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l..,r associates <br />program and other community-based programs (emergency shelters, <br />transitional and supportive housing) <br />Describe the rental and ownership housing market. <br />Describe the existing and proposed public transit system within each city and <br />the connection to the regional system. <br />B. Mortgage Lending Practices <br />The Team will analyze and describe the lending policies, requirements and practices <br />of financial institutions and the access to home loans for ethnic minorities of all <br />income groups. <br />Review Home Mortgage Disclosure Act (NMDA) data, including FHA/VA loans, <br />conventional home purchase loans, housing refinance loans and home <br />Improvement loans. For each city and the regional as a whole, the following <br />examples of HMDA data will be analyzed. The analysis will be conducted to <br />highlight the frequency and type of loans requested, the approval and denial <br />rates by racial/ethnic groups and by geographic area (census tract level): <br />1, Disposition of Conventional Home Purchase Loan Applications by Race/ <br />Ethnicity of Applicant <br />2. Approval/Denial Rates for Conventional Home Purchase Loans by Race/ <br />Ethnicity and Income of Applicant <br />3. Disposition of Conventional Home Purchase Loan Applications by Top Ten <br />Lending Institutions <br />4. Comparison of Conventional and Government•Backed Home Purchase Loan <br />Applications <br />S. Comparison of Conventional Home Purchase Loan Applications by <br />Census Tract <br />6. Disposition of Conventional Home improvement Loan Applications by Race/ <br />Ethnicity of Applicant <br />7. Approval/Denial Rates for Conventional Home Improvement Loans by Race/ <br />Ethnicity and Income of Applicant <br />B. Comparison of Conventional and Government -Backed Home Improvement <br />Loan Applications <br />9. Trends of Conventional Mortgage Refinancing Applications by Race of <br />Applicant <br />Lending activity and loan approvals and denials by census tracts will be <br />mapped using GIS. <br />Analyze the bank lending practices, and compile data indicating the frequency <br />and amount of those financial institutions' lending in Orange County over the <br />last five-year period. <br />City of Newport Beach j Regional Al and .5 -Year Fair Housing Action Plan Page Q <br />25B-27 <br />