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2012/13 12010/11- 2014/15 CITY OF SANTA ANA CONSOLIDATED PLAN <br />ACTION PLAN <br />OTHER ACTIONS <br />IDENTIFICATION OF IMPEDIMENTS To FAIR HOUSING CHOICE <br />As a recipient of federal grant funds, the City of Santa Ana is required to prepare an Analysis <br />of Impediments to Fair Housing choice (Al). In addition to identifying impediments, a <br />strategy to overcome these barriers must be implemented. The Al must be prepared to <br />complement the Consolidated Plan. The City was a participant in the development of a <br />regional Al, prepared by the Fair Housing Council of Orange County (FHCOC) on behalf of <br />ten municipal jurisdictions and the County of Orange. This document covers an array of <br />private and public sector policies affecting housing choice locally, and in the Orange County <br />region. This document has served as the basis for fair housing planning. The Al covers the <br />2010-2014 timeframe. <br />Summary of Impediments Identified in the Analysis <br />1. Housing Discrimination: Housing discrimination may be under reported, therefore, the <br />number of complaints may not accurately measure the extent of this fair housing <br />impediment. A review of available data indicated that at the time the Al was prepared, <br />complaints were mainly related to disability (35 percent), race and color (20 percent) <br />and national origin (14 percent). <br />2. Real Estate Advertising: This . impediment refers to 'print advertisements for the <br />sale/rental of a dwelling that indicates a preference, limitation or discrimination based <br />on race, color, religion, sex, marital status, national origin, ancestry, familial status, <br />disability, sexual orientation, or source of.income. A review of relevant data (online and <br />newspaper `print ads) found about 8 percent contained questionable language. The <br />overwhelming majority of the, questionable language was "No Pets" which occurred in <br />14.8 percent of the ads. Other questionable language included "near church/school." <br />3. Hate Crimes: A hate crime is defined in the Al as "a criminal act committed, in whole or <br />in part, because of one or more of the following actual or perceived characteristics of <br />the victim: disability, gender, nationality, race or ethnicity, religion, sexual orientation, <br />association with `a person/group with one or more of these actual or perceived <br />characteristics. <br />4. Unfair Lending: This impediment refers to underwriting, marketing and pricing that <br />discriminates because of income, race or ethnicity of the residents in the area where <br />the property is located. An evaluation of 2008 Home Mortgage Disclosure Act (HMDA) <br />data found there was disparity in loan approval/denial rates among racial and ethnic <br />borrowers, in particular, Hispanic applicants had higher loan denial rates than White, <br />Non-Hispanic borrowers. <br />2012-2013 ANNUAL ACTION PLAN 28 DRAFT 04/08/2012 <br />29B-35