19F - CONSOLIDATED PERFORMANCE AND EVALUATION REPORT

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complaints with the Fair Housing and Equal Opportunity (FHEO) Office of the U.S. Department of Housing and Urban Development and 1 inquiry for assistance is pending. • Unfair Lending: This impediment refers to underwriting, marketing and pricing that discriminates because of income, race or ethnicity of the residents in the area where the property is located. Evaluation of 2008 Home Mortgage Disclosure Act (HMDA) data found there was disparities in loan approval /denial rates among racial and ethnic borrowers, in particular, Hispanic applicants have higher loan denial rates than White, Non - Hispanic borrowers. Due to budget and staffing constraints, no progress was made during the 2013- 2014 Program Year. • Zoning Policies and Practices: Federal and state fair housing laws, require all local governments to affirmatively further fair housing opportunities. One way is to make reasonable accommodations in building, land use, and housing when necessary to afford disabled persons an equal opportunity to use and enjoy a dwelling. 2. Actions to Overcome Identified Impediments During the 2013 -2014 report period the City undertook the following actions (on its own or in cooperation with regional partners) to overcome the impediments to fair housing choices identified in the regional Al. Santa Ana contracted with FHCOC to provide comprehensive educational and enforcement programs to City residents. Actions taken during the 2013 -2014 report period included: • Fair Housing Community Education'— During 2013 -2014 the FHCOC participated in 50 education and /or outreach activities, reaching a culturally and ethnically diverse audience, in which we made participants aware of fair housing laws and our counseling services, including those to help them improve their readiness for a home purchase • Fair Housing Enforcement— FHCOC staff responded to 50 housing discrimination complaints that resulted in the opening of a case file; six of these cases involved the City of Santa Ana. • Housing Dispute Evaluation — On a regional basis, activities provided by FHCOC included assisting approximately 3,220 unduplicated regional - households. Of these 907 unduplicated households were from Santa Ana. On a regional basis, FHCOC conducted 174 paired, on -site, systemic tests for discriminatory housing practices. These were split between 30 tests of for -sale real estate brokerage transactions and 144 rental- housing transactions. Additionally, the FHCOC conducted five paired, on -site tests related to complaints received from the general public, 17 paired telephone tests and one site accessibility assessment. • FHCOC's website has an on -line housing discrimination complaint reporting tool that generates an e-mail to FHCOC. It is also used for other non - discrimination and housing - related issues. A lack of funding has prevented the FHCOC's ability to implement necessary upgrades to the website that will help further differentiate between discrimination complaints and to help 12 DRAFT 2013 -2014 CAPER f6" 9t X11