Analysis of Impediments to Fair Housing Choice

CITY OF ALBANY,

GEORGIA

ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE

MAY 2011

SUBMITTED TO ATLANTA REGIONAL OFFICE OF THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

TABLE OF CONTENTS

Executive Summary 1 1) Introduction 4 2) Community Participation 12 3) Community Profile 14 4) Fair Housing Practices 30 5) Lending Data and Public Policies 34 6) Conclusions and Recommendations 44

Appendix A – HMDA Data Appendix B – Community Survey & Synopsis of Survey Results

Map – Percentage of African-Americans by 16 Census Tract Map – Percentage of Persons Living in Poverty 20 Map – CDBG Eligible Census Tracts 22

Table – Disposition of Loan Applications, 35 2009 Table – Disposition of Loan Applications by 37 Race/Ethnicity, 2009 Table – Disposition of Loan applications by 38 Income Level, 2009 Table – Reasons for Loan Denial by Race and 39 Ethnicity, 2009 Table – Community Reinvestment Act Ratings, 40 Albany, 2009 Table – Fair Housing Complaints, Dougherty 41 County, 2007-2010 EXECUTIVE SUMMARY

The City of Albany has consistently supported the concept of the provision of fair housing for its residents without regard to race, color, religion, sex, national origin, handicap, or familial status. To that end, the City has consistently used a portion of its CDBG funding to support programs of fair housing services for low and moderate-income households. The fundamental fair housing goal is to make housing choice a reality through fair housing planning, which includes the following: Preparing an Analysis of Impediments to Fair Housing Choice (AI); Acting to eliminate identified impediments; and Providing fair housing records.

The purpose of this AI is to provide essential, specific, and detailed information and data to municipal officials and staff, policy makers, housing developers, lenders, and fair housing advocates. The AI helps build public support for fair housing efforts. This report represents Albany’s efforts in making an objective assessment of the nature and extent of fair housing concerns in the City, and the potential impediments to making fair housing choice available to its residents.

The federal Fair Housing Act of 1968 and Fair Housing Amendments Act of 1988 (42 U.S. Code §§ 3601-3619, 3631) are federal fair housing laws that prohibit discrimination in all aspects of housing, such as the sale, rental, lease or negotiation for real property. The Fair Housing Act prohibits discrimination based on race, religion, and national origin. In 1988, the Fair Housing Act was amended to extend protection to familial status and people with disabilities (mental or physical). In addition, the Amendment Act provides for “reasonable accommodations,” allowing structural modifications for persons with disabilities if requested, at their own expense, and sets housing code standards for new multi-family dwellings to accommodate the physically disabled.

In addition, it is the policy of the State of Georgia to provide, within constitutional limitations, for fair housing throughout the state, and the State has enacted fair housing laws echoing federal laws in order to safeguard individuals. The Georgia General Assembly established a neutral administrative agency, the State of Georgia Civil Rights Department/Georgia Commission on Equal Opportunity, in order to govern and enforce the administration of the Georgia Fair Housing Law. The principal function of the GCRD-GCEO is to receive, investigate, and pass upon charges of unlawful discrimination occurring anywhere within the State of Georgia in the areas of employment, housing, and public accommodations.

Fair Housing Defined In light of the various pieces of fair housing legislation passed at the federal and state levels, fair housing throughout this report is defined as follows:

Fair housing is a condition in which individuals of similar income levels in the same housing market having a like range of housing choice available to them regardless of race, color, ancestry, national origin, religion, sex, disability, marital status, familial status, source of income, sexual orientation, or any other arbitrary factor.

As with the development of the Consolidated Plan, this Analysis of Impediments to Fair Housing Choice (AI) results from a process of consultation and citizen participation, building upon existing participation mechanisms and venues. Citizens, not-for-profit organizations, and interested parties were afforded a variety of opportunities to: • contribute during meetings, hearings and planning sessions, • review and comment upon the participation plan, the Analysis of Impediments, and comments made about the Analysis, • participate in public hearings, • comment upon the plan and its amendments, and • register complaints about the Analysis and its amendments.

The Analysis contains a detailed Community Profile, which provides insights for identifying potential impediments to fair housing choice. While not definitive indicators of impediments to fair housing choice, these data may point to conditions or situations that might indicate impediments. The key points that emerge from this analysis are: 1. The City has a high percentage of non-family households, elderly households, and householders living alone. 2. At the same time, the City has a relatively low percentage of small housing units to meet the needs of these households. 3. Almost one-half of the population is in the low-income categories defined by HUD. 4. Affordability is a significant problem for a very large portion of the population, both owners and renters. 5. Minority groups constitute over one-half of the City’s population. 6. There is a high percentage of disabled persons in the City. 7. Unemployment is stubbornly high and income levels are low. 8. Despite statistics indicating that the housing stock is in good condition, surveys, interviews, and focus groups all note a prevalence of deteriorated housing. 9. The Housing Authority has a significant wait list for Section 8 vouchers and for public housing units.

Section Four of the Analysis identifies key oversight organizations, sources of information for citizens and the fair housing services available to the residents of Albany.

A key aspect of fair housing choice is equal access to financing for the purchase or improvement of a home. In 1977, the Community Reinvestment Act (CRA) was enacted to encourage regulated financial institutions to help meet the credit needs of entire communities, including low and moderate-income persons and neighborhoods. The Home Mortgage Disclosure Act (HMDA) requires financial institutions with assets exceeding ten (10) million dollars to submit detailed information on the disposition of home loans. HMDA data were evaluated in this AI with respect to lending patterns.

With respect to analyzing fair housing complaint data, the data obtained from the HUD Fair Housing Equal Opportunity (FHEO) Website is the most accurate and current data available.

The FHEO data is available only at the County level and thus the figures presented here reflect the County, not simply the City.

The key points that emerge from a review of these sources are: 1. The HMDA data are inconclusive in identifying or defining any impediment to fair housing. 2. However, the loan denial rate is higher for African-Americans than other groups. 3. The number of complaints is modest for the period under review. 4. The community survey results indicate that many residents may not know how or where to file a complaint. 5. While Race has been the basis for one-half of the complaints, Disability has been the major basis for complaints in the past year. 6. There are concerns about the effect of the city’s Zoning Ordinance on the ability to locate and produce a range of housing opportunities.

Based upon this research and interviews with persons involved in housing and land use issues in the City, the following is a list of key impediments that exist in Albany. This information is by no means comprehensive, and there undoubtedly remain a number of additional remedies to these and other problems faced by home seekers. In the text, each of the potential impediments listed here is followed by recommendations to eliminate them. The identified impediments are:

1) Discrimination in the Housing Market 2) Limited Supply of Affordable Housing 3) Zoning, Planning, and Land Use Issues 4) Local Opposition (NIMBY) 5) Lending Practices

1) INTRODUCTION

PURPOSE OF REPORT

The Fair Housing Act of 1990 states that it is the policy of the United States to provide for fair housing throughout the country and the Act prohibits any person from discriminating in the sale or rental of housing, the financing of housing, or the provision of brokerage services, including or otherwise making unavailable or denying a dwelling to any person because of race, color, religion, sex, national origin, handicap, or familial status. The State of Georgia echoes such goal and has adopted legislation protecting equal access to housing.

Nationally, fair housing and impediments to fair housing are monitored by the United States Department of Housing and Urban Development (HUD) through the use of Community Block Development Grant (CDBG) funding for fair housing advocacy groups. This role of HUD to act as an administrator of fair housing programs originated in 1968 with the passage of the Civil Rights Act, described below. As a qualified entitlement jurisdiction, the City of Albany also receives HOME Investment Partnership Program (HOME) funds from HUD.

Each grantee which receives CDBG funding under Title I of the Housing and Community Development Act is required to further fair housing and fair housing planning by conducting an analysis to identify impediments to fair housing choice within those cities/communities within its jurisdiction. The grantee will also take appropriate actions to overcome the effects of any impediments identified and will maintain records which reflect the analysis and actions taken in this regard.

The Albany Department of Community and Economic Development (DCED) has developed the following Mission Statement:

The City of Albany will strive of excellence to improve the overall quality of life of its citizens. To accomplish this mission, it is essential to: • Provide a safe and secure community environment. • Provide the highest-quality customer services to the community with equality, fairness, and respect. • Retain highly motivated and qualified employees committed to fulfilling community expectations. • Encourage and embrace innovative ideas and concepts. • Provide responsible stewardship of all revenues. • Create an atmosphere that will encourage, develop, promote, and retain economic development. • Invest in neighborhood vitality and sustainability. • Encourage a sense of community through citizen partnerships and citizens' involvement.

To that end, the City has consistently used a portion of its CDBG funding to support programs of fair housing services for low and moderate-income households. The fundamental fair housing goal is to make housing choice a reality through fair housing planning, which includes the following:

Preparing an Analysis of Impediments to Fair Housing Choice (AI); Acting to eliminate identified impediments; and Providing fair housing records.

The City’s last AI was completed in 2005 in conjunction with the preparation of a Five-Year Consolidated Plan for the period 2005-2010. This AI considers the significant changes that have occurred since the development of the previous AI including the effects of population decline, a less diverse population, economic change with regard to jobs and the housing market, and the continued need for awareness, education, and outreach about fair housing.

DEFINING FAIR HOUSING

Federal Laws

Discrimination against Families with Children and Persons with Disabilities are further defined:

Discrimination against Families with Children Familial Status (often called “families with children”) refers to a parent or another person having legal custody of one or more individuals under the age of 18 years. It refers also to a person who is pregnant or in the process of getting legal custody of a minor child. Families with children enjoy under the law the same protection against housing discrimination as other groups protected by the law. In only two instances, does the law permit, as exceptions, discrimination against families with children. Both exceptions pertain to so-called housing for older persons. Housing intended for and occupied solely by people 62 years of age or older and housing in which 80

percent of the units are intended for and occupied by at least one person who is 55 years of age or older do not need to comply with the law’s familial status provisions. Discrimination against families with children manifests itself in many ways, the most common of which are in advertising (e.g. indications that rentals are for “no children” or “adults only”), restrictive occupancy standards that unreasonably limit the number of children who may occupy a given space, and steering of families with children to separate buildings or parts of buildings.

Provisions for People with Disabilities The Fair Housing Act defines "handicap" (or disability) as: 1. a physical or mental impairment which substantially limits one or more of such person's major life activities, 2. a record of having such an impairment, or 3. being regarded as having such an impairment, but such term does not include current, illegal use of or addiction to a controlled substance.

Special Protections In addition to providing people with disabilities all of the protections against housing discrimination that are provided to members of the other six protected classes, the following provisions of the Fair Housing Act provide important additional protection.

The prohibition against discriminating in the terms and conditions of sale or rental prohibits a landlord from asking any questions of a person with a disability than would be asked of any other applicant. A landlord may not, for example, inquire about the nature or severity of a person’s disability or ask whether that person is capable of living alone.

Reasonable Accommodations It is unlawful to refuse to make such reasonable changes in rules, policies, practices and services, which may be necessary to afford a person with a disability an equal opportunity to enjoy and use a dwelling. These “reasonable accommodations” include such things as making an exception to a “no pets” policy for a person who needs a service animal and providing a reserved, designated parking place for a person with mobility impairment.

Reasonable Modifications It is unlawful to refuse to permit a person with a disability to make, at his/her own expense, such reasonable changes in the premises as may be necessary to permit use and enjoyment of the premises. “Reasonable modifications” include such things as installing grab bars to facilitate use of bathroom facilities, cabinets lowered or the widening of a doorway to accommodate a wheelchair.

Full Accessibility of “New” Multi-family Housing Multi-family housing constructed for first occupancy after March 13, 1991 (i.e. buildings consisting of four or more units) must be fully accessible to people with disabilities. If a building has an elevator, all units must be accessible; if there is no elevator, only “ground floor” units must be accessible. “Accessible” means: 1) There must be an accessible building entrance on an accessible route; 2) Public and common use areas must be readily accessible to and usable by people with disabilities; 3) All inside doors must be wide enough to accommodate a

6 wheelchair; 4) There must be an accessible route into and through the dwelling; 5) Light switches, electrical outlets, thermostats and other environmental controls must be accessible; 6) Bathroom walls must be reinforced to allow later installation of grab bars; and 7) Kitchens and bathrooms must have enough space to permit maneuvering in a wheelchair.

Three significant changes to the Fair Housing Act were made. These changes are described briefly as follows: • The Housing for Older People Act of 1995 (HOPA) made several changes to the 55 and older exemption. Since the 1988 Amendments, the Fair Housing Act has exempted from its familial status provisions properties that satisfy the Act's 55 and older housing condition. First, HOPA eliminated the requirement that 55 and older housing have "significant facilities and services" designed for the elderly. Second, HOPA establishes protection from damages for persons who in good faith believe that the 55 and older exemption applies to a particular property, if they do not actually know that the property is not eligible for the exemption and if the property has formally stated in writing that it qualifies for the exemption. • Changes were made in the Act to enhance law enforcement, including making amendments to criminal penalties in section 901 of the Civil Rights Act of 1968 for violating the Fair Housing Act. • Changes were made to provide incentives for self-testing by lenders for discrimination under the Fair Housing Act and the Equal Credit Opportunity Act. See Title II, subtitle D of the Omnibus Consolidated Appropriations Act, 1997, P.L. 104 - 208 (9/30/96)1. In addition, it is also illegal for anyone to threaten, coerce, intimidate or interfere with anyone exercising a fair housing right or assisting others who exercise that right and advertise or make any statement that indicates a limitation or preference based on race, color, religion, national origin, familial status or handicap. Both intentional discrimination and unintentional actions or conditions that limit choice are also prohibited.

Georgia Laws It is the policy of the State of Georgia to provide, within constitutional limitations, for fair housing throughout the state. The general purposes of Georgia law: O.C.G.A 8-3-200-223, et sec. are: • To provide for execution in the state of policies embodied in Title VIII of the Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988; • To safeguard all individuals from discrimination in any aspect relating to the sale, rental, or financing of dwellings or in the provision of brokerage services or facilities in connection with the sale or rental of a dwelling because of that individual's race, color, religion, sex, disability or handicap, familial status, or national origin; • To promote the elimination of discrimination in any aspect relating to the sale, rental, or financing of dwellings or in the provision of brokerage services or facilities in connection with the sale or rental of a dwelling because of a person's race, color, religion, sex, disability, or handicap, familial status, or national origin; and • To promote the protection of each individual's interest in personal dignity and freedom from humiliation and the individual's freedom to take up residence wherever such

individual chooses; to secure the state against domestic strife and unrest which would menace its democratic institutions; to preserve the public safety, health, and general welfare; and to further the interests, rights, and privileges of individuals within the state.

The Georgia General Assembly established a neutral administrative agency, the State of Georgia Civil Rights Department/Georgia Commission on Equal Opportunity, in order to govern and enforce the administration of the Georgia Fair Housing Law. The principal function of the GCRD-GCEO is to receive, investigate, and pass upon charges of unlawful discrimination occurring anywhere within the State of Georgia in the areas of employment, housing, and public accommodations. Specifically, the GCRD-GCEO is authorized to carry out, among other measures, the following actions: • To study the nature and the extent of discriminatory housing practices and publish reports resulting from such studies; • To assist organizations seeking to carry out programs to prevent or eliminate discriminatory housing practices; • To promulgate, amend and rescind, and subject to the approval of the Governor, such rules and regulations necessary to carry out the state’s fair housing policy; • To investigate alleged discriminatory housing complaints and engage in conciliation with respect to such complaints; and, • To refer and work with the State Attorney General if civil action on a discriminatory housing complaint is required.

The Georgia Fair Housing Law prohibits various forms of discrimination in the availability of residential real estate transactions based on race, color, gender, national origin, religion, disability, and familial status. Protected individuals are safeguarded from discrimination relating to the sale, rental, or financing (making or purchasing of loans or providing other financial assistance) of dwellings, securing and the provision of brokerage services or facilities. All departments and agencies of state government are mandated to direct their programs related to housing and urban development in a manner that affirmatively furthers the state’s fair housing guidelines. In 1995, HUD certified that the Georgia Fair Housing Act provides the same provisions (outreach and education, rights, remedies, procedures and judicial review), which are substantially equivalent to the Federal Fair Housing Act (FHA). This designation considers two separate factors. • Whether the jurisdiction’s law, on its face, equals the federal fair housing laws in regards to the rights protected by the agency, the procedures followed by the agency, the remedies available to the agency, and the availability of judicial review of the agency’s action. • Whether the current practices and the past performance of the agency demonstrate that, in operation, the law in fact provides rights and remedies substantially equivalent to the federal fair housing law.

Based on this certification, HUD refers all complaints alleging a discriminatory housing practice within the jurisdiction of the state to the GCRD-GCEO. HUD reviews the performance of the state every five years to determine if the performance of the Georgia Commission on Equal Opportunity continues to qualify for this certification. In addition to enforcing Georgia’s Fair

Housing Act, the GCRD-GCEO is authorized to enforce the Georgia Fair Employment Act, the Age Act, the Equal Pay Act, and the Public Accommodations Act.

Fair Housing Defined In light of the various pieces of fair housing legislation passed at the federal and state levels, fair housing throughout this report is defined as follows:

Impediments Defined Within the legal framework of federal and state laws and based on the guidance provided by the U.S. Department of Housing and Urban Development (HUD) Fair Housing Planning Guide, impediments to fair housing choice are defined as:

Any actions, omissions, or decisions taken because of race, color, ancestry, national origin, religion, sex, disability, marital status, familial status, source of income, sexual orientation, or any other arbitrary factor which restrict housing choices or the availability of housing choices; or

Any actions, omissions, or decisions which have the effect of restricting housing choices or the availability of housing choices on the basis of race, color, ancestry, national origin, religion, sex, disability, marital status, familial status, source of income, sexual orientation.

To affirmatively promote equal housing opportunity, a community must work to remove impediments to fair housing choice.

Fair Housing and Affordable Housing When talking about “fair housing” and “affordable housing” the two phrases are often used interchangeably. The concepts are distinct, but intertwined. However, it is important to distinguish between the two in order to clearly identify issues and reduce fair housing discrimination. The phrase “fair housing,” in the context of preparation of an Analysis of Impediments to Fair Housing Choice (AI), refers to persons (families, seniors, individuals, and special needs populations) who are members of protected classes, as specified by federal statutes. It is illegal to discriminate against person on the basis of their membership in a protected class in the sale, rental, financing, and insuring of housing. On the other hand, “affordable housing” generally refers to the ability of households to afford, based on income, to buy or rent housing. Specifically, most federal, state, and local funding programs to support the increase in the supply of affordable ownership and rental housing are targeted to low- and moderate-income households. Low-income households are defined by most of those publicly funded programs as

earning less than 50 percent of the HUD determined area median income (AMI), with moderate- income households earning 50 to 80 percent of the AMI. In certain instances, affordable housing programs address households with greater incomes. The recently adopted Neighborhood Stabilization Program, for example, which focuses on foreclosed housing, has an income limit set at 120% AMI.

Because the two concepts are different, tools to address fair housing are distinguished from tools to increase the supply of affordable housing. One difference is that issues of discrimination regarding fair housing can apply to all income levels, because protected classes are represented in all income groups.

Clearly, there are many actions that can and should be taken that are directly aimed at elimination of discrimination against federally and locally protected groups in the selling, renting, financing, and insuring of housing, as recommended in this AI report. Those actions include: education of prospective homebuyers and tenants as to their rights to access to housing; and, enhancement of the system to study, receive complaints, investigate complaints, resolve complaints, and/or bring charges and prosecute violations of federal and local fair housing laws. While robust implementation of these actions will decrease discrimination in housing, it is not likely that such actions taken alone will eliminate housing discrimination.

Yet it is difficult to talk about addressing impediments to fair housing, and actions to eliminate discrimination in housing, without simultaneously talking about development of policies, plans, programs, and projects to increase the supply of affordable housing. Discrimination in housing will, in part, be reduced by the provision of housing opportunities and choices made affordable to all income groups in all communities, especially low- and moderate-income households.

Certain protected classes have disproportionate representation in the numbers of low- and moderate-income households in Albany, and so it is reasonable to expect that as the supply of affordable housing is increased in all communities of the City, greater numbers of protected class members will have access to housing without discrimination.

SCOPE OF ANALYSIS

This Analysis of Impediments (AI) to Fair Housing Choice provides an overview of laws, regulations, conditions or other possible obstacles that may affect an individual’s or a household’s access to housing. The AI involves:

A comprehensive review of the laws, regulations, and administrative policies, procedures, and practices;

An assessment of how those laws, regulations, policies, procedures, and practices affect the location, availability, and accessibility of housing; and

An assessment of conditions, both public and private, affecting fair housing choice.

Geographic Area Covered This report constitutes the AI for the City of Albany.

DATA AND METHODOLOGY

The following are key data sources used to complete this AI:

2000 U.S. Census and the 2005-2009 American Community Survey The City’s Consolidated Plan Comprehensive Housing Affordability Strategy (CHAS) Data from HUD Housing Authority Agency Plans U.S. Department of Housing and Urban Development (HUD) Home Mortgage Disclosure Act (HMDA) Data Housing Element of the Comprehensive Plan Dataquick Housing Sales Activity Data

Sources of specific information are identified in the text, tables, and figures.

ORGANIZATION OF THE REPORT

The AI is divided into six (6) chapters:

1. Introduction: Defines “fair housing” and explains the purpose of the report.

2. Community Outreach: Describes the community outreach program.

3. Community Profile: Presents the demographic, housing, and income characteristics in the City of Albany

4. Fair Housing Practices: Identifies and explains the oversight of fair housing by both government and industry organizations

5. Lending Data and Public Policies: Assesses the nature and extent of fair housing complaints and violations, examining loan data, complaints, and lending practices, and analyzing various public policies and actions that may impede fair housing within the City.

6. Conclusions and Recommendations: Summarizes AI findings regarding fair housing issues, and provides recommendations for furthering fair housing choice.

2) COMMUNITY PARTICIPATION

• contribute during meetings, hearings and planning sessions, • review and comment upon the participation plan, the Analysis of Impediments, and comments made about the Analysis, • participate in public hearings, • comment upon the plan and its amendments, and • register complaints about the Analysis and its amendments.

The City complied with the citizen participation requirements of the regulations by doing the following:

• Preparing, adopting, and following a Citizen Participation Plan; • Publishing informational notices about the plan prior to public hearings on the plan; • Holding two or more public hearings in accessible places at convenient times after providing reasonable notice; • Publishing a summary of the Analysis, describing its contents and purpose and a listing of locations where the entire plan could be examined; • Making the Analysis available for public examination and comment for a period of thirty (30) days before submission to HUD; • Providing citizens, public agencies, and other interested parties reasonable access to records regarding any uses of any assistance for affordable and supportive housing that the City may have received during the preceding five years; and • Considering the views and comments of citizens, and preparing a summary of those views for consideration with the Consolidated Plan submission.

The Department of Community and Economic Development staff conducted well-publicized public meetings in locations across the City.

The process of developing the AI followed the same time line as that of the Consolidated Plan. Though the meetings focused on Community Development Block Grant programs, the issue of impediments to housing choice was a potential topic for discussion or comment.

A public hearing to review and discuss the Consolidated Plan, the Analysis of Impediments to Fair Housing Choice, was held on March 22, 2011 in the Government Center. This meeting was publicized.

The draft documents were then made available for public review and comment for thirty (30) days. The document was made available to the public for review at the following accessible locations:

• The Department of Community and Economic Development Office; • The City of Albany Website; • The Central Library.

The City did not receive any citizen comments during the thirty-day public review period.

A second public hearing to review the draft Consolidated Plan and the Analysis of Impediments was held on April 19, 2011, following appropriate public notice. This meeting was held at the Government Center. This meeting reviewed the basic elements of the plan, and reviewed the proposed strategies in detail. The floor was opened for comments and questions.

At its regular meeting on April 26, 2011, the City Commission approved and executed the Consolidated Plan, the Annual Action Plan, the Analysis of Impediments to Fair Housing Choice and the Resolution of Authorization.

3) Community Profile

Fair housing is concerned with ensuring that: 1) all people are treated equally in the rental, sale, or occupancy of housing; and 2) a range in types and prices of housing is available. This chapter examines the population, housing, and special needs characteristics and trends in the City that may affect equal housing opportunity.

This Community Profile provides insights for identifying potential impediments to fair housing choice. While not definitive indicators of impediments to fair housing choice in and of themselves, these data may point to conditions or situations that could be indicators of impediments to fair housing choice. Observations about issues that could arise are made at the end of each section.

OVERVIEW The City of Albany is located in the southwestern quadrant of the State of Georgia. The City is the core of the Albany, Georgia Metropolitan Statistical Area, and the County seat of Dougherty County, Georgia. Surrounded by active farms and significant timberlands, Albany is the commercial, educational, and transportation center of the region. Developed as an agricultural trade center for the southwest part of the state in the 1830's and 1840's, the area has since grown into one of the major urban centers in Georgia. The regional economy has evolved into a mix of manufacturing, service, and retail businesses.

DEMOGRAPHICS Population The population of the City now estimated to be 75,392 persons according to the 2009 American Community Survey (ACS). This is a two percent decline from the 76,939 persons in the 2000 census.

Albany has a relatively younger population. The median age according to the 2009 ACS was 30.5 years. This compares to 36.5 for the United States and 34.5 for the State. In Albany 11.2 percent of the population is over 65, while in Georgia, the percentage is only 10.0, and the United State percentage is 12.6. The low median age is affected by the presence of the educational institutions in the City.

It is also interesting to note that 54.1 percent of persons in the City are female, a percentage well above the national average of 50.7 and the State’s 50.9 percent. As will be seen below, this affects the size and types of households and shapes the types of services the residents need.

Race The graph below compares the racial composition of Albany with that of Georgia and the United States. As can be seen, Albany has a smaller percentage of White persons than either the state or the nation. The percentage of African Americans is appreciably higher than that of the State and the US. Other racial groups are present in small numbers, below one percent of the population,

14 and the Hispanic population is only slightly greater than one percent. The percentage of Hispanic persons has increased minimally, but still has grown even as the overall population has declined.

RACIAL COMPOSITION: ALBANY, GEORGIA, & THE UNITED STATES 2009

80 70 60 50 40 30 Albany 20 10 Georgia 0 United States

Other population characteristics impact community development programs as well. The percentage of foreign-born persons in Albany is only 2.1 percent, which is well below the State and US figures. Only 3.9 percent of Albany’s residents speak a language other than English at home, compared to 19.6 percent for the US.

The following is a list of neighborhoods with concentrations of racial or ethnic groups. The HUD definition of an area of minority concentration as a census tract in which the population of any racial/ethnic minority group exceeds 50% of the total population of that tract. A high concentration is defined as a census tract in which the population of any racial/ethnic minority group is 75% or more of the total population of that tract. Based on these criteria and using the 2009 data, as noted above, there are nineteen census tracts with concentrations of ethnic/racial minority households, and thirteen of these have high concentrations.

The tracts with between 50 and 75 percent percent African American population are: 3, 9, 10, 13, 103.01 and 105. Census tracts with over 75 percent African American population are: 1, 2, 8, 11, 12, 14.01, 14.02, 15, 103.02, 104.02, 106.01, 106.02, and 107. The map below shows these concentrations.

Families and Households The average family and average household size in Albany are each below figures for the US, and reflect the fact that Albany has a high percentage of householders living alone, as the table below shows. This percentage has increased from 28.8 percent in 2000.

AVERAGE HOUSEHOLD AND FAMILY SIZE ALBANY, GEORGIA, AND THE UNITED STATES - 2009 ACS

United Albany Georgia States Average HH Size 2.43 2.7 2.6 Average Family Size 3.08 3.29 3.19 Householder Living 32.2 26.5 27.3 Alone - %

Disabled Persons and Special Needs Populations Current figures on persons with disabilities are not available for Albany because of changes in the definition of disability and collection methods. However, the 2000 census figures show that the number of persons aged 21 to 64 with disabilities in Albany was 10,497, which was 26.1 percent of that age population. This figure was above the national figure of 19.2 percent. Also, the population below the age of 20 had a significantly higher percentage of persons with disabilities (10.7%) than the nation (8.1%).

The Elderly and Frail Elderly The elderly, 65 and over, constituted 11.2 percent of the total population in City of Albany in the 2009 ACS. The Frail Elderly, those 75 and over, may need additional assistance to live independently and have additional requirements for their housing, such as elevators, grab bars in the bathroom, and special types of kitchen and bathroom fixtures. There are an estimated 4,400 frail elderly in Albany.

The elderly, especially in very low-income households, face housing difficulties based upon their particular housing needs (size of units, and types of fixtures and amenities), and on the basis of the cost burden they bear for housing and the fact that most are limited by fixed incomes.

Persons with Physical Disabilities The number of persons with any type of disability is estimated to be over 13,689 according to the 2007 ACS. Persons with physical disabilities may require assistance with daily living, and additional requirements for their housing including, for example, special types of kitchen and bathroom fixtures or special fire alarms.

The Developmentally Disabled The Association for Retarded Citizens (ARC) indicates that the base definition of developmentally disabled is an IQ score less than 70. ARC indicates that the nationally accepted percentage of the population that can be categorized as developmentally disabled is two and one-

17 half to three percent of the population. By this calculation, there are an estimated 1,885 developmentally disabled persons in Albany.

The preferred housing options for the developmentally disabled are those that present a choice and integrate them into the community. This includes supervised apartments, supported living, a skill development home, and family care homes.

ECONOMIC FACTORS Educational Attainment

Albany’s population has a high percentage of persons whose highest level of education is a high school diploma, and lower percentages of persons with college and advanced degrees. The percentage of persons with Associate degrees is higher than either State or US percentages, as is the percentage of persons who did not receive a High School diploma.

EDUCATIONAL ATTAINMENT (POPULATION 25 AND OVER) ALBANY, GEORGIA, AND THE UNITED STATES - 2008 ACS

Albany# Albany% GA% US% Less than 9th Grade 2,774 6.3 6.2 6.4 9th-12th Grade, no 6,032 13.6 10.8 9.1 diploma HS Graduate 12,719 28.7 29.7 29.3 Some College, no 10,642 24.0 19.7 20.3 degree Associate degree 2,980 6.7 6.4 7.4 Bachelor’s degree 5,771 13.0 17.5 17.4 Graduate or Prof. 3,341 7.5 9.6 10.1 degree

Labor Force and Employment The labor force (persons 16 years and over) in Albany was 34,651 in 2009, a modest increase from the 2000 census figure of 33,888. These persons represented 60.5 percent of the working age population. This labor force participation rate for Albany is below the national percentage of 65.0 percent and the state’s 65.9 percent. This can be attributed in part to the number of students in the population as well as a relatively high percentage of seniors.

The following table compares the occupations of Albany’s workers with those at the state and national level.

PERCENTAGE OF WORKERS BY OCCUPATION ALBANY, GEORGIA, AND THE UNITED STATES – 2000 CENSUS

Albany Georgia United States Management/Professional 28.6 34.2 34.8 Service 21.5 15.5 16.9 Sales and Office 24.9 26.0 25.6 Farming/Fishing 1.8 0.6 0.7 Construction 7.9 10.3 9.5 Production/Transportation 15.4 13.3 12.5

Albany has fewer management and professional workers (in terms of percent of the work force) than Georgia or the nation, but has a greater percentage of service workers as well as a significant percentage of production and transportation workers. The agricultural nature of the area is emphasized by the presence of high percentage of farming and fishing workers.

The industries that employ the greatest percentage of workers in Albany are Education, Health, and Social Services (26.9%), which is not surprising given the presence of large medical institutions and the colleges and universities. Manufacturing jobs are still a large part of the City’s economy and represent 11.7 percent of jobs. Retail Trade (10.6%) is the third largest employment category, though it lags the national percentage of 11.8 percent. Public Administration has 8.2 percent of jobs, well above the national figure of 4.7 percent, but Albany is the County seat and a regional center.

Unemployment has reached 12.3 percent in Albany as of December 2010, the last available figure from the Bureau of Labor Statistics. The unemployment rate was over 12.0 percent for much of the year, and the number of unemployed persons hovered around the 4,000 figure. Employment declined steadily between May and September, as did the number of persons in the labor force.

Source: US Bureau of Labor Statistics

Income and Poverty Income figures indicate that Albany is well below the median income figures for the nation, and over twice the percentage of persons living in poverty nationwide. The map below shows that poverty is greatest in census tracts in the eastern portion of the City. Though the figures are from the 2000 census, they indicate that over 27.3 percent of the persons in those census tracts were in poverty then.

The following table compares key income and poverty figures for the city, the County, the state, and the United States.

SELECTED INCOME AND POVERTY STATISTICS ALBANY, GEORGIA, AND THE UNITED STATES – 2009 ACS DATA

Albany Georgia United States Median Household $31,677 $49,466 $51,425 Income ($) Per Capita $18,152 $25,098 $27,041 Income ($) Persons in 27.9% 15.0% 13.5% Poverty (%)

Albany’s Median household Income is 62.0 percent of the national figure and 64.0 percent of the State figure. The differences are similar for the Per Capita Income figures as well. A map in the Appendix shows that few of the City’s census tracts have a median household income equal to or greater than the State figure.

Albany does have a lower percentage of households with retirement income than the nation (16.1% vs. 17.4%) and a higher percentage of households with Social Security income (27.2% vs. 27.1%), which is in line with the fact that the population is slightly older. However, the percentage of persons with Supplemental Security Income is 7.2 percent compared to the national figure of 3.8 percent and the percentage of persons receiving Food Stamp/SNAP benefits is almost two and one-half times the national figure. Households at the low end of the income spectrum (<$15,000) constitute 23.1 percent of Albany’s population (compared to 12.0% nationally), while those at the high end of the spectrum (>$150,000) are 3.1 percent of Albany households but 8.2 percent nationally.

However, one of the concerns noted in the Consolidated Plan is the concentration of low-income households. Identifying concentrations of low-income households and racial and ethnic minorities is helpful in identifying possible patterns of discrimination. The HUD definition of an area of low-income concentration is a census tract in which the number of low-income households (defined as households earning 50% or less of the median income) exceeds 50% of the total number of households. The threshold for an area defined as highly concentrated is 75% or more of the census tract occupied by low-income households.

The map below, taken from the Consolidated Plan, shows these census tracts within the City.

HOUSING DATA

Housing Stock Albany has 33,014 housing units as of the 2009 ACS figures. However, 4,161 units, 12.6 percent, are vacant. This figure is higher than the US 11.8 percent, but is not as high as the State’s 13.4 percent. Still the percentages do not reflect the blight and decay that was frequently noted in the Community Surveys and focus group meetings.

In Albany 59.8 percent of housing units are single units; 14.4 percent of housing units are duplexes, 8.4 percent are 3 and 4-unit structures and 2.1 percent are 20 or more unit structures. Three percent of housing units are mobile homes.

The housing stock in Albany is relatively young. Only 3.4 percent were constructed before 1940 and only 26.4 percent were built before 1960. In the preceding decade almost 3,000 housing units were built, 20.3 percent of the total.

In addition, as might be expected because of the economic conditions, the tenure pattern varies from the national norm. In Albany, renter-occupied units comprise 58.0 percent of housing, while owner-occupied units constitute 42.0 percent of units. Across the nation, the percentages are 66.9 percent owner-occupied and 33.1 percent renter-occupied. The median rent in Albany was $603 in 2009, which was 25% below the national median rent of $817. However, given the low-income levels in the City, the impact of this level of expense is that 41.2 percent of households spent 35.0 percent of their income for rent, a figure that places them in the “severely cost burdened” category. This percentage of persons is much higher than the 2000 census figure of 33.1 percent.

Homeownership has its advantages in Albany. While the median Albany home was worth $97,000 in 2009 compared to $185,400 for the United States, the median mortgage payment for a home in Albany was $1,020 in 2009 compared to $1,486 for the nation. This $466 difference meant that only 22.4 percent of homeowners were paying 35.0 percent or more for housing, compared to 27.9 percent nationally.

Housing Supply According to the census data, there are 33,014 housing units in the City of Albany, a slight increase from the 2000 figure of 32,168 housing units. Of these, 87.4 percent (28,853 units) were occupied. This percentage of occupied units is slightly lower than the national figure of 88.2 percent.

There are 12,126 (42.0%) of these units occupied by owners and 16,727 units (58.0%) occupied by renters. These percentages almost reverse those of the United States as a whole.

The number of units in a structure shows a strong emphasis upon one-unit dwellings as the table below demonstrates:

Units in Structure

Albany Georgia United States 1 unit, 18,174 56.7% 66.0% 61.6% detached 1 unit, 1,034 3.1% 3.5% 5.7% attached 2 units 4,740 4.4% 2.4% 3.9% 3-4 units 2,760 8.4% 3.2% 4.5% 5-9 units 2,986 9.0% 5.3% 4.9% 10-19 1,104 3.3% 4.8% 4.5% units 20+ units 695 2.1% 4.7% 8.1% Mobile 981 3.0% 10.0% 6.8% Home

The figures in the second Albany column are the percentages for the City; the state and the United States are shown as percentages only. The City has fewer one-unit structures than the state or the nation as a whole; it has a very significant percentage of two-unit and moderate-sized multi-unit structures. There are relatively fewer large apartment or condominium buildings

A review of the numbers of units by room size shows that while 45.3 percent of units are 4 or 5- rooms, there are only 697 small units (1 and 2 rooms) – only 2.1 percent of housing units, which is one half the national percentage. However, the 2000 CHAS data show that there are 19,095 small related and elderly (one or two-person) households.

At the same time, there are 3,071 units of eight or more rooms (9.3% of the total) for large households, compared to 17.5 percent nationally. There are, however, 3,095 large households per the CHAS data, indicating that the supply of larger units is adequate.

As the data below indicate, the City had a large amount of construction in the mid-1990s, but the trends has been downward since then, first because of changes in the local economy and job situation, and more recently because of the recession and on-going high levels of unemployment.

Single-family new house construction building permits:

• 1996: 367 buildings, average cost: $40,000 • 1997: 424 buildings, average cost: $52,500 • 1998: 231 buildings, average cost: $90,000 • 1999: 224 buildings, average cost: $88,100 • 2000: 117 buildings, average cost: $98,400 • 2001: 120 buildings, average cost: $87,900 • 2002: 158 buildings, average cost: $88,200 • 2003: 133 buildings, average cost: $109,100 • 2004: 118 buildings, average cost: $100,300 • 2005: 109 buildings, average cost: $100,900 • 2006: 101 buildings, average cost: $113,400 • 2007: 66 buildings, average cost: $111,300 • 2008: 38 buildings, average cost: $112,000 • 2009: 28 buildings, average cost: $111,900

Condition The condition of the housing stock in Albany is considered to be fair for the most part. As noted, much of the housing stock was built after 1990 and the median year of construction is approximately 1973, so that rehabilitation and upgrading are not significant concerns in many neighborhoods. Housing problems are scattered throughout the City, though there are certain neighborhoods that appear to require substantial efforts.

There are 258 units in the City that lack a complete kitchen, and 62 units lack complete plumbing, and 44 units report using no fuel. These units represent 1.3 percent of the City’s housing units.

However, it should be noted that blight and dilapidated structures emerged frequently in the focus group discussions and poor and unsafe housing and poor and unsafe neighborhoods were the two highest-ranking items under housing problem responses on the community survey.

Demand The demand for affordable housing for low- and moderate-income households has been persistent in Albany. The Albany Housing Authority has a long waiting list for its units and the waiting list for Section 8 vouchers has been closed because demand so far exceeds supply. The Housing Market Analysis worksheet shows that the overall vacancy rate for rental units is 13 percent and that the rate for sale units is only three percent.

According to the 2000 CHAS data, among rental units, only 48.9 percent of units affordable to extremely income households were occupied by extremely low-income persons, indicating a shortfall of some 2,400 affordable units at this income level. The situation according to the 2008 CHAS data has not improved – only 295 of the available rental units were affordable to low-

25 income households, though 255 of these were affordable to extremely low-income households. It should be noted that over one-half of these units were 0 or 1 bedroom units.

According to the 2000 CHAS data, there were no affordable owner units at this income level. The 2000 Census documented that approximately 29.0% of the City’s owner-occupied households were cost burdened greater than 50%. This means that these renters were paying greater than 30% of monthly income for shelter costs. Without some type of rental assistance, this portion of the population is in danger of homelessness. The situation is little improved, since the updated CHAS data indicates that only 375 owner units are affordable to extremely low- income households, and 425 to low-income households

Income and Housing Costs Albany has income figures that are below to US averages, and there are significant concentrations of low- and moderate-income households.

