Regional Analysis of Impediments to Fair Housing Choice
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Ventura County Regional Analysis of Impediments to Fair Housing Choice May 2015 Lead Agency County of Ventura Community Development Division County Executive Office 800 S. Victoria Avenue, L#1940 Ventura, CA 93009 Signature Page I, Eric Levitt, hereby certify that this Ventura County Regional Analysis ofImpediments to Fair Housing Choice represents the City of Simi Valley's conclusions about impediments to fair housing choice, as well as actions necessary to address any identified impediments. ];L0£ Date Table of Contents Executive Summary .............................................................................................................................. 1 Chapter 1 - Introduction........................................................................................................................ 1 A. Purpose of Report ........................................................................................................................ 1 B. Geographic Area Covered ............................................................................................................ 1 C. Fair Housing Legal Framework .................................................................................................... 2 D. Lead Agencies ............................................................................................................................. 6 E. Organization of Report ................................................................................................................. 6 F. Data Sources ................................................................................................................................ 7 Chapter 2 – Community Participation ................................................................................................. 9 A. Community Workshops ................................................................................................................ 9 B. Focus Group Workshops ............................................................................................................ 10 C. Community Needs Survey ......................................................................................................... 11 D. Public Review ............................................................................................................................ 14 Chapter 3 - Community Profile ........................................................................................................... 15 A. Demographic Profile ................................................................................................................... 15 B. Household Characteristics ......................................................................................................... 24 C. Income Profile ............................................................................................................................ 38 D. Housing Profile ........................................................................................................................... 46 E. Housing Cost and Affordability ................................................................................................... 52 F. Housing Issues ........................................................................................................................... 56 G. Assisted Housing ....................................................................................................................... 59 H. Licensed Community Care Facilities .......................................................................................... 64 I. Accessibility to Public Transit and Services ................................................................................. 65 Chapter 4 – Mortgage Lending Practices .......................................................................................... 77 A. Background ................................................................................................................................ 77 B. Overall Lending Patterns ............................................................................................................ 80 C. Lending Patterns by Race/Ethnicity and Income Level .............................................................. 83 D. Lending Patterns by Census Tract Characteristics .................................................................... 85 E. Performance by Lender .............................................................................................................. 88 F. Sub-Prime Lending Market ......................................................................................................... 91 G. Predatory Lending ..................................................................................................................... 93 H. Purchased Loans ....................................................................................................................... 95 I. Foreclosures ................................................................................................................................ 97 Chapter 5 - Public Policies ............................................................................................................... 103 A. Policies and Programs Affecting Housing Development .......................................................... 103 B. Building, Occupancy, Health and Safety Codes ....................................................................... 118 C. Affordable Housing Development ............................................................................................ 119 D. Other Land Use Policies, Programs, and Controls ................................................................... 122 E. Policies Causing Displacement or Affect Housing Choice of Minorities and Persons with Disabilities ............................................................................................................................... 126 Regional Analysis of Impediments to Fair Housing Choice 2015-2020 Table of Contents Page i F. Local Housing Authorities ......................................................................................................... 127 G. California Environmental Quality Act (CEQA) .......................................................................... 127 H. Community Participation .......................................................................................................... 128 Chapter 6 – Current Fair Housing Profile ........................................................................................ 130 A. Fair Housing Practices in the Homeownership Market ............................................................. 130 B. Fair Housing Practices in the Rental Housing Market .............................................................. 138 C. Fair Housing Services .............................................................................................................. 144 D. Fair Housing Statistics ............................................................................................................. 146 E. Hate Crimes ............................................................................................................................. 149 F. NIMBYism ................................................................................................................................ 150 Chapter 7 - Progress Since 2010 ..................................................................................................... 152 A. Continued Impediments and Recommendations from Previous AIs ......................................... 152 B. New Impediments and Recommendations ............................................................................... 168 Chapter 8 – Fair Housing Action Plan ............................................................................................. 174 A. Continued and Updated Impediments from 2010 Regional AI ................................................. 174 Appendices Appendix A: Public Outreach Appendix B: HMDA Data Appendix C: Housing Rights Center Data Regional Analysis of Impediments to Fair Housing Choice 2015-2020 Table of Contents Page ii List of Tables Table 1: Perpetrators of Alleged Discrimination .................................................................................... 11 Table 2: Location of Alleged Discrimination .......................................................................................... 12 Table 3: Basis of Alleged Discrimination ............................................................................................... 12 Table 4: Reason for Not Reporting Alleged Discrimination ................................................................... 13 Table 5: Basis of Alleged Hate Crime ................................................................................................... 14 Table 6: Population Growth (1990-2010) .............................................................................................. 16 Table 7: Age (2000-2010) ..................................................................................................................... 17 Table 8: Age Distribution (2000-2010) .................................................................................................. 18 Table 9: Racial and Ethnic Composition - Ventura County (2000-2010) ............................................... 19 Table 10: Racial and Ethnic Composition (2010) .................................................................................