Fair Housing Survey
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Ventura County Regional Analysis of Impediments to Fair Housing Choice May 2010 Table of Contents Chapter 1 - Introduction .........................................................................................................1 A. Purpose of Report............................................................................................................1 B. Geographic Area Covered ...............................................................................................2 C. Legal Framework ............................................................................................................2 D. Lead Agency and Funding Sources ................................................................................6 E. Organization of Report ....................................................................................................7 F. Data and Methodology ....................................................................................................8 Chapter 2 - Community Outreach .........................................................................................9 A. Public Meetings ...............................................................................................................9 B. Fair Housing Survey......................................................................................................11 C. Public Review of Draft AI ............................................................................................17 D. Service Provider Interviews ..........................................................................................17 Chapter 3 - Community Profile ............................................................................................19 A. Demographic Profile .....................................................................................................19 B. Household Characteristics .............................................................................................28 C. Income Profile ...............................................................................................................44 D. Housing Profile .............................................................................................................49 E. Housing Cost and Affordability ....................................................................................54 F. Housing Problems ..........................................................................................................58 G. Assisted Housing...........................................................................................................62 H. Parks and Recreation Facilities .....................................................................................70 I. Accessibility to Public Transit ........................................................................................73 Chapter 4 - Lending Practices ..............................................................................................81 A. Background ...................................................................................................................81 B. Conventional Home Loans ............................................................................................83 C. Government-Backed Home Loans ..............................................................................102 D. Performance by Lender ...............................................................................................108 E. Mortgage Refinancing .................................................................................................113 F. Purchased Loans ..........................................................................................................116 G. Sub-Prime Lending Market .........................................................................................117 H. Predatory Lending .......................................................................................................119 I. Foreclosures ..................................................................................................................124 Chapter 5 - Public Policies ..................................................................................................126 A. Policies and Programs Affecting Housing Development ...........................................126 B. Building, Occupancy, Health and Safety Codes .........................................................142 C. Affordable Housing Development ..............................................................................144 D. Other Land Use Policies, Programs, and Controls ......................................................147 E. Policies Causing Displacement or Affect Housing Choice of Minorities and Persons with Disabilities ...........................................................................................................151 F. Equal Provision of and Access to Government Services.............................................152 G. Local Housing Authorities ..........................................................................................154 H. Community Participation ............................................................................................155 Regional Analysis of Impediments to Fair Housing Choice Chapter 1: Introduction May 2010 Page i Chapter 6 - Fair Housing Profile ........................................................................................157 A. Fair Housing Practices in the Homeownership Market ..............................................157 B. Fair Housing Practices in the Rental Housing Market ................................................164 C. Fair Housing Services .................................................................................................168 D. Fair Housing Statistics ................................................................................................170 E. Hate Crimes .................................................................................................................187 F. NIMBYism ..................................................................................................................188 Chapter 7 - Progress Since 2005 .........................................................................................190 A. Ventura County and Participating Jurisdictions..........................................................190 B. Fair Housing Service Providers...................................................................................210 C. City of Oxnard .............................................................................................................212 Chapter 8 - Impediments and Recommendations ............................................................215 A. Continued Impediments and Recommendations from Previous AIs ..........................215 B. New Impediments and Recommendations ..................................................................222 Regional Analysis of Impediments to Fair Housing Choice Chapter 1: Introduction May 2010 Page ii List of Tables Table 1: Community Meeting Locations ................................................................................ 10 Table 2: Perpetrators of Discrimination .................................................................................. 13 Table 3: Location of Discrimination ....................................................................................... 13 Table 4: Basis of Discrimination ............................................................................................ 14 Table 5: Reason for not Reporting Discrimination ................................................................. 15 Table 6: Basis of Hate Crime .................................................................................................. 16 Table 7: Public Review Period ............................................................................................... 17 Table 8: Population Growth .................................................................................................... 20 Table 9: Age ............................................................................................................................ 20 Table 10: Age Distribution ..................................................................................................... 21 Table 11: Racial and Ethnic Composition (Countywide) ....................................................... 22 Table 12: Racial and Ethnic Composition .............................................................................. 24 Table 13: Racial Integration .................................................................................................... 26 Table 14: English Language Ability ....................................................................................... 27 Table 15: Household Composition and Size ........................................................................... 29 Table 16: Families with Children ........................................................................................... 30 Table 17: Large Households ................................................................................................... 32 Table 18: Large Units ............................................................................................................. 33 Table 19: Persons with Disabilities......................................................................................... 35 Table 20: Homeless Population by Jurisdiction (2010) .........................................................