Income figures indicate that Albany is well below the median income figures for the nation, and over twice the percentage of persons living in poverty nationwide. The map in the appendix files shows that poverty is greatest in census tracts in the eastern portion of the City. Though the figures are from the 2000 census, they indicate that over 27.3 percent of the persons in those census tracts were in poverty then.

These low-income figures mean that it is more difficult for households to meet monthly expenses, especially when housing costs are more than 30% of their income, more difficult to save for a down payment for a home, and more difficult to qualify for a mortgage to purchase home, especially in light the current tight lending market.

The Fair Market Rent for the smallest unit (zero-bedroom) is below the affordable rent for households at 50% of median family income ($550 Fair Market Rent vs. $608 affordable rent). However, an affordability gap quickly emerges when looking at rents for one-bedroom units. The difference becomes $38 per month and grows to $355 for a three-bedroom unit. Figures from the National Low Income Housing Coalition indicate that a minimum wage worker would

have to work 84 hours per week for 52 weeks a year to afford a two-bedroom apartment. The wage required in order to afford a two-bedroom apartment at the area’s fair market rent would be $12.42, compared to the area minimum wage of $7.25. The 2010 fair market rent for a two- bedroom unit in Albany is $646, which is an alarming 39 percent increase between 2000 and 2010.

Public Housing The Albany Housing Authority (AHA) is an independent, quasi-governmental organization that is responsible for the management of 1,125 public housing units located in six housing complexes. All units managed by the AHA are renter occupied, and virtually all of the units are currently occupied.

In 2005, after a joint venture between the Albany Housing Authority, Albany Tomorrow, and Integral Properties, LLC., Ashley Riverside was completed. This development is the first of its kind in Albany. This 132-unit development is a mixed income/finance development. Of the 132 apartments, 40 are reserved for families who meet public housing income eligibility guidelines, 25 are rented at the market rate, and 67 are affordable units under the Low-income Tax Housing Credit Program. This development has an onsite office and is managed by IMS Management Services, LLC., which is a subsidiary of Integral Properties, LLC

The table on the following page summarizes the types of public housing units in Albany by housing complex. All units are designated as Asset Management Program (AMP) units.

Though some of the units are older, all of the public housing stock in Albany is in good repair and requires only routine maintenance. Air conditioning has been added to many of the older units and other modifications and repairs, such as roofing, kitchen remodeling, and site improvements are on going as funding permits.

The AHA has 61 units in the Housing Choice Voucher (HCV) Program. The Waiting List for this program is closed until further notice because the number of applicants well exceeds the expected turnover rate.

The AHA is currently managing 232 units of city owned property that will house families in the jurisdiction as well as families on the PHA’s waiting list.

OBSERVATIONS Several key points relevant to potential impediments to fair housing emerge from the preceding discussion. While not definitive indicators of impediments to fair housing choice in and of themselves, they point to conditions or situations that may create impediments. These points are:

1. The City has a high percentage of non-family households, elderly households, and householders living alone. 2. At the same time, the City has a relatively low percentage of small housing units to meet the needs of these households. 3. Almost one-half of the population is in the low-income categories defined by HUD. 4. Affordability is a significant problem for a very large portion of the population, both owners and renters. 5. Minority groups constitute over one-half of the City’s population. 6. There is a high percentage of disabled persons in the City. 7. Unemployment is stubbornly high and income levels are low. 8. Despite statistics indicating that the housing stock is in good condition, surveys, interviews, and focus groups all note a prevalence of deteriorated housing. 9. The Housing Authority has a significant wait list for Section 8 vouchers and for public housing units.

4) FAIR HOUSING PRACTICES

This section provides an overview of the institutional structure of the housing industry in governing the fair housing practices of its members. The oversight, sources of information, and fair housing services available to residents in Albany are described and their roles explained.

OVERSIGHT ORGANIZATIONS

As described above, City residents are protected from housing discrimination by federal, state, and local laws. These laws are enforced by agencies at each level and persons have a number of alternatives for seeking assistance if they feel they have been discriminated against. At the federal level, the Department of Housing and Urban Development and the Department of Justice have enforcement authority. Reports and complaints are filed with these agencies and the Department of Justice may take legal action in some cases. Typically fair housing service providers work in partnership with HUD and state agencies to resolve problems. However, in some cases where litigation is necessary, the case may be resolved via administrative filing with HUD or the state; referred for consideration to the Department of Justice, Civil Rights Division, Housing and Civil Enforcement Section; or referred to a private attorney for possible litigation.

Georgia has its own law, which provides protections to individuals with disabilities in the sale or rental of housing. This state law, known as the Georgia Fair Housing Law, is similar to the federal Fair Housing Amendments Act of 1988.

The state law does not specifically exclude any individual from its coverage. The federal Fair Housing Amendments Act does, however, exclude individuals from protection who are currently using illegal drugs, individuals connected with the illegal manufacture of a controlled substance, and individuals who are a direct threat to themselves or others.

As noted above, there are a number of avenues an Albany resident can take to file a complaint. Persons who feel that they have been discriminated against may file a complaint with the Georgia Commission on Equal Opportunity (GCEO). All Complaints filed with HUD are deferred to the GCEO. A complaint is dual-filed with HUD and the GCEO automatically, without any need for action by the charging party. The GCEO and HUD jointly handle “multi- jurisdictional complaints.” These types of complaints include alleged violations under the Fair Housing Act (Title VIII) and other HUD programs (Section 504 of the Rehabilitation Act of 1973, American with Disabilities Act of 1990, etc.). The GCEO also receives complaints directly from the public as well as from private fair housing organizations. The GCEO receives complaints by telephone, mail, fax, or office visit.

The state of Georgia operates a toll-free Landlord-Tenant Hotline with Georgia Legal Services Program, Inc. (GLSP). The hotline does not take complaints but does provide information about the law and general advice to Georgians with questions about residential landlord/tenant issues. In addition to this service, DCA publishes the Landlord/Tenant Handbook: Questions Frequently Asked by Tenants and Landlords. This publication covers rental property management and the laws; lead paint disclosure requirement, lease and rental agreements and their termination or

renewal; military service members as tenants, security deposits; payment of rent; repairs and maintenance; eviction and dispossession; and the state and federal fair housing laws.

HOME Investment Partnerships Program (HOME) The City’s affirmative marketing goal for the HOME program is to ensure that persons of all racial, ethnic and gender groups have the opportunity to rent or own a HOME assisted unit. The City will carry out this policy through the affirmative marketing procedures established in accordance with the Final HOME Rule. These procedures are intended to further the objectives of Title VI of the Civil Rights Act of 1964, the Fair Housing Act, the Age Discrimination Act of 1975, Section 504 of the Rehabilitation Act of 1973, Section 3 of the Housing and Urban Development Act of 1968, and Executive Orders #11063 (as amended by Executive Order #12259) and #11246.

Concerted efforts continue to be made to inform local governments, nonprofits, for-profit developers, public housing authorities, and others about the affirmative marketing requirements of the HOME program.

Local government officials, in agreeing to accept CDBG funds, must certify that they will “affirmatively further fair housing”. While the law does not specify what type of action recipients must take, it is clear that local government recipients are obligated to take some sort of action to affirmatively further the national goal of fair housing. The City keeps records that reflect all recipients take one or more actions to affirmatively further fair housing.

The City of Albany does not have an organization or entity dedicated solely to promoting fair housing and investigating or assisting in the filing of fair housing complaints. The Department of Community and Economic Development, which administers the CDBG and HUD programs provides assistance and information about fair housing as part of its program activities. DCED directs persons with questions or complaints to GCEO.

COORDINATION AND SUPERVISION IN THE HOMEOWNERSHIP MARKET

Many agencies are involved in overseeing real estate industry practices and the practices of the agents involved. A portion of this oversight involves ensuring that fair housing laws are understood and complied with. The following organizations have limited oversight within the lending market, the real estate market, and some of their policies, practices, and programs are described.

Federal Financial Institutions Examination Council (FFIEC) The Federal Financial Institutions Examination Council (FFIEC) is a formal interagency body empowered to prescribe uniform principles, standards, and report forms for the federal examination of financial institutions by the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision, and to make recommendations to promote uniformity in the supervision of financial institutions. The FFIEC

provides data on loan originations, loan denials, and other aspects of the home loan process, as well as preparing Community Reinvestment Act rating reports on financial institutions.

National Association of Realtors (NAR) The National Association of Realtors (NAR) is a consortium of realtors, which represent the real estate industry at the local, state, and national level. As a trade association, members receive a range of membership benefits. However, to become a member, NAR members must subscribe to its Code of Ethics and a Model Affirmative Fair Housing Marketing Plan developed by HUD. The term “Realtor” thus identifies a licensed real estate professional who pledges to conduct business in keeping with the spirit and letter of the Code of Ethics. “Realtors” subscribe to the NAR’s Code of Ethics, which imposes obligations upon realtors regarding their active support for equal housing opportunity.

Diversity Certification The NAR has created a diversity certification, “At Home with Diversity: One America”, to be granted to licensed real estate professionals who meet eligibility requirements and complete the NAR “At Home with Diversity” course. The certification signals to customers that the real estate professional has been trained on working with the diversity of today’s real estate markets.

Georgia Association of Realtors (GAR) The Georgia Association of Realtors is a trade association of realtors statewide. As members of the Association, realtors follow a strict code of ethics. The Association offers a certificate course, “At Home with Diversity, One America,” as part of its graduate education program. The Association Website also provides information about discrimination and guidelines for advertising language.

Georgia Real Estate Commission and Appraisers Board The Georgia Real Estate Commission and Appraisers Board is the licensing authority for real estate brokers and salespersons. The Commission has adopted education requirements that include courses in ethics and fair housing. To renew a real estate license, each licensee is required to complete continuing education.

COORDINATION AND SUPERVISION IN THE RENTAL MARKET

Many agencies oversee the apartment rental process and related practices. This oversight includes ensuring that fair housing laws are understood. The following organizations have limited oversight within the rental housing market.

Georgia Apartment Association (GAA) Founded in 1990, the Georgia Apartment Association (GAA) is a state chapter of the National Apartment Association dedicated to serving the interests of Georgia apartment owners and managers. There also several regional Apartment Associations across the State.

National Association of Residential Property Managers (NARPM) NARPM is an association of real estate professionals who are experienced in managing single- family and small residential properties. NARPM promotes the standards of property management, business ethics, professionalism, and fair housing practices within the residential property management field. NARPM certifies members in the standards and practices of the residential property management industry and promotes continuing professional education. NARPM offers designations to qualified property managers and management firms, and these certifications require educational courses in fair housing practices.

Thus, there are a number of professional organizations and government agencies that have varying degrees of supervision on matters of fair housing or which provide training on ethics and fair housing to their members.

OTHER FAIR HOUSING ORGANIZATIONS In addition, there are a number of not-for-profit organizations concerned with fair housing issues. These organizations provide assistance to individuals who feel that they may have been the subject of discriminatory acts, or they provide services related to fair housing issues, such as credit counseling.

The Consumer Credit Counseling Service of Southwest Georgia has an office in Albany and provides residents with pre-purchase counseling, and post purchase workshops. Its activities are sponsored by the Georgia Housing and Finance Authority.

The National Fair Housing Alliance is a national non-profit organization dedicated to assisting low-income persons with housing problems. This organization has affiliates in East Point and Savannah, but not in southwestern Georgia.

The resources and expertise of these organizations can be called upon to further fair housing and further collaboration and coordination with them can provide additional resource and expertise.

5) LENDING DATA AND PUBLIC POLICIES

This section of the AI evaluates lending practices in Albany, using Home Mortgage Disclosure Act (HMDA) data, information from banking oversight agencies, and complaint data from local, state, and federal organizations and agencies.

At the same time, public policies established at the local level can affect housing development and therefore, may have an impact on the range and location of housing choices available to residents. Fair housing laws are designed to encourage an inclusive living environment and active community participation. An assessment of public policies and practices enacted by the City can help determine potential impediments to fair housing opportunity. To identify potential impediments to fair housing choice and affordable housing development, housing-related documents (e.g., zoning code materials, previous fair housing assessments) were reviewed, and interviews with fair housing advocates and practitioners were conducted in preparing this AI.

HOME LOAN ACTIVITY

Background A key aspect of fair housing choice is equal access to financing for the purchase or improvement of a home. In 1977, the Community Reinvestment Act (CRA) was enacted to encourage regulated financial institutions to help meet the credit needs of entire communities, including low and moderate-income persons and neighborhoods. The Home Mortgage Disclosure Act (HMDA) requires financial institutions with assets exceeding ten (10) million dollars to submit detailed information on the disposition of home loans. HMDA data were evaluated in this AI with respect to lending patterns. This analysis examines key issues and data sets; the complete set of data for Albany is found in Appendix A.

Two (2) types of financing – conventional and government-backed – are examined. Conventional financing refers to market-rate loans provided by private lending institutions such as banks, mortgage companies, savings and loans, and thrift institutions.

Government-backed financing refers to loans offered at below-market interest rates that are typically issued by private lenders and are guaranteed by federal agencies. These loans are offered to lower and moderate income households who may experience difficulty in obtaining home mortgage financing in the private market due to income and equity issues. Several federal government agencies offer loan products that have below-market interest rates and are insured (“backed”) by the agencies. Sources of government-backed financing include the Federal Housing Administration, the Department of Veterans Affairs, and the Rural Housing Services/Farm Service Agency (RHA/FSA). Loans backed by local jurisdictions (such as silent second loans by cities and counties) are not covered under HMDA.

HMDA data provide some insight into the lending patterns that exist in a community. However, HMDA data is only an indicator of potential problems; the data cannot be used to conclude definite redlining or discrimination practices. HMDA data lack the detailed information on loan terms or specific reasons for denial to make conclusive statements.

Loan Activity In 2009, the most recent year for which complete data is available, only 413 loans for purchase were originated in the census tracts that comprise the City of Albany. The table below shows the total number of loans applied for, the numbers of loans originated, and the number denied as well as the results of other actions. It is interesting to note that the number of refinancing loans is twice the number of home purchase loans – 413 home purchase versus 826 refinancing loans. This reflects the situation in the housing market, which was still recovering from the recession and housing “bust.”

City of Albany Disposition of Loan Applications, 2009 TYPE OF LOAN

Disposition FHA/VA % of Conventi ona l % of % of Home % of (Purchase) Total App (Purchase) Total App Refinance Total App Improvement Total App Loans Originated 209 67.2% 204 72.9% 826 60.3% 56 41.5% Approved, Not accepted 6 1.9% 5 1.8% 44 3.2% 10 7.4% App Denied 57 18.3% 53 18.9% 296 21.6% 61 45.2% App W/drawn 31 10.0% 9 3.2% 157 11.5% 7 5.2% Incomplete 8 2.6% 9 3.2% 47 3.4% 1 0.7% Total Applications 311 280 1370 135 Source: Federal Financial Institutions Examination Council (FFIEC) Home Mortgage Disclosure Act (HMDA), 2009

These figures are for the entire City, and show that while the majority of home purchase loans were approved, over 18.0 percent were denied. Only a modest number of loans were approved but not accepted, indicating the potential buyer’s failure to close on the chosen property or a reassessment of the situation.

An important variable in dissecting lending outcomes is the percentage of withdrawn or incomplete loan applications. An understanding of the home buying and loan processes, income/equity requirements, and financial responsibility are important to a successful loan application and home purchase. Many households, particularly those entering the homeownership market the first time, lack financial knowledge to deal with the home buying process and may end up closing or withdrawing their application. A high rate of withdrawn or closed applications can be indicative of a lack of knowledge of the loan application and/or home buying process, or a lack of adequate assistance by the lender throughout the process. The lack of lender assistance may be discriminatory in motive or outcome. However, HMDA data are inadequate in proving motive. In any event, the percentage of withdrawn or incomplete applications in Albany was relatively low

The rate of denials for home improvement loans is high, almost one-half of the applications, as is the figure for applications approved but not accepted. The topic is often a complicated one for the borrower and the rate of withdrawal may reflect this fact.

More detailed figures by census tract are presented in Appendix A.

The HMDA data provide insight into the numbers of loans applied for, originated, and denied by race and ethnicity, though these figures are available only at the MSA level. Thus, a direct comparison or analysis of loan approvals and denials by census tract in Albany is not possible. However, the figures are useful for examining trends in the larger market, and assessing the general trends in Albany.

White loan applicants constituted the majority (56.4%) of loan application for the period, with African American applicants second at 29.5%. The loan denial rate was highest for African Americans (32.1%), followed by Joint Racial applications (25.0%), and American Indians (22.2%). African Americans do not have the highest percentage of withdrawn or incomplete applications, but the groups that do have higher percentages are far fewer in number. Whites had the lowest loan denial rate and a rate of withdrawn or incomplete applications that was low to moderate relative to the other groups and the number of applications involved.

The table below provides the complete set of data and calculations.

Albany MSA Disposition of Loan Applications by Race/Ethnicity, 2009 (Home Purchase, Refinance, and Home Improvement Loans)

Withdrawn, Withdrawn, Not Not # Loan # Loan # Loans Accepted, Accepted, Race/Ethnicity Applications Denial Applications Originated Closed or Closed or Denied Rate Incomplete Incomplete Loans %

American Indian/Alaskan 9 4 2 22.2% 3 33.3% Native

Asian 45 29 7 15.6% 7 15.6% Black or African‐ 1,557 771 500 32.1% 286 18.4% American Hawaiian or 7 4 1 14.3% 2 28.6% Pacific Islander White 2,981 2,065 418 14.0% 467 15.7% Two or More 1 0 0 0.0% 1 100.0% Minority Races Joint (White/Minority 28 19 7 25.0% 2 7.1% Race) Race Not 658 392 123 18.7% 136 20.7% Available Hispanic or 48 29 11 22.9% 8 16.7% Latino Not Hispanic or 4,560 2,851 916 20.1% 793 17.4% Latino Joint Hispanic 21 13 7 33.3% 1 4.8% or Latino Ethnicity Not 657 391 125 19.0% 134 20.4% Available

Source: Federal Financial Institutions Examination Council (FFIEC) Home Mortgage Disclosure Act (HMDA), 2009

The following table examines the same loan data, but from the perspective of the income levels of the applicants. The 120+% applicant group was by far the largest, more than twice the number of the second largest group, the 50 to 79 percent of Median Household Income group. As is typically the case, the rate of loan denial rate decreased as income level increased. The percentage of loan withdrawal was consistent across all income level, though the lower income ranges had the lower percentages of withdrawals.

Albany MSA Disposition of Loan Applications by Income Level, 2009 (Home Purchase, Refinance, and Home Improvement Loans)

# % Withdrawn, Withdrawn, # of % of Income of # of Loan # of Loans Not Not Loan Loans Applicant Applications Originated Accepted, Accepted, Denials Denied Closed, or Closed, or Incomplete Incomplete

< 50% of MHI 454 228 157 34.6% 69 15.2% 50‐79% MHI 811 436 258 31.8% 117 14.4% 80‐99% MHI 602 349 138 22.9% 115 19.1% 100‐119% MHI 540 335 106 19.6% 99 18.3% 120+% of MHI 2,300 1,494 352 15.3% 454 19.7%

Source: Federal Financial Institutions Examination Council (FFIEC) Home Mortgage Disclosure Act (HMDA), 2009

The HMDA data also shows the reasons for denial by race and ethnicity. The table below shows that among all races and ethnicities the primary reasons for denial were Collateral, Credit History, and Debt to Income Ratio. Credit History was the reason for the greatest number of denials, followed by Debt/Income Ratio and then Collateral. There is no clear trend in denials when examining the table by race or ethnicity. However, African Americans had the greatest number of denials and the percentage of denials based on Credit History was almost forty percent. Denial based on Debt/Income Ratio was somewhat higher than the rate for Whites. The Race Not Available group also had high rates of denial on the same bases.

Note that some of the highest percentages of denial result from a small number of cases.

The table below highlights the areas of highest denial, pink for the racial table, and green for the ethnic table.

Albany MSA Reasons for Loan Denial by Race and Ethnicity, 2009 (Home Purchase, Refinance, and Home Improvement Loans)

Debt/Income Ratio Employment Credit History Collateral Insufficient Cash Unverifiable Credit Appl. Other Race Ethnicity # Cases % of Cases # Cases % of Cases # Cases % of Cases # Cases % of Cases # Cases % of Cases # Cases % of Cases # Cases % of Cases # Cases % of Cases American Indian/Alaskan Native 0 0.0% 0 0.0% 0 0.0% 1 100.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% Asian 0 0.0% 0 0.0% 2 33.3% 1 16.7% 0 0.0% 0 0.0% 2 33.3% 1 16.7% Black or African‐ American 106 23.1% 4 0.9% 182 39.7% 65 14.2% 21 4.6% 18 3.9% 11 2.4% 52 11.3% Hawaiian or Pacific Islander 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 1 100.0% 0 0.0% 0 0.0% White 71 20.2% 41 11.7% 77 21.9% 62 17.7% 10 2.8% 7 2.0% 19 5.4% 64 18.2% Two or More Minority Races 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% Joint (White/Minority Race) 1 14.3% 0 0.0% 2 28.6% 3 42.9% 0 0.0% 0 0.0% 0 0.0% 1 14.3%

Race Not Available 26 28.6% 1 1.1% 34 37.4% 12 13.2% 1 1.1% 2 2.2% 0 0.0% 15 16.5% TOTAL 204 46 297 144 32 28 32 133

Hispanic or Latino 0 0.0% 0 0.0% 4 44.4% 1 11.1% 1 11.1% 1 11.1% 0 0.0% 2 22.2% Not Hispanic or Latino 176 21.5% 11 1.3% 320 39.2% 128 15.7% 30 3.7% 23 2.8% 31 3.8% 98 12.0% Joint Hispanic or Latino 2 25.0% 0 0.0% 4 50.0% 1 12.5% 0 0.0% 0 0.0% 0 0.0% 1 12.5% Ethnicity Not Available 26 25.0% 1 1.0% 40 38.5% 15 14.4% 2 1.9% 4 3.8% 1 1.0% 15 14.4%

Source: Federal Financial Institutions Examination Council (FFIEC) Home Mortgage Disclosure Act (HMDA), 2009

PERFORMANCE BY LENDER

CRA Rating The Community Reinvestment Act (CRA) is intended to encourage regulated financial institutions to help meet the credit needs of entire communities, including low and moderate- income neighborhoods. CRA ratings are provided for the main or regional headquarters of the financial institution. Depending on the type of institution and total assets, a lender may be examined by different agencies for its CRA performance. Databases maintained by the Federal Reserve Board (FRB), Federal Financial Institutions Examination Council (FFIEC), Federal Deposit Insurance Corporation (FDIC), and Office of the Comptroller of the Currency (OCC) were researched for the performance of the top financial institutions issuing home loans.

Among the lenders active in the City, seven received ratings from the FFIEC. The table below shows the rating received by these financial institutions. All lending institutions examined received either Outstanding or Satisfactory ratings.

FFIEC Interagency Community Reinvestment Act (CRA) Ratings Albany, GA MSA: 2009

Supervising Institution Name State Year Rated Rating Agency Albany Bank and Trust, N.A. GA OCC 2007 Satisfactory Ameris (First National Bank of GA OCC 1999 Satisfactory South Georgia) First State Bank and Trust GA FDIC 1996 Outstanding Company Flint Community Bank GA FDIC 2008 Satisfactory Heritage Bank of the South GA FDIC 2010 Satisfactory SB&T Bank ((Security Bank and GA FDIC 2010 Satisfactory Trust Company) SunTrust Bank, South Georgia GA OCC 1997 Satisfactory Source: Federal Financial Institutions Examination Council's (FFIEC), 2009

FAIR HOUSING COMPLAINT DATA

As described earlier, there are a number of organizations and agencies with oversight in the area of fair housing and discrimination in housing. This section of the Analysis of Impediments will review and assess information about housing discrimination complaints and reports on housing opportunity in Albany.

There were no Title VIII complaints filed in 2008.

The Georgia Commission on Equal Opportunity Website does not contain any information about housing discrimination complaints either statewide or locally. Attempts to obtain information about fair housing complaints from the Commission were unsuccessful. However, since the Commission is the HUD certified administrator for fair housing issues, the data obtained from the HUD Fair Housing Equal Opportunity Website is very likely as accurate and current as any obtained from the Commission.

The FHEO data is available only at the County level and thus the figures presented here reflect the County, not simply the City. The data cover the period April 1997 to November 2010. During this period there were fourteen complaints filed. A breakdown by year and type of complaint follows:

Fair Housing Complaints Filed with HUD, Dougherty County, 2007-2010

Year Basis of Complaint 2007 Race- African American 2008 Sex 2008 Race- African American 2008 Race - White 2008 Race- African American 2008 Race & Familial Status 2008 Race – African American & Sex 2009 Sex 2009 Race – African American & Color 2009 Race- African American 2010 Disability 2010 Disability & Familial Status 2010 Disability 2010 Race- African American

A complaint may be filed on multiple grounds and the statistics also show what race was the subject of ther complaint. One-half of these complaints are based upon Race, and three are based upon Sex. Familial Status appears only twice. The more recent cases involve complaints based upon Disability, a growing trend nationwide.

PUBLIC POLICIES AND PRACTICES

This section of the Analysis focuses on public and private policies that may impede fair housing choice in Albany. After discussing these public and private sector policies, the results of the City’s fair housing survey are presented. This survey, part of a larger survey for the Consolidated Plan, was conducted to determine the extent to which impediments to housing, whether intentional or unintentional, were evident to residents and what the nature of those impediments are. This survey helped to identify the impediments to fair housing choices that exist in Albany.

Georgia law requires municipalities to prepare Comprehensive Plans, including a Housing Element. This element establishes a goal of ensuring that all residents of the state have access to adequate and affordable housing. The Comprehensive Plan also includes a housing opportunities objective to provide quality housing and a range of housing size, cost, and density that should be provided in each community, to make it possible for all who work in the community to also live in the community. Local governments are required to evaluate the composition and quality of the community’s housing stock, the age and condition of housing, the cost of housing, the needs of households that are cost burdened, the relationship of local housing costs and availability to

the socioeconomic characteristics of these households and special housing needs in the community (e.g., housing needs of residents who are elderly; homeless; victims of domestic violence; migrant farm workers; persons with mental, physical, or developmental disabilities; persons with HIV/AIDS; and persons recovering from substance abuse).

The City’s Housing Element, part of the 2005-2025 Comprehensive Plan, emphasizes the cost burden of housing especially upon low- and moderate-income households. It also notes the need for housing appropriate to the needs of the elderly, the disabled and other persons with special needs, including the need for group homes. The Element does not specifically identify measures, programs, or ordinances to address fair housing issues, but does recommend developing a range of housing opportunities, and “amending development regulations … to remove impediments to the development of desirable housing types.”

The fair housing equation is balanced on one end with equal access and on the other end with a range of housing choice. To ensure fair housing choice in a community, a zoning ordinance should provide for a range of housing types, including single-family, multi family, second dwelling units, mobile homes, licensed community care facilities, employee housing for seasonal or migrant workers, assisting living facilities, emergency shelters, and transitional housing. Single and multi-family housing types include detached and attached single-family homes, duplexes, townhomes, condominiums, and rental apartments.

The City also has a Zoning Ordinance and Building Codes, both of which serve to protect the public interest and create safe and sanitary living conditions. However, both can affect fair housing choice. Inspection costs, permit fees, and higher quality construction requirements tend to drive up the cost of housing. Requirements for various kinds of building permits also increase the cost of a housing unit. Similarly zoning requirements that define or exclude certain types of housing can reduce the opportunity to develop a range of housing choices for individuals across the community.

The City’s Zoning Ordinance provides for a range of housing choices and permits group homes and transitional housing for up to six persons in defined areas. Zoning issues were not perceived as an impediment to housing choice. The City enforces the State’s building codes, which include accessibility standards. Code issues were not seen as an impediment to housing choice.

The Department of Economic and Community Development Community Survey focused on Fair Housing issues. Overall, the level of responses to these topics was lower than for other parts of the survey. However, some of the questions were detailed or specific to zoning and land use issues with which the average citizen might not be familiar. The results of the survey are summarized below.

Over one-third of respondents believe that discrimination is common and almost three-quarters of respondents believe it is has a significant presence.

While one quarter of respondents believes discrimination is not a concern in Albany, almost forty percent of respondents do see it as a growing issue.

Questions Three through Six deal with the respondents’ perception of how well certain groups understand fair housing rights. The key point from these results is that, overall, the respondents feel that the professionals, real estate brokers, lenders, and apartment managers, involved in housing have a good or at least moderate understanding of fair housing rights. Apartment owners and managers were thought to have the poorest understanding, but two-thirds of respondents felt that this group understood fair housing well or Moderately Well However, buyers and sellers are perceived to have the poorest understanding of any of these groups.

Question Seven makes it clear that the respondents feel that people do not know where to report discrimination of they encountered it. Eighty-one percent of survey respondents thought people would not know where or how to report a complaint.

Question Eight responses indicate a general understanding (50% saying yes) that the City does have a Planning Department, though over one-third of respondents said that they did not know.

Question Nine shows that again, there is a general understanding that the City does have a zoning ordinance (53% answering yes to the question). The percentages are very similar to the preceding set of responses in that over one-third of the responses were “Don’t Know.”

Question Ten focused on initiatives to examine or re-examine a number of means to address fair housing and accessibility issues. The high percentage of “Don’t’ Know” responses (61%) is typical for many, if not most, municipalities.

Questions Eleven and Twelve focused on the tools that communities may use to encourage the development of affordable housing, and the community’s efforts to keep these tools current. Again, many residents, not involved in housing issues, may not be aware of these tools or even with the issue of fair and affordable housing. Indeed, the high number of persons who skipped question eleven is indicative of a lack of knowledge of these specialized topics.

The survey instrument and a synopsis of the results are located in Appendix B.

OBSERVATIONS

The key points that emerge from the preceding discussion are:

1. The HMDA data are inconclusive in identifying or defining any impediment to fair housing. 2. However, the loan denial rate is higher for African-Americans than other groups. 3. The number of complaints is modest for the period under review. 4. However, the survey results indicate that many residents may not know how or where to file a complaint. 5. While Race has been the basis for one-half of the complaints, Disability has been the major basis for complaints in the past year. 6. There are concerns about the effect of the city’s Zoning Ordinance on the ability to locate and produce a range of housing opportunities.

6) CONCLUSIONS AND RECOMMENDATIONS

This section summarizes the key findings of the previous AI document, makes recommendations about actions to eliminate impediments to fair housing choice in Albany. This information is by no means comprehensive, and there undoubtedly remain a number of additional remedies to these and other problems faced by home seekers.

Housing discrimination continues to occur, and manifests itself in different ways among different segments of the population. Since it continues to be the goal of the City to eliminate any existing discrimination and prevent future housing discrimination and other impediments to equal housing opportunity, the recommendations provided below provide a guide to ensure fair access to housing for all City residents.

This 2010 AI builds upon the previous AI, analyzing data and identifying the private and public sector conditions that foster housing discrimination, and providing recommendations for dealing with the fair housing issues identified. Based upon research and interviews with persons involved in housing and land use issues in the City, the following is a list of key impediments that exist in Albany. Each impediment is followed by recommendations to address and eliminate that impediment.

Several of these topics are closely related and linkages among them are noted.

IMPEDIMENT ONE – DISCRIMINATION IN THE HOUSING MARKET The review of demographic information, discrimination complaint data, and data obtained from interviews indicate that there may be housing discrimination among persons in the protected classes. Statistical data can assist in identifying problems and topics of concern, however, reporting requirements among the various agencies and organizations vary, as does the quality of data provided. Further, much of the available data is at least a year old by the time it is available.

The small number of reported fair housing complaints makes it difficult to discern any trend or pattern. More focused and current data is necessary to determine patterns of housing discrimination.

In the current economy, the incidences of discrimination are likely to center on rental housing, and the focus of efforts in the immediate future should be upon aspects of discrimination in the rental market.

The City should be sensitive to discrimination among certain protected classes. ¾ Small households – These households comprise over 6,500 households according to CHAS statistics, which is approximately 46.0% of households in the City. Though specific statistics are not available about discrimination, small households often face discrimination, particularly in the rental housing market. ¾ The Disabled – Like the Small households, this group faces a situation in which there are few units available relative to the size of the population in need of small units. ¾ Racial/Ethnic Groups – African Americans comprise almost 70 percent of the City’s population. Based upon the complaint data, the issue of race is a significant basis for

discrimination in the housing market, and, looking at the HMDA data, African Americans have a higher percentage of loan denials than any other racial or ethnic group.

Recommendations 1) Educate households and housing related organizations by disseminating Fair Housing law literature, conducting Fair Housing law seminars and training, and focusing public awareness campaigns about Fair Housing law in ethnic and minority neighborhoods, and among civic, social, religious, and special interest groups. The City is active in this regard, and these efforts should be continued and even expanded, especially in the current, difficult economy. 2) Conduct training sessions and information campaigns especially among rental property owners and managers, as well as apartment owner associations, and management companies. 3) Expand efforts to inform renters and homebuyers of their rights and recourse, if they feel they have been discriminated against. 4) Increase housing choice alternatives for the disabled and families with children by encouraging the construction of affordable, and especially rental, housing (See affordability below). 5) Convene focus groups of advocacy groups, community based organizations, real estate industry professionals, lenders, property owners, and government agency officials to review and assess fair housing issues. These groups should identify discriminatory practices, trends, or changes in these practices, focal points of discriminatory practice, and the means or methods to address them. 6) Related to the previous recommendation, ethnic, religious, and service groups should be educated about Fair Housing issues and encouraged to serve as conduits for information, questions, and complaint procedures for their membership. This will not only broaden the knowledge of Fair Housing practice in the City, but also provide more knowledge of the number and types of issues being confronted. 7) Update Fair Housing information regularly and adjust strategies and actions accordingly. In particular, the groups mentioned above should meet yearly or every eighteen months to review and update plans and programs. 8) The City should seek the resources to expand the data collection and analysis capabilities of the local fair housing entities. Efforts to implement a Fair Housing testing and auditing program, focusing upon rental properties at this time should be undertaken. Collaboration with a statewide or regional organization is perhaps the best means to develop or participate in the latter effort.

IMPEDIMENT TWO – LIMITED SUPPLY OF AFFORDABLE HOUSING As discussed earlier, affordability is one aspect of housing discrimination and it is difficult to talk about addressing impediments to fair housing, and actions to eliminate discrimination in housing, without simultaneously talking about development of policies, plans, programs, and projects to increase the supply of affordable housing.

Earlier sections of this Analysis and the Housing Market Analysis in the Consolidated Plan address the issue of affordability in detail, and the arguments and statistics will not be repeated here. Suffice to say that even moderate-income households face challenges in purchasing a home in Albany, and low-income families face a significant cost burden for rental housing.

Recommendations 1) Continue to use all available federal and state funding resources and programs to address high priority housing needs for rehabilitation, preservation, and development of affordable units. 2) Continue to work with community based organizations, affordable housing developers, and housing advocacy groups to increase the supply of larger and disability accessible housing units, leveraging resources to the extent possible. 3) Take advantage of the Neighborhood Stabilization Program resources to acquire housing units and make them affordable. 4) Work with the Zoning Board to create a broader, more applicable Zoning Ordinance that would make make affordable units available in a wider range of developments and areas of the City. (See zoning below.) Ensure that any ordinance refers and applies to all persons and types of tenure. 5) Continue and, if possible, expand housing rehabilitation programs to maintain the City’s base of affordable units, both owner-occupied and rental. 6) Research other affordable housing programs for additional ideas and practices. Toolkits may be found on a number of Websites, including: Orange County, FL – www.orangecountyfl.net/cms/workforcehousing Washington Area Housing Partnership – www.wahpdc.org.

IMPEDIMENT THREE – ZONING, PLANNING, AND LAND USE ISSUES This impediment deals with issues relating to the development of land including housing that is available to a wide range of persons and income levels in disparate locations.

Recommendations 1) Ensure that reasonable accommodation and disabled access issues are properly addressed. 2) Do as much as possible to reduce review and approval process times for both new construction and home modification applications. 3) Encourage the use of “visitability,” ADA compliance, and universal design principles in new housing construction.

IMPEDIMENT FOUR – LOCAL OPPOSITION (NIMBY) The proposed development or location of affordable housing, group homes, public housing, or Section 8 housing often draws criticism and opposition from neighborhood residents. This “not- in-my-backyard” (NIMBY) attitude affects the availability of housing for people in the protected classes and is a significant challenge to achieving fair housing objectives.

The City does not appear to have a significant problem with NIMBYism. In part, this is due to the current economic climate in which development of potentially controversial projects is limited and in which other issues (e.g., job creation, crime) receive more attention. However, as part of a broader campaign to ensure fair housing choice, the City can implement the following recommendations.

Recommendations 1) Ensure that local zoning ordinances and building codes properly address issues of concern with respect to higher density housing, persons with disabilities, and group homes/congregate living/community care. 2) Encourage developers, housing advocacy groups, and other interested parties to conduct neighborhood outreach and information campaigns before submitting projects for review and approval. 3) Undertake a public outreach/education program about fair housing and affordable housing on a regular basis. While such efforts will not lay all misconceptions to rest, a broader understanding of the nature of fair housing and the types of persons and families involved will mitigate at least some opposition.

IMPEDIMENT FIVE - LENDING PRACTICES This Analysis found that some groups did have higher rates of loan denial and loan withdrawal than other groups. The issue does not appear to have generated specific complaints. However, the City should, to the extent possible, ensure that persons seeking loans for home purchase or improvement are aware of lending practices and procedures. Consumer education and financial literacy were constant topics of discussion at public meetings and focus groups sessions.

Recommendations 1) Expand financial literacy and credit counseling programs, especially in minority and lower-income neighborhoods. 2) Develop programs to foster conventional lending and banking services in underserved neighborhoods and to specific groups of persons.

