />321 <br />75A-600 <br />