APPENDIX A

HMDA DATA Page 1 of 3 LIST OF FINANCIAL INSTITUTIONS WHOSE DATA MAKE UP THE 2009 MSA/MD AGGREGATE REPORT

MSA/MD: 10500 - ALBANY, GA INSTITUTIONS WHO HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD

ACCESS NATIONAL MORTGAGE CORP ALBANY BANK & TRUST, N. A. AMERICAN EQUITY MORTGAGE, INC. AMERICAN GENERAL FIN.SERV.(DE) AMERIS BANK AMERISAVE MORTGAGE CORPORATION BANK OF AMERICA, N.A. BANK OF DAWSON BANK OF EARLY BANK OF TERRELL BENEFICIAL COMPANY LLC Cimarron Mortgage Company CAPITOL CITY BANK & TRUST CO CARDINAL FINANCIAL COMPANY CITIFINANCIAL SERVICES, INC. CITIMORTGAGE, INC COLONY BANK COLONY MORTGAGE CORP COUNTRYWIDE BANK FSB CRESCENT MORTGAGE COMPANY DOCO REGIONAL FCU EMBRACE HOME LOANS, INC. ENVOY MORTGAGE LTD EVERHOME MORTGAGE COMPANY FIFTH THIRD MORTGAGE COMPANY FIRST RESIDENTIAL MORTGAGE FIRST STATE BANK OF BLAKELY FLINT COMMUNITY BANK FRANKLIN AMERICAN MORTGAGE CO FREEDOM MORTGAGE CORP. GMAC MORTGAGE LLC HERITAGEBANK OF THE SOUTH HOME LOAN CENTER HOMELAND LENDING INC HOMEOWNERS MORTGAGE ENTERPRISE HOMEOWNERS MORTGAGE OF AMERICA HOMETOWN MORTGAGE SERVICES INC HSBC MORTGAGE CORP IFREEDOM DIRECT CORPORATION LIBERTY MORTGAGE CORPORATION MORTGAGE INVESTORS CORPORATION MORTGAGEAMERICA, INC. NATIONSTAR MORTGAGE LLC NATIONWIDE MORTGAGE CONCEPTS, NEW DAY FINANCIAL, LLC NEW PENN FINANCIAL, LLC NFCU NFM, INC. ONE REVERSE MORTGAGE, LLC PEOPLESSOUTH BANK PHH MORTGAGE CORPORATION PINE STATE MORTGAGE CORP PLATINUM MORTGAGE, INC. PLAZA HOME MORTGAGE, INC. PRIMARY CAPITAL ADVISORS LC PRIMARY RESIDENTIAL MORTGAGE PRIME HOME MORTGAGE, INC. PROVIDENT FUNDING ASSOCIATES QR LENDING INC QUICKEN LOANS REAL ESTATE MORTGAGE NETWORK REGIONS BANK SB&T SHORE MORTGAGE SIDUS FINANCIAL, LLC SOUTHWEST GEORGIA BANK SUNTRUST BANKS, INC SUNTRUST MORTGAGE, INC SYNOVUS MORTGAGE CORPORATION TAYLOR, BEAN & WHITAKER WALKER JACKSON MORTGAGE CORP WELLS FARGO FUNDING, INC 21ST MORTGAGE

Report Date: 05/24/2010 Page 2 of 3 LIST OF FINANCIAL INSTITUTIONS WHOSE DATA MAKE UP THE 2009 MSA/MD AGGREGATE REPORT

MSA/MD: 10500 - ALBANY, GA INSTITUTIONS WHO DO NOT HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD

ACADEMY MORTGAGE CORPORATION ALLEN MORTGAGE, LLC ALLIED HOME MTG CAPITAL CORP. ALLY BANK F/K/A/ GMAC BANK AMERA MORTGAGE CORPORATION AMERICAHOMEKEY, INC AMERICAN BANK AMERICAN ENTERPRISE BANK OF FL AMERICAN FINANCIAL RESOURCES AMERITRUST MORTGAGE, INC. ASSURITY FINANCIAL SERVICES ATLANTIC COAST BANK AURORA BANK FSB BANK OF ENGLAND BANK OF MONTICELLO BANK OF UPSON BARRONS MORTGAGE GROUP LTD BIRMINGHAM BANCORP MORTGAGE CO BNC NATIONAL BANK BRANCH BANKING AND TRUST CO CAPITAL CITY BANK CAPITAL ONE HOME LOANS, LLC CAPITAL ONE NA CARNEGIE MORTGAGE CBC NATIONAL BANK CENTRAL BANK OF GEORGIA CITIBANK, N.A. CITICORP TRUST BANK FSB COLE TAYLOR BANK COMMERCIAL BANKING COMPANY COVENANT MORTGAGE CORPORATION CREDIT UNION FINANCIAL SERVICE D & R MORTGAGE CORP DELTA COMMUNITY CREDIT UNION DIGITAL FEDERAL CREDIT UNION DISCOVER BANK DOMESTIC BANK DOVER MORTGAGE COMPANY E MORTGAGE MANAGEMENT, LLC EQUIFIRST CORPORATION EQUITY LOANS LLC EQUITY RESOURCES INC EQUITY SERVICES, INC. EVERBANK EVERETT FINANCIAL INC FARMERS & MERCHANTS BANK FIDELITY BANK FIFTH THIRD BANK FINANCIAL FREEDOM ACQUISITION FIRST BANK MORTGAGE FIRST CITIZENS FIRST FEDERAL FIRST FEDERAL BANK OF FLORIDA FIRST FEDERAL SAVINGS BANK FIRST GUARANTY MORTGAGE COPR FIRST NATIONAL ACCEPTANCE CO., FIRST NATIONAL BANK OF CC FIRST OHIO BANC & LENDING INC FIRST STAR BANK, SSB FIRST TENNESSEE BANK NA FLAGSTAR BANK FSU CREDIT UNION Greentree Mortgage Co., L.P. Guaranteed Rate Inc GATEWAY BANK, FSB GB MORTGAGE, LLC GEORGIA BANK & TRUST CO GUARANTY TRUST COMPANY HFC COMPANY LLC HOME LOAN INVESTMENT BANK HOME SAVINGS OF AMERICA HSBC BANK USA, NA ING BANK, FSB JAMES B. NUTTER & CO. JPMORGAN CHASE BANK, NA LENDMARK FINANCIAL SERVICES LSI MORTGAGE-PLUS M&I BANK FSB MACKINAC SAVINGS BANK, FSB MAGNIFY CREDIT UNION MERIDIAS CAPITAL INC MERRILL LYNCH CREDIT CORP METLIFE BANK, N.A. MICHIGAN MUTUAL, INC. d/b/a FI MIDFIRST BANK MORTGAGE INVESTORS GROUP MORTGAGE LENDERS OF AMERICA MORTGAGE NOW INC MORTGAGE RESEARCH CENTER MORTGAGE SOURCE LLC MULTI-STATE HOME LENDING, INC. NAPUS FEDERAL CREDIT UNION NATIONAL BANK OF KANSAS CITY NATIONAL BANK OF ST ANNE NETWORK FUNDING LP NEW YORK COMMUNITY BANK NORTHWEST FEDERAL CREDIT UNION OCEANSIDE MORTGAGE COMPANY ONEWEST BANK, FSB OXFORD CAPITAL LLC PENTAGON FEDERAL CREDIT UNION PILOT BANK PINNACLE MORTGAGE GROUP, INC. PLANTERSFIRST PNC BANK NA POLARIS HOME FUNDING CORP. PREMIUM CAPITAL FUNDING LLC PRIMELENDING PRIMESOUTH MORTGAGE PROSPECT MORTGAGE, LLC RBC BANK RELIANCE FIRST CAPITAL LLC REPUBLIC STATE MORTGAGE CO RESIDENTIAL FINANCE CORP ROBINS FEDERAL CREDIT UNION ROSE LAND AND FINANCE CORP. Somerset Investors Corp. SACU SEA ISLAND BANK SEASIDE NATIONAL BANK & TRUST SECURITY ATLANTIC WHOLESALE SECURITY ONE LENDING SERVICE 1ST MORTGAGE, INC. SIRVA MORTGAGE, INC. SOUTHEAST MORTGAGE OF GA, INC STATE FARM BANK STEARNS LENDING, INC. STERLING NATIONAL MORTGAGE CO. SUN WEST MORTGAGE COMPANY, INC SUNMARK COMMUNITY BANK TALBOT STATE BANK THE HUNTINGTON NATIONAL BANK THE MORTGAGE OUTLET, INC. THE PARK AVENUE BANK TMG REAL ESTATE & FINANCIAL TOWNE MORTGAGE COMPANY URBAN FINANCIAL GROUP INC US BANK NORTH DAKOTA

Report Date: 05/24/2010 Page 3 of 3 LIST OF FINANCIAL INSTITUTIONS WHOSE DATA MAKE UP THE 2009 MSA/MD AGGREGATE REPORT

MSA/MD: 10500 - ALBANY, GA INSTITUTIONS WHO DO NOT HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD

US BANK, N.A. USAA FEDERAL SAVINGS BANK VANDERBILT MORTGAGE VANDYK MORTGAGE CORPORATION WACHOVIA BANK NA WACHOVIA MORTGAGE FSB WEICHERT FINANCIAL SERVICES WELLS FARGO BANK, NA YOUR MORTGAGE SOURCE 1ST CHOICE MORTGAGE/EQUITY COR 1ST MARINER BANK

Report Date: 05/24/2010 AGGREGATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009 Page 1 of 7

ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD: 10500 - ALBANY, GA

Loans on 1-to-4 Family and Manufactured Home Dwellings Nonoccupant Loans On % Median Home Purchase Loans Loans on Dwellings CENSUS TRACT OR COUNTY NAME AND Loans From Manufactured Home Min Income As Refinancings Home Improvement For 5 or More DISPOSITION OF APPLICATION 1/ Columns A, B, C Dwellings From Pop PCT of Loans Families (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional and D Columns A, B, C & D 4/ MSA/MD Median A B C D E F G Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's

GA/DOUGHERTY COUNTY/0001.00 77 59 LOANS ORIGINATED 7 568 5 294 21 1219 1 15 14 816 2 99 APPROVED, NOT ACCEPTED 1 15 1 5 APP DENIED 2 62 13 715 2 74 APP WITHDRAWN 1 97 10 755 1 3 FILES CLOSED FOR INCOMPLETENESS 1 71 GA/DOUGHERTY COUNTY/0002.00 96 42 LOANS ORIGINATED 1 54 3 83 15 1596 3 403 19 1986 APPROVED, NOT ACCEPTED 2 51 APP DENIED 2 128 1 32 10 644 3 88 2 69 1 32 APP WITHDRAWN 1 69 4 214 FILES CLOSED FOR INCOMPLETENESS 1 48 GA/DOUGHERTY COUNTY/0003.00 49 70 LOANS ORIGINATED 1 71 2 100 13 9166 12 8911 APPROVED, NOT ACCEPTED APP DENIED 1 56 7 391 1 56 APP WITHDRAWN 1 178 FILES CLOSED FOR INCOMPLETENESS GA/DOUGHERTY COUNTY/0004.00 33 110 LOANS ORIGINATED 31 3159 23 1875 58 6814 1 102 34 4695 APPROVED, NOT ACCEPTED 1 115 1 122 5 445 1 94 APP DENIED 3 322 8 535 15 1400 4 14 3 220 APP WITHDRAWN 5 527 10 979 FILES CLOSED FOR INCOMPLETENESS 1 99 3 284 2 152 GA/DOUGHERTY COUNTY/0005.00 21 157 LOANS ORIGINATED 45 6253 57 9658 162 24950 12 468 26 5799 APPROVED, NOT ACCEPTED 1 182 1 143 6 845 2 137 1 88 APP DENIED 16 2259 6 1178 46 7182 7 375 2 77 APP WITHDRAWN 7 1017 3 577 28 3795 1 87 FILES CLOSED FOR INCOMPLETENESS 2 370 2 322 6 1064 GA/DOUGHERTY COUNTY/0006.00 21 113 LOANS ORIGINATED 23 2275 8 591 45 5111 1 117 1 97 16 1811 APPROVED, NOT ACCEPTED 1 105 1 67 1 67 APP DENIED 5 498 8 568 15 1435 1 101 1 80 APP WITHDRAWN 2 200 1 65 12 1441 1 128 FILES CLOSED FOR INCOMPLETENESS 2 173 1 160 1 120

Report Date: 05/24/2010 AGGREGATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009 Page 2 of 7

ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD: 10500 - ALBANY, GA

GA/DOUGHERTY COUNTY/0007.00 22 125 LOANS ORIGINATED 6 521 3 232 21 2707 2 20 17 1761 APPROVED, NOT ACCEPTED APP DENIED 3 296 4 320 APP WITHDRAWN 4 369 FILES CLOSED FOR INCOMPLETENESS 2 222 GA/DOUGHERTY COUNTY/0008.00 84 45 LOANS ORIGINATED 2 148 2 222 7 401 1 200 8 589 APPROVED, NOT ACCEPTED APP DENIED 1 47 1 7 APP WITHDRAWN FILES CLOSED FOR INCOMPLETENESS 1 58 GA/DOUGHERTY COUNTY/0009.00 44 68 LOANS ORIGINATED 10 948 10 724 25 3030 1 56 26 3032 APPROVED, NOT ACCEPTED 1 98 APP DENIED 9 656 4 260 6 636 1 98 1 21 APP WITHDRAWN 2 123 1 84 FILES CLOSED FOR INCOMPLETENESS GA/DOUGHERTY COUNTY/0010.00 41 95 LOANS ORIGINATED 4 306 4 186 11 817 2 11 10 709 APPROVED, NOT ACCEPTED APP DENIED 2 71 7 384 APP WITHDRAWN 1 75 1 84 FILES CLOSED FOR INCOMPLETENESS GA/DOUGHERTY COUNTY/0011.00 90 78 LOANS ORIGINATED 4 385 7 431 52 4607 6 298 3 202 29 2646 2 13 APPROVED, NOT ACCEPTED 4 317 2 123 1 32 APP DENIED 2 114 2 107 29 2189 17 386 2 144 APP WITHDRAWN 2 126 1 22 13 1226 5 192 1 22 FILES CLOSED FOR INCOMPLETENESS 5 404 1 72 GA/DOUGHERTY COUNTY/0012.00 97 44 LOANS ORIGINATED 8 1166 1 51 1 146 8 1166 APPROVED, NOT ACCEPTED APP DENIED 1 32 1 12 2 44 APP WITHDRAWN 1 286 FILES CLOSED FOR INCOMPLETENESS

Report Date: 05/24/2010 AGGREGATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009 Page 3 of 7

ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD: 10500 - ALBANY, GA

GA/DOUGHERTY COUNTY/0013.00 73 75 LOANS ORIGINATED 4 799 1 72 1 72 APPROVED, NOT ACCEPTED APP DENIED 1 83 1 225 1 83 APP WITHDRAWN FILES CLOSED FOR INCOMPLETENESS 1 164 GA/DOUGHERTY COUNTY/0014.01 100 58 LOANS ORIGINATED 1 53 2 146 7 507 9 653 APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN 1 150 FILES CLOSED FOR INCOMPLETENESS GA/DOUGHERTY COUNTY/0014.02 99 57 LOANS ORIGINATED 3 216 12 3158 12 3186 APPROVED, NOT ACCEPTED 1 63 1 63 APP DENIED 5 257 1 3 APP WITHDRAWN 1 200 FILES CLOSED FOR INCOMPLETENESS GA/DOUGHERTY COUNTY/0015.00 100 41 LOANS ORIGINATED 2 345 3 198 26 9551 1 37 5 3080 26 9260 APPROVED, NOT ACCEPTED 1 137 1 77 APP DENIED 4 531 3 39 3 74 APP WITHDRAWN 1 40 FILES CLOSED FOR INCOMPLETENESS GA/DOUGHERTY COUNTY/0101.00 52 101 LOANS ORIGINATED 5 498 6 246 28 2973 5 36 5 255 2 55 APPROVED, NOT ACCEPTED 1 30 APP DENIED 1 70 18 1387 5 25 2 117 5 161 APP WITHDRAWN 1 73 13 1351 1 33 1 130 FILES CLOSED FOR INCOMPLETENESS 2 185 GA/DOUGHERTY COUNTY/0102.00 3 146 LOANS ORIGINATED 2 347 2 232 17 4138 1 112 1 271 3 646 APPROVED, NOT ACCEPTED APP DENIED 3 406 3 836 1 252 APP WITHDRAWN 1 79 1 210 10 2288 FILES CLOSED FOR INCOMPLETENESS 2 360

Report Date: 05/24/2010 AGGREGATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009 Page 4 of 7

ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD: 10500 - ALBANY, GA

GA/DOUGHERTY COUNTY/0103.01 82 140 LOANS ORIGINATED APPROVED, NOT ACCEPTED APP DENIED 1 259 APP WITHDRAWN FILES CLOSED FOR INCOMPLETENESS 1 68 GA/DOUGHERTY COUNTY/0103.02 91 55 LOANS ORIGINATED 1 54 5 177 22 1827 2 40 16 1308 1 16 APPROVED, NOT ACCEPTED 1 87 2 100 APP DENIED 2 111 16 884 1 50 1 30 1 76 APP WITHDRAWN 8 594 FILES CLOSED FOR INCOMPLETENESS 2 135 1 32 GA/DOUGHERTY COUNTY/0104.01 23 217 LOANS ORIGINATED 48 8481 39 7520 172 29511 9 525 15 2387 APPROVED, NOT ACCEPTED 12 2049 1 113 1 42 APP DENIED 5 865 2 258 38 6160 6 49 1 25 APP WITHDRAWN 7 930 4 689 33 7552 3 407 FILES CLOSED FOR INCOMPLETENESS 16 2574 1 190 GA/DOUGHERTY COUNTY/0104.02 75 121 LOANS ORIGINATED 9 1241 9 1248 47 6207 2 137 2 3110 13 1706 APPROVED, NOT ACCEPTED 1 127 3 563 1 35 1 320 APP DENIED 4 356 18 2556 4 212 APP WITHDRAWN 3 312 2 559 13 1955 1 36 FILES CLOSED FOR INCOMPLETENESS 6 621 GA/DOUGHERTY COUNTY/0104.03 43 127 LOANS ORIGINATED 3 804 8 2027 42 9440 4 93 5 244 APPROVED, NOT ACCEPTED 2 379 APP DENIED 2 481 17 4895 3 16 APP WITHDRAWN 2 237 4 930 9 2282 1 149 FILES CLOSED FOR INCOMPLETENESS 6 1250 GA/DOUGHERTY COUNTY/0105.00 61 107 LOANS ORIGINATED 5 358 4 205 23 3014 4 107 5 329 2 71 APPROVED, NOT ACCEPTED 3 331 APP DENIED 14 1694 1 3 1 64 APP WITHDRAWN 7 586 1 7 1 70 FILES CLOSED FOR INCOMPLETENESS 1 198 1 10

Report Date: 05/24/2010 AGGREGATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009 Page 5 of 7

ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD: 10500 - ALBANY, GA

GA/DOUGHERTY COUNTY/0106.01 100 52 LOANS ORIGINATED 4 581 8 3799 1 33 16 6916 11 4277 APPROVED, NOT ACCEPTED APP DENIED 2 76 5 293 1 10 APP WITHDRAWN FILES CLOSED FOR INCOMPLETENESS 2 170 1 27 GA/DOUGHERTY COUNTY/0106.02 87 75 LOANS ORIGINATED 1 217 30 3085 7 93 8 308 APPROVED, NOT ACCEPTED 5 618 1 28 APP DENIED 3 488 29 3905 5 261 2 433 APP WITHDRAWN 14 3329 FILES CLOSED FOR INCOMPLETENESS 3 571 GA/DOUGHERTY COUNTY/0107.00 80 59 LOANS ORIGINATED 4 345 10 643 41 4161 2 23 2 1436 40 4184 APPROVED, NOT ACCEPTED 1 51 2 88 2 88 1 51 APP DENIED 2 191 15 688 11 488 2 44 5 188 14 643 APP WITHDRAWN 5 298 1 45 1 51 FILES CLOSED FOR INCOMPLETENESS 1 30 1 30 GA/DOUGHERTY COUNTY/0108.00 49 105 LOANS ORIGINATED 1 76 1 110 APPROVED, NOT ACCEPTED APP DENIED 1 111 APP WITHDRAWN FILES CLOSED FOR INCOMPLETENESS GA/DOUGHERTY COUNTY/0109.00 60 108 LOANS ORIGINATED 10 972 1 50 17 1772 3 93 2 184 1 134 APPROVED, NOT ACCEPTED 2 231 APP DENIED 2 168 3 347 20 2458 4 22 1 2 APP WITHDRAWN 1 89 9 1439 FILES CLOSED FOR INCOMPLETENESS 3 360 GA/DOUGHERTY COUNTY/0110.00 32 113 LOANS ORIGINATED 15 1331 4 171 38 3197 6 89 5 185 APPROVED, NOT ACCEPTED 3 224 1 97 APP DENIED 4 312 23 2184 6 140 2 113 3 235 APP WITHDRAWN 3 267 4 390 FILES CLOSED FOR INCOMPLETENESS 6 629

Report Date: 05/24/2010 AGGREGATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009 Page 6 of 7

ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD: 10500 - ALBANY, GA

GA/DOUGHERTY COUNTY/0111.00 41 129 LOANS ORIGINATED 4 485 3 225 22 2689 2 66 7 317 5 301 APPROVED, NOT ACCEPTED 1 291 4 383 APP DENIED 4 441 15 1934 3 33 1 5 4 344 APP WITHDRAWN 4 456 6 933 3 263 FILES CLOSED FOR INCOMPLETENESS 6 891 GA/BAKER COUNTY/SMALL 54 92 LOANS ORIGINATED 5 451 10 1340 10 111 2 273 4 30 APPROVED, NOT ACCEPTED 3 502 1 8 APP DENIED 2 162 4 121 9 1015 6 66 8 297 APP WITHDRAWN 4 694 1 1 1 1 FILES CLOSED FOR INCOMPLETENESS 2 188 GA/LEE COUNTY/SMALL 18 134 LOANS ORIGINATED 214 33241 153 23886 616 99151 32 1754 121 22319 31 1887 APPROVED, NOT ACCEPTED 12 1807 6 583 37 6645 4 386 1 123 4 165 APP DENIED 22 3428 18 2223 173 27945 24 1303 6 558 5 272 APP WITHDRAWN 23 3009 15 2970 145 24107 9 604 3 204 4 318 FILES CLOSED FOR INCOMPLETENESS 5 558 9 1545 40 6555 1 110 1 76 GA/TERRELL COUNTY/SMALL 63 80 LOANS ORIGINATED 12 1199 44 3205 277 15018 50 1046 2 149 105 3510 67 2068 APPROVED, NOT ACCEPTED 1 51 3 301 5 573 1 99 1 50 2 81 APP DENIED 4 274 8 325 35 4695 11 166 3 110 6 269 APP WITHDRAWN 4 490 1 106 20 2393 1 60 1 108 FILES CLOSED FOR INCOMPLETENESS 1 38 3 157 3 403 1 25 1 38 GA/WORTH COUNTY/SMALL 32 98 LOANS ORIGINATED 43 4197 33 3653 213 22967 27 898 1 87 63 6467 60 3695 APPROVED, NOT ACCEPTED 4 340 2 304 17 2038 5 336 2 317 5 313 APP DENIED 10 933 33 2288 75 8298 28 441 7 474 44 2532 APP WITHDRAWN 7 572 5 400 60 8343 4 228 1 62 7 543 FILES CLOSED FOR INCOMPLETENESS 2 275 2 227 12 2064 1 103 MSA/MD(TOTAL) 0 0 LOANS ORIGINATED 518 69731 463 59548 2107 289199 196 6794 37 15734 693 95991 177 8369 APPROVED, NOT ACCEPTED 26 3175 17 1925 116 16298 21 1419 12 1182 14 740 APP DENIED 105 12209 125 10028 685 88385 151 4038 48 3079 94 5021 APP WITHDRAWN 77 8748 39 6768 446 68095 24 1277 14 1191 17 1284 FILES CLOSED FOR INCOMPLETENESS 15 1678 23 3002 127 18712 5 523 6 420 2 141

Report Date: 05/24/2010 AGGREGATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009 Page 7 of 7

ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD: 10500 - ALBANY, GA

INVALID GEOGRAPHIC IDENTIFIERS 2/ 0 0 LOANS ORIGINATED APPROVED, NOT ACCEPTED APP DENIED APP WITHDRAWN FILES CLOSED FOR INCOMPLETENESS

Report Date: 05/24/2010 AGGREGATE TABLE 2: LOANS PURCHASED, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009 Page 1 of 2

ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD: 10500 - ALBANY, GA

Loans on 1-to-4 Family and Manufactured Home Dwellings

Home Purchase Loans Loans on Dwellings Nonoccupant Loans Loans on Manufactured Refinancings Home Improvement For 5 or More From Columns A, B, C Home Dwellings From CENSUS TRACT OR COUNTY NAME 1/ FHA, FSA/RHS & VA Conventional Loans Families & D Columns A,B,C & D (STATE/COUNTY/TRACT NUMBER) A B C D E F G Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's

GA/DOUGHERTY COUNTY/0001.00 5 189 1 53 5 285 2 78

GA/DOUGHERTY COUNTY/0002.00 2 85

GA/DOUGHERTY COUNTY/0003.00 1 71 5 633

GA/DOUGHERTY COUNTY/0004.00 8 814 2 165 10 1033

GA/DOUGHERTY COUNTY/0005.00 19 2469 9 1296 61 9460 1 110 1 82

GA/DOUGHERTY COUNTY/0006.00 14 1342 1 28 14 1460 1 82

GA/DOUGHERTY COUNTY/0007.00 1 67 7 791

GA/DOUGHERTY COUNTY/0008.00 3 116 1 102 1 1

GA/DOUGHERTY COUNTY/0009.00 5 463 8 722

GA/DOUGHERTY COUNTY/0010.00 5 386 2 93

GA/DOUGHERTY COUNTY/0011.00 7 297 1 23 26 2388 1 68 3 93

GA/DOUGHERTY COUNTY/0013.00 1 162

GA/DOUGHERTY COUNTY/0014.02 1 76

GA/DOUGHERTY COUNTY/0015.00 1 78 2 445

GA/DOUGHERTY COUNTY/0101.00 5 314 2 108 12 1994

GA/DOUGHERTY COUNTY/0102.00 5 802

GA/DOUGHERTY COUNTY/0103.02 7 466 1 36 6 415

GA/DOUGHERTY COUNTY/0104.01 21 3685 9 1288 52 8379 1 53 4 749

GA/DOUGHERTY COUNTY/0104.02 6 435 6 569 16 2090 2 139

GA/DOUGHERTY COUNTY/0104.03 1 365 1 368 14 2886 1 220

GA/DOUGHERTY COUNTY/0105.00 1 99 1 59 15 1760

GA/DOUGHERTY COUNTY/0106.01 2 409 2 127

GA/DOUGHERTY COUNTY/0106.02 16 1759 1 15

GA/DOUGHERTY COUNTY/0107.00 7 310 1 62 5 363 2 34

GA/DOUGHERTY COUNTY/0109.00 5 555 1 135 5 534

GA/DOUGHERTY COUNTY/0110.00 12 808 1 25 18 1634 1 24 1 1

GA/DOUGHERTY COUNTY/0111.00 8 1234

Report Date: 05/24/2010 AGGREGATE TABLE 2: LOANS PURCHASED, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009 Page 2 of 2

ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD: 10500 - ALBANY, GA

Loans on 1-to-4 Family and Manufactured Home Dwellings

GA/BAKER COUNTY/SMALL 8 1171

GA/LEE COUNTY/SMALL 103 15686 41 5678 204 31737 5 236 3 291 3 276

GA/TERRELL COUNTY/SMALL 6 510 1 51 15 1752 1 9 2 97

GA/WORTH COUNTY/SMALL 22 2341 1 232 43 5626 2 144 4 714 8 665

MSA/MD (TOTAL) 267 32275 81 10338 588 81836 13 769 24 2292 14 1120

INVALID GEOGRAPHIC IDENTIFIERS 2/

Report Date: 05/24/2010 AGGREGATE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OF Page 1 of 1 PURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2009

MSA/MD: 10500 - ALBANY, GA COMMERCIAL INSURANCE CO, PRIVATE BANK, SAVINGS CREDIT UNION, BORROWER OR CENSUS TRACT SECURITI- BANK, OR SAVING MORTGAGE BK, OR AFFILIATE OF OTHER ASSOC FINANCE CO CHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC ZATION INSTITUTION PURCHASER Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's

BORROWER CHARACTERISTICS

RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 2 332 1 97 1 110 1 489 ASIAN 8 1292 3 586 4 791 3 466 4 707 BLACK OR AFRICAN AMERICAN 98 12987 175 23012 38 5282 8 955 45 6210 17 2355 22 3016 58 8606 NAT HAWAIIAN/OTHER PACIFIC 1 351 1 176 ISLND WHITE 366 57248 298 41303 313 48818 16 1868 112 18039 74 9899 87 13129 160 27041 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 7 1372 4 601 1 64 2 263 2 307 2 280 3 558 RACE NOT AVAILABLE 6/ 73 12021 122 18035 49 8229 16 2671 20 3256 57 8396 28 4024 ETHNICITY 7/ HISPANIC OR LATINO 7 1390 5 794 3 622 1 165 3 340 1 110 2 332 NOT HISPANIC OR LATINO 472 71700 475 64720 352 54230 25 2912 157 24220 92 12539 111 16735 222 36282 JOINT (HISPANIC OR LATINO/ NOT 1 158 1 131 2 170 2 277 1 183 2 465 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 75 12355 121 17892 49 8259 1 174 18 3031 17 2741 56 8282 28 4033 MINORITY STATUS 8/ WHITE NON-HISPANIC 357 55676 292 40272 307 47877 16 1868 109 17597 71 9559 85 12836 157 26573 OTHERS, INCLUDING HISPANIC 124 17882 187 24977 49 7026 10 1218 53 7425 21 2805 27 4078 69 10515 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 20 1729 26 2554 18 1584 2 140 5 576 8 616 5 481 13 1050 50-79% OF MSA/MD MEDIAN 67 6750 102 10387 37 3092 5 382 25 2688 15 1491 11 1296 28 3007 80-99% OF MSA/MD MEDIAN 64 7512 84 9978 42 4895 1 89 23 2720 15 1895 16 1900 24 2957 100-119% OF MSA/MD MEDIAN 63 8212 69 9440 42 5052 4 646 18 2513 13 1802 7 915 33 4919 120% OR MORE OF MSA/MD MEDIAN 292 54221 168 28132 226 41307 14 1829 79 15163 41 6903 49 9272 128 24461 INCOME NOT AVAILABLE 6/ 49 7179 153 23046 41 7351 28 4033 20 2913 81 11446 28 4718 CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 6 1177 3 677 6 1214 1 260 1 208 1 210 10-19% MINORITY 211 34900 235 37883 175 28299 5 663 81 13657 42 6402 79 12889 98 17036 20-49% MINORITY 244 37320 252 32427 185 28789 12 1337 74 11226 46 5847 64 9354 116 19050 50-79% MINORITY 74 10147 71 8104 31 4374 4 504 13 1730 18 2609 16 2073 24 3403 80-100% MINORITY 20 2059 41 4446 9 605 4 322 10 1080 5 554 10 994 15 1413 INCOME 12/ 13/ LOW INCOME 3 485 6 648 2 168 2 358 MODERATE INCOME 30 2586 53 5508 12 786 2 154 13 1342 11 1125 12 1226 17 1607 MIDDLE INCOME 140 17430 165 17998 90 11682 7 703 43 5787 27 3156 33 3846 55 7227 UPPER INCOME 382 65102 378 59383 304 50813 15 2061 122 20564 74 11339 124 20238 180 31920

TOTAL 14/ 555 85603 602 83537 406 63281 26 3086 178 27693 112 15620 169 25310 254 41112

Report Date: 05/24/2010 AGGREGATE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2009 (EXCLUDES LOANS WITH Page 1 of 2 APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS ROW REFLECTS ACTIVITY FOR THE FULL YEAR)

MSA/MD: 10500 - ALBANY, GA

COMMERCIAL INSURANCE CO, PRIVATE BANK, SAVINGS CREDIT UNION, PRICING INFORMATION SECURITI- BANK, OR SAVING MORTGAGE BK, OR AFFILIATE OF OTHER ASSOC FINANCE CO FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC ZATION INSTITUTION PURCHASER FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR LIEN # LIEN # LIEN # LIEN # LIEN # LIEN # LIEN # LIEN # LIEN # LIEN # LIEN # LIEN # LIEN # LIEN # LIEN # LIEN # LIEN # LIEN #

NO REPORTED 265 347 318 17 141 92 42 192 PRICING DATA 15/

REPORTED 8 19 3 2 2 5 6 14 PRICING DATA

PERCENTAGE POINTS ABOVE TREASURY: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/

3 - 3.99 6 NA 18 NA 3 NA NA 2 NA 2 NA 4 NA 5 NA 12 NA

4 - 4.99 1 NA NA NA NA NA NA 1 NA 1 NA 2 NA

5 - 5.99

6 - 6.99 1 1

7 - 7.99

8 - 8.99

9 - 9.99

10 OR MORE

MEAN 3.78 3.50 3.38 3.15 3.25 3.52 3.48 3.37

MEDIAN 3.27 3.36 3.17 3.15 3.25 3.45 3.41 3.25

HOEPA LOANS 17/

Report Date: 05/24/2010 AGGREGATE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2009 (EXCLUDES LOANS WITH Page 2 of 2 APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS ROW REFLECTS ACTIVITY FOR THE FULL YEAR)

MSA/MD: 10500 - ALBANY, GA

COMMERCIAL INSURANCE CO, PRIVATE BANK, SAVINGS CREDIT UNION, PRICING INFORMATION SECURITI- BANK, OR SAVING MORTGAGE BK, OR AFFILIATE OF OTHER ASSOC FINANCE CO FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC ZATION INSTITUTION PURCHASER FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S

NO REPORTED 41941 47325 48822 2125 22345 12707 7228 32427 PRICING DATA 15/

REPORTED 663 2029 247 231 344 663 667 1562 PRICING DATA

PERCENTAGE POINTS ABOVE TREASURY: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/

3 - 3.99 586 NA 2003 NA 247 NA NA 231 NA 344 NA 494 NA 618 NA 1336 NA

4 - 4.99 36 NA NA NA NA NA NA 169 NA 49 NA 226 NA

5 - 5.99

6 - 6.99 41 26

7 - 7.99

8 - 8.99

9 - 9.99

10 OR MORE

MEAN 30/ 3.50 3.32 3.38 3.16 3.25 3.55 3.41 3.34

MEDIAN 31/ 3.17 3.22 3.17 3.29 3.25 3.45 3.31 3.19

HOEPA LOANS 17/

Report Date: 05/24/2010 AGGREGATE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME Page 1 of 2 DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

MSA/MD: 10500 - ALBANY, GA Applications Loans Apps. Approved But Applications Applications Files Closed For Race and Gender 5/ 18/ 19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

ASIAN (TOTAL) 9 1316 5 923 3 304 1 89 MALE 7 929 3 536 3 304 1 89 FEMALE JOINT (MALE/FEMALE) 2 387 2 387

BLACK OR AFRICAN AMERICAN (TOTAL) 267 32777 165 21333 10 1177 58 6718 28 3012 6 537 MALE 89 11043 52 6960 5 551 18 1914 14 1618 FEMALE 137 15635 90 10612 4 499 26 2909 13 1286 4 329 JOINT (MALE/FEMALE) 41 6099 23 3761 1 127 14 1895 1 108 2 208

NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) 2 223 1 173 1 50 MALE 1 50 1 50 FEMALE 1 173 1 173 JOINT (MALE/FEMALE)

WHITE (TOTAL) 425 56381 326 44132 15 1917 37 4456 39 4811 8 1065 MALE 205 25779 150 19020 10 1385 24 2925 17 2020 4 429 FEMALE 87 10720 67 8716 2 176 6 594 10 980 2 254 JOINT (MALE/FEMALE) 133 19882 109 16396 3 356 7 937 12 1811 2 382

2 OR MORE MINORITY RACES (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

JOINT (WHITE/MINORITY RACE) (TOTAL) 4 532 3 449 1 83 MALE FEMALE JOINT (MALE/FEMALE) 4 532 3 449 1 83

RACE NOT AVAILABLE (TOTAL) 6/ 34 4312 18 2721 1 81 6 648 8 786 1 76 MALE 11 1317 4 556 3 425 3 260 1 76 FEMALE 6 713 3 490 3 223 JOINT (MALE/FEMALE) 5 703 4 611 1 92

Report Date: 05/24/2010 AGGREGATE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME Page 2 of 2 DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

MSA/MD: 10500 - ALBANY, GA Applications Loans Apps. Approved But Applications Applications Files Closed For Ethnicity, Gender and Income 7/ 18/ 19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's

HISPANIC OR LATINO (TOTAL) 6 898 6 898 MALE 4 472 4 472 FEMALE 1 206 1 206 JOINT (MALE/FEMALE) 1 220 1 220

NOT HISPANIC OR LATINO (TOTAL) 695 89931 491 65786 25 3094 97 11562 68 7887 14 1602 MALE 297 37272 201 25970 15 1936 45 5235 32 3702 4 429 FEMALE 221 26156 156 19220 6 675 30 3412 23 2266 6 583 JOINT (MALE/FEMALE) 177 26503 134 20596 4 483 22 2915 13 1919 4 590

JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) 2 267 2 267 (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) 2 267 2 267

ETHNICITY NOT AVAILABLE (TOTAL) 6/ 38 4445 19 2780 1 81 8 647 9 861 1 76 MALE 12 1374 4 630 3 333 4 335 1 76 FEMALE 9 879 4 565 5 314 JOINT (MALE/FEMALE) 5 613 4 521 1 92 MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) 417 55216 318 42967 15 1917 37 4456 39 4811 8 1065 MALE 201 25307 146 18548 10 1385 24 2925 17 2020 4 429 FEMALE 86 10514 66 8510 2 176 6 594 10 980 2 254 JOINT (MALE/FEMALE) 130 19395 106 15909 3 356 7 937 12 1811 2 382 OTHERS, INCLUDING HISPANIC (TOTAL) 290 36013 182 24043 10 1177 62 7105 30 3151 6 537 MALE 101 12494 59 7968 5 551 21 2218 16 1757 FEMALE 139 16014 92 10991 4 499 26 2909 13 1286 4 329 JOINT (MALE/FEMALE) 50 7505 31 5084 1 127 15 1978 1 108 2 208 INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN 61 4353 30 2257 3 213 20 1366 6 396 2 121 50-79% OF MSA/MD MEDIAN 199 20308 131 13253 7 652 32 3479 24 2397 5 527 80-99% OF MSA/MD MEDIAN 143 17003 94 10945 7 892 17 2437 22 2418 3 311 100-119% OF MSA/MD MEDIAN 102 13646 78 10740 1 169 11 1257 11 1347 1 133 120% OR MORE OF MSA/MD MEDIAN 225 38861 183 32210 8 1249 19 2972 14 2190 1 240 INCOME NOT AVAILABLE 6/ 11 1370 2 326 6 698 3 346

TOTAL 14/ 741 95541 518 69731 26 3175 105 12209 77 8748 15 1678

Report Date: 05/24/2010 AGGREGATE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME Page 1 of 2 DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 2 638 1 489 1 149 MALE 1 149 1 149 FEMALE JOINT (MALE/FEMALE) 1 489 1 489

ASIAN (TOTAL) 14 2758 10 1633 2 532 2 593 MALE 5 989 4 656 1 333 FEMALE 2 512 1 252 1 260 JOINT (MALE/FEMALE) 7 1257 5 725 2 532

BLACK OR AFRICAN AMERICAN (TOTAL) 151 14561 67 7083 4 430 66 4461 9 1747 5 840 MALE 49 4161 27 2331 1 291 18 1183 2 118 1 238 FEMALE 62 6028 24 2675 1 43 31 1917 4 1094 2 299 JOINT (MALE/FEMALE) 39 4172 16 2077 2 96 17 1361 2 335 2 303

NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) 1 17 1 17 MALE FEMALE 1 17 1 17 JOINT (MALE/FEMALE)

WHITE (TOTAL) 419 54031 322 43030 12 1340 46 4050 22 3592 17 2019 MALE 192 24235 155 20135 5 461 17 1341 10 1691 5 607 FEMALE 96 10562 76 8649 2 258 11 832 3 420 4 403 JOINT (MALE/FEMALE) 131 19234 91 14246 5 621 18 1877 9 1481 8 1009

2 OR MORE MINORITY RACES (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

JOINT (WHITE/MINORITY RACE) (TOTAL) 4 533 2 422 1 53 1 58 MALE FEMALE JOINT (MALE/FEMALE) 4 533 2 422 1 53 1 58

RACE NOT AVAILABLE (TOTAL) 6/ 76 8733 60 6874 1 155 9 783 5 778 1 143 MALE 7 771 1 155 5 528 1 88 FEMALE 1 87 1 87 JOINT (MALE/FEMALE) 4 664 1 309 2 117 1 238

Report Date: 05/24/2010 AGGREGATE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME Page 2 of 2 DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

HISPANIC OR LATINO (TOTAL) 3 101 2 76 1 25 MALE 2 39 1 14 1 25 FEMALE 1 62 1 62 JOINT (MALE/FEMALE)

NOT HISPANIC OR LATINO (TOTAL) 585 72276 397 52206 17 1925 115 9296 34 5990 22 2859 MALE 244 29413 183 22830 7 907 35 2689 13 2142 6 845 FEMALE 161 17144 101 11531 3 301 43 2836 8 1774 6 702 JOINT (MALE/FEMALE) 179 25519 113 17845 7 717 37 3771 12 1874 10 1312

JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) 1 90 1 90 (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) 1 90 1 90

ETHNICITY NOT AVAILABLE (TOTAL) 6/ 78 8804 63 7176 9 707 5 778 1 143 MALE 8 853 2 278 5 487 1 88 FEMALE JOINT (MALE/FEMALE) 6 740 2 333 3 169 1 238 MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) 414 53567 318 42638 12 1340 45 3978 22 3592 17 2019 MALE 190 23957 153 19857 5 461 17 1341 10 1691 5 607 FEMALE 96 10562 76 8649 2 258 11 832 3 420 4 403 JOINT (MALE/FEMALE) 128 19048 89 14132 5 621 17 1805 9 1481 8 1009 OTHERS, INCLUDING HISPANIC (TOTAL) 173 18597 82 9734 4 430 70 5195 12 2398 5 840 MALE 55 5299 31 2987 1 291 19 1332 3 451 1 238 FEMALE 65 6557 26 2944 1 43 31 1917 5 1354 2 299 JOINT (MALE/FEMALE) 52 6541 25 3803 2 96 20 1946 3 393 2 303 INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN 68 3560 32 1636 2 82 32 1556 2 286 50-79% OF MSA/MD MEDIAN 91 6734 41 3498 3 138 44 2922 1 58 2 118 80-99% OF MSA/MD MEDIAN 59 5709 41 4367 15 1096 2 166 1 80 100-119% OF MSA/MD MEDIAN 74 7866 52 5350 4 471 11 1171 2 306 5 568 120% OR MORE OF MSA/MD MEDIAN 317 50707 243 38665 8 1234 22 3250 32 5941 12 1617 INCOME NOT AVAILABLE 6/ 58 6695 54 6032 1 33 2 297 1 333

TOTAL 14/ 667 81271 463 59548 17 1925 125 10028 39 6768 23 3002

Report Date: 05/24/2010 AGGREGATE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, Page 1 of 2 ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 6 833 3 430 2 198 1 205 MALE FEMALE 3 393 1 110 1 78 1 205 JOINT (MALE/FEMALE) 3 440 2 320 1 120

ASIAN (TOTAL) 20 3410 13 2208 2 408 3 420 2 374 MALE 11 1846 8 1353 2 295 1 198 FEMALE 2 261 1 136 1 125 JOINT (MALE/FEMALE) 7 1303 4 719 2 408 1 176

BLACK OR AFRICAN AMERICAN (TOTAL) 966 106862 463 42386 41 4649 302 37260 119 17465 41 5102 MALE 347 38291 165 13558 15 1651 121 16439 33 4796 13 1847 FEMALE 342 31554 169 14409 13 1310 101 8960 44 5481 15 1394 JOINT (MALE/FEMALE) 275 36762 127 14164 13 1688 80 11861 42 7188 13 1861

NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) 4 670 2 527 1 111 1 32 MALE 2 462 1 351 1 111 FEMALE 2 208 1 176 1 32 JOINT (MALE/FEMALE)

WHITE (TOTAL) 1959 277663 1313 181299 61 9867 279 38573 238 37329 68 10595 MALE 647 95978 448 66383 16 2764 92 12888 67 10548 24 3395 FEMALE 392 44566 255 26955 16 2259 65 7694 44 5401 12 2257 JOINT (MALE/FEMALE) 918 136680 610 87961 29 4844 121 17758 127 21380 31 4737

2 OR MORE MINORITY RACES (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

JOINT (WHITE/MINORITY RACE) (TOTAL) 20 3508 14 2494 5 898 1 116 MALE FEMALE 2 230 1 155 1 75 JOINT (MALE/FEMALE) 18 3278 13 2339 4 823 1 116

RACE NOT AVAILABLE (TOTAL) 6/ 506 87743 299 59855 14 1782 96 11135 83 12567 14 2404 MALE 61 8698 20 2565 2 214 15 1963 21 3455 3 501 FEMALE 56 7790 18 2210 1 133 14 1706 21 3380 2 361 JOINT (MALE/FEMALE) 65 8723 28 3685 3 628 17 1957 13 1711 4 742

Report Date: 05/24/2010 AGGREGATE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, Page 2 of 2 ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

HISPANIC OR LATINO (TOTAL) 31 4444 18 2979 4 393 7 710 1 106 1 256 MALE 16 2669 12 2172 1 104 2 287 1 106 FEMALE 11 1373 5 683 2 159 3 275 1 256 JOINT (MALE/FEMALE) 4 402 1 124 1 130 2 148

NOT HISPANIC OR LATINO (TOTAL) 2941 388679 1789 225739 96 13834 578 76414 364 56388 114 16304 MALE 997 135198 611 79497 29 4121 210 29134 106 16505 41 5941 FEMALE 735 76886 423 41259 27 3410 167 17178 88 11046 30 3993 JOINT (MALE/FEMALE) 1203 175753 753 104728 40 6303 199 29856 169 28702 42 6164

JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) 13 2099 7 1169 5 734 1 196 (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) 13 2099 7 1169 5 734 1 196

ETHNICITY NOT AVAILABLE (TOTAL) 6/ 496 85467 293 59312 16 2071 95 10527 80 11405 12 2152 MALE 55 7408 19 2541 3 404 17 1980 16 2483 FEMALE 53 6743 18 2209 1 133 11 982 23 3419 JOINT (MALE/FEMALE) 66 8932 23 3167 4 727 18 2069 14 1617 7 1352 MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) 1904 270170 1284 177098 58 9449 262 36731 235 36907 65 9985 MALE 625 92681 432 63929 15 2574 87 12235 67 10548 24 3395 FEMALE 382 43414 250 26272 15 2161 61 7323 44 5401 12 2257 JOINT (MALE/FEMALE) 895 133636 602 86897 28 4714 113 16940 124 20958 28 4127 OTHERS, INCLUDING HISPANIC (TOTAL) 1054 120861 518 51717 43 4877 320 39797 127 18501 46 5969 MALE 373 42906 185 17287 15 1651 123 16726 36 5197 14 2045 FEMALE 361 33958 178 15669 14 1408 105 9310 46 5684 18 1887 JOINT (MALE/FEMALE) 318 43742 153 18506 14 1818 92 13761 45 7620 14 2037 INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN 247 15319 127 6763 10 909 73 5034 31 2208 6 405 50-79% OF MSA/MD MEDIAN 435 36283 233 16502 12 1299 134 12096 48 5618 8 768 80-99% OF MSA/MD MEDIAN 331 35544 180 19235 14 1679 81 8888 44 4664 12 1078 100-119% OF MSA/MD MEDIAN 338 38380 191 20143 13 1666 77 9569 43 5458 14 1544 120% OR MORE OF MSA/MD MEDIAN 1620 263738 998 153389 51 8449 263 45365 234 43693 74 12842 INCOME NOT AVAILABLE 6/ 510 91425 378 73167 16 2296 57 7433 46 6454 13 2075

TOTAL 14/ 3481 480689 2107 289199 116 16298 685 88385 446 68095 127 18712

Report Date: 05/24/2010 AGGREGATE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, Page 1 of 2 ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 1 8 1 8 MALE 1 8 1 8 FEMALE JOINT (MALE/FEMALE)

ASIAN (TOTAL) 2 70 1 35 1 35 MALE FEMALE 1 35 1 35 JOINT (MALE/FEMALE) 1 35 1 35

BLACK OR AFRICAN AMERICAN (TOTAL) 173 5477 76 1912 9 577 74 2213 13 694 1 81 MALE 59 1462 25 781 5 229 25 323 4 129 FEMALE 78 2564 31 578 2 147 38 1283 6 475 1 81 JOINT (MALE/FEMALE) 36 1451 20 553 2 201 11 607 3 90

NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

WHITE (TOTAL) 178 7554 104 4327 8 747 56 1627 7 421 3 432 MALE 66 2688 36 1585 3 281 22 279 3 205 2 338 FEMALE 52 1900 35 1493 3 142 13 257 1 8 JOINT (MALE/FEMALE) 60 2966 33 1249 2 324 21 1091 3 208 1 94

2 OR MORE MINORITY RACES (TOTAL) 1 10 1 10 MALE FEMALE 1 10 1 10 JOINT (MALE/FEMALE)

JOINT (WHITE/MINORITY RACE) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

RACE NOT AVAILABLE (TOTAL) 6/ 42 932 15 520 4 95 20 190 3 127 MALE 4 47 1 26 1 4 2 17 FEMALE 2 52 2 52 JOINT (MALE/FEMALE) 1 14 1 14

Report Date: 05/24/2010 AGGREGATE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, Page 2 of 2 ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

HISPANIC OR LATINO (TOTAL) 8 136 3 70 1 35 3 21 1 10 MALE 7 133 3 70 1 35 2 18 1 10 FEMALE 1 3 1 3 JOINT (MALE/FEMALE)

NOT HISPANIC OR LATINO (TOTAL) 339 12693 174 6093 15 1277 126 3775 19 1025 5 523 MALE 121 4061 59 2322 7 475 46 592 7 334 2 338 FEMALE 128 4445 65 2047 4 277 50 1537 7 493 2 91 JOINT (MALE/FEMALE) 90 4187 50 1724 4 525 30 1646 5 198 1 94

JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) 5 169 3 108 2 61 (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) 5 169 3 108 2 61

ETHNICITY NOT AVAILABLE (TOTAL) 6/ 45 1053 16 523 5 107 20 181 4 242 MALE 2 11 1 4 1 7 FEMALE 5 113 3 76 1 12 1 25 JOINT (MALE/FEMALE) 3 110 1 5 1 5 1 100 MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) 165 7146 97 4105 7 735 52 1553 6 321 3 432 MALE 63 2634 34 1541 3 281 21 269 3 205 2 338 FEMALE 49 1820 34 1428 2 130 12 254 1 8 JOINT (MALE/FEMALE) 53 2692 29 1136 2 324 19 1030 2 108 1 94 OTHERS, INCLUDING HISPANIC (TOTAL) 188 5827 83 2125 9 577 79 2295 15 739 2 91 MALE 65 1560 28 851 5 229 27 341 5 139 FEMALE 81 2612 31 578 2 147 39 1286 7 510 2 91 JOINT (MALE/FEMALE) 42 1655 24 696 2 201 13 668 3 90 INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN 78 1349 39 686 3 63 32 459 4 141 50-79% OF MSA/MD MEDIAN 86 2450 31 704 4 291 48 1302 2 72 1 81 80-99% OF MSA/MD MEDIAN 69 2135 34 1058 5 406 25 482 4 79 1 110 100-119% OF MSA/MD MEDIAN 26 1059 14 546 7 89 5 424 120% OR MORE OF MSA/MD MEDIAN 128 6554 70 3378 8 627 38 1656 9 561 3 332 INCOME NOT AVAILABLE 6/ 10 504 8 422 1 32 1 50

TOTAL 14/ 397 14051 196 6794 21 1419 151 4038 24 1277 5 523

Report Date: 05/24/2010 AGGREGATE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER AND INCOME Page 1 of 2 OF APPLICANT, 2009

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

ASIAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

BLACK OR AFRICAN AMERICAN (TOTAL) 4 1684 4 1684 MALE 2 248 2 248 FEMALE JOINT (MALE/FEMALE) 2 1436 2 1436

NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

WHITE (TOTAL) 5 350 5 350 MALE 4 79 4 79 FEMALE JOINT (MALE/FEMALE) 1 271 1 271

2 OR MORE MINORITY RACES (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

JOINT (WHITE/MINORITY RACE) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

RACE NOT AVAILABLE (TOTAL) 6/ 28 13700 28 13700 MALE FEMALE JOINT (MALE/FEMALE)

Report Date: 05/24/2010 AGGREGATE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER AND INCOME Page 2 of 2 OF APPLICANT, 2009

HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

NOT HISPANIC OR LATINO (TOTAL) 9 2034 9 2034 MALE 6 327 6 327 FEMALE JOINT (MALE/FEMALE) 3 1707 3 1707

JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

ETHNICITY NOT AVAILABLE (TOTAL) 6/ 28 13700 28 13700 MALE FEMALE JOINT (MALE/FEMALE) MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) 5 350 5 350 MALE 4 79 4 79 FEMALE JOINT (MALE/FEMALE) 1 271 1 271 OTHERS, INCLUDING HISPANIC (TOTAL) 4 1684 4 1684 MALE 2 248 2 248 FEMALE JOINT (MALE/FEMALE) 2 1436 2 1436 INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN 50-79% OF MSA/MD MEDIAN 80-99% OF MSA/MD MEDIAN 100-119% OF MSA/MD MEDIAN 120% OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ 37 15734 37 15734

TOTAL 14/ 37 15734 37 15734

Report Date: 05/24/2010 AGGREGATE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO Page 1 of 2 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

ASIAN (TOTAL) 3 347 3 347 MALE 3 347 3 347 FEMALE JOINT (MALE/FEMALE)

BLACK OR AFRICAN AMERICAN (TOTAL) 160 7073 130 5344 3 186 21 1227 3 189 3 127 MALE 85 3556 72 2674 11 812 1 45 1 25 FEMALE 39 1586 31 1254 7 260 1 72 JOINT (MALE/FEMALE) 35 1800 26 1285 3 186 3 155 2 144 1 30

NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) 1 17 1 17 MALE FEMALE 1 17 1 17 JOINT (MALE/FEMALE)

WHITE (TOTAL) 364 43461 325 39921 7 936 20 1421 10 966 2 217 MALE 220 29286 212 28819 1 123 4 139 3 205 FEMALE 64 6303 55 5474 1 320 5 159 2 160 1 190 JOINT (MALE/FEMALE) 80 7872 58 5628 5 493 11 1123 5 601 1 27

2 OR MORE MINORITY RACES (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

JOINT (WHITE/MINORITY RACE) (TOTAL) 2 455 2 455 MALE FEMALE JOINT (MALE/FEMALE) 2 455 2 455

RACE NOT AVAILABLE (TOTAL) 6/ 243 50510 232 49907 2 60 7 431 1 36 1 76 MALE 4 195 3 119 1 76 FEMALE 2 288 1 252 1 36 JOINT (MALE/FEMALE)

Report Date: 05/24/2010 AGGREGATE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO Page 2 of 2 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

HISPANIC OR LATINO (TOTAL) 7 246 4 73 3 173 MALE 5 98 4 73 1 25 FEMALE JOINT (MALE/FEMALE) 2 148 2 148

NOT HISPANIC OR LATINO (TOTAL) 523 51037 457 45941 10 1122 38 2475 13 1155 5 344 MALE 304 33045 284 31721 1 123 14 926 4 250 1 25 FEMALE 104 7906 87 6745 1 320 12 419 2 160 2 262 JOINT (MALE/FEMALE) 114 9955 85 7344 8 679 12 1130 7 745 2 57

JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

ETHNICITY NOT AVAILABLE (TOTAL) 6/ 243 50580 232 49977 2 60 7 431 1 36 1 76 MALE 3 241 2 165 1 76 FEMALE 2 288 1 252 1 36 JOINT (MALE/FEMALE) 1 24 1 24 MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) 357 43138 320 39746 7 936 18 1273 10 966 2 217 MALE 216 29135 208 28668 1 123 4 139 3 205 FEMALE 64 6303 55 5474 1 320 5 159 2 160 1 190 JOINT (MALE/FEMALE) 77 7700 57 5604 5 493 9 975 5 601 1 27 OTHERS, INCLUDING HISPANIC (TOTAL) 171 8099 139 6222 3 186 23 1375 3 189 3 127 MALE 91 3962 78 3080 11 812 1 45 1 25 FEMALE 40 1603 32 1271 7 260 1 72 JOINT (MALE/FEMALE) 39 2403 28 1740 3 186 5 303 2 144 1 30 INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN 37 1364 30 1239 7 125 50-79% OF MSA/MD MEDIAN 49 2303 39 1750 1 42 7 403 1 36 1 72 80-99% OF MSA/MD MEDIAN 42 5369 32 4777 2 137 7 379 1 76 100-119% OF MSA/MD MEDIAN 42 2707 36 2442 4 190 1 45 1 30 120% OR MORE OF MSA/MD MEDIAN 367 39966 326 36046 6 849 21 1909 12 1110 2 52 INCOME NOT AVAILABLE 6/ 236 50154 230 49737 3 154 2 73 1 190

TOTAL 14/ 773 101863 693 95991 12 1182 48 3079 14 1191 6 420

Report Date: 05/24/2010 AGGREGATE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME Page 1 of 2 DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

ASIAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

BLACK OR AFRICAN AMERICAN (TOTAL) 90 3555 47 1439 3 139 36 1697 4 280 MALE 20 804 12 387 7 416 1 1 FEMALE 45 1525 22 577 1 43 20 734 2 171 JOINT (MALE/FEMALE) 25 1226 13 475 2 96 9 547 1 108

NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

WHITE (TOTAL) 178 9529 107 5477 10 520 50 2763 9 628 2 141 MALE 75 3768 52 2604 5 223 16 817 2 124 FEMALE 43 2055 24 1124 3 174 13 535 2 184 1 38 JOINT (MALE/FEMALE) 60 3706 31 1749 2 123 21 1411 5 320 1 103

2 OR MORE MINORITY RACES (TOTAL) MALE FEMALE JOINT (MALE/FEMALE)

JOINT (WHITE/MINORITY RACE) (TOTAL) 2 128 2 128 MALE FEMALE 1 75 1 75 JOINT (MALE/FEMALE) 1 53 1 53

RACE NOT AVAILABLE (TOTAL) 6/ 34 2343 23 1453 1 81 6 433 4 376 MALE 4 349 1 12 1 136 2 201 FEMALE 1 95 1 95 JOINT (MALE/FEMALE) 5 380 2 209 2 79 1 92

Report Date: 05/24/2010 AGGREGATE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME Page 2 of 2 DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

HISPANIC OR LATINO (TOTAL) 4 316 4 316 MALE 4 316 4 316 FEMALE JOINT (MALE/FEMALE)

NOT HISPANIC OR LATINO (TOTAL) 267 12944 152 6729 13 659 87 4507 13 908 2 141 MALE 90 4093 60 2595 5 223 22 1150 3 125 FEMALE 89 3655 46 1701 4 217 34 1344 4 355 1 38 JOINT (MALE/FEMALE) 88 5196 46 2433 4 219 31 2013 6 428 1 103

JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) 1 5 1 5 (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) 1 5 1 5

ETHNICITY NOT AVAILABLE (TOTAL) 6/ 32 2290 21 1324 1 81 6 509 4 376 MALE 5 512 1 92 2 219 2 201 FEMALE 1 95 1 95 JOINT (MALE/FEMALE) 2 164 1 72 1 92 MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) 173 9205 104 5230 10 520 48 2686 9 628 2 141 MALE 72 3521 49 2357 5 223 16 817 2 124 FEMALE 43 2055 24 1124 3 174 13 535 2 184 1 38 JOINT (MALE/FEMALE) 58 3629 31 1749 2 123 19 1334 5 320 1 103 OTHERS, INCLUDING HISPANIC (TOTAL) 95 3843 49 1594 3 139 39 1830 4 280 MALE 22 959 14 542 7 416 1 1 FEMALE 46 1600 22 577 1 43 21 809 2 171 JOINT (MALE/FEMALE) 27 1284 13 475 2 96 11 605 1 108 INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN 64 2094 34 1078 3 104 25 860 2 52 50-79% OF MSA/MD MEDIAN 89 4479 39 1445 5 218 36 1961 8 817 1 38 80-99% OF MSA/MD MEDIAN 46 2484 28 1221 1 81 15 1017 2 165 100-119% OF MSA/MD MEDIAN 24 1354 15 786 2 133 6 380 1 55 120% OR MORE OF MSA/MD MEDIAN 61 3841 44 2795 3 204 9 544 4 195 1 103 INCOME NOT AVAILABLE 6/ 20 1303 17 1044 3 259

TOTAL 14/ 304 15555 177 8369 14 740 94 5021 17 1284 2 141

Report Date: 05/24/2010 Page 1 of 3 AGGREGATE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

MSA/MD: 10500 - ALBANY, GA Applications Loans Apps. Approved But Applications Applications Files Closed For Income, Race and Ethnicity Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's

LESS THAN 50% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 2 117 2 117 BLACK OR AFRICAN AMERICAN 32 2112 13 874 2 132 13 835 2 150 2 121 NAT HAWAIIAN/OTHER PACIFIC ISL 1 50 1 50 WHITE 25 2008 16 1317 1 81 5 414 3 196 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 66 1 66 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 60 4322 30 2257 3 213 19 1335 6 396 2 121 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 31 1 31 MINORITY STATUS 8/

WHITE NON-HISPANIC 25 2008 16 1317 1 81 5 414 3 196 OTHERS, INCLUDING HISPANIC 35 2279 13 874 2 132 15 952 3 200 2 121

50-79% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 81 8379 51 5171 1 92 16 1828 11 1076 2 212 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 109 11063 78 7874 6 560 13 1428 9 886 3 315 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 9 866 2 208 3 223 4 435 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 188 19299 129 13045 7 652 27 3113 20 1962 5 527 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 11 1009 2 208 5 366 4 435 MINORITY STATUS 8/

WHITE NON-HISPANIC 109 11063 78 7874 6 560 13 1428 9 886 3 315 OTHERS, INCLUDING HISPANIC 81 8379 51 5171 1 92 16 1828 11 1076 2 212

Report Date: 05/24/2010 Page 2 of 3 AGGREGATE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

MSA/MD: 10500 - ALBANY, GA Applications Loans Apps. Approved But Applications Applications Files Closed For Income, Race and Ethnicity Continued Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's

80-99% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 58 7249 38 4403 3 424 7 1220 10 1202 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 77 9038 56 6542 3 387 7 884 9 990 2 235 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1 83 1 83 RACE NOT AVAILABLE 6/ 7 633 1 81 2 250 3 226 1 76 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 133 16097 92 10747 6 811 15 2187 18 2117 2 235 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 10 906 2 198 1 81 2 250 4 301 1 76 MINORITY STATUS 8/

WHITE NON-HISPANIC 77 9038 56 6542 3 387 7 884 9 990 2 235 OTHERS, INCLUDING HISPANIC 59 7332 38 4403 3 424 8 1303 10 1202

100-119% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 3 586 3 586 BLACK OR AFRICAN AMERICAN 35 4740 24 3436 1 169 7 781 3 354 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 61 7877 48 6275 4 476 8 993 1 133 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 2 292 2 292 RACE NOT AVAILABLE 6/ 1 151 1 151 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 100 13355 76 10449 1 169 11 1257 11 1347 1 133 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 2 291 2 291 MINORITY STATUS 8/

WHITE NON-HISPANIC 61 7877 48 6275 4 476 8 993 1 133 OTHERS, INCLUDING HISPANIC 40 5618 29 4314 1 169 7 781 3 354

Report Date: 05/24/2010 Page 3 of 3 AGGREGATE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

120% OR MORE OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 4 613 2 337 1 187 1 89 BLACK OR AFRICAN AMERICAN 55 9630 38 7292 3 360 12 1748 2 230 NAT HAWAIIAN/OTHER PACIFIC ISL 1 173 1 173 WHITE 148 25692 127 21955 5 889 5 862 10 1746 1 240 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1 157 1 157 RACE NOT AVAILABLE 6/ 16 2596 14 2296 1 175 1 125 ETHNICITY 7/

HISPANIC OR LATINO 6 898 6 898 NOT HISPANIC OR LATINO 203 35488 162 28962 8 1249 19 2972 13 2065 1 240 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR 2 267 2 267 LATINO) ETHNICITY NOT AVAILABLE 6/ 14 2208 13 2083 1 125 MINORITY STATUS 8/

WHITE NON-HISPANIC 140 24527 119 20790 5 889 5 862 10 1746 1 240 OTHERS, INCLUDING HISPANIC 69 11738 50 9124 3 360 13 1935 3 319

TOTAL 14/ 739 95337 518 69731 26 3175 105 12209 77 8748 13 1474

Report Date: 05/24/2010 Page 1 of 3 AGGREGATE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

LESS THAN 50% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 100 1 100 BLACK OR AFRICAN AMERICAN 33 1358 11 382 1 43 21 933 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 31 1832 20 1154 1 39 9 496 1 143 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 3 270 2 127 1 143 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 65 3290 32 1636 2 82 30 1429 1 143 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 3 270 2 127 1 143 MINORITY STATUS 8/

WHITE NON-HISPANIC 31 1832 20 1154 1 39 9 496 1 143 OTHERS, INCLUDING HISPANIC 34 1458 12 482 1 43 21 933

50-79% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 2 205 2 205 BLACK OR AFRICAN AMERICAN 32 1963 8 562 1 51 23 1350 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 51 4101 31 2731 2 87 16 1165 2 118 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 2 111 1 53 1 58 RACE NOT AVAILABLE 6/ 4 354 4 354 ETHNICITY 7/

HISPANIC OR LATINO 1 62 1 62 NOT HISPANIC OR LATINO 86 6311 40 3436 3 138 40 2561 1 58 2 118 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 4 361 4 361 MINORITY STATUS 8/

WHITE NON-HISPANIC 50 4029 31 2731 2 87 15 1093 2 118 OTHERS, INCLUDING HISPANIC 36 2279 10 767 1 51 24 1403 1 58

Report Date: 05/24/2010 Page 2 of 3 AGGREGATE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

80-99% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 113 1 113 BLACK OR AFRICAN AMERICAN 12 952 4 468 7 408 1 76 NAT HAWAIIAN/OTHER PACIFIC ISL 1 17 1 17 WHITE 42 4331 34 3680 6 481 1 90 1 80 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1 89 1 89 RACE NOT AVAILABLE 6/ 2 207 2 207 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 57 5640 40 4343 14 1051 2 166 1 80 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 2 69 1 24 1 45 MINORITY STATUS 8/

WHITE NON-HISPANIC 41 4307 33 3656 6 481 1 90 1 80 OTHERS, INCLUDING HISPANIC 15 1171 7 687 7 408 1 76

100-119% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 2 445 1 185 1 260 BLACK OR AFRICAN AMERICAN 19 1778 9 612 1 45 8 883 1 238 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 49 5175 39 4240 2 271 3 288 1 46 4 330 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 4 468 3 313 1 155 ETHNICITY 7/

HISPANIC OR LATINO 1 25 1 25 NOT HISPANIC OR LATINO 70 7528 49 5037 4 471 10 1146 2 306 5 568 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 3 313 3 313 MINORITY STATUS 8/

WHITE NON-HISPANIC 49 5175 39 4240 2 271 3 288 1 46 4 330 OTHERS, INCLUDING HISPANIC 21 2223 10 797 1 45 8 883 1 260 1 238

Report Date: 05/24/2010 Page 3 of 3 AGGREGATE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

120% OR MORE OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 2 638 1 489 1 149 ASIAN 8 1895 5 1030 2 532 1 333 BLACK OR AFRICAN AMERICAN 54 8477 35 5059 1 291 6 854 8 1671 4 602 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 243 37800 197 30957 7 943 12 1620 19 3265 8 1015 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1 333 1 333 RACE NOT AVAILABLE 6/ 9 1564 4 797 1 95 4 672 ETHNICITY 7/

HISPANIC OR LATINO 1 14 1 14 NOT HISPANIC OR LATINO 303 48682 235 37486 8 1234 20 3076 28 5269 12 1617 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR 1 90 1 90 LATINO) ETHNICITY NOT AVAILABLE 6/ 12 1921 6 1075 2 174 4 672 MINORITY STATUS 8/

WHITE NON-HISPANIC 240 37432 194 30589 7 943 12 1620 19 3265 8 1015 OTHERS, INCLUDING HISPANIC 66 11433 43 7001 1 291 9 1535 9 2004 4 602

TOTAL 14/ 665 80832 463 59548 17 1925 125 10028 38 6662 22 2669

Report Date: 05/24/2010 Page 1 of 3 AGGREGATE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

LESS THAN 50% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 130 6200 68 2129 6 565 39 2400 15 1010 2 96 NAT HAWAIIAN/OTHER PACIFIC ISL 1 32 1 32 WHITE 89 7027 53 4116 4 344 21 1618 8 672 3 277 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 27 2060 6 518 13 1016 8 526 ETHNICITY 7/

HISPANIC OR LATINO 4 396 3 335 1 61 NOT HISPANIC OR LATINO 215 12758 118 5908 9 848 59 3924 23 1673 6 405 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 28 2165 6 520 14 1110 8 535 MINORITY STATUS 8/

WHITE NON-HISPANIC 85 6653 50 3836 4 344 20 1524 8 672 3 277 OTHERS, INCLUDING HISPANIC 133 6420 70 2317 6 565 39 2400 15 1010 3 128

50-79% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 1 78 1 78 ASIAN 3 494 1 140 1 229 1 125 BLACK OR AFRICAN AMERICAN 171 13403 75 4115 5 480 70 6094 18 2461 3 253 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 220 18145 146 11000 7 819 43 3715 19 2096 5 515 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 2 295 1 102 1 193 RACE NOT AVAILABLE 6/ 38 3868 10 1145 19 1865 9 858 ETHNICITY 7/

HISPANIC OR LATINO 1 98 1 98 NOT HISPANIC OR LATINO 404 33331 225 15734 10 1102 119 10716 42 5011 8 768 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 30 2854 8 768 1 99 15 1380 6 607 MINORITY STATUS 8/

WHITE NON-HISPANIC 218 17984 146 11000 6 721 42 3652 19 2096 5 515 OTHERS, INCLUDING HISPANIC 178 14368 77 4357 6 578 72 6516 20 2664 3 253

Report Date: 05/24/2010 Page 2 of 3 AGGREGATE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

80-99% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 106 10147 46 3395 3 249 39 4646 14 1658 4 199 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 194 21970 125 14812 10 1297 32 3190 21 2080 6 591 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 3 179 1 64 2 115 RACE NOT AVAILABLE 6/ 28 3248 8 964 1 133 8 937 9 926 2 288 ETHNICITY 7/

HISPANIC OR LATINO 9 866 2 207 1 130 5 423 1 106 NOT HISPANIC OR LATINO 294 31723 170 18149 12 1416 67 7440 35 3928 10 790 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR 1 104 1 104 LATINO) ETHNICITY NOT AVAILABLE 6/ 27 2851 8 879 1 133 8 921 8 630 2 288 MINORITY STATUS 8/

WHITE NON-HISPANIC 184 21068 122 14567 9 1167 26 2663 21 2080 6 591 OTHERS, INCLUDING HISPANIC 119 11296 49 3666 4 379 47 5288 15 1764 4 199

100-119% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 2 302 1 97 1 205 ASIAN 4 657 2 322 1 179 1 156 BLACK OR AFRICAN AMERICAN 104 11941 49 5038 4 467 35 4597 12 1577 4 262 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 195 21350 125 12824 6 840 31 3917 25 2872 8 897 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 2 373 2 373 RACE NOT AVAILABLE 6/ 31 3757 12 1489 3 359 10 876 5 853 1 180 ETHNICITY 7/

HISPANIC OR LATINO 3 356 2 180 1 176 NOT HISPANIC OR LATINO 306 34589 180 18863 10 1307 67 8603 37 4483 12 1333 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR 1 59 1 59 LATINO) ETHNICITY NOT AVAILABLE 6/ 28 3376 8 1041 3 359 9 790 6 975 2 211 MINORITY STATUS 8/

WHITE NON-HISPANIC 189 20782 122 12585 6 840 30 3741 24 2750 7 866 OTHERS, INCLUDING HISPANIC 116 13688 57 6069 4 467 37 4952 13 1733 5 467

Report Date: 05/24/2010 Page 3 of 3 AGGREGATE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

120% OR MORE OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 3 453 2 333 1 120 ASIAN 13 2259 10 1746 1 139 2 374 BLACK OR AFRICAN AMERICAN 334 48534 154 18011 15 1887 94 15898 48 9035 23 3703 NAT HAWAIIAN/OTHER PACIFIC ISL 2 462 1 351 1 111 WHITE 1114 186422 764 122866 28 5393 133 23625 147 27017 42 7521 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 9 2082 7 1492 2 590 RACE NOT AVAILABLE 6/ 145 23526 60 8590 8 1169 33 5141 37 7382 7 1244 ETHNICITY 7/

HISPANIC OR LATINO 10 2104 9 1993 1 111 NOT HISPANIC OR LATINO 1451 236546 924 141596 42 7090 222 39636 196 36861 67 11363 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR 8 1505 4 778 3 531 1 196 LATINO) ETHNICITY NOT AVAILABLE 6/ 151 23583 61 9022 9 1359 37 5087 37 6636 7 1479 MINORITY STATUS 8/

WHITE NON-HISPANIC 1086 181629 748 120025 27 5203 126 22742 145 26717 40 6942 OTHERS, INCLUDING HISPANIC 376 56746 186 24375 15 1887 99 16917 51 9490 25 4077

TOTAL 14/ 3415 471425 2072 283944 113 15621 666 86274 437 66874 127 18712

Report Date: 05/24/2010 Page 1 of 3 AGGREGATE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

LESS THAN 50% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 46 755 22 292 1 50 21 352 2 61 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 27 506 15 342 1 5 9 79 2 80 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 5 88 2 52 1 8 2 28 ETHNICITY 7/

HISPANIC OR LATINO 2 34 1 31 1 3 NOT HISPANIC OR LATINO 71 1273 36 649 2 55 29 428 4 141 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 5 42 2 6 1 8 2 28 MINORITY STATUS 8/

WHITE NON-HISPANIC 24 467 13 306 1 5 8 76 2 80 OTHERS, INCLUDING HISPANIC 48 789 23 323 1 50 22 355 2 61

50-79% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 1 8 1 8 ASIAN BLACK OR AFRICAN AMERICAN 42 1363 11 208 2 147 26 855 2 72 1 81 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 38 1042 19 486 2 144 17 412 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 5 37 1 10 4 27 ETHNICITY 7/

HISPANIC OR LATINO 1 8 1 8 NOT HISPANIC OR LATINO 78 2273 29 629 4 291 43 1225 1 47 1 81 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR 1 56 1 56 LATINO) ETHNICITY NOT AVAILABLE 6/ 6 113 2 75 3 13 1 25 MINORITY STATUS 8/

WHITE NON-HISPANIC 36 921 18 421 2 144 16 356 OTHERS, INCLUDING HISPANIC 44 1427 11 208 2 147 28 919 2 72 1 81

Report Date: 05/24/2010 Page 2 of 3 AGGREGATE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

80-99% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 35 1 35 BLACK OR AFRICAN AMERICAN 31 757 14 370 3 176 12 175 2 36 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 31 1313 20 688 1 225 8 282 1 8 1 110 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 6 30 1 5 5 25 ETHNICITY 7/

HISPANIC OR LATINO 1 35 1 35 NOT HISPANIC OR LATINO 59 1975 32 968 3 366 19 452 4 79 1 110 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR 3 95 2 90 1 5 LATINO) ETHNICITY NOT AVAILABLE 6/ 6 30 1 5 5 25 MINORITY STATUS 8/

WHITE NON-HISPANIC 28 1218 18 598 1 225 7 277 1 8 1 110 OTHERS, INCLUDING HISPANIC 35 887 16 460 3 176 13 180 3 71

100-119% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 11 471 5 213 3 14 3 244 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 9 531 6 316 1 35 2 180 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 6 57 3 17 3 40 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 20 1002 11 529 4 49 5 424 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 6 57 3 17 3 40 MINORITY STATUS 8/

WHITE NON-HISPANIC 9 531 6 316 1 35 2 180 OTHERS, INCLUDING HISPANIC 11 471 5 213 3 14 3 244

Report Date: 05/24/2010 Page 3 of 3 AGGREGATE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

120% OR MORE OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 35 1 35 BLACK OR AFRICAN AMERICAN 41 2075 23 823 3 204 11 767 4 281 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 70 4115 41 2448 4 373 21 819 2 153 2 322 2 OR MORE MINORITY RACES 1 10 1 10 JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 15 319 5 72 1 50 6 70 3 127 ETHNICITY 7/

HISPANIC OR LATINO 4 59 2 39 1 10 1 10 NOT HISPANIC OR LATINO 106 6067 62 3265 6 565 30 1571 5 334 3 332 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR 1 18 1 18 LATINO) ETHNICITY NOT AVAILABLE 6/ 17 410 5 56 2 62 7 75 3 217 MINORITY STATUS 8/

WHITE NON-HISPANIC 65 3962 39 2417 3 361 20 809 1 53 2 322 OTHERS, INCLUDING HISPANIC 48 2197 27 915 3 204 12 777 5 291 1 10

TOTAL 14/ 396 14001 196 6794 21 1419 150 3988 24 1277 5 523

Report Date: 05/24/2010 Page 1 of 3 AGGREGATE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

LESS THAN 50% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 19 349 15 307 4 42 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 17 990 15 932 2 58 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 25 1 25 ETHNICITY 7/

HISPANIC OR LATINO 1 31 1 31 NOT HISPANIC OR LATINO 34 1216 28 1116 6 100 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 2 117 1 92 1 25 MINORITY STATUS 8/

WHITE NON-HISPANIC 15 867 13 809 2 58 OTHERS, INCLUDING HISPANIC 20 380 16 338 4 42

50-79% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 26 901 20 601 1 42 4 186 1 72 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 22 1366 19 1149 3 217 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 36 1 36 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 48 2267 39 1750 1 42 7 403 1 72 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 36 1 36 MINORITY STATUS 8/

WHITE NON-HISPANIC 22 1366 19 1149 3 217 OTHERS, INCLUDING HISPANIC 26 901 20 601 1 42 4 186 1 72

Report Date: 05/24/2010 Page 2 of 3 AGGREGATE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

80-99% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 10 445 6 259 1 50 3 136 NAT HAWAIIAN/OTHER PACIFIC ISL 1 17 1 17 WHITE 30 4831 25 4501 1 87 4 243 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 76 1 76 ETHNICITY 7/

HISPANIC OR LATINO 2 148 2 148 NOT HISPANIC OR LATINO 38 5121 31 4753 2 137 5 231 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 2 100 1 24 1 76 MINORITY STATUS 8/

WHITE NON-HISPANIC 27 4659 24 4477 1 87 2 95 OTHERS, INCLUDING HISPANIC 13 610 7 276 1 50 5 284

100-119% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 133 1 133 BLACK OR AFRICAN AMERICAN 12 368 8 211 2 82 1 45 1 30 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 27 2109 26 2041 1 68 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 2 97 1 57 1 40 ETHNICITY 7/

HISPANIC OR LATINO 2 40 1 15 1 25 NOT HISPANIC OR LATINO 38 2570 34 2370 2 125 1 45 1 30 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 2 97 1 57 1 40 MINORITY STATUS 8/

WHITE NON-HISPANIC 26 2094 25 2026 1 68 OTHERS, INCLUDING HISPANIC 14 516 10 359 2 82 1 45 1 30

Report Date: 05/24/2010 Page 3 of 3 AGGREGATE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

120% OR MORE OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 2 214 2 214 BLACK OR AFRICAN AMERICAN 89 4783 78 3833 8 781 2 144 1 25 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 265 33920 238 31243 6 849 10 835 10 966 1 27 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 2 455 2 455 RACE NOT AVAILABLE 6/ 9 594 6 301 3 293 ETHNICITY 7/

HISPANIC OR LATINO 2 27 2 27 NOT HISPANIC OR LATINO 358 39391 320 35764 6 849 18 1616 12 1110 2 52 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 7 548 4 255 3 293 MINORITY STATUS 8/

WHITE NON-HISPANIC 264 33907 237 31230 6 849 10 835 10 966 1 27 OTHERS, INCLUDING HISPANIC 94 5465 83 4515 8 781 2 144 1 25

TOTAL 14/ 772 101785 692 95913 12 1182 48 3079 14 1191 6 420

Report Date: 05/24/2010 Page 1 of 3 AGGREGATE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

LESS THAN 50% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 37 1030 22 577 1 43 13 409 1 1 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 26 974 11 411 2 61 12 451 1 51 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 90 1 90 ETHNICITY 7/

HISPANIC OR LATINO 1 147 1 147 NOT HISPANIC OR LATINO 62 1855 32 839 3 104 25 860 2 52 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 92 1 92 MINORITY STATUS 8/

WHITE NON-HISPANIC 25 882 10 319 2 61 12 451 1 51 OTHERS, INCLUDING HISPANIC 37 1030 22 577 1 43 13 409 1 1

50-79% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 28 1310 10 322 1 51 14 658 3 279 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 54 2690 29 1123 4 167 17 1025 3 337 1 38 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1 53 1 53 RACE NOT AVAILABLE 6/ 6 426 4 225 2 201 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 83 3977 39 1445 5 218 32 1660 6 616 1 38 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 6 502 4 301 2 201 MINORITY STATUS 8/

WHITE NON-HISPANIC 53 2618 29 1123 4 167 16 953 3 337 1 38 OTHERS, INCLUDING HISPANIC 29 1363 10 322 1 51 15 711 3 279

Report Date: 05/24/2010 Page 2 of 3 AGGREGATE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

80-99% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 11 393 7 147 4 246 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 30 1647 20 1014 9 560 1 73 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1 75 1 75 RACE NOT AVAILABLE 6/ 4 369 1 60 1 81 1 136 1 92 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 41 2110 27 1161 13 876 1 73 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR 1 5 1 5 LATINO) ETHNICITY NOT AVAILABLE 6/ 4 369 1 60 1 81 1 136 1 92 MINORITY STATUS 8/

WHITE NON-HISPANIC 29 1642 20 1014 8 555 1 73 OTHERS, INCLUDING HISPANIC 13 473 7 147 6 326

100-119% OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 7 414 3 135 1 45 3 234 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 15 825 10 536 1 88 3 146 1 55 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 2 115 2 115 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 23 1251 14 683 2 133 6 380 1 55 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 103 1 103 MINORITY STATUS 8/

WHITE NON-HISPANIC 15 825 10 536 1 88 3 146 1 55 OTHERS, INCLUDING HISPANIC 7 414 3 135 1 45 3 234

Report Date: 05/24/2010 Page 3 of 3 AGGREGATE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009

120% OR MORE OF MSA/MD MEDIAN

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 5 227 4 153 1 74 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 51 3210 37 2393 3 204 7 398 3 112 1 103 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 5 404 3 249 1 72 1 83 ETHNICITY 7/

HISPANIC OR LATINO 3 169 3 169 NOT HISPANIC OR LATINO 54 3387 39 2496 3 204 8 472 3 112 1 103 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 4 285 2 130 1 72 1 83 MINORITY STATUS 8/

WHITE NON-HISPANIC 49 3055 35 2238 3 204 7 398 3 112 1 103 OTHERS, INCLUDING HISPANIC 7 382 6 308 1 74

TOTAL 14/ 300 15387 175 8329 14 740 92 4893 17 1284 2 141

Report Date: 05/24/2010 AGGREGATE TABLE 7-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY Page 1 of 1 CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009

MSA/MD: 10500 - ALBANY, GA Applications Loans Apps. Approved But Applications Applications Files Closed For Type of Census Tract 10/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's

RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 6 832 2 347 3 406 1 79 10-19% MINORITY 20-49% MINORITY 282 35218 191 24710 6 626 47 5408 33 3832 5 642 50-79% MINORITY 55 5811 40 4436 1 127 8 677 6 571 80-100% MINORITY 33 3144 16 1601 2 224 9 921 3 195 3 203 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 9 881 5 547 1 137 2 128 1 69 MODERATE INCOME 58 5540 33 3440 1 87 17 1532 5 346 2 135 MIDDLE INCOME 128 12051 94 8975 5 444 13 1129 13 1231 3 272 UPPER INCOME 181 26533 117 18132 2 309 35 4623 24 3031 3 438 INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 50-79% MINORITY 80-100% MINORITY 9 881 5 547 1 137 2 128 1 69 MODERATE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 22 1798 11 1019 9 656 2 123 50-79% MINORITY 13 1547 11 1367 1 83 1 97 80-100% MINORITY 23 2195 11 1054 1 87 7 793 2 126 2 135 MIDDLE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 103 9823 74 7147 5 444 10 891 11 1069 3 272 50-79% MINORITY 25 2228 20 1828 3 238 2 162 80-100% MINORITY UPPER INCOME LESS THAN 10% MINORITY 6 832 2 347 3 406 1 79 10-19% MINORITY 20-49% MINORITY 157 23597 106 16544 1 182 28 3861 20 2640 2 370 50-79% MINORITY 17 2036 9 1241 1 127 4 356 3 312 80-100% MINORITY 1 68 1 68 SMALL COUNTY 365 50536 269 38637 17 2198 38 4797 34 4071 7 833

ALL OTHER TRACTS 21/

TOTAL 14/ 741 95541 518 69731 26 3175 105 12209 77 8748 15 1678

Report Date: 05/24/2010 AGGREGATE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY Page 1 of 1 CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009

RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 3 442 2 232 1 210 10-19% MINORITY 20-49% MINORITY 218 30607 161 23309 4 623 35 3648 12 2261 6 766 50-79% MINORITY 36 3339 26 2115 5 409 2 559 3 256 80-100% MINORITY 68 4257 39 2697 2 114 22 1014 3 262 2 170 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 10 575 8 503 1 32 1 40 MODERATE INCOME 84 5321 49 3384 2 114 28 1360 2 222 3 241 MIDDLE INCOME 82 5969 50 3324 2 189 23 1762 1 65 6 629 UPPER INCOME 149 26780 121 21142 2 434 10 1917 14 2965 2 322 INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 50-79% MINORITY 80-100% MINORITY 10 575 8 503 1 32 1 40 MODERATE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 17 1140 12 824 5 316 50-79% MINORITY 9 499 6 366 2 62 1 71 80-100% MINORITY 58 3682 31 2194 2 114 21 982 2 222 2 170 MIDDLE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 66 4936 39 2823 2 189 20 1415 1 65 4 444 50-79% MINORITY 16 1033 11 501 3 347 2 185 80-100% MINORITY UPPER INCOME LESS THAN 10% MINORITY 3 442 2 232 1 210 10-19% MINORITY 20-49% MINORITY 135 24531 110 19662 2 434 10 1917 11 2196 2 322 50-79% MINORITY 11 1807 9 1248 2 559 80-100% MINORITY SMALL COUNTY 342 42626 235 31195 11 1188 63 4957 21 3476 12 1810

ALL OTHER TRACTS 21/

TOTAL 14/ 667 81271 463 59548 17 1925 125 10028 39 6768 23 3002

Report Date: 05/24/2010 AGGREGATE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS Page 1 of 1 TRACT IN WHICH PROPERTY IS LOCATED, 2009

RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 32 7622 17 4138 3 836 10 2288 2 360 10-19% MINORITY 20-49% MINORITY 989 153859 610 97542 31 4296 194 27032 109 18087 45 6902 50-79% MINORITY 293 32819 136 15185 10 1170 84 9035 52 6086 11 1343 80-100% MINORITY 411 51701 228 33858 13 1074 112 9529 46 6097 12 1143 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 81 14625 56 12714 2 51 16 1254 5 500 2 106 MODERATE INCOME 430 53493 231 34559 13 1136 122 9983 53 6614 11 1201 MIDDLE INCOME 415 43724 221 23808 12 1134 113 11053 56 6270 13 1459 UPPER INCOME 799 134159 483 79642 27 4219 142 24142 103 19174 44 6982 INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 50-79% MINORITY 80-100% MINORITY 81 14625 56 12714 2 51 16 1254 5 500 2 106 MODERATE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 54 13583 38 12196 1 98 13 1027 2 262 50-79% MINORITY 47 3093 21 1219 1 15 14 940 10 755 1 164 80-100% MINORITY 329 36817 172 21144 11 1023 95 8016 41 5597 10 1037 MIDDLE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 256 25900 153 16049 6 542 61 5514 27 2894 9 901 50-79% MINORITY 159 17824 68 7759 6 592 52 5539 29 3376 4 558 80-100% MINORITY UPPER INCOME LESS THAN 10% MINORITY 32 7622 17 4138 3 836 10 2288 2 360 10-19% MINORITY 20-49% MINORITY 679 114376 419 69297 24 3656 120 20491 80 14931 36 6001 50-79% MINORITY 87 11902 47 6207 3 563 18 2556 13 1955 6 621 80-100% MINORITY 1 259 1 259 SMALL COUNTY 1756 234688 1116 138476 62 9758 292 41953 229 35537 57 8964

ALL OTHER TRACTS 21/

TOTAL 14/ 3481 480689 2107 289199 116 16298 685 88385 446 68095 127 18712

Report Date: 05/24/2010 AGGREGATE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF Page 1 of 1 CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009

RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 1 112 1 112 10-19% MINORITY 20-49% MINORITY 75 2772 40 1547 3 250 31 826 1 149 50-79% MINORITY 37 817 15 388 2 40 16 336 3 43 1 10 80-100% MINORITY 66 2330 21 938 5 300 35 900 5 192 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 14 714 5 491 1 77 8 146 MODERATE INCOME 59 1867 18 518 5 228 30 926 6 195 MIDDLE INCOME 46 910 22 555 21 305 2 40 1 10 UPPER INCOME 60 2540 32 1421 4 285 23 685 1 149 INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 50-79% MINORITY 80-100% MINORITY 14 714 5 491 1 77 8 146 MODERATE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 2 154 1 56 1 98 50-79% MINORITY 5 97 1 15 1 5 2 74 1 3 80-100% MINORITY 52 1616 16 447 4 223 27 754 5 192 MIDDLE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 21 574 10 319 11 255 50-79% MINORITY 25 336 12 236 10 50 2 40 1 10 80-100% MINORITY UPPER INCOME LESS THAN 10% MINORITY 1 112 1 112 10-19% MINORITY 20-49% MINORITY 52 2044 29 1172 3 250 19 473 1 149 50-79% MINORITY 7 384 2 137 1 35 4 212 80-100% MINORITY SMALL COUNTY 218 8020 119 3809 11 829 69 1976 15 893 4 513

ALL OTHER TRACTS 21/

TOTAL 14/ 397 14051 196 6794 21 1419 151 4038 24 1277 5 523

Report Date: 05/24/2010 AGGREGATE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS Page 1 of 1 LOCATED, 2009

RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 1 271 1 271 10-19% MINORITY 20-49% MINORITY 1 97 1 97 50-79% MINORITY 2 3110 2 3110 80-100% MINORITY 30 12020 30 12020 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 7 3426 7 3426 MODERATE INCOME 23 8594 23 8594 MIDDLE INCOME 1 97 1 97 UPPER INCOME 3 3381 3 3381 INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 50-79% MINORITY 80-100% MINORITY 7 3426 7 3426 MODERATE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 50-79% MINORITY 80-100% MINORITY 23 8594 23 8594 MIDDLE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 1 97 1 97 50-79% MINORITY 80-100% MINORITY UPPER INCOME LESS THAN 10% MINORITY 1 271 1 271 10-19% MINORITY 20-49% MINORITY 50-79% MINORITY 2 3110 2 3110 80-100% MINORITY SMALL COUNTY 3 236 3 236

ALL OTHER TRACTS 21/

TOTAL 14/ 37 15734 37 15734

Report Date: 05/24/2010 AGGREGATE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND Page 1 of 1 MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009

RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 4 898 3 646 1 252 10-19% MINORITY 20-49% MINORITY 192 31407 173 29851 3 224 10 520 5 622 1 190 50-79% MINORITY 48 4101 40 3362 1 320 4 183 3 236 80-100% MINORITY 212 30889 186 29563 4 148 17 982 2 67 3 129 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 68 13188 61 13001 7 187 MODERATE INCOME 197 30532 178 29393 4 148 10 795 2 67 3 129 MIDDLE INCOME 91 9186 77 8168 1 94 10 596 3 328 UPPER INCOME 100 14389 86 12860 3 450 5 359 5 530 1 190 INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 50-79% MINORITY 80-100% MINORITY 68 13188 61 13001 7 187 MODERATE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 38 11943 38 11943 50-79% MINORITY 15 888 15 888 80-100% MINORITY 144 17701 125 16562 4 148 10 795 2 67 3 129 MIDDLE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 73 8035 65 7400 1 94 6 413 1 128 50-79% MINORITY 18 1151 12 768 4 183 2 200 80-100% MINORITY UPPER INCOME LESS THAN 10% MINORITY 4 898 3 646 1 252 10-19% MINORITY 20-49% MINORITY 81 11429 70 10508 2 130 4 107 4 494 1 190 50-79% MINORITY 15 2062 13 1706 1 320 1 36 80-100% MINORITY SMALL COUNTY 317 34568 291 32569 4 490 16 1142 4 266 2 101

ALL OTHER TRACTS 21/

TOTAL 14/ 773 101863 693 95991 12 1182 48 3079 14 1191 6 420

Report Date: 05/24/2010 AGGREGATE TABLE 7-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY Page 1 of 1 CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009

RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 18 1287 5 301 1 67 9 656 3 263 50-79% MINORITY 13 603 7 359 6 244 80-100% MINORITY 22 945 3 29 2 114 16 751 1 51 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 1 32 1 32 MODERATE INCOME 26 1172 5 128 2 114 18 879 1 51 MIDDLE INCOME 14 723 5 260 1 67 8 396 UPPER INCOME 12 908 5 301 4 344 3 263 INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 50-79% MINORITY 80-100% MINORITY 1 32 1 32 MODERATE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 2 77 2 77 50-79% MINORITY 3 182 2 99 1 83 80-100% MINORITY 21 913 3 29 2 114 15 719 1 51 MIDDLE INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 4 302 1 67 3 235 50-79% MINORITY 10 421 5 260 5 161 80-100% MINORITY UPPER INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 12 908 5 301 4 344 3 263 50-79% MINORITY 80-100% MINORITY SMALL COUNTY 251 12720 162 7680 11 559 63 3370 13 970 2 141

ALL OTHER TRACTS 21/

TOTAL 14/ 304 15555 177 8369 14 740 94 5021 17 1284 2 141

Report Date: 05/24/2010 AGGREGATE TABLE 8-1: REASONS FOR DENIAL OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY Page 1 of 1 RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

MSA/MD: 10500 - ALBANY, GA Mortgage Debt-to- Income Employment Insufficient Unverifiable Credit App. Applicant Characteristics Insurance Ratio History Credit History Collateral Cash Information Incomplete Denied Other Total /22 Number % Number % Number % Number % Number % Number % Number % Number % Number % Number %

RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 33 1 33 1 33 3 100 BLACK OR AFRICAN AMERICAN 23 32 1 1 21 29 2 3 8 11 2 3 4 6 11 15 72 100 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 11 24 2 4 21 47 1 2 3 7 1 2 2 4 4 9 45 100 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 3 50 2 33 1 17 6 100

ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 34 29 3 3 42 35 4 3 11 9 3 3 7 6 15 13 119 100 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 3 43 3 43 1 14 7 100

MINORITY STATUS 8/ WHITE NON-HISPANIC 11 24 2 4 21 47 1 2 3 7 1 2 2 4 4 9 45 100 OTHERS, INCL. HISPANIC 23 31 1 1 22 29 3 4 8 11 2 3 5 7 11 15 75 100

GENDER 19/ MALE 16 30 2 4 22 42 2 4 1 2 1 2 1 2 8 15 53 100 FEMALE 14 30 14 30 2 4 9 19 1 2 1 2 6 13 47 100 JOINT (MALE/FEMALE) 7 27 1 4 9 35 1 4 1 4 5 19 2 8 26 100 GENDER NOT AVAILABLE 6/

INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 8 29 12 43 2 7 4 14 1 4 1 4 28 100 50-79% OF MSA/MD MEDIAN 15 38 1 3 12 30 1 3 3 8 2 5 6 15 40 100 80-99% OF MSA/MD MEDIAN 5 26 7 37 1 5 3 16 3 16 19 100 100-119% OF MSA/MD MEDIAN 3 25 1 8 5 42 1 8 1 8 1 8 12 100 120% OR MORE OF MSA/MD MEDIAN 2 12 7 41 1 6 2 12 2 12 3 18 17 100 INCOME NOT AVAILABLE 6/ 4 40 1 10 2 20 1 10 2 20 10 100

Report Date: 05/24/2010 AGGREGATE TABLE 8-2: REASONS FOR DENIAL OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, Page 1 of 1 ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 100 1 100 ASIAN 1 100 1 100 BLACK OR AFRICAN AMERICAN 16 20 49 60 4 5 4 5 2 2 7 9 82 100 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 4 8 34 68 2 4 1 2 3 6 1 2 5 10 50 100 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1 100 1 100 RACE NOT AVAILABLE 6/ 1 14 6 86 7 100

ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 21 16 84 63 3 2 4 3 3 2 4 3 3 2 12 9 134 100 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 6 75 1 13 1 13 8 100

MINORITY STATUS 8/ WHITE NON-HISPANIC 4 8 33 67 2 4 1 2 3 6 1 2 5 10 49 100 OTHERS, INCL. HISPANIC 16 19 50 59 1 1 4 5 4 5 1 1 2 2 7 8 85 100

GENDER 19/ MALE 6 14 23 52 1 2 1 2 3 7 3 7 1 2 6 14 44 100 FEMALE 9 19 34 71 3 6 1 2 1 2 48 100 JOINT (MALE/FEMALE) 6 12 32 65 2 4 1 2 1 2 2 4 5 10 49 100 GENDER NOT AVAILABLE 6/ 1 100 1 100

INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 3 8 29 81 1 3 2 6 1 3 36 100 50-79% OF MSA/MD MEDIAN 9 17 35 66 2 4 1 2 1 2 5 9 53 100 80-99% OF MSA/MD MEDIAN 4 24 10 59 1 6 2 12 17 100 100-119% OF MSA/MD MEDIAN 2 18 7 64 1 9 1 9 11 100 120% OR MORE OF MSA/MD MEDIAN 3 13 9 38 3 13 1 4 1 4 3 13 4 17 24 100 INCOME NOT AVAILABLE 6/ 1 100 1 100

Report Date: 05/24/2010 AGGREGATE TABLE 8-3: REASONS FOR DENIAL OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER Page 1 of 1 AND INCOME OF APPLICANT, 2009

RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 50 1 50 2 100 BLACK OR AFRICAN AMERICAN 58 24 3 1 70 29 55 23 9 4 11 5 7 3 1 0 27 11 241 100 NAT HAWAIIAN/OTHER PACIFIC ISL 1 100 1 100 WHITE 49 22 5 2 54 24 58 26 6 3 6 3 14 6 2 1 30 13 224 100 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1 17 1 17 3 50 1 17 6 100 RACE NOT AVAILABLE 6/ 18 30 1 2 16 26 10 16 1 2 2 3 1 2 12 20 61 100

ETHNICITY 7/ HISPANIC OR LATINO 2 33 1 17 1 17 1 17 1 17 6 100 NOT HISPANIC OR LATINO 106 23 8 2 117 26 111 25 14 3 16 4 20 4 4 1 56 12 452 100 JOINT (HISPANIC OR LATINO/ NOT HISPANIC 1 17 3 50 1 17 1 17 6 100 OR LATINO) ETHNICITY NOT AVAILABLE 6/ 19 27 1 1 20 28 13 18 1 1 3 4 1 1 1 1 12 17 71 100

MINORITY STATUS 8/ WHITE NON-HISPANIC 48 23 5 2 49 23 54 26 5 2 6 3 14 7 2 1 28 13 211 100 OTHERS, INCL. HISPANIC 60 23 3 1 76 29 60 23 10 4 12 5 7 3 2 1 30 12 260 100

GENDER 19/ MALE 39 22 1 1 49 27 37 21 6 3 11 6 8 4 2 1 26 15 179 100 FEMALE 33 25 36 27 41 31 5 4 2 2 2 2 1 1 12 9 132 100 JOINT (MALE/FEMALE) 41 23 7 4 45 25 41 23 5 3 5 3 11 6 2 1 22 12 179 100 GENDER NOT AVAILABLE 6/ 13 29 1 2 12 27 7 16 2 4 10 22 45 100

INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 15 35 15 35 7 16 1 2 1 2 4 9 43 100 50-79% OF MSA/MD MEDIAN 30 38 1 1 23 29 15 19 1 1 10 13 80 100 80-99% OF MSA/MD MEDIAN 26 37 2 3 13 19 16 23 4 6 1 1 1 1 7 10 70 100 100-119% OF MSA/MD MEDIAN 14 22 17 27 19 30 4 6 1 2 2 3 6 10 63 100 120% OR MORE OF MSA/MD MEDIAN 38 16 4 2 53 23 62 27 4 2 15 6 20 9 2 1 33 14 231 100 INCOME NOT AVAILABLE 6/ 3 6 2 4 21 44 7 15 4 8 1 2 10 21 48 100

Report Date: 05/24/2010 AGGREGATE TABLE 8-4: REASONS FOR DENIAL OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, Page 1 of 1 GENDER AND INCOME OF APPLICANT, 2009

RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 9 14 42 66 8 13 1 2 4 6 64 100 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 7 13 38 72 2 4 1 2 5 9 53 100 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 4 22 11 61 2 11 1 6 18 100

ETHNICITY 7/ HISPANIC OR LATINO 2 67 1 33 3 100 NOT HISPANIC OR LATINO 15 13 77 69 10 9 1 1 1 1 8 7 112 100 JOINT (HISPANIC OR LATINO/ NOT HISPANIC 1 50 1 50 2 100 OR LATINO) ETHNICITY NOT AVAILABLE 6/ 4 22 11 61 2 11 1 6 18 100

MINORITY STATUS 8/ WHITE NON-HISPANIC 6 13 35 73 2 4 1 2 4 8 48 100 OTHERS, INCL. HISPANIC 10 14 45 65 8 12 1 1 5 7 69 100

GENDER 19/ MALE 4 10 31 76 2 5 4 10 41 100 FEMALE 7 15 34 72 3 6 1 2 1 2 1 2 47 100 JOINT (MALE/FEMALE) 5 17 16 53 5 17 4 13 30 100 GENDER NOT AVAILABLE 6/ 4 24 10 59 2 12 1 6 17 100

INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 1 4 23 96 24 100 50-79% OF MSA/MD MEDIAN 7 17 28 68 4 10 1 2 1 2 41 100 80-99% OF MSA/MD MEDIAN 6 22 16 59 2 7 3 11 27 100 100-119% OF MSA/MD MEDIAN 1 17 4 67 1 17 6 100 120% OR MORE OF MSA/MD MEDIAN 5 14 20 54 6 16 1 3 5 14 37 100 INCOME NOT AVAILABLE 6/

Report Date: 05/24/2010 AGGREGATE TABLE 8-6: REASONS FOR DENIAL OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND Page 1 of 1 MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 8 44 4 22 2 11 4 22 18 100 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 3 16 8 42 1 5 1 5 2 11 1 5 3 16 19 100 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 13 4 50 1 13 1 13 1 13 8 100

ETHNICITY 7/ HISPANIC OR LATINO 1 50 1 50 2 100 NOT HISPANIC OR LATINO 11 31 11 31 1 3 2 6 2 6 1 3 7 20 35 100 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 13 4 50 1 13 1 13 1 13 8 100

MINORITY STATUS 8/ WHITE NON-HISPANIC 3 18 7 41 1 6 2 12 1 6 3 18 17 100 OTHERS, INCL. HISPANIC 8 40 5 25 3 15 4 20 20 100

GENDER 19/ MALE 6 43 3 21 1 7 1 7 3 21 14 100 FEMALE 4 36 4 36 2 18 1 9 11 100 JOINT (MALE/FEMALE) 1 7 5 36 2 14 1 7 1 7 4 29 14 100 GENDER NOT AVAILABLE 6/ 1 17 4 67 1 17 6 100

INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 1 25 3 75 4 100 50-79% OF MSA/MD MEDIAN 1 25 1 25 1 25 1 25 4 100 80-99% OF MSA/MD MEDIAN 4 57 2 29 1 14 7 100 100-119% OF MSA/MD MEDIAN 2 40 1 20 1 20 1 20 5 100 120% OR MORE OF MSA/MD MEDIAN 4 17 7 30 1 4 1 4 1 4 1 4 8 35 23 100 INCOME NOT AVAILABLE 6/ 2 100 2 100

Report Date: 05/24/2010 AGGREGATE TABLE 8-7: REASONS FOR DENIAL OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY Page 1 of 1 RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 5 13 31 79 1 3 2 5 39 100 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 7 14 1 2 33 66 4 8 1 2 4 8 50 100 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1 50 1 50 2 100 RACE NOT AVAILABLE 6/ 2 40 3 60 5 100

ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 13 14 1 1 64 70 5 5 2 2 6 7 91 100 JOINT (HISPANIC OR LATINO/ NOT HISPANIC 1 100 1 100 OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 25 3 75 4 100

MINORITY STATUS 8/ WHITE NON-HISPANIC 7 15 1 2 31 65 4 8 1 2 4 8 48 100 OTHERS, INCL. HISPANIC 5 12 33 79 1 2 1 2 2 5 42 100

GENDER 19/ MALE 1 5 15 71 2 10 3 14 21 100 FEMALE 7 18 29 73 1 3 2 5 1 3 40 100 JOINT (MALE/FEMALE) 6 18 1 3 22 67 2 6 2 6 33 100 GENDER NOT AVAILABLE 6/ 2 100 2 100

INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 3 11 23 85 1 4 27 100 50-79% OF MSA/MD MEDIAN 8 23 24 69 1 3 2 6 35 100 80-99% OF MSA/MD MEDIAN 2 13 10 67 2 13 1 7 15 100 100-119% OF MSA/MD MEDIAN 4 80 1 20 5 100 120% OR MORE OF MSA/MD MEDIAN 6 67 1 11 2 22 9 100 INCOME NOT AVAILABLE 6/ 1 20 1 20 1 20 1 20 1 20 5 100

Report Date: 05/24/2010 Page 1 of 1 AGGREGATE TABLE 9: DISPOSITION OF LOAN APPLICATIONS , BY MEDIAN AGE OF HOMES IN CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND TYPE OF LOAN, 2009

MSA/MD: 10500 - ALBANY, GA

Loans on 1-to-4 Family and Manufactured Home Dwellings Loans On Home Purchase Loans Loans on Dwellings Nonoccupant Loans Manufactured Home Refinancings Home Improvement Census Tracts by For 5 or More From Columns Dwellings From FHA, FSA/RHS & VA Conventional Loans Median Age of Homes 23/ Families A, B, C & D Columns A,B,C & D A B C D E F G Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's

1990-MARCH 2000 LOANS ORIGINATED 3 804 8 2027 42 9440 4 93 5 244 APPLICAT'N APPROVED, NOT ACCEPTED 2 379 APPLICATIONS DENIED 2 481 17 4895 3 16 APPLICATIONS WITHDRAWN 2 237 4 930 9 2282 1 149 FILES CLOSED FOR INCOMPLETENESS 6 1250

1980-1989 LOANS ORIGINATED 273 43310 203 32886 852 139007 44 2528 3 3381 152 27058 31 1887 APPLICAT'N APPROVED, NOT ACCEPTED 13 1934 6 583 52 9257 6 534 3 485 4 165 APPLICATIONS DENIED 34 5055 20 2481 232 37497 34 1564 8 835 5 272 APPLICATIONS WITHDRAWN 34 4330 22 4428 201 35902 9 604 7 647 4 318 FILES CLOSED FOR INCOMPLETENESS 5 558 9 1545 64 10110 1 110 2 266

1970-1979 LOANS ORIGINATED 186 19967 205 21323 1004 100964 136 3445 8 1874 357 33154 145 6466 APPLICAT'N APPROVED, NOT ACCEPTED 10 912 10 1275 59 6513 12 708 9 697 9 508 APPLICATIONS DENIED 49 5422 85 5963 357 39801 102 2053 31 1947 84 4481 APPLICATIONS WITHDRAWN 35 3714 11 1305 203 26511 14 524 6 416 13 966 FILES CLOSED FOR INCOMPLETENESS 5 744 11 1127 50 6708 4 413 3 127 2 141

1960-1969 LOANS ORIGINATED 14 1705 22 1397 96 26866 7 484 23 10036 95 26523 1 16 APPLICAT'N APPROVED, NOT ACCEPTED 2 224 2 51 3 177 APPLICATIONS DENIED 5 282 6 275 52 3722 8 187 6 173 4 247 APPLICATIONS WITHDRAWN 2 144 1 40 14 1070 FILES CLOSED FOR INCOMPLETENESS 3 203 2 170 3 244 1 27

1959 OR EARLIER LOANS ORIGINATED 42 3945 25 1915 113 12922 5 244 3 443 84 9012 APPLICAT'N APPROVED, NOT ACCEPTED 1 105 1 67 1 98 1 67 APPLICATIONS DENIED 17 1450 12 828 27 2470 4 218 3 124 1 21 APPLICATIONS WITHDRAWN 4 323 1 65 19 2330 1 128 FILES CLOSED FOR INCOMPLETENESS 2 173 1 160 4 400

Report Date: 05/24/2010 Page 1 of 1 AGGREGATE TABLE 10: DISPOSITION OF LOAN APPLICATIONS , BY PRINCIPAL CITY VERSUS NON-PRINCIPAL CITY PROPERTY LOCATION AND TYPE OF LOAN, 2009

MSA/MD: 10500 - ALBANY, GA

Loans on 1-to-4 Family and Manufactured Home Dwellings Loans On Home Purchase Loans Loans on Dwellings Nonoccupant Loans Manufactured Home Refinancings Home Improvement For 5 or More From Columns Dwellings From Location Category FHA, FSA/RHS & VA Conventional Loans Families A, B, C & D Columns A,B,C & D A B C D E F G Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's

PRINCIPAL CITY 24/ LOANS ORIGINATED 229 29202 221 27957 930 144727 69 2830 34 15498 390 62920 10 388 APPLICAT'N APPROVED, NOT ACCEPTED 6 753 5 446 49 6060 10 590 8 692 3 181 APPLICATIONS DENIED 63 6971 58 4759 354 42203 73 1889 29 1819 24 1072 APPLICATIONS WITHDRAWN 36 3954 18 3292 207 31235 9 384 10 925 1 51 FILES CLOSED FOR INCOMPLETENESS 8 845 11 1192 58 8228 1 10 4 319

MSA/MD LESS PRINCIPAL CITY 25/ LOANS ORIGINATED 289 40529 242 31591 1177 144472 127 3964 3 236 303 33071 167 7981 APPLICAT'N APPROVED, NOT ACCEPTED 20 2422 12 1479 67 10238 11 829 4 490 11 559 APPLICATIONS DENIED 42 5238 67 5269 331 46182 78 2149 19 1260 70 3949 APPLICATIONS WITHDRAWN 41 4794 21 3476 239 36860 15 893 4 266 16 1233 FILES CLOSED FOR INCOMPLETENESS 7 833 12 1810 69 10484 4 513 2 101 2 141

Report Date: 05/24/2010 AGGREGATE TABLE 11 - 1: PRICING INFORMATION FOR FHA HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)

MSA/MD: 10500 - ALBANY, GA 15/ PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED CHARACTERISTICS PRICING DATA PRICING DATA 3 - 3.99 4 - 4.99 5 - 5.99 6 - 6.99 7 - 7.99 8 OR MORE MEAN MEDIAN # # # # # # # #

BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 4 BLACK OR AFRICAN AMERICAN 101 7 7 3.37 3.36 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 185 3 3 3.27 3.25 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 2 RACE NOT AVAILABLE 6/ 6 1 1 3.50 3.50 ETHNICITY 7/ HISPANIC OR LATINO 3 NOT HISPANIC OR LATINO 289 10 10 3.34 3.36 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 6 1 1 3.50 3.50 MINORITY STATUS 8/ WHITE NON-HISPANIC 182 3 3 3.27 3.25 OTHERS, INCLUDING HISPANIC 110 7 7 3.37 3.36 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 16 3 3 3.51 3.36 50-79% OF MSA/MD MEDIAN 88 3 3 3.28 3.37 80-99% OF MSA/MD MEDIAN 57 1 1 3.25 3.25 100-119% OF MSA/MD MEDIAN 47 1 1 3.35 3.35 120% OR MORE OF MSA/MD MEDIAN 89 2 2 3.43 3.43 INCOME NOT AVAILABLE 6/ 1 1 1 3.03 3.03 GENDER 19/ MALE 107 4 4 3.21 3.22 FEMALE 109 5 5 3.46 3.43 JOINT (MALE/FEMALE) 79 2 2 3.37 3.37 GENDER NOT AVAILABLE 6/ 3

CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 1 10-19% MINORITY 109 4 4 3.28 3.30 20-49% MINORITY 149 5 5 3.28 3.36 50-79% MINORITY 32 80-100% MINORITY 7 2 2 3.67 3.67 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 1 MODERATE INCOME 20 3 3 3.51 3.36 MIDDLE INCOME 94 1 1 3.43 3.43 UPPER INCOME 183 7 7 3.27 3.35

Report Date: 05/24/2010 AGGREGATE TABLE 11 - 1: PRICING INFORMATION FOR FHA HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)

BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 724 BLACK OR AFRICAN AMERICAN 12620 728 728 3.31 3.35 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 24092 264 264 3.26 3.25 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 295 RACE NOT AVAILABLE 6/ 907 147 147 3.50 3.50 ETHNICITY 7/ HISPANIC OR LATINO 501 NOT HISPANIC OR LATINO 37368 992 992 3.30 3.35 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 769 147 147 3.50 3.50 MINORITY STATUS 8/ WHITE NON-HISPANIC 23591 264 264 3.26 3.25 OTHERS, INCLUDING HISPANIC 14140 728 728 3.31 3.35 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 1243 189 189 3.47 3.36 50-79% OF MSA/MD MEDIAN 9098 215 215 3.29 3.37 80-99% OF MSA/MD MEDIAN 6653 137 137 3.25 3.25 100-119% OF MSA/MD MEDIAN 6267 140 140 3.35 3.35 120% OR MORE OF MSA/MD MEDIAN 15208 301 301 3.43 3.36 INCOME NOT AVAILABLE 6/ 169 157 157 3.03 3.03 GENDER 19/ MALE 13193 430 430 3.18 3.18 FEMALE 13581 497 497 3.43 3.43 JOINT (MALE/FEMALE) 11442 212 212 3.36 3.36 GENDER NOT AVAILABLE 6/ 422

CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 224 10-19% MINORITY 16145 581 581 3.28 3.25 20-49% MINORITY 18248 438 438 3.30 3.36 50-79% MINORITY 3491 80-100% MINORITY 530 120 120 3.63 3.36 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 54 MODERATE INCOME 2039 189 189 3.47 3.36 MIDDLE INCOME 9346 86 86 3.43 3.43 UPPER INCOME 27199 864 864 3.28 3.35

Report Date: 05/24/2010 AGGREGATE TABLE 11 - 2: PRICING INFORMATION FOR VA HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)

BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 BLACK OR AFRICAN AMERICAN 26 2 2 3.23 3.23 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 58 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1 RACE NOT AVAILABLE 6/ 7 ETHNICITY 7/ HISPANIC OR LATINO 1 NOT HISPANIC OR LATINO 82 2 2 3.23 3.23 JOINT (HISPANIC OR LATINO/ NOT 1 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 9 MINORITY STATUS 8/ WHITE NON-HISPANIC 56 OTHERS, INCLUDING HISPANIC 30 2 2 3.23 3.23 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 1 50-79% OF MSA/MD MEDIAN 11 80-99% OF MSA/MD MEDIAN 11 1 1 3.23 3.23 100-119% OF MSA/MD MEDIAN 18 120% OR MORE OF MSA/MD MEDIAN 52 1 1 3.22 3.22 INCOME NOT AVAILABLE 6/ GENDER 19/ MALE 48 FEMALE 12 JOINT (MALE/FEMALE) 30 2 2 3.23 3.23 GENDER NOT AVAILABLE 6/ 3

CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 10-19% MINORITY 55 2 2 3.23 3.23 20-49% MINORITY 29 50-79% MINORITY 6 80-100% MINORITY 3 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 2 MODERATE INCOME 4 MIDDLE INCOME 12 UPPER INCOME 75 2 2 3.23 3.23

Report Date: 05/24/2010 AGGREGATE TABLE 11 - 2: PRICING INFORMATION FOR VA HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)

BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 199 BLACK OR AFRICAN AMERICAN 4384 403 403 3.22 3.22 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 9891 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 154 RACE NOT AVAILABLE 6/ 1104 ETHNICITY 7/ HISPANIC OR LATINO 220 NOT HISPANIC OR LATINO 14009 403 403 3.22 3.22 JOINT (HISPANIC OR LATINO/ NOT 136 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1367 MINORITY STATUS 8/ WHITE NON-HISPANIC 9535 OTHERS, INCLUDING HISPANIC 5093 403 403 3.22 3.22 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 76 50-79% OF MSA/MD MEDIAN 1261 80-99% OF MSA/MD MEDIAN 1474 140 140 3.23 3.23 100-119% OF MSA/MD MEDIAN 2808 120% OR MORE OF MSA/MD MEDIAN 10113 263 263 3.22 3.22 INCOME NOT AVAILABLE 6/ GENDER 19/ MALE 8028 FEMALE 1928 JOINT (MALE/FEMALE) 5329 403 403 3.22 3.22 GENDER NOT AVAILABLE 6/ 447

CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 10-19% MINORITY 9586 403 403 3.22 3.22 20-49% MINORITY 4774 50-79% MINORITY 897 80-100% MINORITY 475 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 345 MODERATE INCOME 535 MIDDLE INCOME 1233 UPPER INCOME 13619 403 403 3.22 3.22

Report Date: 05/24/2010 AGGREGATE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED Page 1 of 2 HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)

BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 ASIAN 5 BLACK OR AFRICAN AMERICAN 27 7 2 1 3 1 6.06 6.38 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 158 33 1 6 19 7 5.47 5.38 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 2 RACE NOT AVAILABLE 6/ 5 ETHNICITY 7/ HISPANIC OR LATINO 1 1 6.53 6.53 NOT HISPANIC OR LATINO 190 39 1 8 20 9 1 5.55 5.42 JOINT (HISPANIC OR LATINO/ NOT 1 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 7 MINORITY STATUS 8/ WHITE NON-HISPANIC 155 33 1 6 19 7 5.47 5.38 OTHERS, INCLUDING HISPANIC 36 7 2 1 3 1 6.06 6.38 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 9 5 1 2 1 1 5.98 5.38 50-79% OF MSA/MD MEDIAN 21 6 1 2 3 5.93 5.94 80-99% OF MSA/MD MEDIAN 26 1 1 5.16 5.16 100-119% OF MSA/MD MEDIAN 23 6 2 4 5.31 5.15 120% OR MORE OF MSA/MD MEDIAN 118 22 1 4 11 6 5.47 5.59 INCOME NOT AVAILABLE 6/ 1 GENDER 19/ MALE 71 13 1 2 9 1 5.28 5.29 FEMALE 54 12 3 4 4 1 5.79 5.40 JOINT (MALE/FEMALE) 69 15 3 7 5 5.65 5.77 GENDER NOT AVAILABLE 6/ 4

CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 1 10-19% MINORITY 80 11 2 4 5 5.71 5.92 20-49% MINORITY 102 15 1 4 8 2 5.23 5.16 50-79% MINORITY 15 12 2 7 2 1 5.76 5.39 80-100% MINORITY 2 1 1 6.20 6.20 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 1 1 5.87 5.87 MODERATE INCOME 4 1 1 6.53 6.53 MIDDLE INCOME 35 15 2 10 2 1 5.74 5.42 UPPER INCOME 159 23 1 6 9 7 5.41 5.38

Report Date: 05/24/2010 AGGREGATE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED Page 2 of 2 HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)

BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 489 ASIAN 752 BLACK OR AFRICAN AMERICAN 5030 400 69 71 241 19 6.11 6.38 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 26095 3971 124 786 2281 780 5.33 5.19 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 422 RACE NOT AVAILABLE 6/ 1002 ETHNICITY 7/ HISPANIC OR LATINO 62 62 6.53 6.53 NOT HISPANIC OR LATINO 32420 4309 124 855 2352 959 19 5.39 5.19 JOINT (HISPANIC OR LATINO/ NOT 90 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1280 MINORITY STATUS 8/ WHITE NON-HISPANIC 25727 3971 124 786 2281 780 5.33 5.19 OTHERS, INCLUDING HISPANIC 6783 400 69 71 241 19 6.11 6.38 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 856 217 44 119 35 19 5.70 5.38 50-79% OF MSA/MD MEDIAN 1998 502 75 184 243 5.94 5.35 80-99% OF MSA/MD MEDIAN 3278 156 156 5.16 5.16 100-119% OF MSA/MD MEDIAN 3036 660 238 422 5.18 5.10 120% OR MORE OF MSA/MD MEDIAN 24542 2836 124 498 1471 743 5.35 5.42 INCOME NOT AVAILABLE 6/ 80 GENDER 19/ MALE 11463 1590 124 132 1205 129 5.19 5.16 FEMALE 8067 1045 323 435 268 19 5.47 5.35 JOINT (MALE/FEMALE) 13567 1736 400 712 624 5.56 5.77 GENDER NOT AVAILABLE 6/ 693

CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 69 10-19% MINORITY 14500 1239 197 340 702 5.80 6.14 20-49% MINORITY 16611 2307 124 589 1423 171 5.07 5.16 50-79% MINORITY 2610 678 69 504 86 19 5.67 5.42 80-100% MINORITY 147 85 62 6.15 5.87 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 85 85 5.87 5.87 MODERATE INCOME 210 62 62 6.53 6.53 MIDDLE INCOME 4811 972 113 754 86 19 5.60 5.36 UPPER INCOME 28769 3252 124 742 1513 873 5.31 5.16

Report Date: 05/24/2010 AGGREGATE TABLE 11 - 4: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED Page 1 of 2 HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)

MSA/MD: 10500 - ALBANY, GA 15/ PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED CHARACTERISTICS PRICING DATA PRICING DATA 5 - 5.99 6 - 6.99 7 - 7.99 8 - 8.99 9 - 9.99 10 OR MORE MEAN MEDIAN # # # # # # # #

BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 1 5.04 5.04 BLACK OR AFRICAN AMERICAN 1 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 1 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 2 1 1 5.04 5.04 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC 1 OTHERS, INCLUDING HISPANIC 1 1 1 5.04 5.04 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 50-79% OF MSA/MD MEDIAN 80-99% OF MSA/MD MEDIAN 100-119% OF MSA/MD MEDIAN 120% OR MORE OF MSA/MD MEDIAN 2 1 1 5.04 5.04 INCOME NOT AVAILABLE 6/ GENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) 2 1 1 5.04 5.04 GENDER NOT AVAILABLE 6/

CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 10-19% MINORITY 1 1 1 5.04 5.04 20-49% MINORITY 1 50-79% MINORITY 80-100% MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME 2 1 1 5.04 5.04

Report Date: 05/24/2010 AGGREGATE TABLE 11 - 4: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED Page 2 of 2 HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)

MSA/MD: 10500 - ALBANY, GA 15/ PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED CHARACTERISTICS PRICING DATA PRICING DATA 5 - 5.99 6 - 6.99 7 - 7.99 8 - 8.99 9 - 9.99 10 OR MORE MEAN 30/ MEDIAN 31/ $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S

BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 15 15 5.04 5.04 BLACK OR AFRICAN AMERICAN 33 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 37 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 70 15 15 5.04 5.04 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC 37 OTHERS, INCLUDING HISPANIC 33 15 15 5.04 5.04 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 50-79% OF MSA/MD MEDIAN 80-99% OF MSA/MD MEDIAN 100-119% OF MSA/MD MEDIAN 120% OR MORE OF MSA/MD MEDIAN 70 15 15 5.04 5.04 INCOME NOT AVAILABLE 6/ GENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) 70 15 15 5.04 5.04 GENDER NOT AVAILABLE 6/

CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 10-19% MINORITY 37 15 15 5.04 5.04 20-49% MINORITY 33 50-79% MINORITY 80-100% MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME 70 15 15 5.04 5.04

Report Date: 05/24/2010 AGGREGATE TABLE 11 - 5: PRICING INFORMATION FOR FHA REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR Page 1 of 2 CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 10500 - ALBANY, GA

15/ PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPA BORROWER OR CENSUS TRACT NO REPORTED REPORTED LOANS 17/ CHARACTERISTICS PRICING DATA PRICING DATA 3 - 3.99 4 - 4.99 5 - 5.99 6 - 6.99 7 - 7.99 8 OR MORE MEAN MEDIAN # # # # # # # # #

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 4 BLACK OR AFRICAN AMERICAN 92 9 6 3 3.57 3.55 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 159 9 7 1 1 3.74 3.23 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 2 RACE NOT AVAILABLE 6/ 34 8 8 3.30 3.26 ETHNICITY 7/

HISPANIC OR LATINO 4 NOT HISPANIC OR LATINO 254 19 14 4 1 3.65 3.43 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 33 7 7 3.27 3.25 MINORITY STATUS 8/

WHITE NON-HISPANIC 155 9 7 1 1 3.74 3.23 OTHERS, INCLUDING HISPANIC 102 9 6 3 3.57 3.55 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 13 3 3 3.27 3.31 50-79% OF MSA/MD MEDIAN 28 80-99% OF MSA/MD MEDIAN 26 2 1 1 3.88 3.88 100-119% OF MSA/MD MEDIAN 27 4 2 2 3.77 3.83 120% OR MORE OF MSA/MD MEDIAN 104 9 8 1 3.35 3.17 INCOME NOT AVAILABLE 6/ 93 8 7 1 3.69 3.24 GENDER 19/

MALE 75 7 4 3 3.65 3.55 FEMALE 82 8 6 1 1 3.88 3.47 JOINT (MALE/FEMALE) 125 6 6 3.26 3.11 GENDER NOT AVAILABLE 6/ 9 5 5 3.23 3.25 CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 1 10-19% MINORITY 93 10 8 2 3.45 3.24 20-49% MINORITY 116 10 10 3.20 3.14 50-79% MINORITY 56 4 3 1 3.71 3.56 80-100% MINORITY 25 2 1 1 5.44 5.44 INCOME CHARACTERISTICS 12/ 13/

LOW INCOME 1 MODERATE INCOME 31 3 1 1 1 4.81 4.15 MIDDLE INCOME 90 9 8 1 3.40 3.32 UPPER INCOME 169 14 12 2 3.37 3.20 Report Date: 05/24/2010 AGGREGATE TABLE 11 - 5: PRICING INFORMATION FOR FHA REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR Page 2 of 2 CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 10500 - ALBANY, GA

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 708 BLACK OR AFRICAN AMERICAN 12143 976 690 286 3.49 3.32 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 22616 1038 854 158 26 3.49 3.23 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 308 RACE NOT AVAILABLE 6/ 4265 1102 1102 3.30 3.25 ETHNICITY 7/

HISPANIC OR LATINO 475 NOT HISPANIC OR LATINO 35408 2128 1658 444 26 3.49 3.32 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 4157 988 988 3.28 3.25 MINORITY STATUS 8/

WHITE NON-HISPANIC 22141 1038 854 158 26 3.49 3.23 OTHERS, INCLUDING HISPANIC 13634 976 690 286 3.49 3.32 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 1307 222 222 3.27 3.31 50-79% OF MSA/MD MEDIAN 2758 80-99% OF MSA/MD MEDIAN 3182 295 126 169 3.92 4.20 100-119% OF MSA/MD MEDIAN 3512 500 274 226 3.72 3.43 120% OR MORE OF MSA/MD MEDIAN 16449 1122 1073 49 3.27 3.17 INCOME NOT AVAILABLE 6/ 12832 977 951 26 3.34 3.23 GENDER 19/

MALE 10264 847 572 275 3.55 3.23 FEMALE 10557 798 603 169 26 3.62 3.43 JOINT (MALE/FEMALE) 18315 738 738 3.28 3.15 GENDER NOT AVAILABLE 6/ 904 733 733 3.22 3.25 CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 270 10-19% MINORITY 14659 1581 1254 327 3.46 3.25 20-49% MINORITY 16211 1117 1117 3.19 3.10 50-79% MINORITY 6308 343 275 68 3.68 3.57 80-100% MINORITY 2592 75 49 26 5.04 4.15 INCOME CHARACTERISTICS 12/ 13/

LOW INCOME 57 MODERATE INCOME 3269 132 57 49 26 4.40 4.15 MIDDLE INCOME 10959 837 769 68 3.38 3.32 UPPER INCOME 25755 2147 1820 327 3.38 3.23 Report Date: 05/24/2010 AGGREGATE TABLE 11 - 6: PRICING INFORMATION FOR VA REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR Page 1 of 2 CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 10500 - ALBANY, GA

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 27 NAT HAWAIIAN/OTHER PACIFIC ISL 1 WHITE 34 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1 RACE NOT AVAILABLE 6/ 12 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 61 JOINT (HISPANIC OR LATINO/ NOT 2 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 12 MINORITY STATUS 8/

WHITE NON-HISPANIC 31 OTHERS, INCLUDING HISPANIC 31 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 1 50-79% OF MSA/MD MEDIAN 80-99% OF MSA/MD MEDIAN 2 100-119% OF MSA/MD MEDIAN 4 120% OR MORE OF MSA/MD MEDIAN 26 INCOME NOT AVAILABLE 6/ 42 GENDER 19/

MALE 32 FEMALE 6 JOINT (MALE/FEMALE) 32 GENDER NOT AVAILABLE 6/ 5 CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 10-19% MINORITY 37 20-49% MINORITY 26 50-79% MINORITY 7 80-100% MINORITY 5 INCOME CHARACTERISTICS 12/ 13/

LOW INCOME MODERATE INCOME 5 MIDDLE INCOME 6 UPPER INCOME 64 Report Date: 05/24/2010 AGGREGATE TABLE 11 - 6: PRICING INFORMATION FOR VA REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR Page 2 of 2 CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 10500 - ALBANY, GA

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 4853 NAT HAWAIIAN/OTHER PACIFIC ISL 176 WHITE 6008 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 155 RACE NOT AVAILABLE 6/ 2202 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 10881 JOINT (HISPANIC OR LATINO/ NOT 332 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 2181 MINORITY STATUS 8/

WHITE NON-HISPANIC 5547 OTHERS, INCLUDING HISPANIC 5516 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 142 50-79% OF MSA/MD MEDIAN 80-99% OF MSA/MD MEDIAN 379 100-119% OF MSA/MD MEDIAN 497 120% OR MORE OF MSA/MD MEDIAN 5047 INCOME NOT AVAILABLE 6/ 7329 GENDER 19/

MALE 5889 FEMALE 916 JOINT (MALE/FEMALE) 5690 GENDER NOT AVAILABLE 6/ 899 CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 10-19% MINORITY 7090 20-49% MINORITY 4565 50-79% MINORITY 948 80-100% MINORITY 791 INCOME CHARACTERISTICS 12/ 13/

LOW INCOME MODERATE INCOME 791 MIDDLE INCOME 687 UPPER INCOME 11916 Report Date: 05/24/2010 AGGREGATE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 10500 - ALBANY, GA

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 3 ASIAN 5 BLACK OR AFRICAN AMERICAN 86 69 12 3 6 22 21 5 6.29 6.77 1 NAT HAWAIIAN/OTHER PACIFIC ISL 1 WHITE 563 98 17 19 17 27 16 2 5.61 5.67 1 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 8 RACE NOT AVAILABLE 6/ 39 4 2 2 5.41 5.25 ETHNICITY 7/

HISPANIC OR LATINO 8 1 1 3.96 3.96 NOT HISPANIC OR LATINO 655 164 28 21 23 48 37 7 5.90 6.32 2 JOINT (HISPANIC OR LATINO/ NOT 4 1 1 6.96 6.96 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 38 5 2 1 2 5.25 4.61 MINORITY STATUS 8/

WHITE NON-HISPANIC 551 95 16 18 17 26 16 2 5.62 5.71 1 OTHERS, INCLUDING HISPANIC 114 71 13 3 6 23 21 5 6.27 6.77 1 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 26 35 4 2 4 13 11 1 6.32 6.70 50-79% OF MSA/MD MEDIAN 82 44 8 6 5 11 13 1 5.88 6.32 80-99% OF MSA/MD MEDIAN 70 23 4 3 1 7 6 2 6.17 6.68 100-119% OF MSA/MD MEDIAN 76 20 3 2 1 8 5 1 6.14 6.49 120% OR MORE OF MSA/MD MEDIAN 432 45 11 8 12 8 4 2 5.32 5.13 2 INCOME NOT AVAILABLE 6/ 19 4 1 1 2 5.26 5.69 GENDER 19/

MALE 174 52 14 7 4 15 10 2 5.61 6.06 1 FEMALE 151 61 9 4 9 22 16 1 6.12 6.58 JOINT (MALE/FEMALE) 353 56 8 11 10 12 11 4 5.80 5.77 1 GENDER NOT AVAILABLE 6/ 27 2 2 7.52 7.52 CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 12 1 1 3.69 3.69 10-19% MINORITY 266 25 10 4 2 4 4 1 5.12 4.75 20-49% MINORITY 323 43 13 11 10 6 3 4.88 4.91 1 50-79% MINORITY 75 90 4 5 10 38 30 3 6.55 6.81 80-100% MINORITY 29 12 3 2 1 1 2 3 6.14 5.88 1 INCOME CHARACTERISTICS 12/ 13/

LOW INCOME 2 1 1 4.49 4.49 MODERATE INCOME 32 15 5 1 1 1 2 5 6.20 6.68 1 MIDDLE INCOME 179 116 11 14 16 42 32 1 6.13 6.55 UPPER INCOME 492 39 15 6 6 6 5 1 5.03 4.86 1 Report Date: 05/24/2010 AGGREGATE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 10500 - ALBANY, GA

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 430 ASIAN 1017 BLACK OR AFRICAN AMERICAN 10433 3388 1212 68 259 1165 428 256 5.59 6.19 111 NAT HAWAIIAN/OTHER PACIFIC ISL 351 WHITE 88263 9217 2359 2192 2493 1373 605 195 5.05 5.01 36 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1474 RACE NOT AVAILABLE 6/ 5869 346 119 227 5.98 7.04 ETHNICITY 7/

HISPANIC OR LATINO 1763 82 82 3.96 3.96 NOT HISPANIC OR LATINO 99471 12426 3489 2222 2752 2479 1033 451 5.20 5.13 147 JOINT (HISPANIC OR LATINO/ NOT 778 59 59 6.96 6.96 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 5825 384 119 38 227 5.84 7.04 MINORITY STATUS 8/

WHITE NON-HISPANIC 85951 9038 2277 2154 2493 1314 605 195 5.05 5.12 36 OTHERS, INCLUDING HISPANIC 15917 3529 1294 68 259 1224 428 256 5.58 6.19 111 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 2069 1002 209 28 107 512 139 7 5.82 6.44 50-79% OF MSA/MD MEDIAN 7509 2307 576 383 443 477 386 42 5.37 5.63 80-99% OF MSA/MD MEDIAN 7557 1222 278 107 28 345 368 96 6.09 6.68 100-119% OF MSA/MD MEDIAN 8955 1803 440 434 34 610 153 132 5.46 5.37 120% OR MORE OF MSA/MD MEDIAN 78804 5857 1727 1086 2140 516 214 174 4.96 5.08 147 INCOME NOT AVAILABLE 6/ 2943 760 460 222 78 3.95 3.06 GENDER 19/

MALE 27733 4474 2257 576 258 874 266 243 4.83 3.99 111 FEMALE 17886 2961 651 165 611 1236 256 42 5.64 6.11 JOINT (MALE/FEMALE) 58224 5289 782 1519 1883 428 511 166 5.22 5.12 36 GENDER NOT AVAILABLE 6/ 3994 227 227 7.40 7.04 CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 2572 630 630 3.69 3.69 10-19% MINORITY 43167 3388 1264 597 916 313 166 132 4.77 4.75 20-49% MINORITY 49818 3835 1282 1083 889 372 209 4.68 4.91 36 50-79% MINORITY 10080 4341 290 460 877 1799 803 112 6.10 6.44 80-100% MINORITY 2200 757 224 120 70 54 82 207 6.17 5.08 111 INCOME CHARACTERISTICS 12/ 13/

LOW INCOME 372 12 12 4.49 4.49 MODERATE INCOME 2270 945 319 108 70 54 82 312 6.15 5.08 111 MIDDLE INCOME 22251 5807 606 1247 1082 1995 870 7 5.70 5.99 UPPER INCOME 82944 6187 2765 893 1600 489 308 132 4.62 4.47 36 Report Date: 05/24/2010 AGGREGATE TABLE 11 - 8: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 10500 - ALBANY, GA

15/ PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPA BORROWER OR CENSUS TRACT NO REPORTED REPORTED LOANS 17/ CHARACTERISTICS PRICING DATA PRICING DATA 5 - 5.99 6 - 6.99 7 - 7.99 8 - 8.99 9 - 9.99 10 OR MORE MEAN MEDIAN # # # # # # # # #

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 2 2 2 6.35 6.35 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 22 19 6 8 4 1 6.46 6.32 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 6 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 22 21 6 10 4 1 6.45 6.32 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 8 MINORITY STATUS 8/

WHITE NON-HISPANIC 20 19 6 8 4 1 6.46 6.32 OTHERS, INCLUDING HISPANIC 2 2 2 6.35 6.35 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 1 1 6.09 6.09 50-79% OF MSA/MD MEDIAN 3 3 2 1 6.93 6.63 80-99% OF MSA/MD MEDIAN 1 3 2 1 7.03 6.81 100-119% OF MSA/MD MEDIAN 3 2 1 1 6.11 6.11 120% OR MORE OF MSA/MD MEDIAN 20 12 5 5 1 1 6.27 6.05 INCOME NOT AVAILABLE 6/ 3 GENDER 19/

MALE 9 6 2 4 6.23 6.35 FEMALE 3 5 2 2 1 6.14 6.09 JOINT (MALE/FEMALE) 15 10 2 4 3 1 6.74 6.57 GENDER NOT AVAILABLE 6/ 3 CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 10-19% MINORITY 14 11 2 6 3 6.53 6.60 20-49% MINORITY 14 7 4 2 1 6.34 5.77 50-79% MINORITY 2 3 2 1 6.40 6.09 80-100% MINORITY INCOME CHARACTERISTICS 12/ 13/

LOW INCOME MODERATE INCOME 1 1 7.02 7.02 MIDDLE INCOME 7 7 2 4 1 6.52 6.09 UPPER INCOME 23 13 4 6 3 6.37 6.32 Report Date: 05/24/2010 AGGREGATE TABLE 11 - 8: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 10500 - ALBANY, GA

15/ PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPA BORROWER OR CENSUS TRACT NO REPORTED REPORTED LOANS 17/ CHARACTERISTICS PRICING DATA PRICING DATA 5 - 5.99 6 - 6.99 7 - 7.99 8 - 8.99 9 - 9.99 10 OR MORE MEAN 30/ MEDIAN 31/ $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 64 91 91 6.43 6.60 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 1394 771 350 281 97 43 6.25 6.07 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 321 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 1288 862 350 372 97 43 6.27 6.07 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 491 MINORITY STATUS 8/

WHITE NON-HISPANIC 1224 771 350 281 97 43 6.25 6.07 OTHERS, INCLUDING HISPANIC 64 91 91 6.43 6.60 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 31 31 6.09 6.09 50-79% OF MSA/MD MEDIAN 93 88 80 8 6.69 6.60 80-99% OF MSA/MD MEDIAN 20 74 67 7 6.85 6.81 100-119% OF MSA/MD MEDIAN 100 48 30 18 5.88 5.19 120% OR MORE OF MSA/MD MEDIAN 1336 621 320 194 64 43 6.18 5.77 INCOME NOT AVAILABLE 6/ 230 GENDER 19/

MALE 746 334 168 166 6.02 5.77 FEMALE 94 156 58 91 7 6.03 6.09 JOINT (MALE/FEMALE) 709 372 124 115 90 43 6.60 6.32 GENDER NOT AVAILABLE 6/ 230 CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 10-19% MINORITY 690 453 124 250 79 6.29 6.32 20-49% MINORITY 966 322 226 53 43 6.25 5.77 50-79% MINORITY 123 87 69 18 6.28 6.09 80-100% MINORITY INCOME CHARACTERISTICS 12/ 13/

LOW INCOME MODERATE INCOME 18 18 7.02 7.02 MIDDLE INCOME 316 223 58 122 43 6.68 6.09 UPPER INCOME 1463 621 292 250 79 6.10 6.07 Report Date: 05/24/2010 AGGREGATE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), Page 1 of 2 BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 10500 - ALBANY, GA

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 3 18 1 2 3 3 9 6.47 6.99 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 13 18 2 3 6 3 4 5.72 5.64 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 1 7.47 7.47 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 16 36 2 5 9 6 14 6.19 6.25 JOINT (HISPANIC OR LATINO/ NOT 1 1 3.82 3.82 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/

WHITE NON-HISPANIC 13 17 1 3 6 3 4 5.83 5.72 OTHERS, INCLUDING HISPANIC 3 19 2 2 3 3 9 6.33 6.90 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 1 16 3 3 2 8 6.42 6.89 50-79% OF MSA/MD MEDIAN 2 8 1 2 4 1 5.95 6.25 80-99% OF MSA/MD MEDIAN 4 4 1 2 1 5.45 5.46 100-119% OF MSA/MD MEDIAN 1 1 7.07 7.07 120% OR MORE OF MSA/MD MEDIAN 9 8 1 4 3 5.96 5.79 INCOME NOT AVAILABLE 6/ GENDER 19/

MALE 6 8 2 3 3 5.92 5.54 FEMALE 2 20 3 6 5 6 6.24 6.22 JOINT (MALE/FEMALE) 8 9 3 1 5 6.08 7.05 GENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 1 10-19% MINORITY 6 2 1 1 6.17 6.17 20-49% MINORITY 5 8 1 2 4 1 5.05 5.16 50-79% MINORITY 4 24 2 2 4 5 11 6.38 6.82 80-100% MINORITY 3 1 2 6.96 7.47 INCOME CHARACTERISTICS 12/ 13/

LOW INCOME 1 1 7.47 7.47 MODERATE INCOME 3 1 1 1 5.86 5.48 MIDDLE INCOME 7 26 3 2 5 5 11 6.22 6.62 UPPER INCOME 9 7 2 3 1 1 5.74 5.55 Report Date: 05/24/2010 AGGREGATE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), Page 2 of 2 BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 10500 - ALBANY, GA

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 407 487 31 99 169 94 94 5.76 5.36 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 1348 914 95 86 545 116 72 5.55 5.55 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 51 51 7.47 7.47 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 1755 1372 46 185 714 210 217 5.79 5.55 JOINT (HISPANIC OR LATINO/ NOT 80 80 3.82 3.82 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/

WHITE NON-HISPANIC 1348 834 15 86 545 116 72 5.71 5.55 OTHERS, INCLUDING HISPANIC 407 567 111 99 169 94 94 5.48 5.36 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 14 345 102 96 41 106 5.84 5.48 50-79% OF MSA/MD MEDIAN 126 300 15 83 169 33 6.10 6.27 80-99% OF MSA/MD MEDIAN 178 419 80 316 23 5.26 5.55 100-119% OF MSA/MD MEDIAN 16 16 7.07 7.07 120% OR MORE OF MSA/MD MEDIAN 1437 372 31 302 39 5.63 5.72 INCOME NOT AVAILABLE 6/ GENDER 19/

MALE 966 367 96 244 27 5.33 5.36 FEMALE 257 832 89 470 162 111 5.92 5.55 JOINT (MALE/FEMALE) 532 253 126 48 79 5.44 6.90 GENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 112 10-19% MINORITY 1059 50 40 10 5.42 4.92 20-49% MINORITY 512 580 15 86 429 50 5.38 5.55 50-79% MINORITY 72 690 111 59 237 160 123 5.74 5.72 80-100% MINORITY 132 48 84 6.86 7.47 INCOME CHARACTERISTICS 12/ 13/

LOW INCOME 51 51 7.47 7.47 MODERATE INCOME 137 56 48 33 5.53 5.48 MIDDLE INCOME 389 679 126 46 224 160 123 5.67 5.72 UPPER INCOME 1366 585 83 442 50 10 5.58 5.55 Report Date: 05/24/2010 AGGREGATE TABLE 11 - 10: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED Page 1 of 2 HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 10500 - ALBANY, GA

15/ PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPA BORROWER OR CENSUS TRACT NO REPORTED REPORTED LOANS 17/ CHARACTERISTICS PRICING DATA PRICING DATA 5 - 5.99 6 - 6.99 7 - 7.99 8 - 8.99 9 - 9.99 10 OR MORE MEAN MEDIAN # # # # # # # # #

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 BLACK OR AFRICAN AMERICAN 2 2 6.44 6.44 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 8 6 5 1 5.76 5.41 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 8 5 4 1 5.65 5.43 JOINT (HISPANIC OR LATINO/ NOT 1 1 5.26 5.26 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 2 1 1 6.96 6.96 MINORITY STATUS 8/

WHITE NON-HISPANIC 7 4 4 5.42 5.41 OTHERS, INCLUDING HISPANIC 1 3 1 2 6.04 6.28 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 2 1 1 7.11 7.11 50-79% OF MSA/MD MEDIAN 2 80-99% OF MSA/MD MEDIAN 1 1 5.43 5.43 100-119% OF MSA/MD MEDIAN 1 1 5.06 5.06 120% OR MORE OF MSA/MD MEDIAN 6 3 2 1 5.78 5.80 INCOME NOT AVAILABLE 6/ 1 1 1 5.38 5.38 GENDER 19/

MALE 2 FEMALE 2 4 2 2 6.03 6.04 JOINT (MALE/FEMALE) 5 4 3 1 5.83 5.32 GENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 10-19% MINORITY 2 1 1 5.26 5.26 20-49% MINORITY 5 4 2 1 1 6.19 6.04 50-79% MINORITY 2 2 2 5.41 5.41 80-100% MINORITY 1 1 6.59 6.59 INCOME CHARACTERISTICS 12/ 13/

LOW INCOME MODERATE INCOME 1 1 6.59 6.59 MIDDLE INCOME 3 4 3 1 5.72 5.62 UPPER INCOME 6 3 2 1 5.98 5.26 Report Date: 05/24/2010 AGGREGATE TABLE 11 - 10: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED Page 2 of 2 HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 10500 - ALBANY, GA

15/ PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPA BORROWER OR CENSUS TRACT NO REPORTED REPORTED LOANS 17/ CHARACTERISTICS PRICING DATA PRICING DATA 5 - 5.99 6 - 6.99 7 - 7.99 8 - 8.99 9 - 9.99 10 OR MORE MEAN 30/ MEDIAN 31/ $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S $000'S

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN 35 BLACK OR AFRICAN AMERICAN 32 32 6.49 6.59 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 320 133 128 5 5.70 5.80 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 290 132 110 22 5.83 5.80 JOINT (HISPANIC OR LATINO/ NOT 18 18 5.26 5.26 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 65 15 10 5 6.73 6.28 MINORITY STATUS 8/

WHITE NON-HISPANIC 255 110 110 5.68 5.80 OTHERS, INCLUDING HISPANIC 35 50 18 32 6.05 6.28 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 27 22 5 6.78 6.59 50-79% OF MSA/MD MEDIAN 73 80-99% OF MSA/MD MEDIAN 12 12 5.43 5.43 100-119% OF MSA/MD MEDIAN 10 10 5.06 5.06 120% OR MORE OF MSA/MD MEDIAN 242 113 103 10 5.76 5.80 INCOME NOT AVAILABLE 6/ 40 3 3 5.38 5.38 GENDER 19/

MALE 53 FEMALE 98 129 97 32 5.94 5.80 JOINT (MALE/FEMALE) 204 36 31 5 5.54 5.26 GENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 10-19% MINORITY 104 18 18 5.26 5.26 20-49% MINORITY 203 110 95 10 5 5.86 5.80 50-79% MINORITY 48 15 15 5.42 5.43 80-100% MINORITY 22 22 6.59 6.59 INCOME CHARACTERISTICS 12/ 13/

LOW INCOME MODERATE INCOME 22 22 6.59 6.59 MIDDLE INCOME 81 110 100 10 5.79 5.80 UPPER INCOME 274 33 28 5 5.56 5.26 Report Date: 05/24/2010 Page 1 of 1 AGGREGATE TABLE 12-1: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009

MSA/MD: 10500 - ALBANY, GA Applications Loans Apps. Approved But Applications Applications Files Closed For Borrower or Census Tract Characteristics Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness # $000's # $000's # $000's # $000's # $000's # $000's

BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 34 1408 4 79 3 139 27 1190 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 52 2576 21 854 6 330 22 1235 1 16 2 141 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1 53 1 53 RACE NOT AVAILABLE 6/ 3 166 1 50 2 116 ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 87 4030 25 933 9 469 50 2471 1 16 2 141 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 3 173 1 50 2 123 MINORITY STATUS 8/ WHITE NON-HISPANIC 51 2504 21 854 6 330 21 1163 1 16 2 141 OTHERS, INCLUDING HISPANIC 35 1461 4 79 3 139 28 1243 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 25 842 8 175 2 82 15 585 50-79% OF MSA/MD MEDIAN 34 1606 7 250 3 138 23 1180 1 38 80-99% OF MSA/MD MEDIAN 10 534 3 162 7 372 100-119% OF MSA/MD MEDIAN 7 409 3 179 1 45 3 185 120% OR MORE OF MSA/MD MEDIAN 14 812 5 217 3 204 4 272 1 16 1 103 INCOME NOT AVAILABLE 6/ GENDER 19/ MALE 26 1305 11 490 3 169 12 646 FEMALE 36 1416 11 354 2 81 22 943 1 38 JOINT (MALE/FEMALE) 26 1381 3 89 4 219 17 954 1 16 1 103 GENDER NOT AVAILABLE 6/ 2 101 1 50 1 51

CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY 10-19% MINORITY 9 475 5 246 3 133 1 96 20-49% MINORITY 42 2152 10 376 2 141 28 1516 1 16 1 103 50-79% MINORITY 21 711 11 361 2 81 7 231 1 38 80-100% MINORITY 18 865 2 114 16 751 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 1 32 1 32 MODERATE INCOME 19 910 2 114 17 796 MIDDLE INCOME 61 2786 21 737 4 222 33 1670 1 16 2 141 UPPER INCOME 9 475 5 246 3 133 1 96

Report Date: 05/24/2010 AGGREGATE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER OCCUPIED DWELLING, BY BORROWER OR CENSUS Page 1 of 2 TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 1 2 1 1 9.35 9.35 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 1 16 1 5 1 5 3 1 6.25 6.45 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 1 6.20 6.20 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 2 18 1 5 1 5 4 2 6.59 6.57 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 1 6.20 6.20 MINORITY STATUS 8/

WHITE NON-HISPANIC 1 16 1 5 1 5 3 1 6.25 6.45 OTHERS, INCLUDING HISPANIC 1 2 1 1 9.35 9.35 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 2 4 1 1 2 9.17 9.35 50-79% OF MSA/MD MEDIAN 6 1 2 1 1 1 5.42 5.34 80-99% OF MSA/MD MEDIAN 3 1 1 1 6.25 6.87 100-119% OF MSA/MD MEDIAN 3 2 1 5.46 4.96 120% OR MORE OF MSA/MD MEDIAN 3 2 1 6.82 6.63 INCOME NOT AVAILABLE 6/ GENDER 19/

MALE 10 1 3 4 1 1 6.32 6.45 FEMALE 1 6 2 1 2 1 7.04 6.94 JOINT (MALE/FEMALE) 1 2 1 1 6.59 6.59 GENDER NOT AVAILABLE 6/ 1 1 6.20 6.20 CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 10-19% MINORITY 5 1 4 5.85 6.39 20-49% MINORITY 7 3 3 1 6.89 7.00 50-79% MINORITY 2 7 2 1 2 1 1 6.76 6.51 80-100% MINORITY INCOME CHARACTERISTICS 12/ 13/

LOW INCOME MODERATE INCOME MIDDLE INCOME 2 14 5 1 2 4 2 6.83 6.57 UPPER INCOME 5 1 4 5.85 6.39

Report Date: 05/24/2010 AGGREGATE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER OCCUPIED DWELLING, BY BORROWER OR CENSUS Page 2 of 2 TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 7 34 29 5 7.76 7.10 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 33 724 51 246 14 254 153 6 5.98 6.51 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 50 50 6.20 6.20 ETHNICITY 7/

HISPANIC OR LATINO NOT HISPANIC OR LATINO 40 758 51 246 14 254 182 11 6.06 6.51 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 50 50 6.20 6.20 MINORITY STATUS 8/

WHITE NON-HISPANIC 33 724 51 246 14 254 153 6 5.98 6.51 OTHERS, INCLUDING HISPANIC 7 34 29 5 7.76 7.10 INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 40 85 45 29 11 7.31 6.39 50-79% OF MSA/MD MEDIAN 212 51 52 14 53 42 5.44 5.82 80-99% OF MSA/MD MEDIAN 162 81 47 34 5.91 5.88 100-119% OF MSA/MD MEDIAN 179 113 66 5.53 4.96 120% OR MORE OF MSA/MD MEDIAN 170 93 77 6.96 6.63 INCOME NOT AVAILABLE 6/ GENDER 19/

MALE 485 51 144 207 77 6 5.93 6.51 FEMALE 7 217 102 47 63 5 6.11 6.87 JOINT (MALE/FEMALE) 33 56 14 42 6.97 7.35 GENDER NOT AVAILABLE 6/ 50 50 6.20 6.20 CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 10-19% MINORITY 246 51 195 5.83 6.39 20-49% MINORITY 303 144 153 6 6.30 7.00 50-79% MINORITY 40 259 102 14 109 29 5 6.03 6.51 80-100% MINORITY INCOME CHARACTERISTICS 12/ 13/

LOW INCOME MODERATE INCOME MIDDLE INCOME 40 562 246 14 109 182 11 6.17 6.51 UPPER INCOME 246 51 195 5.83 6.39

Report Date: 05/24/2010 SUMMARY TABLE A1: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-FAMILIES (EXCLUDES MANUFACTURED HOMES), 2009 Page 1 of 1

MSA/MD: 10500 - ALBANY, GA HOME PURCHASE REFINANCE HOME IMPROVEMENT LOAN TYPE FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN

TOTAL APPLICATIONS 28/

CONVENTIONAL 561 6 2226 95 155 49 153 FHA 528 835 1 6 VA 146 185 1 FSA/RHS 33 2 LOANS ORIGINATED

CONVENTIONAL 426 3 1461 85 86 21 69 FHA 364 358 2 VA 116 91 FSA/RHS 25 APPLICATIONS APPROVED BUT NOT ACCEPTED

CONVENTIONAL 8 76 2 14 1 5 FHA 19 25 1 VA 3 10 FSA/RHS 1 1 APPLICATIONS DENIED

CONVENTIONAL 69 2 367 6 42 21 73 FHA 74 243 1 2 VA 19 49 1 FSA/RHS 3 APPLICATIONS WITHDRAWN

CONVENTIONAL 37 1 235 2 9 5 6 FHA 58 178 1 VA 8 26 FSA/RHS 2 1 FILES CLOSED FOR INCOMPLETENESS

CONVENTIONAL 21 87 4 1 FHA 13 31 VA 9 FSA/RHS 2

MEMO ITEM: SUBSET OF LOANS ORIGINATED

PREAPPROVALS RESULTING IN ORIGINATIONS

CONVENTIONAL 10 NA NA NA NA NA FHA 22 NA NA NA NA NA VA 13 NA NA NA NA NA FSA/RHS NA NA NA NA NA LOANS SOLD

CONVENTIONAL 178 663 10 FHA 290 299 1 VA 93 64 FSA/RHS 22

Report Date: 05/24/2010 SUMMARY TABLE A2: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MANUFACTURED HOME, 2009 Page 1 of 1

MSA/MD: 10500 - ALBANY, GA HOME PURCHASE REFINANCE HOME IMPROVEMENT LOAN TYPE FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN

TOTAL APPLICATIONS 28/

CONVENTIONAL 100 113 4 14 3 16 FHA 33 18 VA 1 2 FSA/RHS LOANS ORIGINATED

CONVENTIONAL 34 99 4 9 1 8 FHA 12 9 VA 1 FSA/RHS APPLICATIONS APPROVED BUT NOT ACCEPTED

CONVENTIONAL 9 2 FHA 3 VA FSA/RHS APPLICATIONS DENIED

CONVENTIONAL 54 10 4 1 7 FHA 9 8 VA 1 FSA/RHS APPLICATIONS WITHDRAWN

CONVENTIONAL 1 2 1 1 1 FHA 9 1 VA 1 FSA/RHS FILES CLOSED FOR INCOMPLETENESS

CONVENTIONAL 2 FHA VA FSA/RHS

MEMO ITEM: SUBSET OF LOANS ORIGINATED

PREAPPROVALS RESULTING IN ORIGINATIONS

CONVENTIONAL NA NA NA NA NA FHA 1 NA NA NA NA NA VA NA NA NA NA NA FSA/RHS NA NA NA NA NA LOANS SOLD

CONVENTIONAL 1 FHA 8 7 VA FSA/RHS

Report Date: 05/24/2010 SUMMARY TABLE A3: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MULTIFAMILY, 2009 Page 1 of 1

MSA/MD: 10500 - ALBANY, GA HOME PURCHASE REFINANCE HOME IMPROVEMENT LOAN TYPE FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN

TOTAL APPLICATIONS 28/

CONVENTIONAL 3 33 1 FHA VA FSA/RHS LOANS ORIGINATED

CONVENTIONAL 3 33 1 FHA VA FSA/RHS APPLICATIONS APPROVED BUT NOT ACCEPTED

CONVENTIONAL FHA VA FSA/RHS APPLICATIONS DENIED

CONVENTIONAL FHA VA FSA/RHS APPLICATIONS WITHDRAWN

CONVENTIONAL FHA VA FSA/RHS FILES CLOSED FOR INCOMPLETENESS

CONVENTIONAL FHA VA FSA/RHS

MEMO ITEM: SUBSET OF LOANS ORIGINATED

LOANS SOLD

CONVENTIONAL FHA VA FSA/RHS

Report Date: 05/24/2010 SUMMARY TABLE A4: DISPOSITION OF PREAPPROVALS FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY DWELLINGS (EXCLUDES Page 1 of 1 MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009

MSA/MD: 10500 - ALBANY, GA PREAPPROVALS RESULTING IN PREAPPROVALS APPROVED BUT PREAPPROVALS BORROWER OR CENSUS TRACT ORIGINATIONS NOT ACCEPTED 29/ DENIED CHARACTERISTICS # $000'S # $000'S # $000'S

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN IND/ALASKA NATIVE NA NA NA NA ASIAN NA NA NA NA BLACK OR AFRICAN AMERICAN 4 595 NA NA NA NA NAT HAWAIIAN/OTHER PACIFIC ISL NA NA NA NA WHITE 6 717 NA NA NA NA 2 OR MORE MINORITY RACES NA NA NA NA JOINT (WHITE/MINORITY RACE) NA NA NA NA RACE NOT AVAILABLE 6/ NA NA NA NA ETHNICITY 7/

HISPANIC OR LATINO NA NA NA NA NOT HISPANIC OR LATINO 9 1183 NA NA NA NA JOINT (HISPANIC OR LATINO/ NOT NA NA NA NA HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 129 NA NA NA NA MINORITY STATUS 8/

WHITE NON-HISPANIC 5 588 NA NA NA NA OTHERS, INCLUDING HISPANIC 4 595 NA NA NA NA INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN NA NA NA NA 50-79% OF MSA/MD MEDIAN NA NA NA NA 80-99% OF MSA/MD MEDIAN 2 172 NA NA NA NA 100-119% OF MSA/MD MEDIAN 2 138 NA NA NA NA 120% OR MORE OF MSA/MD MEDIAN 6 1002 NA NA NA NA INCOME NOT AVAILABLE 6/ NA NA NA NA GENDER 19/

MALE 5 414 NA NA NA NA FEMALE 3 579 NA NA NA NA JOINT (MALE/FEMALE) 2 319 NA NA NA NA GENDER NOT AVAILABLE 6/ NA NA NA NA

CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY NA NA NA NA 10-19% MINORITY 3 579 NA NA NA NA 20-49% MINORITY 7 733 NA NA NA NA 50-79% MINORITY NA NA NA NA 80-100% MINORITY NA NA NA NA INCOME CHARACTERISTICS 12/ 13/

LOW INCOME NA NA NA NA MODERATE INCOME 1 48 NA NA NA NA MIDDLE INCOME 1 69 NA NA NA NA UPPER INCOME 8 1195 NA NA NA NA

Report Date: 05/24/2010 SUMMARY TABLE B: LOAN PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, Page 1 of 1 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA STATUS SECTION REFLECTS ACTIVITY FOR THE FULL YEAR)

MSA/MD: 10500 - ALBANY, GA HOME PURCHASE REFINANCE HOME IMPROVEMENT PRICING INFORMATION FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN

1- TO 4-FAMILY OWNER OCCUPIED DWELLINGS (EXCLUDES MANUFACTURED HOMES)

INCIDENCE OF PRICING NO PRICING REPORTED 15/ 198 2 705 30 16 9 NA PRICING REPORTED 40 1 171 21 37 8 NA MEAN (POINTS ABOVE TREASURY: ONLY INCLUDE 5.57 5.04 5.88 6.45 6.13 5.93 NA LOANS WITH APR ABOVE THE THRESHOLD 16/) MEDIAN (POINTS ABOVE TREASURY: ONLY INCLUDE 5.46 5.04 6.30 6.32 6.22 5.62 NA LOANS WITH APR ABOVE THE THRESHOLD 16/)

HOEPA STATUS HOEPA LOAN 17/ NA NA 2 NA NOT HOEPA LOAN NA NA 1014 64 59 20 NA

MANUFACTURED HOME OWNER OCCUPIED DWELLINGS

INCIDENCE OF PRICING NO PRICING REPORTED 15/ 2 5 1 3 NA PRICING REPORTED 19 50 1 4 1 NA MEAN (POINTS ABOVE TREASURY: ONLY INCLUDE 6.57 6.53 7.86 6.79 7.97 NA LOANS WITH APR ABOVE THE THRESHOLD 16/) MEDIAN (POINTS ABOVE TREASURY: ONLY INCLUDE 6.51 6.86 7.86 6.62 7.97 NA LOANS WITH APR ABOVE THE THRESHOLD 16/)

HOEPA STATUS HOEPA LOAN 17/ NA NA NA NOT HOEPA LOAN NA NA 69 3 9 1 NA

Report Date: 05/24/2010

APPENDIX B

COMMUNITY SURVEY AND SURVEY RESULTS ALBANY, GA Con Plan Community Survey

1. COMMUNITY SURVEY - BACKGROUND INFORMATION

CITY OF ALBANY, GEORGIA CONSOLIDATED PLAN FOR HOUSING & COMMUNITY DEVELOPMENT

The Department of Community and Economic Development is in the process of preparing the Five-Year Consolidated Housing and Community Development Plan for the City of Albany. This Plan is required by the US Department of Housing and Urban Development (HUD) to distribute funds for the Community Development Block Grant (CDBG) and HOME Investment Partnerships programs. The Plan will describe the City’s housing and community development needs, strategies, and priorities.

This Plan affects neighborhoods and organizations across the City, and input from residents, city agencies and service organizations are vital to identifying needs and allocating resources. For this reason, we are asking individuals to complete this brief online survey as part of the planning process. You may respond from your home computer, or use a computer at the public library, a church, or a civic center. This will help us gather as much input as possible. It is important that we receive your input in order to prepare a complete and accurate plan that reflects our City's needs and priorities.

The results of the survey will be included in the Draft Plan, which will be available for public review and comment and discussed at public hearings in February 2011.

The survey should take about five minutes to complete.

Please check http://www.albany.ga.us for updates and information.

If you have any questions, concerns, or comments about the survey, please contact Thelma Watson at (229)483-7650 or by e-mail at [email protected].

Thank you for your assistance. We look forward to receiving your response.

1. To help us identify and meet City needs, please tell us which Ward you are from.

nmlkj WARD ONE

nmlkj WARD TWO

nmlkj WARD THREE

nmlkj WARD FOUR

nmlkj WARD FIVE

nmlkj WARD SIX

nmlkj UNCERTAIN - DON'T KNOW

Page 1 ALBANY, GA Con Plan Community Survey 2. How would you describe yourself?

nmlkj A Resident

nmlkj Service Agency or Organization Staff

nmlkj An Employee of City or County Government

nmlkj A Rental Housing Provider or Housing Developer

3. Please rank the most common housing problems our community faces using the choices below: Very Important Important Somewhat Important Not Important Not a Concern Homelessness nmlkj nmlkj nmlkj nmlkj nmlkj Availability of affordable nmlkj nmlkj nmlkj nmlkj nmlkj housing (owner and rental) Overcrowded conditions nmlkj nmlkj nmlkj nmlkj nmlkj

Unsafe or poor housing nmlkj nmlkj nmlkj nmlkj nmlkj

Code violations nmlkj nmlkj nmlkj nmlkj nmlkj Unsafe or poor nmlkj nmlkj nmlkj nmlkj nmlkj neighborhood conditions

Other (please specify)

Page 2 ALBANY, GA Con Plan Community Survey 4. Listed below are general types of activities addressed by various City programs. Please rank how important these activities are to your COMMUNITY by checking the appropriate button. SOMEWHAT VERY IMPORTANT IMPORTANT NOT IMPORTANT NOT NEEDED IMPORTANT Affordable Housing nmlkj nmlkj nmlkj nmlkj nmlkj

Economic Development nmlkj nmlkj nmlkj nmlkj nmlkj Infrastructure (Streets, nmlkj nmlkj nmlkj nmlkj nmlkj Sidewalks, Sewers) Public Facilities (Parks, nmlkj nmlkj nmlkj nmlkj nmlkj Community Centers) Community Services (Day nmlkj nmlkj nmlkj nmlkj nmlkj Care, Senior Programs, After School Programs) Homeless Assistance nmlkj nmlkj nmlkj nmlkj nmlkj

Eliminate Blight nmlkj nmlkj nmlkj nmlkj nmlkj

Health Services nmlkj nmlkj nmlkj nmlkj nmlkj

Crime Prevention nmlkj nmlkj nmlkj nmlkj nmlkj

Employment Training nmlkj nmlkj nmlkj nmlkj nmlkj

Housing Counseling nmlkj nmlkj nmlkj nmlkj nmlkj Substance Abuse nmlkj nmlkj nmlkj nmlkj nmlkj Treatment Child Care nmlkj nmlkj nmlkj nmlkj nmlkj Services for Persons with nmlkj nmlkj nmlkj nmlkj nmlkj Disabilities Planning nmlkj nmlkj nmlkj nmlkj nmlkj

Other (describe)

Page 3 ALBANY, GA Con Plan Community Survey 5. Listed below are general types of activities addressed by various Albany programs. Please rank how important these activities are to the LOW AND MODERATE INCOME PERSONS in your community by checking the appropriate button. SOMEWHAT VERY IMPORTANT IMPORTANT NOT IMPORTANT NOT NEEDED IMPORTANT Affordable Housing nmlkj nmlkj nmlkj nmlkj nmlkj

Eliminate Blight nmlkj nmlkj nmlkj nmlkj nmlkj

Health Services nmlkj nmlkj nmlkj nmlkj nmlkj

Crime Prevention nmlkj nmlkj nmlkj nmlkj nmlkj

Employment Training nmlkj nmlkj nmlkj nmlkj nmlkj

Other (describe)

Page 4 ALBANY, GA Con Plan Community Survey

2. SPECIFIC ACTIVITIES

Below please find a listing of various activities and program areas that meet HUD objectives. Please tell us how important each of the following is to you by checking the appropriate button. If you are not familiar with an activity or program, you do to have to respond to that item.

1. HOMEOWNERSHIP NEEDS Very Important Important Somewhat Important Not Important Not Needed Downpayment/closing nmlkj nmlkj nmlkj nmlkj nmlkj assistance Rehabilitation assistance nmlkj nmlkj nmlkj nmlkj nmlkj under $15,000 Rehabilitation assistance nmlkj nmlkj nmlkj nmlkj nmlkj over $15,000 Affordable new construction nmlkj nmlkj nmlkj nmlkj nmlkj Energy efficiency nmlkj nmlkj nmlkj nmlkj nmlkj improvements Modifications for persons nmlkj nmlkj nmlkj nmlkj nmlkj with disabilities Lead based paint nmlkj nmlkj nmlkj nmlkj nmlkj screening/abatement Green building fro new nmlkj nmlkj nmlkj nmlkj nmlkj construction Other homeownership nmlkj nmlkj nmlkj nmlkj nmlkj needs

Other (please specify)

Page 5 ALBANY, GA Con Plan Community Survey 2. AFFORDABLE RENTAL HOUSING NEEDS Very Important Important Somewhat Important Not Important Not Needed Rehabilitation assistance nmlkj nmlkj nmlkj nmlkj nmlkj under $15,000 Rehabilitation assistance nmlkj nmlkj nmlkj nmlkj nmlkj over $15,000 Affordable new construction nmlkj nmlkj nmlkj nmlkj nmlkj

Section 8 rental assistance nmlkj nmlkj nmlkj nmlkj nmlkj Preservation of existing nmlkj nmlkj nmlkj nmlkj nmlkj affordable rental units Energy efficiency nmlkj nmlkj nmlkj nmlkj nmlkj improvements Lead based paint nmlkj nmlkj nmlkj nmlkj nmlkj screening/abatement Rental housing for the nmlkj nmlkj nmlkj nmlkj nmlkj elderly Rental housing for the nmlkj nmlkj nmlkj nmlkj nmlkj disabled Rental housing for single nmlkj nmlkj nmlkj nmlkj nmlkj persons Rental housing for small nmlkj nmlkj nmlkj nmlkj nmlkj families (2-4 persons) Rental housing for large nmlkj nmlkj nmlkj nmlkj nmlkj families (5 or more persons) Other needs for rental nmlkj nmlkj nmlkj nmlkj nmlkj housing

Other (please specify)

3. HOUSING FOR PERSONS WITH SPECIAL NEEDS Very Important Important Somewhat Important Not Important Not Needed Assisted living for the nmlkj nmlkj nmlkj nmlkj nmlkj elderly Housing for persons with nmlkj nmlkj nmlkj nmlkj nmlkj HIV/AIDS Housing for persons with nmlkj nmlkj nmlkj nmlkj nmlkj alcohol/drug addiction Housing for persons with nmlkj nmlkj nmlkj nmlkj nmlkj developmental disabilities Housing for persons with nmlkj nmlkj nmlkj nmlkj nmlkj mental illness Other needs for housing for nmlkj nmlkj nmlkj nmlkj nmlkj persons with special needs

Other (please specify)

Page 6 ALBANY, GA Con Plan Community Survey 4. ECONOMIC DEVELOPMENT Very Important Important Somewhat Important Not Important Not Needed Land (sites, nmlkj nmlkj nmlkj nmlkj nmlkj business/industrial parks, etc.) for business development Buildings for business nmlkj nmlkj nmlkj nmlkj nmlkj development Loan programs nmlkj nmlkj nmlkj nmlkj nmlkj

Job training programs nmlkj nmlkj nmlkj nmlkj nmlkj Technical assistance for nmlkj nmlkj nmlkj nmlkj nmlkj small businesses Downtown revitalization nmlkj nmlkj nmlkj nmlkj nmlkj

Job development/creation nmlkj nmlkj nmlkj nmlkj nmlkj

Retail development nmlkj nmlkj nmlkj nmlkj nmlkj

Small business loans nmlkj nmlkj nmlkj nmlkj nmlkj

Facade improvements nmlkj nmlkj nmlkj nmlkj nmlkj Lending for community nmlkj nmlkj nmlkj nmlkj nmlkj redevelopment

Other (please specify)

Page 7 ALBANY, GA Con Plan Community Survey 5. INFRASTRUCTURE Very Important Important Somewhat Important Not Important Not Needed Water and Sewer to support nmlkj nmlkj nmlkj nmlkj nmlkj business growth Water and sewer to support nmlkj nmlkj nmlkj nmlkj nmlkj affordable housing Improve existing water and nmlkj nmlkj nmlkj nmlkj nmlkj sewer lines Expand or improve sewer nmlkj nmlkj nmlkj nmlkj nmlkj treatment facilities Improve water supply and nmlkj nmlkj nmlkj nmlkj nmlkj treatment facilities Provide or improve fire nmlkj nmlkj nmlkj nmlkj nmlkj protection Improve nmlkj nmlkj nmlkj nmlkj nmlkj telecommunications for business and residents Improve nmlkj nmlkj nmlkj nmlkj nmlkj telecommunications for public services (public safety, education, health care) Improve streets or sidewalks nmlkj nmlkj nmlkj nmlkj nmlkj

Pave new roads nmlkj nmlkj nmlkj nmlkj nmlkj

Improve existing roads nmlkj nmlkj nmlkj nmlkj nmlkj Improve existing storm nmlkj nmlkj nmlkj nmlkj nmlkj drainage Construct new storm nmlkj nmlkj nmlkj nmlkj nmlkj drainage systems Street lighting nmlkj nmlkj nmlkj nmlkj nmlkj

Other (please specify)

Page 8 ALBANY, GA Con Plan Community Survey 6. COMMUNITY SERVICES FOR LOW & MOD INCOME PERSONS Very Important Important Somewhat Important Not Important Not Needed Childcare services nmlkj nmlkj nmlkj nmlkj nmlkj

Afterschool care nmlkj nmlkj nmlkj nmlkj nmlkj Youth nmlkj nmlkj nmlkj nmlkj nmlkj counseling/mentoring programs Senior Programs (meals-on- nmlkj nmlkj nmlkj nmlkj nmlkj wheels, in-home care) Adult daycare nmlkj nmlkj nmlkj nmlkj nmlkj

Physical health services nmlkj nmlkj nmlkj nmlkj nmlkj

Mental health services nmlkj nmlkj nmlkj nmlkj nmlkj Drug/alcohol rehabilitation nmlkj nmlkj nmlkj nmlkj nmlkj programs Prescription drug assistance nmlkj nmlkj nmlkj nmlkj nmlkj Domestic violence/child nmlkj nmlkj nmlkj nmlkj nmlkj abuse services Foodbanks/nutritional nmlkj nmlkj nmlkj nmlkj nmlkj support Prenatal services nmlkj nmlkj nmlkj nmlkj nmlkj

Job Training nmlkj nmlkj nmlkj nmlkj nmlkj

Employment Assistance nmlkj nmlkj nmlkj nmlkj nmlkj Financial nmlkj nmlkj nmlkj nmlkj nmlkj training/counseling Case management nmlkj nmlkj nmlkj nmlkj nmlkj

Fair housing services nmlkj nmlkj nmlkj nmlkj nmlkj

Public safety programs nmlkj nmlkj nmlkj nmlkj nmlkj Transportation to human nmlkj nmlkj nmlkj nmlkj nmlkj services or jobs/employment

Other (please specify)

Page 9 ALBANY, GA Con Plan Community Survey 7. PUBLIC FACILITIES FOR LOW & MOD NEIGHBORHOODS Very Important Important Somewhat Important Not Important Not Needed Public safety facilities (fire nmlkj nmlkj nmlkj nmlkj nmlkj stations, police substations, etc.) Health facilities nmlkj nmlkj nmlkj nmlkj nmlkj

Training center nmlkj nmlkj nmlkj nmlkj nmlkj

Libraries nmlkj nmlkj nmlkj nmlkj nmlkj

Community centers nmlkj nmlkj nmlkj nmlkj nmlkj

Childcare facilities nmlkj nmlkj nmlkj nmlkj nmlkj Senior Centers or adult nmlkj nmlkj nmlkj nmlkj nmlkj daycare centers Playgrounds and green nmlkj nmlkj nmlkj nmlkj nmlkj spaces Accessibility of public nmlkj nmlkj nmlkj nmlkj nmlkj buildings to the disabled Public transportation nmlkj nmlkj nmlkj nmlkj nmlkj Beautification/Enhanced nmlkj nmlkj nmlkj nmlkj nmlkj public space

Other (please specify)

Page 10 ALBANY, GA Con Plan Community Survey 8. HOMELESS NEEDS Very Important Important Somewhat Important Not Important Not Needed Homeless prevention nmlkj nmlkj nmlkj nmlkj nmlkj Emergency shelters for nmlkj nmlkj nmlkj nmlkj nmlkj families Emergency shelters for men nmlkj nmlkj nmlkj nmlkj nmlkj Emergency shelters for nmlkj nmlkj nmlkj nmlkj nmlkj women Transitional housing for nmlkj nmlkj nmlkj nmlkj nmlkj families Transitional housing for nmlkj nmlkj nmlkj nmlkj nmlkj men Transitional housing for nmlkj nmlkj nmlkj nmlkj nmlkj women Supportive services for nmlkj nmlkj nmlkj nmlkj nmlkj families Supportive services for men nmlkj nmlkj nmlkj nmlkj nmlkj Supportive services for nmlkj nmlkj nmlkj nmlkj nmlkj women Operation/Maintenance of nmlkj nmlkj nmlkj nmlkj nmlkj existing facilities Job training for the nmlkj nmlkj nmlkj nmlkj nmlkj homeless Case management nmlkj nmlkj nmlkj nmlkj nmlkj

Life skills training nmlkj nmlkj nmlkj nmlkj nmlkj

Substance abuse treatment nmlkj nmlkj nmlkj nmlkj nmlkj

Mental health care nmlkj nmlkj nmlkj nmlkj nmlkj

Physical health care nmlkj nmlkj nmlkj nmlkj nmlkj

Housing placement nmlkj nmlkj nmlkj nmlkj nmlkj Emergency financial nmlkj nmlkj nmlkj nmlkj nmlkj assistance

9. ELIMINATION OF BLIGHT Very Important Important Somewhat Important Not Important Not Needed Building code enforcement nmlkj nmlkj nmlkj nmlkj nmlkj Demolition of commercial nmlkj nmlkj nmlkj nmlkj nmlkj or industrial structures Demolition of residential nmlkj nmlkj nmlkj nmlkj nmlkj structures

Page 11 ALBANY, GA Con Plan Community Survey

3. FAIR HOUSING

Please respond to the following questions based upon your knowledge and experience.

1. How often do you believe housing discrimination is experienced in your community?

nmlkj Often

nmlkj Sometimes

nmlkj Rarely

nmlkj Never

nmlkj Don’t know

2. In the past two years, housing discrimination in your community:

nmlkj Has become less of a concern

nmlkj Has become more of a concern

nmlkj Is not a concern

3. How well do you feel that buyers and sellers understand fair housing rights?

nmlkj Well

nmlkj Moderately well

nmlkj Poorly

nmlkj Not at all

4. How well do you feel that real estate professionals in your community understand fair housing rights?

nmlkj Well

nmlkj Moderately well

nmlkj Poorly

nmlkj Not at all

Page 12 ALBANY, GA Con Plan Community Survey 5. How well do you feel that lenders in your community understand fair housing and fair lending laws?

nmlkj Well

nmlkj Moderately well

nmlkj Poorly

nmlkj Not at all

6. How well do you think that apartment owners and managers understand fair housing laws and regulations?

nmlkj Well

nmlkj Moderately Well

nmlkj Poorly

nmlkj Not at all

7. If residents experienced housing discrimination, do you think they would know where or how to report it?

nmlkj Yes

nmlkj No

nmlkj Don’t know

8. Does your community have a planning department?

nmlkj Yes

nmlkj No

nmlkj Don’t know

9. Has your community developed a zoning ordinance?

nmlkj Yes

nmlkj No

nmlkj Don’t know

Page 13 ALBANY, GA Con Plan Community Survey 10. Has your community examined its land use/zoning, building codes, or permitting process to identify administrative or regulatory barriers to fair, affordable or accessible housing?

nmlkj Yes

nmlkj No

nmlkj Underway or planned

nmlkj Don’t know

If Yes, when completed?

11. Has your community implemented any of the following to address barriers and encourage development of affordable housing:

gfedc Density bonus

gfedc Site or building design flexibility

gfedc Alternative building methods

gfedc or materials

gfedc Streamlined permitting

gfedc Fee reductions

Other (please describe)

12. Has your community amended its zoning regulations to allow any of the above?

nmlkj Yes

nmlkj No

nmlkj Not applicable – no zoning

nmlkj Don’t know

Page 14 ALBANY, GA Con Plan Community Survey SPANISH

1. ENCUESTA COMUNITARIA – INFORMACIÓN DE ANTECEDENTES

CITY OF ALBANY, GEORGIA CONSOLIDATED PLAN FOR HOUSING & COMMUNITY DEVELOPMENT ENCUESTA DEL PLAN COMUNITARIO CONSOLIDADO)

El Departamento de la Comunidad y Desarrollo Económico está en el proceso de preparación del Plan quinquenal (Cada cinco años) Consolidado de Vivienda y Desarrollo Comunitario de la ciudad e Albany. Este plan es requerido por el Departamento de Vivienda y Desarrollo Urbano de los Estados Unidos (HUD por su sigla en ingles) para distribuir recursos para el Desarrollo Comunitario y Subvenciones en Bloque (CDBG por su sigla en ingles) y para los programas de las asociaciones de inversión en vivienda. El plan describirá las necesidades, estrategias y prioridades de la ciudad en desarrollo comunitario y vivienda.

Este Plan afecta las organizaciones y vecindarios de toda la ciudad, y conocer los ingresos de los residentes, las agencias municipales y las organizaciones de servicios es vital para identificar las necesidades y la asignación de recursos. Por esta razón, estamos solicitando a los individuos que completen esta breve encuesta en línea como parte del proceso de planeación. Usted podrá responder desde su computadora casera, usando una computadora en una biblioteca pública, una iglesia o un centro cívico. Esto nos ayudara a reunir cuantos ingresos sea posible. Es importante que recibamos sus ingresos para preparar un plan preciso y completo que refleje las necesidades y prioridades de nuestra ciudad.

Los resultados de esta encuesta serán incluidos en el proyecto de plan, el cual estará disponible para su revisión, comentarios y discusión en una foro público a celebrarse en febrero de 2011.

Por favor visite http://www.albany.ga.us, para actualizaciones e información adicional.

La encuesta solo toma cerca de 5 minutos para ser completada.

Si tiene algunas preguntas, inquietudes o comentarios acerca de la encuesta, por favor contacte a Thelma Watson al número telefónico (229) 483-7650, o vía e mail a [email protected].

Agradecemos su asistencia. Esperamos con interés recibir sus respuestas.

1. Para ayudarnos a identificar y conocer las necesidades de la ciudad, por favor indíquenos de que distrito es usted:

nmlkj DISTRITO UNO

nmlkj DISTRITO DOS

nmlkj DISTRITO TRES

nmlkj DISTRITO CUATRO

nmlkj DISTRITO CINCO

nmlkj DISTRITO SEIS

nmlkj INCIERTO-NO LO SABE

Page 1 ALBANY, GA Con Plan Community Survey SPANISH 2. Como se definiría usted mismo?

nmlkj Un residente

nmlkj Un miembro de agencia de servicios u organización

nmlkj Un empleado del gobierno de la ciudad o el condado

nmlkj Un proveedor de vivienda de alquiler o impulsor de vivienda

3. Por favor clasifique los problemas más comunes de vivienda que nuestra comunidad enfrenta utilizando las opciones a que aparecen a continuación no es una muy importante importante algo importante no es importante preocupación Falta de Vivienda: nmlkj nmlkj nmlkj nmlkj nmlkj Disponibilidad de nmlkj nmlkj nmlkj nmlkj nmlkj asequibilidad económica: Vivienda (Propiedad y nmlkj nmlkj nmlkj nmlkj nmlkj Alquiler): Condiciones de nmlkj nmlkj nmlkj nmlkj nmlkj sobrepoblación o hacinamiento: Vivienda Insegura o Pobre nmlkj nmlkj nmlkj nmlkj nmlkj

Violaciones al Código nmlkj nmlkj nmlkj nmlkj nmlkj Condiciones de nmlkj nmlkj nmlkj nmlkj nmlkj inseguridad o Pobreza de los vecindarios

Otras (Por favor especifique)

Page 2 ALBANY, GA Con Plan Community Survey SPANISH 4. Listados a continuación encontrara tipos generales de actividades dirigidas por varios programas de ciudad. Por favor establezca que tan importantes son dichas actividades para su comunidad seleccionando el botón adecuado. muy importante importante algo importante no es importante no es necesaria Vivienda Asequible nmlkj nmlkj nmlkj nmlkj nmlkj Económicamente Desarrollo económico nmlkj nmlkj nmlkj nmlkj nmlkj

Instalaciones Públicas nmlkj nmlkj nmlkj nmlkj nmlkj Infraestructura (calles, nmlkj nmlkj nmlkj nmlkj nmlkj andenes, alcantarillado) Servicios comunitarios nmlkj nmlkj nmlkj nmlkj nmlkj (Guarderías, Programas para adultos mayores, programas extra clases) Asistencia al desamparado nmlkj nmlkj nmlkj nmlkj nmlkj

Eliminación del deterioro nmlkj nmlkj nmlkj nmlkj nmlkj

Servicios de Salud nmlkj nmlkj nmlkj nmlkj nmlkj

Prevención del Crimen nmlkj nmlkj nmlkj nmlkj nmlkj

Formación para el empleo nmlkj nmlkj nmlkj nmlkj nmlkj

Asesoría en vivienda nmlkj nmlkj nmlkj nmlkj nmlkj Tratamiento para el abuso nmlkj nmlkj nmlkj nmlkj nmlkj de substancias Cuidado de niños nmlkj nmlkj nmlkj nmlkj nmlkj Servicios para personas con nmlkj nmlkj nmlkj nmlkj nmlkj discapacidades Planificación nmlkj nmlkj nmlkj nmlkj nmlkj

Otras (describa).

Page 3 ALBANY, GA Con Plan Community Survey SPANISH 5. Listados a continuación encontrara tipos generales de actividades dirigidas por varios programas de Albany. Por favor establezca que tan importantes son dichas actividades para su comunidad marcando el espacio adecuado. Por favor establezca que tan importantes son dichos programas para las personas en su comunidad que tienen recursos bajos o moderados seleccionando el botón adecuado. muy importante importante algo importante no es importante no es necesaria Vivienda Asequible nmlkj nmlkj nmlkj nmlkj nmlkj Económicamente Desarrollo económico nmlkj nmlkj nmlkj nmlkj nmlkj Infraestructura (calles, nmlkj nmlkj nmlkj nmlkj nmlkj andenes, alcantarillado) Instalaciones Públicas nmlkj nmlkj nmlkj nmlkj nmlkj (Parques, centros comunitarios) Servicios comunitarios nmlkj nmlkj nmlkj nmlkj nmlkj (Guarderías, Programas para adultos mayores, programas extra clases) Asistencia al desamparado nmlkj nmlkj nmlkj nmlkj nmlkj

Eliminación de Plagas nmlkj nmlkj nmlkj nmlkj nmlkj

Servicios de Salud nmlkj nmlkj nmlkj nmlkj nmlkj

Prevención del Crimen nmlkj nmlkj nmlkj nmlkj nmlkj

Formación para el empleo nmlkj nmlkj nmlkj nmlkj nmlkj

Otras (describa).

Page 4 ALBANY, GA Con Plan Community Survey SPANISH

2. ACTIVIDADES ESPECIFICAS

POR FAVOR ENCUENTRE A CONTINUACIÓN UN LISTADO DE ACTIVIDADES Y AREAS DE PROGRAMAS QUE CONCUERDAN CON OBJETIVOS DEL DEPARTAMENTO DE DESARROLLO URBANO Y DE VIVIENDA DE LOS ESTADOS UNIDOS. (HUD POR SU SIGLA EN INGLES). POR FAVOR DIGANOS QUE TAN IMPORTANTES SON PARA USTED CADA UNO DE ELLOS SELECCIONANDO EL BOTÓN ADECUADO. SI USTED NO ESTA FAMILIARIZADO CON ALGUNA ACTIVIDAD O PROGRAMA NO TENDRÁ QUE RESPONDER A ESE ÍTEM.

1. Necesidades de propietarios de vivienda muy importante importante algo importante no es importante no es necesaria Asistencia en cuotas nmlkj nmlkj nmlkj nmlkj nmlkj iniciales y cierres Asistencia en nmlkj nmlkj nmlkj nmlkj nmlkj Rehabilitación por debajo de USD 15.000 Asistencia en nmlkj nmlkj nmlkj nmlkj nmlkj Rehabilitación por encima de USD 15.000 Nueva construcción nmlkj nmlkj nmlkj nmlkj nmlkj asequibles económicamente Mejoras en eficiencia nmlkj nmlkj nmlkj nmlkj nmlkj energética Modificaciones para nmlkj nmlkj nmlkj nmlkj nmlkj personas con discapacidades Detección y eliminación de nmlkj nmlkj nmlkj nmlkj nmlkj pinturas a base de plomo Edificación ecológica para nmlkj nmlkj nmlkj nmlkj nmlkj nueva construcción Otras necesidades del nmlkj nmlkj nmlkj nmlkj nmlkj propietario de vivienda

Otra (Por favor especifique)

Page 5 ALBANY, GA Con Plan Community Survey SPANISH 2. Necesidades Para Vivienda de alquiler asequible económicamente: muy importante importante algo importante no es importante no es necesaria Asistencia en nmlkj nmlkj nmlkj nmlkj nmlkj Rehabilitación por debajo de USD 15.000 Asistencia en nmlkj nmlkj nmlkj nmlkj nmlkj Rehabilitación por encima de USD 15.000 Nueva construcción nmlkj nmlkj nmlkj nmlkj nmlkj asequibles económicamente Sección 8: Asistencia para nmlkj nmlkj nmlkj nmlkj nmlkj arrendamiento Preservación de unidades nmlkj nmlkj nmlkj nmlkj nmlkj existentes asequibles para alquiler Mejoras en eficiencia nmlkj nmlkj nmlkj nmlkj nmlkj energética Detección y eliminación de nmlkj nmlkj nmlkj nmlkj nmlkj pinturas a base de plomo Alquiler de Vivienda para nmlkj nmlkj nmlkj nmlkj nmlkj adultos mayores Alquiler de vivienda para nmlkj nmlkj nmlkj nmlkj nmlkj Personas con discapacidades Alquiler de vivienda para nmlkj nmlkj nmlkj nmlkj nmlkj personas solteras Alquiler de vivienda para nmlkj nmlkj nmlkj nmlkj nmlkj familias pequeñas (2 a 4 Personas) Alquiler de Vivienda para nmlkj nmlkj nmlkj nmlkj nmlkj familias grandes (más de 5 personas) Otras necesidades para nmlkj nmlkj nmlkj nmlkj nmlkj viviendas de alquiler

Otra (por favor especifique)

Page 6 ALBANY, GA Con Plan Community Survey SPANISH 3. VIVIENDA PARA PERSONAS CON NECESIDADES EPECIALES muy importante importante algo importante no es importante no es necesaria Vivienda asistida para el nmlkj nmlkj nmlkj nmlkj nmlkj adulto mayor Vivienda para personas con nmlkj nmlkj nmlkj nmlkj nmlkj VHI/SIDA Vivienda para personas con nmlkj nmlkj nmlkj nmlkj nmlkj adicción al alcohol o las drogas Vivienda para personas con nmlkj nmlkj nmlkj nmlkj nmlkj discapacidades de desarrollo Vivienda para personas con nmlkj nmlkj nmlkj nmlkj nmlkj enfermedades mentales Otras necesidades en nmlkj nmlkj nmlkj nmlkj nmlkj vivienda para personas con necesidades especiales

Otra (por favor especifique)

4. Desarrollo Económico muy importante importante algo importante no es importante no es necesaria Tierra (sitios, parques de nmlkj nmlkj nmlkj nmlkj nmlkj negocios o industriales,etc) para desarrollo de negocios Edificaciones para nmlkj nmlkj nmlkj nmlkj nmlkj desarrollo de negocios Programas de préstamo nmlkj nmlkj nmlkj nmlkj nmlkj Programas de capacitación nmlkj nmlkj nmlkj nmlkj nmlkj laboral Recuperación de zonas nmlkj nmlkj nmlkj nmlkj nmlkj céntricas Creación y desarrollo de nmlkj nmlkj nmlkj nmlkj nmlkj trabajo Desarrollo comercial nmlkj nmlkj nmlkj nmlkj nmlkj Prestamos para la pequeña nmlkj nmlkj nmlkj nmlkj nmlkj empresa Mejoramiento de fachadas nmlkj nmlkj nmlkj nmlkj nmlkj Prestamos para nmlkj nmlkj nmlkj nmlkj nmlkj reurbanización comunitaria

Otra (por favor especifique)

Page 7 ALBANY, GA Con Plan Community Survey SPANISH 5. Infraestructura muy importante importante algo importante no es importante no es necesaria. Acueducto y alcantarillado nmlkj nmlkj nmlkj nmlkj nmlkj para apoyar el crecimiento empresarial Acueducto y alcantarillado nmlkj nmlkj nmlkj nmlkj nmlkj para apoyar la vivienda asequible económicamente Mejoramiento de tuberías nmlkj nmlkj nmlkj nmlkj nmlkj de Acueducto y alcantarillado existentes Ampliación o nmlkj nmlkj nmlkj nmlkj nmlkj mejoramiento de instalaciones de tratamiento de alcantarillado Mejoramiento de servicio nmlkj nmlkj nmlkj nmlkj nmlkj de acueducto e instalaciones de tratamiento Provisión o mejoramiento nmlkj nmlkj nmlkj nmlkj nmlkj de protección de incendios Mejoramiento de nmlkj nmlkj nmlkj nmlkj nmlkj telecomunicaciones para empresas y residentes Mejoramiento de nmlkj nmlkj nmlkj nmlkj nmlkj telecomunicaciones en servicios públicos (Seguridad pública, educación y cuidado de la salud) Mejoramiento de calles o nmlkj nmlkj nmlkj nmlkj nmlkj aceras Pavimentación de nuevos nmlkj nmlkj nmlkj nmlkj nmlkj caminos Mejoramiento de caminos nmlkj nmlkj nmlkj nmlkj nmlkj existentes Mejoramiento de drenajes nmlkj nmlkj nmlkj nmlkj nmlkj para tormentas existentes Construcción de nuevos nmlkj nmlkj nmlkj nmlkj nmlkj sistemas de drenajes para tormentas Alumbrado de calles nmlkj nmlkj nmlkj nmlkj nmlkj

Otra (por favor especifique)

Page 8 ALBANY, GA Con Plan Community Survey SPANISH 6. SERVICIOS COMUNITARIOS PARA PERSONAS CON INGRESOS BAJOS Y MODERADOS muy importante importante algo importante no es importante no es necesaria. Servicios para el cuidado nmlkj nmlkj nmlkj nmlkj nmlkj de los niños Cuidado para después de nmlkj nmlkj nmlkj nmlkj nmlkj la escuela Programas de tutoría y nmlkj nmlkj nmlkj nmlkj nmlkj asesoramiento a la juventud Programas para el adulto nmlkj nmlkj nmlkj nmlkj nmlkj mayor (comida en ruedas y cuidado casero) Guardería para adultos nmlkj nmlkj nmlkj nmlkj nmlkj

Servicios de salud física nmlkj nmlkj nmlkj nmlkj nmlkj

Servicios de salud mental nmlkj nmlkj nmlkj nmlkj nmlkj Programas de nmlkj nmlkj nmlkj nmlkj nmlkj rehabilitación para el alcoholismo y la drogadicción Asistencia en prescripción nmlkj nmlkj nmlkj nmlkj nmlkj de medicamentos Servicios para la violencia nmlkj nmlkj nmlkj nmlkj nmlkj domestica y el abuso infantil Banco de alimentos y nmlkj nmlkj nmlkj nmlkj nmlkj apoyo nutricional Servicios prenatales nmlkj nmlkj nmlkj nmlkj nmlkj

Capacitación Laboral nmlkj nmlkj nmlkj nmlkj nmlkj

Asistencia para el empleo nmlkj nmlkj nmlkj nmlkj nmlkj Capacitación y consultoría nmlkj nmlkj nmlkj nmlkj nmlkj financiera Manejo de Casos nmlkj nmlkj nmlkj nmlkj nmlkj

Servicios de Vivienda Justa nmlkj nmlkj nmlkj nmlkj nmlkj Programas de seguridad nmlkj nmlkj nmlkj nmlkj nmlkj pública Transporte para servicios nmlkj nmlkj nmlkj nmlkj nmlkj humanos, trabajo y empleo

Otra (por favor especifique)

Page 9 ALBANY, GA Con Plan Community Survey SPANISH 7. Instalaciones públicas para vecindarios bajos y moderados muy importante importante algo importante no es importante no es necesaria. Instalaciones de seguridad nmlkj nmlkj nmlkj nmlkj nmlkj pública (Estaciones de Bomberos, subestaciones de policía etc) Instalaciones de Salud nmlkj nmlkj nmlkj nmlkj nmlkj

Centros de entrenamiento nmlkj nmlkj nmlkj nmlkj nmlkj

Bibliotecas nmlkj nmlkj nmlkj nmlkj nmlkj

Centros comunitarios nmlkj nmlkj nmlkj nmlkj nmlkj Instalaciones para el nmlkj nmlkj nmlkj nmlkj nmlkj cuidado de los niños Centros para el adulto nmlkj nmlkj nmlkj nmlkj nmlkj mayor o guarderías para adultos Campos de juego y zonas nmlkj nmlkj nmlkj nmlkj nmlkj verdes Asequibilidad a edificios nmlkj nmlkj nmlkj nmlkj nmlkj públicos de discapacitados Transporte Público nmlkj nmlkj nmlkj nmlkj nmlkj Embellecimiento y nmlkj nmlkj nmlkj nmlkj nmlkj mejoramiento del espacio público

Otra (por favor especifique)

Page 10 ALBANY, GA Con Plan Community Survey SPANISH 8. Necesidades de personas sin hogar muy importante importante algo importante no es importante no es necesaria. Prevención de la nmlkj nmlkj nmlkj nmlkj nmlkj mendicidad Refugios de emergencia nmlkj nmlkj nmlkj nmlkj nmlkj para familias Refugios de emergencia nmlkj nmlkj nmlkj nmlkj nmlkj para hombres Refugios de emergencia nmlkj nmlkj nmlkj nmlkj nmlkj para mujeres Hogares de transición para nmlkj nmlkj nmlkj nmlkj nmlkj familias Hogares de transición para nmlkj nmlkj nmlkj nmlkj nmlkj hombres Hogares de transición para nmlkj nmlkj nmlkj nmlkj nmlkj mujeres Servicios de apoyo a la nmlkj nmlkj nmlkj nmlkj nmlkj familia Servicios de apoyo al nmlkj nmlkj nmlkj nmlkj nmlkj hombre Servicio de apoyo a la nmlkj nmlkj nmlkj nmlkj nmlkj mujer Mantenimiento y operación nmlkj nmlkj nmlkj nmlkj nmlkj de instalaciones existentes Capacitación laboral para nmlkj nmlkj nmlkj nmlkj nmlkj Personas sin hogar Manejo de casos nmlkj nmlkj nmlkj nmlkj nmlkj Entrenamiento en nmlkj nmlkj nmlkj nmlkj nmlkj habilidades para la vida Tratamiento para el abuso nmlkj nmlkj nmlkj nmlkj nmlkj de sustancias Cuidado de la salud nmlkj nmlkj nmlkj nmlkj nmlkj mental Cuidado de la salud física nmlkj nmlkj nmlkj nmlkj nmlkj

Ubicación de Vivienda nmlkj nmlkj nmlkj nmlkj nmlkj Asistencia financiera de nmlkj nmlkj nmlkj nmlkj nmlkj emergencia

Otro (especifique)

9. Eliminación del deterioro muy importante importante algo importante no es importante no es necesaria Aplicación del código de nmlkj nmlkj nmlkj nmlkj nmlkj construcción Demolición de estructuras nmlkj nmlkj nmlkj nmlkj nmlkj comerciales o industriales Demolición de estructuras nmlkj nmlkj nmlkj nmlkj nmlkj residenciales

Otro (especifique)

Page 11 ALBANY, GA Con Plan Community Survey SPANISH

3. VIVIENDA JUSTA

POR FAVOR RESPONDA A LAS SIGUIENTES PREGUNTAS BASÁNDOSE EN SU PROPIO CONOCIMIENTO Y EXPERIENCIA.

1. Con que frecuencia cree que la discriminación de vivienda se da en su comunidad

nmlkj Frecuentemente

nmlkj Algunas veces

nmlkj Rara vez

nmlkj Nunca

nmlkj No lo sabe

2. En los últimos dos años la discriminación de vivienda en su comunidad

nmlkj Se ha convertido en una preocupación menor

nmlkj Se ha convertido en una preocupación mayor

nmlkj No es una preocupación

3. Que tan bien percibe usted que los compradores y vendedores comprenden los derechos de vivienda justa.

nmlkj Bien

nmlkj Moderadamente Bien

nmlkj Pobremente

nmlkj Nada en lo absoluto

4. Que tan bien percibe usted que los profesionales de bienes raíces de su comunidad comprenden los derechos de vivienda justa.

nmlkj Bien

nmlkj Moderadamente Bien

nmlkj Pobremente

nmlkj Nada en lo absoluto

Page 12 ALBANY, GA Con Plan Community Survey SPANISH 5. Que tan bien percibe usted que los prestamistas en su comunidad comprenden las leyes de vivienda justa y crédito justo

nmlkj Bien

nmlkj Moderadamente Bien

nmlkj Pobremente

nmlkj Nada en lo absoluto

6. Que tan bien piensa usted que los dueños y administradores de apartamentos comprenden las normas y regulaciones de vivienda justa.

nmlkj Bien

nmlkj Moderadamente Bien

nmlkj Pobremente

nmlkj Nada en lo absoluto

7. Si los residentes experimentan discriminación de vivienda, piensa usted que saben dónde o como reportarlo?

nmlkj SI

nmlkj NO

nmlkj NO LO SABE

8. Tiene su comunidad un departamento de planeación?

nmlkj SI

nmlkj NO

nmlkj NO LO SABE

9. Su comunidad ha desarrollado una ordenanza de zonificación?

nmlkj SI

nmlkj NO

nmlkj NO LO SABE

Page 13 ALBANY, GA Con Plan Community Survey SPANISH 10. Su comunidad ha examinado su zonificación/uso de terrenso, códigos de construcción, o ha permitido un proceso para identificar administrativa o regulatoriamente barreras para la vivienda justa o asequible económicamente?

nmlkj SI

nmlkj NO

nmlkj SE ENCUENTRA EN MARCHA O SE PLANEO

nmlkj NO LO SABE

11. Su comunidad ha implementado alguna de las siguientes barreras dirigidas y fomentado el desarrollo de vivienda asequible económicamente:

gfedc Bonos de densidad

gfedc Flexibilización de sitios de edificación o diseños

gfedc Métodos alternativos de edificación

gfedc O materiales

gfedc Simplificación de autorizaciones

gfedc Reducción de tarifas

Otras (Por Favor Describa)

12. Su comunidad ha modificado sus regulaciones de zonificación para permitir alguna de las anteriores

nmlkj SI

nmlkj NO

nmlkj NO LO SABE

Page 14 ALBANY, GA Con Plan Community Survey

1. To help us identify and meet City needs, please tell us which Ward you are from.

Response Response

Percent Count

WARD ONE 5.9% 17

WARD TWO 11.4% 33

WARD THREE 8.3% 24

WARD FOUR 11.4% 33

WARD FIVE 10.3% 30

WARD SIX 5.5% 16

UNCERTAIN - DON'T KNOW 47.2% 137

answered question 290

skipped question 24

2. How would you describe yourself?

Response Response

Percent Count

A Resident 56.9% 173

Service Agency or Organization 16.1% 49 Staff

An Employee of City or County 23.0% 70 Government

A Rental Housing Provider or 3.9% 12 Housing Developer

answered question 304

skipped question 10

1 of 18 3. Please rank the most common housing problems our community faces using the choices below:

Very Somewhat Not Not a Response Important Important Important Important Concern Count

Homelessness 63.7% (193) 25.1% (76) 8.6% (26) 1.7% (5) 1.0% (3) 303

Availability of affordable housing 61.8% (188) 26.3% (80) 9.5% (29) 0.3% (1) 2.0% (6) 304 (owner and rental)

Overcrowded conditions 32.9% (98) 29.5% (88) 24.5% (73) 8.1% (24) 5.0% (15) 298

Unsafe or poor housing 65.1% (196) 25.6% (77) 7.0% (21) 1.0% (3) 1.3% (4) 301

Code violations 48.5% (145) 34.4% (103) 15.1% (45) 1.3% (4) 0.7% (2) 299

Unsafe or poor neighborhood 75.9% (227) 19.1% (57) 4.3% (13) 0.3% (1) 0.3% (1) 299 conditions

Other (please specify) 22

answered question 307

skipped question 7

2 of 18 4. Listed below are general types of activities addressed by various City programs. Please rank how important these activities are to your COMMUNITY by checking the appropriate button.

VERY SOMEWHAT NOT NOT Response IMPORTANT IMPORTANT IMPORTANT IMPORTANT NEEDED Count

Affordable Housing 69.6% (213) 23.5% (72) 4.9% (15) 1.0% (3) 1.0% (3) 306

Economic Development 68.5% (209) 27.9% (85) 3.6% (11) 0.0% (0) 0.0% (0) 305

Infrastructure (Streets, Sidewalks, 53.4% (163) 34.4% (105) 11.1% (34) 1.0% (3) 0.0% (0) 305 Sewers)

Public Facilities (Parks, Community 40.7% (121) 39.4% (117) 17.8% (53) 1.7% (5) 0.3% (1) 297 Centers)

Community Services (Day Care, Senior Programs, After School 53.8% (164) 33.1% (101) 10.2% (31) 2.6% (8) 0.3% (1) 305 Programs)

Homeless Assistance 50.3% (153) 37.2% (113) 8.9% (27) 2.0% (6) 1.6% (5) 304

Eliminate Blight 47.6% (140) 37.4% (110) 11.2% (33) 1.0% (3) 2.7% (8) 294

Health Services 60.9% (184) 30.8% (93) 7.0% (21) 1.0% (3) 0.3% (1) 302

Crime Prevention 79.0% (241) 17.0% (52) 3.6% (11) 0.3% (1) 0.0% (0) 305

Employment Training 56.1% (170) 31.0% (94) 10.6% (32) 2.0% (6) 0.3% (1) 303

Housing Counseling 39.8% (121) 34.5% (105) 20.1% (61) 4.6% (14) 1.0% (3) 304

Substance Abuse Treatment 51.3% (156) 32.9% (100) 12.5% (38) 2.3% (7) 1.0% (3) 304

Child Care 53.3% (162) 30.9% (94) 12.8% (39) 2.3% (7) 0.7% (2) 304

Services for Persons with 56.1% (171) 33.4% (102) 8.9% (27) 0.7% (2) 1.0% (3) 305 Disabilities

Planning 46.6% (138) 40.2% (119) 10.8% (32) 2.0% (6) 0.3% (1) 296

Other (describe) 10

answered question 309

skipped question 5

3 of 18 5. Listed below are general types of activities addressed by various Albany programs. Please rank how important these activities are to the LOW AND MODERATE INCOME PERSONS in your community by checking the appropriate button.

VERY SOMEWHAT NOT NOT Response IMPORTANT IMPORTANT IMPORTANT IMPORTANT NEEDED Count

Affordable Housing 77.3% (228) 17.3% (51) 4.4% (13) 0.0% (0) 1.0% (3) 295

Economic Development 57.9% (168) 26.9% (78) 11.7% (34) 2.8% (8) 0.7% (2) 290

Infrastructure (Streets, Sidewalks, 43.6% (126) 31.8% (92) 17.6% (51) 5.9% (17) 1.0% (3) 289 Sewers)

Public Facilities (Parks, Community 38.9% (112) 33.3% (96) 21.2% (61) 5.9% (17) 0.7% (2) 288 Centers)

Community Services (Day Care, Senior Programs, After School 55.5% (161) 32.8% (95) 7.2% (21) 3.1% (9) 1.4% (4) 290 Programs)

Homeless Assistance 59.2% (171) 30.4% (88) 6.9% (20) 2.4% (7) 1.0% (3) 289

Eliminate Blight 42.9% (124) 29.4% (85) 19.0% (55) 5.9% (17) 2.8% (8) 289

Health Services 66.1% (193) 24.3% (71) 7.2% (21) 1.4% (4) 1.0% (3) 292

Crime Prevention 70.4% (205) 22.3% (65) 5.2% (15) 1.4% (4) 0.7% (2) 291

Employment Training 57.7% (168) 29.2% (85) 9.6% (28) 2.4% (7) 1.0% (3) 291

Housing Counseling 50.7% (145) 29.7% (85) 16.1% (46) 2.4% (7) 1.0% (3) 286

Substance Abuse Treatment 55.0% (160) 31.6% (92) 9.3% (27) 3.1% (9) 1.0% (3) 291

Child Care 60.8% (177) 27.5% (80) 8.6% (25) 2.1% (6) 1.0% (3) 291

Services for Persons with 55.0% (159) 31.8% (92) 10.0% (29) 1.7% (5) 1.4% (4) 289 Disabilities

Planning 44.4% (124) 30.5% (85) 16.5% (46) 7.5% (21) 1.1% (3) 279

Other (describe) 8

answered question 296

skipped question 18

4 of 18 6. HOMEOWNERSHIP NEEDS

Very Somewhat Not Not Response Important Important Important Important Needed Count

Downpayment/closing assistance 57.0% (151) 27.9% (74) 6.8% (18) 3.8% (10) 4.5% (12) 265

Rehabilitation assistance under 48.2% (124) 32.3% (83) 10.9% (28) 5.4% (14) 3.1% (8) 257 $15,000

Rehabilitation assistance over 41.8% (105) 32.3% (81) 14.7% (37) 7.2% (18) 4.0% (10) 251 $15,000

Affordable new construction 54.2% (143) 27.3% (72) 11.0% (29) 3.8% (10) 3.8% (10) 264

Energy efficiency improvements 60.8% (161) 28.7% (76) 7.5% (20) 1.1% (3) 1.9% (5) 265

Modifications for persons with 57.7% (153) 29.1% (77) 9.4% (25) 1.1% (3) 2.6% (7) 265 disabilities

Lead based paint 50.8% (133) 29.4% (77) 12.2% (32) 4.6% (12) 3.1% (8) 262 screening/abatement

Green building fro new construction 35.4% (90) 35.4% (90) 18.5% (47) 5.9% (15) 4.7% (12) 254

Other homeownership needs 48.0% (117) 30.7% (75) 13.5% (33) 5.3% (13) 2.5% (6) 244

Other (please specify) 7

answered question 271

skipped question 43

5 of 18 7. AFFORDABLE RENTAL HOUSING NEEDS

Very Somewhat Not Not Response Important Important Important Important Needed Count

Rehabilitation assistance under 48.6% (124) 34.5% (88) 10.2% (26) 3.5% (9) 3.1% (8) 255 $15,000

Rehabilitation assistance over 40.5% (102) 37.7% (95) 13.1% (33) 4.4% (11) 4.4% (11) 252 $15,000

Affordable new construction 46.4% (121) 35.6% (93) 11.1% (29) 4.2% (11) 2.7% (7) 261

Section 8 rental assistance 49.2% (125) 34.3% (87) 9.8% (25) 3.5% (9) 3.1% (8) 254

Preservation of existing affordable 52.7% (138) 37.8% (99) 7.3% (19) 0.4% (1) 1.9% (5) 262 rental units

Energy efficiency improvements 61.0% (161) 29.2% (77) 6.4% (17) 0.8% (2) 2.7% (7) 264

Lead based paint 49.0% (128) 34.5% (90) 9.2% (24) 4.6% (12) 2.7% (7) 261 screening/abatement

Rental housing for the elderly 69.8% (187) 23.1% (62) 4.5% (12) 0.7% (2) 1.9% (5) 268

Rental housing for the disabled 67.7% (180) 25.9% (69) 4.1% (11) 0.4% (1) 1.9% (5) 266

Rental housing for single persons 48.3% (128) 35.1% (93) 10.6% (28) 3.8% (10) 2.3% (6) 265

Rental housing for small families 55.6% (148) 33.1% (88) 7.9% (21) 1.1% (3) 2.3% (6) 266 (2-4 persons)

Rental housing for large families (5 54.2% (143) 33.7% (89) 8.0% (21) 1.9% (5) 2.3% (6) 264 or more persons)

Other needs for rental housing 45.9% (107) 33.5% (78) 13.7% (32) 3.0% (7) 3.9% (9) 233

Other (please specify) 8

answered question 270

skipped question 44

6 of 18 8. HOUSING FOR PERSONS WITH SPECIAL NEEDS

Very Somewhat Not Not Response Important Important Important Important Needed Count

Assisted living for the elderly 77.3% (204) 18.2% (48) 2.7% (7) 0.0% (0) 1.9% (5) 264

Housing for persons with HIV/AIDS 57.5% (150) 25.3% (66) 13.8% (36) 0.8% (2) 2.7% (7) 261

Housing for persons with 52.3% (136) 28.1% (73) 14.6% (38) 2.3% (6) 2.7% (7) 260 alcohol/drug addiction

Housing for persons with 66.2% (174) 25.1% (66) 6.1% (16) 0.4% (1) 2.3% (6) 263 developmental disabilities

Housing for persons with mental 65.4% (172) 25.1% (66) 6.1% (16) 1.1% (3) 2.3% (6) 263 illness

Other needs for housing for 61.2% (145) 28.7% (68) 7.2% (17) 1.3% (3) 1.7% (4) 237 persons with special needs

Other (please specify) 6

answered question 264

skipped question 50

7 of 18 9. ECONOMIC DEVELOPMENT

Very Somewhat Not Not Response Important Important Important Important Needed Count

Land (sites, business/industrial parks, etc.) for business 54.7% (146) 31.8% (85) 12.0% (32) 0.4% (1) 1.1% (3) 267 development

Buildings for business development 47.0% (124) 38.3% (101) 12.5% (33) 1.5% (4) 0.8% (2) 264

Loan programs 53.8% (143) 30.8% (82) 12.8% (34) 1.5% (4) 1.1% (3) 266

Job training programs 65.7% (178) 24.0% (65) 8.1% (22) 1.5% (4) 0.7% (2) 271

Technical assistance for small 54.8% (149) 32.0% (87) 10.7% (29) 1.5% (4) 1.1% (3) 272 businesses

Downtown revitalization 51.5% (139) 28.9% (78) 14.1% (38) 4.1% (11) 1.5% (4) 270

Job development/creation 73.5% (197) 20.5% (55) 4.9% (13) 0.4% (1) 0.7% (2) 268

Retail development 53.4% (143) 35.4% (95) 9.3% (25) 0.7% (2) 1.1% (3) 268

Small business loans 54.9% (147) 34.3% (92) 8.6% (23) 1.1% (3) 1.1% (3) 268

Facade improvements 40.6% (106) 34.1% (89) 20.3% (53) 2.7% (7) 2.3% (6) 261

Lending for community 52.3% (139) 33.5% (89) 11.3% (30) 1.5% (4) 1.5% (4) 266 redevelopment

Other (please specify) 5

answered question 275

skipped question 39

8 of 18 10. INFRASTRUCTURE

Very Somewhat Not Not Response Important Important Important Important Needed Count

Water and Sewer to support 65.8% (175) 27.8% (74) 6.0% (16) 0.0% (0) 0.4% (1) 266 business growth

Water and sewer to support 67.7% (180) 26.3% (70) 5.3% (14) 0.0% (0) 0.8% (2) 266 affordable housing

Improve existing water and sewer 66.0% (177) 28.0% (75) 5.6% (15) 0.4% (1) 0.0% (0) 268 lines

Expand or improve sewer treatment 58.9% (156) 30.9% (82) 9.8% (26) 0.4% (1) 0.0% (0) 265 facilities

Improve water supply and 60.4% (160) 30.9% (82) 8.3% (22) 0.4% (1) 0.0% (0) 265 treatment facilities

Provide or improve fire protection 62.4% (166) 27.8% (74) 9.0% (24) 0.0% (0) 0.8% (2) 266

Improve telecommunications for 53.5% (144) 32.0% (86) 12.3% (33) 0.7% (2) 1.5% (4) 269 business and residents

Improve telecommunications for public services (public safety, 58.0% (156) 31.2% (84) 9.7% (26) 0.7% (2) 0.4% (1) 269 education, health care)

Improve streets or sidewalks 55.6% (149) 29.9% (80) 12.7% (34) 1.5% (4) 0.4% (1) 268

Pave new roads 51.1% (138) 26.7% (72) 17.4% (47) 3.7% (10) 1.1% (3) 270

Improve existing roads 56.7% (152) 27.2% (73) 13.4% (36) 1.9% (5) 0.7% (2) 268

Improve existing storm drainage 61.0% (161) 27.7% (73) 9.1% (24) 1.9% (5) 0.4% (1) 264

Construct new storm drainage 57.5% (153) 26.7% (71) 13.2% (35) 2.3% (6) 0.4% (1) 266 systems

Street lighting 69.2% (182) 24.3% (64) 6.1% (16) 0.4% (1) 0.0% (0) 263

Other (please specify) 6

answered question 272

skipped question 42

9 of 18 11. COMMUNITY SERVICES FOR LOW & MOD INCOME PERSONS

Very Somewhat Not Not Response Important Important Important Important Needed Count

Childcare services 65.2% (176) 26.7% (72) 6.3% (17) 0.7% (2) 1.1% (3) 270

Afterschool care 66.9% (182) 23.9% (65) 7.4% (20) 0.7% (2) 1.1% (3) 272

Youth counseling/mentoring 71.1% (192) 21.5% (58) 4.8% (13) 1.5% (4) 1.1% (3) 270 programs

Senior Programs (meals-on-wheels, 71.3% (194) 22.8% (62) 4.4% (12) 0.4% (1) 1.1% (3) 272 in-home care)

Adult daycare 62.6% (169) 27.4% (74) 7.0% (19) 1.5% (4) 1.5% (4) 270

Physical health services 62.5% (167) 28.8% (77) 6.4% (17) 0.7% (2) 1.5% (4) 267

Mental health services 66.9% (180) 25.7% (69) 4.5% (12) 1.5% (4) 1.5% (4) 269

Drug/alcohol rehabilitation programs 63.0% (170) 27.8% (75) 6.3% (17) 1.5% (4) 1.5% (4) 270

Prescription drug assistance 63.3% (171) 26.7% (72) 7.0% (19) 1.1% (3) 1.9% (5) 270

Domestic violence/child abuse 73.1% (198) 21.0% (57) 4.4% (12) 0.4% (1) 1.1% (3) 271 services

Foodbanks/nutritional support 64.7% (176) 26.8% (73) 5.9% (16) 0.4% (1) 2.2% (6) 272

Prenatal services 61.6% (165) 27.2% (73) 7.8% (21) 1.1% (3) 2.2% (6) 268

Job Training 67.9% (184) 23.6% (64) 4.8% (13) 2.2% (6) 1.5% (4) 271

Employment Assistance 65.4% (176) 26.4% (71) 5.6% (15) 1.1% (3) 1.5% (4) 269

Financial training/counseling 63.2% (168) 27.4% (73) 6.4% (17) 1.5% (4) 1.5% (4) 266

Case management 55.6% (145) 29.5% (77) 12.6% (33) 0.8% (2) 1.5% (4) 261

Fair housing services 58.4% (156) 27.7% (74) 11.6% (31) 1.1% (3) 1.1% (3) 267

Public safety programs 58.1% (155) 31.1% (83) 9.4% (25) 0.4% (1) 1.1% (3) 267

Transportation to human services 58.4% (157) 30.1% (81) 8.6% (23) 1.1% (3) 1.9% (5) 269 or jobs/employment

Other (please specify) 6

10 of 18 answered question 274

skipped question 40

12. PUBLIC FACILITIES FOR LOW & MOD NEIGHBORHOODS

Very Somewhat Not Not Response Important Important Important Important Needed Count

Public safety facilities (fire 67.9% (178) 26.0% (68) 4.2% (11) 0.4% (1) 1.5% (4) 262 stations, police substations, etc.)

Health facilities 64.9% (172) 28.3% (75) 4.9% (13) 0.4% (1) 1.5% (4) 265

Training center 56.1% (148) 31.4% (83) 9.5% (25) 0.8% (2) 2.3% (6) 264

Libraries 51.0% (134) 35.7% (94) 10.3% (27) 1.5% (4) 1.5% (4) 263

Community centers 50.6% (132) 29.5% (77) 14.9% (39) 3.4% (9) 1.5% (4) 261

Childcare facilities 60.9% (162) 28.9% (77) 7.1% (19) 1.1% (3) 1.9% (5) 266

Senior Centers or adult daycare 59.4% (158) 30.8% (82) 7.1% (19) 0.8% (2) 1.9% (5) 266 centers

Playgrounds and green spaces 46.2% (122) 37.5% (99) 12.1% (32) 1.1% (3) 3.0% (8) 264

Accessibility of public buildings to 61.2% (161) 28.9% (76) 7.6% (20) 1.1% (3) 1.1% (3) 263 the disabled

Public transportation 60.8% (161) 33.2% (88) 4.5% (12) 0.8% (2) 0.8% (2) 265

Beautification/Enhanced public 38.8% (102) 36.5% (96) 19.0% (50) 3.0% (8) 2.7% (7) 263 space

Other (please specify) 2

answered question 267

skipped question 47

11 of 18 13. HOMELESS NEEDS

Very Somewhat Not Not Response Important Important Important Important Needed Count

Homeless prevention 72.6% (193) 20.3% (54) 5.6% (15) 0.0% (0) 1.5% (4) 266

Emergency shelters for families 79.4% (212) 17.2% (46) 2.6% (7) 0.0% (0) 0.7% (2) 267

Emergency shelters for men 68.4% (182) 23.3% (62) 7.1% (19) 0.4% (1) 0.8% (2) 266

Emergency shelters for women 71.2% (190) 22.5% (60) 5.6% (15) 0.0% (0) 0.7% (2) 267

Transitional housing for families 68.2% (180) 26.1% (69) 4.5% (12) 0.4% (1) 0.8% (2) 264

Transitional housing for men 59.1% (156) 29.5% (78) 9.8% (26) 0.4% (1) 1.1% (3) 264

Transitional housing for women 60.5% (161) 29.7% (79) 7.9% (21) 0.8% (2) 1.1% (3) 266

Supportive services for families 67.9% (180) 25.7% (68) 4.2% (11) 0.8% (2) 1.5% (4) 265

Supportive services for men 59.7% (157) 29.3% (77) 8.7% (23) 0.8% (2) 1.5% (4) 263

Supportive services for women 60.8% (161) 29.8% (79) 7.2% (19) 0.8% (2) 1.5% (4) 265

Operation/Maintenance of existing 61.2% (161) 29.7% (78) 7.6% (20) 0.4% (1) 1.1% (3) 263 facilities

Job training for the homeless 68.2% (182) 22.8% (61) 6.0% (16) 1.1% (3) 1.9% (5) 267

Case management 59.0% (154) 28.7% (75) 9.2% (24) 0.8% (2) 2.3% (6) 261

Life skills training 66.5% (177) 24.8% (66) 6.4% (17) 0.4% (1) 1.9% (5) 266

Substance abuse treatment 60.7% (162) 29.2% (78) 7.5% (20) 0.7% (2) 1.9% (5) 267

Mental health care 64.7% (172) 26.7% (71) 6.0% (16) 0.8% (2) 1.9% (5) 266

Physical health care 65.9% (174) 26.9% (71) 4.9% (13) 0.4% (1) 1.9% (5) 264

Housing placement 65.0% (171) 26.2% (69) 6.5% (17) 0.4% (1) 1.9% (5) 263

Emergency financial assistance 67.6% (177) 22.9% (60) 6.9% (18) 1.1% (3) 1.5% (4) 262

answered question 270

skipped question 44

12 of 18 14. ELIMINATION OF BLIGHT

Very Somewhat Not Not Response Important Important Important Important Needed Count

Building code enforcement 60.1% (158) 29.7% (78) 8.7% (23) 1.1% (3) 0.4% (1) 263

Demolition of commercial or 58.4% (153) 27.9% (73) 10.7% (28) 2.3% (6) 0.8% (2) 262 industrial structures

Demolition of residential structures 59.8% (155) 27.0% (70) 10.4% (27) 1.9% (5) 0.8% (2) 259

answered question 265

skipped question 49

15. How often do you believe housing discrimination is experienced in your community?

Response Response

Percent Count

Often 37.0% 100

Sometimes 36.7% 99

Rarely 12.2% 33

Never 4.1% 11

Don’t know 10.0% 27

answered question 270

skipped question 44

13 of 18 16. In the past two years, housing discrimination in your community:

Response Response

Percent Count

Has become less of a concern 35.5% 93

Has become more of a concern 39.7% 104

Is not a concern 24.8% 65

answered question 262

skipped question 52

17. How well do you feel that buyers and sellers understand fair housing rights?

Response Response

Percent Count

Well 12.4% 33

Moderately well 40.6% 108

Poorly 38.7% 103

Not at all 8.3% 22

answered question 266

skipped question 48

14 of 18 18. How well do you feel that real estate professionals in your community understand fair housing rights?

Response Response

Percent Count

Well 29.5% 78

Moderately well 47.3% 125

Poorly 20.1% 53

Not at all 3.0% 8

answered question 264

skipped question 50

19. How well do you feel that lenders in your community understand fair housing and fair lending laws?

Response Response

Percent Count

Well 28.1% 74

Moderately well 49.4% 130

Poorly 19.0% 50

Not at all 3.4% 9

answered question 263

skipped question 51

15 of 18 20. How well do you think that apartment owners and managers understand fair housing laws and regulations?

Response Response

Percent Count

Well 20.7% 55

Moderately Well 46.6% 124

Poorly 27.8% 74

Not at all 4.9% 13

answered question 266

skipped question 48

21. If residents experienced housing discrimination, do you think they would know where or how to report it?

Response Response

Percent Count

Yes 19.7% 53

No 61.7% 166

Don’t know 18.6% 50

answered question 269

skipped question 45

22. Does your community have a planning department?

Response Response

Percent Count

Yes 50.2% 133

No 14.0% 37

Don’t know 35.8% 95

answered question 265

skipped question 49

16 of 18 23. Has your community developed a zoning ordinance?

Response Response

Percent Count

Yes 53.6% 143

No 8.6% 23

Don’t know 37.8% 101

answered question 267

skipped question 47

24. Has your community examined its land use/zoning, building codes, or permitting process to identify administrative or regulatory barriers to fair, affordable or accessible housing?

Response Response

Percent Count

Yes 25.4% 68

No 9.7% 26

Underway or planned 3.7% 10

Don’t know 61.2% 164

If Yes, when completed? 6

answered question 268

skipped question 46

17 of 18 25. Has your community implemented any of the following to address barriers and encourage development of affordable housing:

Response Response

Percent Count

Density bonus 17.1% 13

Site or building design 39.5% 30 flexibility

Alternative building methods 34.2% 26

or materials 14.5% 11

Streamlined permitting 9.2% 7

Fee reductions 27.6% 21

Other (please describe) 51

answered question 76

skipped question 238

26. Has your community amended its zoning regulations to allow any of the above?

Response Response

Percent Count

Yes 14.4% 38

No 8.4% 22

Not applicable – no zoning 0.4% 1

Don’t know 76.8% 202

answered question 263

skipped question 51

18 of 18 SYNOPSIS OF COMMUNITY SURVEY RESULTS CONSOLIDATED PLAN PREPARATION ALBANY, GEORGIA NOVEMBER 2010 THROUGH JANUARY 2011

In order to better ascertain public perception of the needs and priorities for the use of CDBG and HOME funds the City prepared a Community Survey, which was available on the City Website and was provided in hard copy to attendees at public meetings and at the focus group sessions. In addition, hard copies were also distributed to several community service organizations. The survey was available between mid-November of 2010 and January 28, 2011. A copy of the survey is included as an Appendix to the Consolidated Plan.

The City received 314 responses of which 289 (88.9%) were complete. Respondents were asked to identify which ward they were from and to indicate whether they were a Resident, a staff member of a service agency, a City or County Government employee or a housing provider. One hundred and thirty-seven persons did not know which ward they lived in; Wards Two and Four had the greatest number of respondents with 33 each. One hundred and seventy-three persons classified themselves as Residents, seventy were government employees, forty-nine listed themselves as service organization staff, and twelve called themselves housing providers.

Asked to rank the most common housing problems, 307 respondents listed the following as Very Important (followed by the number of persons making this selection):

1) Unsafe or poor neighborhood conditions 227 2) Unsafe or poor housing conditions 196 3) Homelessness 193 4) Affordable housing 188

Overcrowding was not perceived as a major issue.

Page 1 of 18

There were 22 “Other” responses, of which five specifically noted crime issues, and three focused on home repairs issues. The remaining responses were varied in nature.

When asked about Community Activities, 309 respondents listed the following as Very Important or Important:

Very Important Important Total 1) Crime Prevention 241 52 293 2) Affordable Housing 213 72 285 3) Economic Development 209 85 294 4) Health Services 184 93 277 5) Services for the Disabled 171 102 273

Considering both Very Important and Important votes, Economic Development has a one-point margin over Crime Prevention and Affordable Housing is a close third.

When asked about Activities and Programs for Low- and Moderate Income Persons, 296 respondents, selecting from the same set of activities, listed the following as Very Important or Important: Very Important Important Total 1) Affordable Housing 228 21 279 2) Crime Prevention 205 65 270 3) Health Services 193 71 264 4) Child Care 177 80 257 5) Homeless Assistance 171 88 279

While this list contains three of the activities from the previous set of responses, Child Care and Homeless Assistance are new and Crime Prevention is in second place behind Affordable Housing.

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Survey respondents were then asked a series of questions related to specific activities that the City can or should carry out to assist low- and moderate-income persons. The number of persons responding to these questions was lower than the number of persons responding to the initial set of questions. The difference, often thirty to forty fewer responses, is notable.

The first Specific Activities question dealt with Homeownership Needs. The question received 271 responses, and the leading topics, ranked by the number of “Very Important” responses, were: TOTAL VERY NEED VERY IMPORTANT IMPORTANT IMPORTANT AND IMPORTANT Energy Efficiency 161 76 237 Improvements Modifications for Persons 153 77 230 with Disabilities Down Payment/Closing 151 74 225 Assistance Affordable New 143 72 215 Construction Lead-based Paint 133 77 210 Screening

Given the relatively new housing stock in Albany, the concern for the Lead-based Paint Screening is interesting. Activities related to rehabilitation assistance received low rankings, though clearly there is a concern about energy efficiency. The graph below shows the response for each of the activities.

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Affordable Rental Housing Needs were assessed next. This topic received 270 responses and the issues of greatest concern focused primarily upon specific populations, as shown below: TOTAL VERY NEED VERY IMPORTANT IMPORTANT IMPORTANT AND IMPORTANT Rental Housing for the 187 62 249 Elderly Rental Housing for Persons with Developmental 180 69 249 Disabilities Energy Efficiency 161 77 238 Improvements Rental Housing for Persons 148 88 236 with HIV/AIDS Other Needs for Housing for 143 89 232 Persons with Special Needs

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The concern for housing for large families is interesting in that the City appears to have an adequate supply of larger housing units. The concern for small families and the elderly (again usually small households) is borne out by the statistics. The concern for energy efficiency for rental units echoes the concern expressed about ownership units.

The question about Housing for Persons with Special Needs examined the housing needs from the perspective of six groups. Not surprisingly, Assisted Living for the Elderly emerged as the most important concern among the 264 respondents.

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TOTAL VERY NEED VERY IMPORTANT IMPORTANT IMPORTANT AND IMPORTANT Assisted Living for the 204 48 252 Elderly Housing for Persons with 174 66 240 Developmental Disabilities Housing for Persons with 172 66 238 Mental Illness Housing for Persons with 150 66 216 HIV/AIDS Other Needs for Housing for 145 68 213 Persons with Special Needs Housing for Persons with 136 73 209 Alcohol/Drug Addiction

The number of responses for groups other than the elderly is well below the number of responses for the elderly. Though housing for persons with alcohol/drug addiction received the fewest Very Important votes, it received the greatest number of Important votes. The graph below displays the results for all categories.

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Economic Development was the fourth area of inquiry in the survey, and 275 persons responded to questions in this topic. This was the largest number of respondents in the Specific Activities section. The following are the top five areas, ranked by the number of Very Important responses:

TOTAL VERY NEED VERY IMPORTANT IMPORTANT IMPORTANT AND IMPORTANT Job Development/Creation 197 55 252 Job Training Programs 178 65 243 Technical Assistance for 149 87 236 Small Businesses Small Business Loans 147 92 239 Land for Business 146 85 231 Development

The need for Job Creation was by far the leading concern among the respondents, and the need for Job Training was not far behind. However, there is a significant drop between the top two items and the other three, though the number of Important votes makes the overall rankings closer. As the graph below shows, the need for buildings and the need for façade improvements were not felt to be pressing.

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The Infrastructure topic included a wide range of issues, including water and sewer improvements, street lighting, and storm drainage. 272 persons responded in this section and the numbers were very close both for Very Important and fro the Total of Important and Very Important votes, as shown in the following table:

TOTAL VERY NEED VERY IMPORTANT IMPORTANT IMPORTANT AND IMPORTANT Street Lighting 182 64 246 Water & Sewer to Support 180 70 250 Affordable Housing Improve Existing Water and 177 75 252 Sewer Water and Sewer to Support 175 74 249 Business Growth Provide or Improve Fire 166 74 240 Protection

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Though Street Lighting received the most Very Important votes, the issue fell to fourth place overall because of fewer votes as Important. The street lighting issue is a reflection of the concern about crime prevention noted earlier. Water and Sewer issues show a concern about this topic and its impact upon both housing and economic growth.

The following graph shows the responses for the top ten of fourteen items on the survey.

It should be noted that the public meeting and focus group discussions did not give much emphasis to infrastructure issues and one focus group even stated that infrastructure issues were so large and expensive that they were not reasonable projects for the limited resources available through CDBG funding.

The Community Services for Low- and Moderate-Income Persons presented respondents with nineteen issues to rank. The 274 respondents felt that domestic violence/child abuse services were the most important item. The table below notes the

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top five, ranked by number of Very Important votes, and the graph presents the results for the top ten items in terms of number of responses altogether.

TOTAL VERY NEED VERY IMPORTANT IMPORTANT IMPORTANT AND IMPORTANT Domestic Violence/Child 198 57 255 Abuse Services Senior Programs 194 62 256 Youth 192 58 250 Counseling/Mentoring Job Training 184 64 248 Afterschool Care 176 72 248

These choices cover a wide range of topics, but do evidence the on-going concern for the elderly, the need for economic growth, and a focus on youth. Case Management ranked lowest, but this term may not be widely understood. Transportation services ranked low in the survey, despite being the topic of considerable discussion in the focus group meetings. In addition, public safety programs were very low, despite the earlier expressed concern about crime prevention.

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When asked to rank Public Facilities for Low- and Moderate-Income Neighborhoods respondents chose a range of activities, some of which were not consistent with earlier voting. For example, as the table below shows, Public Transportation was not the highest vote getter as Very Important, but when the Important votes are added, it becomes the issue of greatest concern. Also, this result flies in the face of the finding in the preceding set of activities, in which case transport services was a very low vote recipient. While there was concern about the disabled in earlier sections of the survey, access to public buildings emerged as the fourth moist important issue here. The results about public safety facilities are in consonance with earlier findings about concern with crime and crime prevention. The table below presents the results for the top five items and the graph following shows the results for the top ten activities.

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TOTAL VERY NEED VERY IMPORTANT IMPORTANT IMPORTANT AND IMPORTANT Public Safety Facilities 178 68 246 Health Facilities 172 75 247 Childcare Facilities 162 77 239 Accessibility of Public 161 76 237 Buildings to the Disabled Public Transportation 161 88 249

Asked to rank activities for Homeless Needs, respondents noted the need for emergency shelters for families as the top priority. Homeless prevention was seen as the second most important item, and job training tied with emergency shelters for men as the fourth most important item.

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TOTAL VERY NEED VERY IMPORTANT IMPORTANT IMPORTANT AND IMPORTANT Emergency Shelters for 212 46 258 Families Homeless Prevention 193 54 247 Emergency Shelters for 190 60 250 Women Emergency Shelters for Men 182 62 244 Job Training for the 182 61 243 Homeless Transitional Housing for 180 69 249 Families

The topic of Elimination of Blight received the fewest overall votes, 264. Among the three choices of activities, respondents chose building code enforcement as the leading Very Important activity (158), with demolition of residential structures as second (155) and Demolition of commercial or industrial structures as third (153).

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The Community Survey then focused on Fair Housing issues. Twelve issues were given for consideration, and each is presented below along with the survey results. Overall, the level of responses to these topics was lower than for other parts of the survey. However, some of the questions were detailed or specific to zoning and land use issues with which the average citizen might not be familiar.

Question One

How often do you believe housing discrimination is experienced in your community?

Response Response Answer Options Percent Count Often 37.0% 100 Sometimes 36.7% 99 Rarely 12.2% 33 Never 4.1% 11 Don’t know 10.0% 27 answered question 270 skipped question 44

Over one-third of respondents believe that discrimination is common and almost three- quarters of respondents believe it is has a significant presence.

Question Two

In the past two years, housing discrimination in your community:

Response Response Answer Options Percent Count Has become less of a concern 35.5% 93 Has become more of a concern 39.7% 104 Is not a concern 24.8% 65 answered question 262 skipped question 52 While one quarter of respondents believes discrimination is not a concern in Albany, almost forty percent do see it as a growing issue.

Questions Three through Six deal with the respondents’ perception of how well certain groups understand fair housing rights.

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How well do you feel that buyers and sellers understand fair housing rights?

Response Response Answer Options Percent Count Well 12.4% 33 Moderately well 40.6% 108 Poorly 38.7% 103 Not at all 8.3% 22 answered question 266 skipped question 48

How well do you feel that real estate professionals in your community understand fair housing rights? Response Response Answer Options Percent Count Well 29.5% 78 Moderately well 47.3% 125 Poorly 20.1% 53 Not at all 3.0% 8 answered question 264 skipped question 50

How well do you feel that lenders in your community understand fair housing and fair lending laws? Response Response Answer Options Percent Count Well 28.1% 74 Moderately well 49.4% 130 Poorly 19.0% 50 Not at all 3.4% 9 answered question 263 skipped question 51

How well do you think that apartment owners and managers understand fair housing laws and regulations? Response Response Answer Options Percent Count Well 20.7% 55 Moderately Well 46.6% 124 Poorly 27.8% 74 Not at all 4.9% 13 answered question 266

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skipped question 48

The key point from these results is that, overall, the respondents feel that the professionals involved in housing have a good or at least moderate understanding of fair housing rights with apartment owners and managers have the poorest understanding. However, buyers and sellers are perceived to have the poorest understanding of any of these groups.

Question Seven makes it clear that the respondents feel that people do not know where to report discrimination of they encountered it.

If residents experienced housing discrimination, do you think they would know where or how to report it? Response Response Answer Options Percent Count Yes 19.7% 53 No 61.7% 166 Don’t know 18.6% 50 answered question 269 skipped question 45

Question Eight responses indicate a general understanding that the City does have a Planning Department, though over one-third of respondents said no.

Does your community have a planning department?

Response Response Answer Options Percent Count Yes 50.2% 133 No 14.0% 37 Don’t know 35.8% 95 answered question 265 skipped question 49 Question Nine shows that again, there is a general understanding that the City does have a zoning ordinance. The percentages are very similar to the preceding set of responses.

Has your community developed a zoning ordinance?

Response Response Answer Options Percent Count

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Yes 53.6% 143 No 8.6% 23 Don’t know 37.8% 101 answered question 267 skipped question 47

Question Ten focuses on initiatives to examine or re-examine a number of means to address fair housing and accessibility issues. The relatively high percentage of “Don’t’ Know” responses is typical for many, if not most, municipalities.

Has your community examined its land use/zoning, building codes, or permitting process to identify administrative or regulatory barriers to fair, affordable or accessible housing? Response Response Answer Options Percent Count Yes 25.4% 68 No 9.7% 26 Underway or planned 3.7% 10 Don’t know 61.2% 164 If Yes, when completed? 6 answered question 268 skipped question 46

Questions Eleven and Twelve focus on the tools that communities may use to encourage the development of affordable housing, and the community’s efforts to keep these tools current. Again, many residents, not involved in housing issues, may not be aware of these tools or even with the issue of fair and affordable housing. Indeed, the high number of persons who skipped question eleven is indicative of a lack of knowledge of these specialized topics.

Has your community implemented any of the following to address barriers and encourage development of affordable housing: Response Response Answer Options Percent Count Density bonus 17.1% 13 Site or building design flexibility 39.5% 30 Alternative building methods 34.2% 26 or materials 14.5% 11 Streamlined permitting 9.2% 7 Page 17 of 18

Fee reductions 27.6% 21 Other (please describe) 51 answered question 76 skipped question 238

Has your community amended its zoning regulations to allow any of the above?

Response Response Answer Options Percent Count Yes 14.4% 38 No 8.4% 22 Not applicable – no zoning 0.4% 1 Don’t know 76.8% 202 answered question 263 skipped question 51

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